23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am experiencing a negative charge from First Investors, and I have called three times requesting the 1099-C form, but they refuse to provide it. This issue is affecting my ability to obtain another vehicle. I struggled financially after being fired from my job, and I am still fighting my wrongful termination case in court. What steps should I take to resolve this?
Product: Mortgage

The whole problem started when they reevaluated my escrow account. They did not do they're homework when they bought the loan off of my original loan company. My original taxes set up when i purchased my home were correct. They took my taxes from a year before the home was built on this property. Sent me money back from my escrow account and lowered my mortgage payment. Now they want to play catch up forcing me to pay what I originally had scheduled plus what I am behind. This has put me in a financial hardship which I can not make my mortgage payment. Since then I have tried to get money out of my 401k to make my escrow current but that is not allow since it is not a foreclosure notice. So no I am trying to do a load mitigation. I filled out all of my paperwork and submitted it to their website. I recently got a letter in the mail stating I am missing additional income and a for 4506-C which I submitted both of. When I tried to login to my account to resubmit my forms they claim they never got, I am no longer able to get into my account. I feel they are taking these steps to force me into foreclosure and not work with me on a loan mitigation. I need legal help dealing with this company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00}
Product: Debt collection

Portfolio Recovery Associates continues to contact my co-workers at my place of employment and telling them my business. This has happened on different occasions and with different co-worker. They call continually and repeatedly. They call on XXXX XXXX call after the other. they have called a total of XXXX time daily for the last XXXX months. Also they have talked to my co-workers in XX/XX/2022, she did not know the exact date. I really believe that the statue of limitation is up on this debt if its the debt that I am thinking of.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute account do not belong to me. Please block/remove this account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to report accurate information to the credit bureau. By law, they are suppose to. My positive payment history has not been reported in months. I have made close to {$3000.00} in payments since XXXX and my balance on all my credit reports has not reflected this. I have no payments due until XXXX because of my very positive payment history of making large payments to pay off balance and interest. Ive contacted them and they told me they have reported my most recent balance in XXXX, but my credit report does not reflect this and have not provided any proof of this. My balance has not been correct since XXXX on all my credit reports. I have had to dispute it on XXXX, but have not had a resolution as of today. I have all the proof in my most up to date balance and payment history. Because of this, Ive not seen improvements with my XXXX. In fact, it is affecting me negatively. They need to taken action by law.
Product: Credit reporting or other personal consumer reports

Wells Fargo is lying to you and me about responding to absent credit information. They claim to be responding and do not. First they promised to correct the information by XX/XX/XXXX. Then they needed until XX/XX/XXXX. Now they claim to need until XX/XX/XXXX. They have collected my personal information, which they already have, XXXX times. Why can't you do anything about this? They are lying when they tell you they have responded and you fall for it again and again and again.
Product: Credit card

I booked a flight from XXXX to XXXX XXXX, then XXXX XXXX to XXXX and then from XXXX to a resort destination in the XXXX, all through XXXX XXXX. However, because XXXX XXXX is incompetent, my flight, XXXX, never left XXXX at its scheduled time. The flight was eventually cancelled and I was put on another flight eight hours later. This caused me to miss my two connecting flights, XXXX and XXXX. 
No fewer than four XXXX XXXX gate agents ( one in XXXX and XXXX in XXXX XXXX, where the flight had to make an emergency stop ), one customer service agent reached by telephone named " XXXX, '' and XXXX XXXX 's own public relations department, all promised me full refunds of my XXXX XXXX flight because I had missed connecting flights that I had to re-book myself at my own expense. Since I returned stateside, XXXX XXXX has refused to communicate with me about this issue and has in fact sent several demeaning and unprofessional e-mails to me. 

After filing a dispute with Synchrony Bank on XXXX XXXX, I did not hear back from them until XXXX XXXX, informing me that they are denying my dispute. Synchrony Bank had the audacity to claim that they sent multiple letter to me, when in fact they did not communicate with me at all between XXXX XXXX and XXXX XXXX. I then filed a complaint with the CFPB in late XXXX. I just found out that the CFPB for some unknown reason closed my file. I have not heard from Synchrony Bank since XXXX XXXX. I am re-filing this to obtain some sort of communication from the bank.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

XX/XX/XXXX charged {$29.00} for purchased software on disk to be seny XX/XX/XXXX credited XXXX for non acceptance of merchandise due to late delivery XX/XX/XXXX XXXX rebilled {$29.00} WHY? 

I called merchant and chatted with third party supplier and they assured me creidt has been given for item not bought Please issue credit again to cancel XX/XX/XXXX rebill I asked this action in # XXXX XXXX but ignored by Capital One to date
Product: Debt collection

XXXX claiming there is an inaccurate debt owed that was already paid prior to services being terminated. Debt collection agency still calling multiple times a day attempting to collect a debt.
Product: Debt collection

Caine & Weiner sent me a debt collection notice for " XXXX XXXX XXXX XXXX ''. To my knowledge, I have never transacted business with XXXX 's. When I contacted Caine & Weiner to inquire about the alleged debt, they could not provide me with any information about the debt, nor could they provide me with information about how to contact XXXX 's. The representative told me I could " look them up online ''. Frighteningly, they knew at least the last four digits of my social, and they knew my birthdate. 

When I finally found a way to contact XXXX 's, they had already received numerous calls about this debt-collection company ( Caine & Weiner XXXX XXXX but they did not have any information on any debt I might owe them. 

I believe Caine & Weiner is fraudulently trying to collect a debt I do not owe.
Product: Money transfer, virtual currency, or money service

*****I opened a support ticket with Coinbase.com on XXXX XXXX with the following message:"On XXXX XXXX, I made three purchases for 22 litecoins, using the coinbase mobile app. For each purchase, I was prompted with a successful purchase complete prompt.Subsequently, I received 3 emails, one for a successful purchase and 2 stating that my purchase could not be made.My last purchase that went through and is still in a "pending" state, not "cancelled" state, has not been processed, and the transaction has exceeded the expected clearing time of XXXX XXXX.With that in mind, this is putting me in a very bad hedge position, as I can't sell those coins as I wanted to.I'm not sure what kind of hoopla is going on over there, but if those coins don't clear in the next day or so, then I'm going to reach out directly to your regulator, the CFTC and let them know that you're not abiding to contractual agreements, which your data repository will evidence and prove.If you take this seriously, then please call me immediately at (XXXX)XXXX-XXXXAll the best,XXXX"*****To which I received the following response back from Coinbase on XXXX XXXX:"Hello XXXX,I really do apologize about the delayed response. We are swamped. Pertaining to the pending transaction I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.Thank you for your patience."*****I have not received a reply back, after 3 weeks. If you ask me this is a lawsuit. Please escalate this issue, as this company is involved in illegal practices by way of not fulfilling orders and not allowing users to verify identification, which causes them to pay exorbitant amounts of fees.Please shut this company down. I wish I would have known that this is how they treat customers and scam them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me with a statement 21 days before, so there should be no late payments on this account. I demand hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to be paid as agreed upon in my consumer report. 

XXXX XXXX  Account XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected.
Product: Debt collection

Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.
Product: Money transfer, virtual currency, or money service

I was selling a textbook on XXXX XXXX for XXXX dollars and a woman named XXXX XXXX on XX/XX/2022 reached out to me asking if the textbook was still available. She specifically asked to use Zelle to transfer the money for the textbook. I have Zelle which is linked up to my XXXX XXXX bank account, so I responded with " yes. '' XXXX proceeded to tell me that she sent the XXXX dollars to my account. Later that day on XX/XX/XXXX I received an email that said I needed to contact the sender and send them an additional XXXX dollars so my Zelle account can be upgraded to a business account and the transaction can proceed. XXXX said that the XXXX dollars would be refunded after the transaction. Then on XX/XX/2022 a 2nd email was sent to me from XXXX saying that my Zelle account has still not been fully upgraded and another XXXX dollars would need to be sent to the account with the email XXXX and whose name was XXXX XXXX. The email said after this transaction the XXXX dollars and XXXX dollars would be refunded and the transaction with selling the textbook could proceed. After sending both the XXXX dollars and XXXX dollars I realized that this was not a real Zelle support team email and was being scammed.
Product: Vehicle loan or lease

I went in to get a car and decided I didnt want the car. The car dealership still was pulling my credit and calling after I said several times I no longer want the car they was trying to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway through taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XXXX
Product: Checking or savings account

I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such XXXX XXXX-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Product: Credit card or prepaid card

On XX/XX/XXXX Chase emailed me a promotional offer for my XXXX credit card : " you can earn 10X Bonus Points at gas stations and 5X total Bonus Points on XXXX and at grocery stores for every {$1.00} you spend up to {$1500.00} in combined purchases. * '' Pictures of the email are attached.

I clicked the offer to activate it but the confirmation showed another offer, which was not mentioned in the email. 

On XX/XX/XXXX I spent a total of {$1400.00} at XXXX gas station over two transactions. No bonus points were awarded for these purchases, just the standard 1 point per dollar. I contacted Chase through their secure message center and was told I was not eligible for the offer that was emailed to me. They asked for screenshots of the email offer, which I provided. After that, they still did not honor the offer. The last message ( received XX/XX/XXXX ) stated : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At this point, I decided filing with the Consumer Financial Protections Bureau was my only option.

In my opinion, this is a bait and switch tactic by Chase.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate, incomplete, and misleading. I have reviewed my credit report and identified items that I believe violate the Fair Credit Reporting Act ( FCRA ), particularly in regard to the accuracy of the information you have reported.

The information in question is as follows : This collection account was owned by a different collection, now this item has been sold to a different collection agency, without prior written authorization.

Furthermore, this item had been removed from my credit report previously, because the account had been concluded to be fraudulent, and now it is appearing again. 

The collection account : XXXX XXXX XXXX XXXX, MN XXXX {$4000.00} According to 15 U.S. Code 1681o, the FCRA mandates that credit reporting agencies conduct a proper investigation of any disputed information. If, after investigating the dispute, the information is found to be inaccurate or incomplete, the agency must correct or remove the incorrect information.

It is my understanding that under 15 U.S. Code 1681o, if the credit reporting agency negligently fails to comply with the FCRA requirements and does not correct the inaccuracy within a reasonable time frame, the agency can be held liable for civil damages. I believe that this matter falls under such a circumstance, as the information in question has had a negative impact on my creditworthiness and I have not seen any action taken to resolve the issue.

I request that you promptly investigate this matter, correct any inaccuracies, and provide me with a revised credit report reflecting the changes. Additionally, if your investigation concludes that the reported information is indeed incorrect, I would appreciate an explanation of the corrective actions taken, as well as the removal or correction of the disputed items from my credit file.

Please confirm the receipt of this letter and provide a written response detailing the outcome of your investigation within 30 days, as required by the FCRA.

If you fail to comply with the obligations under the FCRA or fail to rectify this dispute, I will seek all available remedies under 15 U.S. Code 1681o, which includes pursuing civil liability for negligent noncompliance.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue.