23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency calls my phone all day even after leaving messages. They will call mad then hang up and call right back. The agency also contacted my estranged husband and family and gave full details of the debt to them and I never provided their numbers to them.
Product: Checking or savings account

My Huntington debit card was used fraudulently. I reported it to the bank and they refused refunding the unauthorized transactions. I was out of town when the transactions took place and provided the bank all the documents showing I was out of town during that time my phone was not in my possession. It was left on the porch and used by somebody else, I was in a hurry and removed understood that I left my phone behind. Also, I had no reason to suspect that something could happen with my funds in my checking account because originally the bank Huntington bank denied me a debit card saying I dont qualify for one. I didnt expect they going to be sending me one in the mail which they did. It never reached me as I wasnt home and it was used unauthorized, now theyre denying refunding me the unauthorized transactions saying that the tax was sent to my phone in a reply obvious was received. I never received any text, nor if I had a reason to expect Im going to be receiving a debit card when they denied my debit card, none of the transactions were made by me. I was out of town from the XX/XX/XXXX to the first week of XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Citizens Bank about a check being altered from {$1300.00} to {$12000.00} which Citizens cashed out of my business account. They said that they had contacted XXXX XXXX which was where the check was deposited and cashed, Citizens said they were waiting for XXXX XXXX  to reply to their inquiry but had not heard anything. It has been 7 months with no answers and this matter is hurting my business. 
I do not believe they contacted XXXX XXXX  about this matter and now I have asked for proof. 
It has been very frustrating to get any answers from Citizens other than they were waiting for XXXX XXXX to respond. 
Thisis my seconf complaint about this issue
Product: Mortgage

All the documents pertaining to this file have been attached. Citizens unilaterally canceled a loan modification that was fully executed by both parties. They can provide no written notification to cancel the modification as required by their own Addendum to the Loan Modification entitled, 'Notice of No Oral Agreements. ' After a long drawn out back and forth, we agreed to restart the loan modification process with Citizens ' Loss Mitigation Department. The agreement is currently in process. Payments per the agreement have been made in a timely manner. As of today, Citizens has not canceled the Sale Date of the Foreclosure and it remains on the record as XX/XX/2023. We have contaced the Trustee and they informed us that on the date of sale that they would call Citizens to get information on whether they are postponing, canceling, or closing our file. As we have absolutely no trust that Citizens will do as they have agreed upon with us, I would like written confirmation that they are not going to sell our house on XX/XX/2023 while we are in process and following their requirements for the new loan modification. Nothing they have done to date gives us any faith that they are going to meet their own requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied several employment opportunities because Checkr and companies like them report that I was XXXX three times and Checkr doesn't only tell what my XXXX in XXXX actually were but the XXXX  in place before the XXXX got involved. I have XXXX my time and my XXXX XXXX to satisfy the government. Chekr should not legally be allowed to share my information Under Any Circumstance unless for XXXX XXXX  persuing XXXX XXXX  against me or by XXXX XXXX. OR, They should agree to put me on their payroll as they are actively working to keep me and others like me, unemployed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XX/XX/1988 ***_**_**** I can not Get Access to my credit report its Blocked by creditor, Equifax. I was told by fraud Department that its a block and I have to send a letter to remove it, I sent in letter twice to them no response or never seen it, I work Monday to Sunday and have no time for mistake that was made by them, Please remove The Block on my credit report and give me my fair chance at creating, this is causing me pain because of the wrong report there giving of me, please have the block on my Equifax removed immediately. Thank you
Product: Credit card or prepaid card

I have been calling torrid comenity bank for two weeks now to report a lost card and make a payment and they wont answer the phone. Their automated message hangs up and does not let you speak to anyone. They claim its system maintenance, however their online website is not working or accepting payments. The card is lost and the payment is due on XX/XX/XXXX but they will not accept online payments, will not answer the phone to make a payment and I have no way to access any of my information. I mailed a payment as there are no other means to contact them and the mail has been undeliverable. They should be forced to fix their system or at least answer the phone. I have a feeling they are going to try to nab late fees on people when it is no fault of our own they completely left us abandoned.
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I, hereby opt out of all third-party companies of consumer reporting agencies such as XXXX, XXXX and XXXX to disclose information such as my student loan and credit card information such as : XXXX XXXX XXXX XXXX  Account Type : Student Loan XXXX XXXX XXXX Account Type : Credit Card XXXX XXXX XXXX XXXX XXXX Account Type : Open Account XXXX XXXX XXXX/DEPT OF ED Account Type : Student Loan I have not given them full authorization to disclose any of my information of student loans. Please do immediately remove all student loan and credit card accounts listed on non-affiliated third party companies of XXXX, XXXX and XXXX Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Thank you for assisting me on this crucial request and I hope to hear form you within 4-10 business days.
Product: Checking or savings account

I'm trying to get my statements from an closed checking account and I was told I couldn't be helped I need to visit a branch. I informed the agent citi bank is suppose to legally keep my statements on file for 7yrs, I continued to ask for the agent id and She told me, she could give me this information. She then gave me XXXX number which I think is fake. I also asked for a manager she told me a manager wasn't available, I told her this call was being recorded then she then told me to hold on, came back 2 mins later stated the manager was busy and he would give me a call back in 24 to 48 hours. I said i would wait and i waited yet no manager ever came on the line. She was very nasty and rude. This is the reason why I left Citigold. Bad customer services. XXXX was her name. Stated her manager was XXXX, to busy to answer my call.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
The following areas were not corrected : Personal Information Name, and Addresses Accounts : XXXX 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
Product: Debt collection

VALIDATION AND CEASE AND DESIST credit collection serv Address:XXXX XXXX XXXX XXXX  XXXX Ma XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tx XXXX Dear credit collection serv I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, an XXXX XXXX was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

After running my credit report at Experian I identified that there were multiple accounts that had been included in my bankruptcy chapter XXXX XXXX case number XXXX ) that have not been deleted off my report. The original creditor XXXX XXXX and the collection agency XXXX XXXX were both listed in line item XXXX. I have called the creditor as well as the collection agency and Experian to resolve this issue and have not been able to have the account noted as included in the bankruptcy and subsequently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) My legal name is XXXX XXXX XXXX There are other XXXX XXXX ' XXXX XXXX to whom the criminal  records must belong 2 ) The criminal records are being 'red-flagged ' to my employer as XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violated my customer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to and prevent fraud on their platform leaving my account, unprotected and vulnerable furthermore they dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under electronic fund transfer act ( efta ) and regulation E these actions have caused significant inconveniences and financial losses and i seek appropriate redress for these violations!
Product: Debt collection

Received phone call from XXXX XXXX. I did find out that this is a residence phone number. 

Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. 

I filed a complaint with the FCC which referred me to the FTC who referred me to you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries DEPT OF ED - XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened an American Express Platinum personal Card on XX/XX/2020 online with a marketing promotion of promising XXXX Membership Rewards points after spending {$5000.00} on purchases on the credit card in the first 6 months of Card Membership. Plus I would earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to {$15000.00} in combined purchases, during the first 6 months of credit card membership.

After 2 months of using the card at grocery stores and gas stations, I noticed I wasn't receiving my 10x points back on purchases as promised by the promotion so I reached out to the American Express support. They notified me I wasn't eligble for that promotion nor was I eligible for the 100,000 membership reward points even if I spent {$5000.00}. 

American Express claims when I applied for the credit card, I was notified I would be ineligible for the above promotion. I was NEVER notified I would be ineligible for the promotion and I was immediately approved for the credit card after I applied. I even received the card 2 days later and I've been using the credit card for every purchase since I was approved believing I would receive what was promised to me by their promotion. 

American Express refuses to fulfill on the promise of their offer which is an extremely dishonest business practice since I NEVER received any prompt that notified me I would not be eligible for the offer. I hope American Express will see their wrong doing and fulfill on their promise. OR refund me their exorbitant annual fee of {$550.00} which I've already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my discover account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the 2 burearus the discover credit card account is on being XXXX and XXXX and have not heard about the dispute i have also reached out to discover who is refusing to get issue correct in a reasonable time matter
Product: Credit reporting or other personal consumer reports

Failure to remove them off my credit account on XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to formally appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. 

I believe that this limitation has been applied in error, and I respectfully request that PayPal re-investigate my case. I have carefully reviewed the PayPal User Agreement and policies, and I am confident that I have not violated any terms or engaged in any prohibited activities. 

My account has always been used in compliance with PayPal 's guidelines, and I am committed to maintaining a positive relationship with your platform. Therefore, I kindly ask for a thorough re-evaluation of my account status. 

I would be grateful if you could restore my account if the investigation confirms that there were no violations. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your attention to this request. I look forward to your prompt response.
Product: Debt collection

Apparently XXXX says I owe them a vast amount of money that they transferred to XXXX which is the collection agency. Ive disputed this is XXXX multiple times and XXXX. It disappears from the credit report and after some time reappears dragging my credit score down almost XXXX points every time it happens. They cant provide me with anymore info other than the info they have is accurate. I currently have XXXX as well so theres no way I can owe them a balance and have service at the same time. The account XXXX is saying I owe this balance on is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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
Product: Mortgage

I had applied for a loan modification with PHH mortgage services a few months back. Denial of the modification application was sent with no reason for the denial. At a later date, a packet was sent with information about the property 's valuation with no other context. I reached out to PHP again to request additional steps, or other actions that could be taken, I received a letter stating that I should submit a new modification application in XXXX of 2024. I submitted the documentation and the application in XXXX, and I just received a letter stating that my new modification application will not be reviewed due to a prior application that was completed during the same delinquency cycle. The only reason I completed a new modification application is because PH instructed me to do so. As soon as they received the application and supplemental documentation, they immediately sent me a letter stating they would not review the package. I am actively trying to cure the debt. I have been sending in regular payments to ph H and they had been accepting them up until XXXX of 2024. This property is my primary residence, as well as a source of income as I have rental units, and I do not want to sell or lose this property. I have been actively trying to work with PHH to find a resolution to this problem such as a payment plan, a modification, or a balloon payment. I have received multiple phone calls from PHH that do not have any information about additional resolutions.