23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is copied from the email I sent to XXXX : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from XXXX. I need XXXX to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what XXXX is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time XXXX messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the Consumer Protection Bureau to file yet another complaint against XXXX! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.
Product: Debt collection

My information has been sold to a third company which turns out to be a fraud law office " XXXX XXXX XXXX  XXXX " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
Product: Credit card

I made a purchase of XXXX XXXX slippers on XX/XX/year>. I was then emailed on XX/XX/year> that the purchase of mine was canceled due to insufficient stock. I was still charged for the order and contacted their customer service number for a refund. I had to file a dispute for it to be resolved and had to wait 90 days to receive a response back. I received a letter in the mail two days ago that was sent out on XX/XX/year>, that they are not going to issue me a refund. I never received this order and I submitted to them screenshots of my card being charged. I have tried calling and sending a message under my account and no one has helped me on the phone and I keep getting errors when I send a message despite it showing that it was sent successfully. I want the charge of {$120.00} refunded to my account, if they are unable to do so, then I would like to receive the product that I purchased before it was canceled. 

In addition to this dispute, they ended up closing me entire credit card when I tried to escalate it further. I just recently got my credit card back open again. But they labeled the dispute as a fraudulent purchase when that wasn't what I labeled the issue as. This entire experience has been very inconvenient and frustrating. It has been 3 months and the issue has still not been resolved.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/21 I send a case to Coinbase to flag some unauthorized transactions on my account. My account was disabled and I was told it would be resolved in 10 business days. I have followed up multiple times since then because I can not access any of my cryptocurrency accounts in this time. The last response was on XX/XX/21 saying my case would be resolved in 4-5 business days. I have followed up since then because the case is not resolved and my account is still disabled but I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I placed an order with XXXX XX/XX/2020. Directly emailed them after placing the order for shipping information. They would not respond. So, I said if they will not respond please cancel my order. Then they responded saying that the items were out of stock and they're on vacation. All sorts of excuses. So, I said please cancel and give me my $ $ back. this is fraud at this point. It's been over a week and you can't tell me when I'm gon na get my items. So, I called my bank and had them, what I thought, credit my money back to my account for fraud being the case. then XX/XX/XXXX over a month later I get a package in the mail from XXXX. It wasnt even the items i originally ordered! I never ordered what was that in the bag. On top of that it wasn't even wearable, it was absolute garbage. But, None of that is here nor there because I canceled the order over a month and a half ago. Why can my bank not protect me? Isn't that what they're for for fraud like this? So, after calling the bank and trying to get my money back ( again ) they were trying to say that it was my fault that since I receive the package. but, this is a package that I tried to cancel and have proof of my emails and correspondence with the company ( and the bank ). If they had this information on XX/XX/XXXX and gave me my money back why would it take them over a month and a half to research to find out if it's pot or not? They just a lot of them the time to pack up some stuff that I didn't even order and send it to me with a tracking number. I thought my financial institution would protect me and they did not. It was XXXX. I did everything I could to try to get my money back the right way. Through sending the company over 11 emails with them. Then within a few days calling my bank and then having them try to help me. I feel like I'm not only getting robbed from XXXX but now From my own bank, that supposed to be protecting my $ XXXX Chase bank. The company is https XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
Equifax continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The Student Loan Help Center ( XXXX was the person I talked to at ( XXXX ) XXXX ext. XXXX ) claimed they would set up a consolidation for my federal loans, arrange a temporary forbearance during the process, enroll me in the Public Service Loan Forgiveness, and arrange my new monthly payment to be {$110.00} if I filed married-filing-separately or {$240.00} if I did not change my tax filing status. For these services, they charged me {$990.00}, which I paid in XXXX installments. The first payment of {$240.00} was taken from my checking account the day I agreed to these terms. Within a couple of days later, I submitted a notorized power of attorney release and my federal tax statement from the previous year, which they had requested. 
In XXXX, I received a loan payment plan from XXXX XXXX, the new servicing agency that has been assigned to service my consolidated loan. The payment was set at {$330.00}. I called them to ask why it was so high and they told me it had been set using the information I had given Student Loan Help center. After hearing what had been promised me, the XXXX representative told me that they has terminated their relationship with Student Loan Help Center, that I should file a complaint and take action to get my money back, that I was not enrolled in any forgiveness program, and that the consolidation of my loans caused me to lose any retroactive forgiveness I may have coming once I enroll myself in the federal forgiveness program. They also have notified me that they have denied my power-of-attorney. 
I called Student Loan Help Center to ask why my payment was so high and XXXX, who set the whole process in action, told me that " It will happen. ", but that I would have to talk to another representative, who she forwarded my call to. I was on hold for a very long time and gave up. 
My bank is currently pursuing a dispute of the four payments that Student Loan Help Center has extracted from my checking account.
Product: Debt collection

CMRE is using a tacit to collect on a debt and states in my consumer report that I dispute the account, I do not dispute the account and have sent many letters stating. This is a tacit that requires the consumer to call and ask from them to remove and when I did, they said I would need to settle before they can remove it. I applied for a XXXX refi and was told due to the dispute the credit union could not move forward until it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report update by Experian Report As Of XX/XX/XXXX. Experian is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from Experian letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. XXXX has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. Experian, XXXX, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of  my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. Experian, XXXX, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.
Product: Debt collection

This company is reporting fraudulent inaccurate information to my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I can review to see if this is a account that actually belongs to me
Product: Credit reporting

To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Also, because I have been disputing unverified information with experian they decided to put a fraud alert and freeze on my account. This is been filed this way but take notice there is no ID THEFT in this matter and you should not be putting any kind of freeze or fraud alert on my account just because I am disputing for verification. I recently received a letter stating a fraud alert was placed on my account for 90 days, I did not place this claim and I am demanding for it to be removed immediately. You are breaking the law and it is unacceptable. 

I demand the following accounts be verified or the deleted immediately. 
Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Unverified Account XXXX card XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe that I had may my payment to you when I received my statement.
Product: Consumer Loan

I attempted to make a payment through PayPal as the public agency I was paying said they only took PayPal payments. I have a PayPal account I never use so I went to it and assumed my payment would either be directly from my checking account or from the credit card I have on file. Instead they established a credit account in my name that I DID NOT REQUEST and then proceeded to do an unauthorized hard inquiry on my credit report. I called them and they did quickly charge my credit card and cancel the line of credit they had established. My sense in talking to their agent was that PayPal clearly recognized that what they did was unauthorized, but said they could not erase the hard inquiry. They were doing exactly what the CFPB and PayPal reached an agreement that they cease doing and for which they paid an inadequate fine. They claimed I authorized the credit account as it was hidden somewhere in the agreement I made when I authorized the payment. It was completely unclear to me that that was what I was doing or that that was their intention. It is clear, however, that they set up their system so it automatically creates a credit line so when you think you are paying directly with PayPal you are in fact establishing credit with them. Your fine is obviously inadequate since it is clear that this business is profitable enough that paying the fine is just a cost of doing business and not a disincentive for dishonest activity. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
Product: Credit card or prepaid card

I have been a customer of  Citibank Credit ca rds for over 22 years, since  XXXX . Since then, my credit card I opened in  XXXX  I have never made a late payment on this account or any  Citi  account or other account on my credit report. Recently, in  XXXX   XXXX   Citibank  closed this card without my permission, since I the bank claimed I was not using it enough ( I have other accounts with  Citibank  that were active. Citibank never warned to use my card or they were going to close it ) I contacted  Citibank t elling them I DID NOT want the card closed. They re-opened the card in  XXXX   XXXX  per my request. Unfortunately, the made another hard-pull on my credit report to re-open account, even those I asked them not to as the card was closed in error.     After they re-opened the card, I started using the card in  XXXX   XXXX , and the payment was not automatically made on time. In the past, this card and all of my  Citibank  credit cards were enrolled in "  Auto  Pay '' so that the full balance was deducted from my checking account on a monthly basis. When  Citibank  closed and re-opened this card these payment instructions were cancelled, unbeknownst to me.     As soon as I discovered the account was late ( less than {$50.00} was owed ) because payment were no longer being made automatically via Auto-Pay, I immediately called  Citibank  and made a payment over the phone. I asked the representative if this was going to affect my credit report. She said NO. She said if it did, the payment I just made would be applied and blemish on my credit report would resolve itself over a month or two. I found out there is still a blemish on my report and I would like it removed. I called Citibank back and  Citibank  tells me over the phone that they can not removed, even due to the extenuating circumstances described above ...
Product: Checking or savings account

A person on XXXX that I follow retweeted a person. I reached out to that person and the said they were part of insurance company and had unclaimed funds for me. They sent a check and some was cleared to use that day and they asked me to send a XXXX percent of the check to them and keep I can keep the rest. The next day I sent the rest only keeping about XXXX percent of the check. The full amount of the check was XXXX. After a couple of days chase locked my account. I went to chase bank and After I talked to them on the phone and saw them in person they said I had to pay the amount that's overdraft. I tried to open a new account with XXXX XXXX XXXXXXXX and was declined. I don't have the money to pay the amount to chase even after showing them the proof that I was tricked and scammed into this situation but they wanted to hear no part of it and said I have to pay the full amount back.
Product: Payday loan, title loan, or personal loan

Upstart networks is a fraudulent charge company, reporting a fraudulent account on all 3 credit bureaus. Upstart is reporting that I opened a loan with XXXX XXXX  and XXXX. I received a call from over 2 months ago that they deemed this fraud and would be removing the fraud account on file with XXXX XXXX and XXXX and never did. remove the FRAUDULENT MARKING ON ALL 3 CREDIT BUREAUS IMMEDIATELY.
Product: Debt collection

In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.
Product: Credit reporting or other personal consumer reports

i have sent letters out to XXXX XXXXXXXX, and experian about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.