23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was checking my credit report before a large purchase and this creditor is on my credit report twice, once with no data and a second time saying I paid something on time twice. I do not know who these people are and why they are on my consumer report. They need to remove their information from my consumer report immediately. I am also unaware as to how they acquired my personally identifiable information without express written permission from me. So my privacy has been severely violated.
Product: Credit card

I accepted offer for {$300.00} reward if I spend {$1000.00} credit card deal. I spent the required amount, paid off the account in full, and then, BofA closed my credit card and when I called to customer service, I was told my {$300.00} cash incentive is cancelled because BofA closed my account. I fulfilled my end of the deal but BofA cheated me out of my promised {$300.00} rewards by closing the account right after I finished spending the required amount and finished paying for it.
Product: Debt collection

I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. 

I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete this account. 

Here I add the FTC report hoping that you make a better decision in m y situation. 

Thak you
Product: Credit reporting or other personal consumer reports

I leased my car on XX/XX/XXXX for 36 months, due back on XX/XX/XXXX if I wasn't purchasing the car. On XX/XX/XXXX, my XXXX XXXX XXXX was stolen and not recovered until XX/XX/XXXX. XXXX, my car insurance provider, declared on XX/XX/XXXX that the car was a total loss. They requested a letter of guarantee from XXXX, being told that it would take XXXX business days. Due to some internal issue with XXXX, this request wasn't processed until XX/XX/XXXX, which delayed the timeframe for the final payment to be paid and sent to XXXX. The payment was sent to XXXX in XXXX and applied to the account on XX/XX/XXXX. This payment was in the amount of {$29000.00} and applied to my account backdated to the date of the theft, XX/XX/XXXX. I've been in contact with all parties involved ( XXXX, XXXX, XXXX ) to stay on top of any additional payments that needed to be made to settle the account and was advised that I would need to pay XXXX as a deficiency payment. This amount was not known to the Writer until the XXXX payment was confirmed on the account. I was told that this would be the final payment, and I made that payment on the account for {$330.00} on XX/XX/XXXX. I was advised that this payment would not be due until XX/XX/XXXX. On XX/XX/XXXX, I was alerted that due to a late lease payment to XXXX, my credit score dropped XXXX points from a XXXX score of XXXX to XXXX. I was told the weekend of XX/XX/XXXX that my credit was still being suppressed, but this was evidently a lie. I've since been in contact with XXXX, and they can not provide much detail to confirm why this error occurred, let alone a way to reverse the damage they've done. For the past 5 years, I've been on a waitlist to get into a COOP complex which requires me to have a XXXX or higher XXXX XXXX. All this time, I've managed to keep my XXXX score in the mid to high XXXX. I'm responsible and pay my bills on time during this extremely difficult period. Due to XXXX 's erroneous report of my account being past due, I now have an interview to move into an apartment complex that I will now likely be denied due to XXXX not doing their due diligence to keep my credit score suppressed. I was advised that the account stayed suppressed until the payment was applied to the account on XX/XX/XXXX. Though the requested payment of the deficiency payment was made timely and in the amount requested, I found that the XXXX XXXX was requesting a payoff payment in the amount of {$120.00} on XX/XX/XXXX, which I decided to go ahead and pay since I no longer trust that what XXXX is telling me is correct. All this time, XXXX has been requesting monthly payments under my lease contract. My next lease payment is scheduled due on XX/XX/XXXX, and I'm afraid to wake up on Monday and see what more damage they do to my credit score since they did not take care of this account timely and efficiently.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus to dispute department of educationXXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with XXXX and XXXX who continues to report on account that is no longer belongs to me.
Product: Money transfer, virtual currency, or money service

I deposited {$900.00} XXXX dollars into my cash app account that disappeared out of nowhere. I complained about the issue I never got a response from anyone I called several numbers still no response.
Product: Credit reporting

I submitted a dispute with Experian, as my report contained multiple entries of erroneous information. Experian responded back refusing to investigate the errors stating that my dispute was somehow fraudulent and bewilderingly claimed that it was not me who was submitting the dispute ( see attached response from Experian ). This is a flagrant violation of the FCRAI have also included a copy of my original dispute letter to Experian that has my identification information and the list of disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THIS ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO FRAUDULENT ACTIVITY
Product: Debt collection

Synerprise initially contacted me by phone on XX/XX/XXXX. I verbally received some verifying information, but was also told verbally that it was not validation. I verbally disputed the debt and requested validation be sent. On XX/XX/XXXX after receiving no further contact, I called to once more request validation and was told a letter had been sent the previous Wednesday ( XX/XX/XXXX ). I had not received it by XX/XX/XXXX, and so sent a letter disputing the debt and requesting full verification compliant to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The aforementioned letter did happen arrive the next day, but it was in actuality a bill without even the required validation information on how to dispute the debt or warning that that it would be assumed as valid if not disputed within 30 days. 
I received a response to my request on XX/XX/XXXX, but it contained identical if not less information than the previous letter. The only acknowledgement of my request were the lines : Please be advised that in response to your dispute and request for verification, has investigated this matter. [ sic ] We have verified that the total amount owed is accurate. 
which clearly does not qualify as sending me verification of the debt. 
I have received no further contact from Synerprise, including attempts to collect the debt. This is fitting, as they have not sent me the validating information that would be required to continue attempting to collect. They have, however, reported the debt as delinquent to all three major credit bureaus, which is an unfair practice given that they still have not verified it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to the USC 1681 s-2 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.

( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity theft and there has been accounts ( XXXX ) reporting to my Experian credit report that does not belong to me. I have disputed these unauthorized fraudulent accounts on my credit profile and Experian still keeps reporting the accounts which is violating my rights under the FCRA 15 U.S. Code 1681s. I have reported the theft of my identity to the Federal Trade Commission and will be legally seeking Statutory damages.
Product: Debt collection

I send a letter requesting a debt validation from the company with no response. The company try to collect inaccurate debt and inaccurate information.
Product: Mortgage

My mortage loan with XXXX was sold to Ocwen. When I have made my payments past the due date. I include the late fee with the payment. However, Ocwen does not correctly apply the late payment and my account continously shows late charges. I have called their company on several occasions to request this be corrected as it has hindered my efforts of trying to refinance my home. Creditors constanly see these late charges that I have paid an they mis-apporiate the payment so these late charges continue. I can not get any assistance when I contact thier company.
Product: Debt collection

XXXX XXXX misreported delinquent account to credit bureau
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer FROM Coinbase TO XXXX XXXX on XX/XX/XXXX, for {$14000.00} withdrawing money from Coinbase. 

Coinbase has sinced processed 2 wire transfers FROM XXXX, but has not processed my outgoing wire. The support team has not helped me on this issue depsite repeated attempts.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccurate information on my credit report with Equifax Information Services since last year XXXX, which includes names, old address and etc they haven't completed any of my request too have them remove or updated my credit report. After checking my most recent report Equifax hasn't updated my Consumer report since XX/XX/XXXX which is still having outdated information on my Consumer report. Which is causing a great deal of stress in my life that's stopping me too better my life for my family of one day buying a house.
Product: Credit reporting or other personal consumer reports

This account is not 30 days late, XXXX received a payment on the XXXX of XXXX, the payments are biweekly, they have a times on their website under my account showed where you owe them nothing yet your still XXXX  number of days past due. also, the balance they report for the end of XXXX does not match the statement balance. 

XXXX is reporting false information. They have already damage my credit by lowering my score XXXX points
Product: Credit reporting or other personal consumer reports

I sent multiple validation, verification and investigation letters to the credit reporting company along with documentation proving inaccuracies for these XXXX Department of Education accounts.
Product: Checking or savings account

The bank can't find my account. In XXXX XXXX I purchased a {$5000.00} " XXXX CD special '' from XXXX XXXX XXXX in XXXX MA which became XXXX XXXX XXXX XXXX and XXXX XXXX M & T Bank . After losing track of this account I contacted M & T which could find no account in my name and refused further action. Attached below is a copy of the signature card for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.
Product: Vehicle loan or lease

I have paid of my Capital One auto loan and the account is now closed. I am owed a refund for GAP insurance from Capital One. I have contacted XXXX XXXX. ( the dealership where the vehicle was purchased ) and informed them that my Capital One auto loan has been paid off. Both, myself and XXXX XXXX. has completed the form needed to process the GAP insurance refund and this information was sent to Capital One. I have contacted Capital One several times for the status of my refund and they constantly refer me back to XXXX XXXX. for my money. XXXX XXXX. has stated the funds will come from Capital One. I need the help of CFPB to get the refund I am rightfully owed from paying off my auto loan 3 years in advance. The customer service department at Capital One refuses to let me speak to the office of the XXXX to file a formal complaint about this matter.
Product: Credit card

I opened this card in 2009 as a college student with no established credit and was initially approved for a {$1000.00} limit. Over the years, there were times when I maxed out the card and kept a running balance, but as I became more knowledgeable about credit management, I made it a point to either pay off the balance each month or keep my usage below 30 %. Citi rewarded my responsible borrowing behavior by automatically increasing my credit limit multiple times. By the time XXXX hit, my limit had grown to {$3500.00}. 

During the pandemic, I maxed out my line of credit due to being out of work. I continued to pay the minimum amount each month to keep the account in good standing. Once I regained financial stability, I made a point to pay off the balance in full. Within DAYS of paying off my balance, Citi slashed my credit limit to $ XXXX than half of what I was initially approved for. 

This action not only blindsided me but also caused my XXXX XXXX to plummet from the XXXX to around XXXX, negatively affecting my financial stability. Additionally, because XXXX of my other credit accounts were closed when they were paid off, my available credit dropped significantly, impacting my credit utilization ratio and overall creditworthiness. 

I immediately contacted Citi 's customer service to understand why this decision was made. Despite my long-standing history of responsible usage and loyalty, I was told that my credit limit was now too low to qualify for a credit limit increaseeven though XXXX own actions directly caused my score to drop. This felt like a penalty for being financially responsible. 

I also believe Citi violated the Truth in Lending Act ( XXXX ) by failing to provide clear and adequate disclosures regarding the credit limit reduction. Under XXXX, creditors are required to provide timely and clear explanations of credit decisions that impact the terms of the account. In this case : Citi did not notify me in advance of the credit limit reduction. 
No clear or detailed explanation was provided for the drastic reduction, despite my consistent payment history and responsible usage in recent years. 
Citis actions left me without the opportunity to adjust my financial strategy or prepare for the negative impact on my XXXX XXXX. 
XXXX  mandates that creditors must provide notice of significant changes to the terms of an account, especially when those changes adversely affect the customer. By failing to do so, Citi did not act transparently or fairly, violating XXXX  disclosure requirements. 

Citis actions have caused significant and unnecessary damage to my XXXX XXXX and financial stability. Although I initially did not have perfect credit behavior, I grew to be a responsible borrower, which led to multiple credit line increases. Despite this demonstrated growth and loyalty, Citi chose to penalize me at a crucial financial moment. 

I am filing this formal complaint because I believe their actions were not only unfair but also potentially unlawful under XXXX. I request a thorough investigation and appropriate corrective actions to resolve this issue.
Product: Credit reporting

On XXXX/XXXX/15, I submitted a complaint letter to XXXX Bank concerning incorrect information provided by Equifax as my credit data for consideration of a credit card offered by XXXX. On XXXX/XXXX/15, I sent a letter to Equifax concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both XXXX and Equifax. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.
Product: Debt collection

Portfolio Recovery Associates , LLC began to harass me regarding a debt owed. They issued a garnishment XX/XX/XXXX of {$970.00} plus fees. My wages were garnished and the amount was paid in full. As of XX/XX/XXXX, Portfolio Recovery issued a second garnishment for the exact same case. After contacting them, their representatives stated that they don't know what the problem or disconnect is and they are looking into it. Unfortunately, I never heard back from anyone. Every time I call I get a new person who don't know whats going on. I have proof from my employer of my deductions taken from my wages. I can't sit and hope Portfolio Recovery figures it out since my wages are being garnished a second time. I'm looking into legal advice and I would like to file a compliant against Portfolio Recovery Associates not only for the mistake but for emotional and financial hardship they have caused. Their negligence is inexcusable.