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

I am XXXX XXXX. This is not a third party, I am who I say I am. On XX/XX/2021 I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. 

Once an FTC Report and documents to verify my identity were sent. Equifax, XXXX, and XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Checking or savings account

I just opened up a pay pal account so I could have unemployment deposit my money in account and I take it out. It start they put limitation on my account before unemployment put money in my account. So I took care of it. Me second deposit have not been able to access. I get different reasons everything I call. First suspicious withdraw. Now they suspicious fraudulent and won't give me my money no a reason why they froze my account for 180 days and say they don't have to tell me or give me my money
Product: Credit reporting or other personal consumer reports

Transunion LLC ones again violated my rights by not providing documentation to support the negative information in my consumer report. Those negative transactions are affecting my credit and are affecting the well-being of my family. The dispute was sent on XX/XX/XXXX and the result only took 20 days.It is impossible to do a serious investigation in so few days.In addition What was the documentation they analyzed to conclude that the information is accurate? Why wont provided me copy of those documents? Below copy of the result of the investigation Report XXXX XXXX. 

" Report Created On : XX/XX/ File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute. 
We investigated the information you disputed and updated : Not Specified. Here is how this item appears on your credit report following our investigation. 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX ''
Product: Credit card or prepaid card

Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Company states fake phone numbers are " purchased '' by the company, yet they are owned by people not associated with the company. It is called XXXX search. Easy to find out who owns the phone numbers and easy to find out when the phone number is called back that it does not belong to SIMM Associates. I DO NOT ANSWER CALLS FROM NUMBERS I DO NOT KNOW. THIS HARASSMENT HAS BEEN TAKING PLACE FOR SEVERAL MONTHS. Caller ID spoofing is ILLEGAL. Company also states I will no longer receive calls from them yet I have received 3 from them AS OF XX/XX/2018 still using FAKE local numbers, leaving NO MESSAGE. I NEVER SAID I WANTED A CALL BACK FROM THE COMPANY. SIMM ASSOCIATES IS A SCAM. I have NO BUSINESS with this " company '' nor will I EVER give any money to a company that illegally hides their caller ID information behind fake local numbers not owned by the company. SIMM Associates is a fraud. CFPB closed my previous complaint without a response from me to the company. Not happy about CFPB actions either with regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Student loan

Sometime between XX/XX/XXXX and XX/XX/XXXX I asked for a lower monthly payment, as I was suffering financial hardship. I was given six months forbearance instead. Now, on XX/XX/XXXX, I again asked for a lower monthly payment. On XX/XX/XXXX, I received an e-mail from Navient with a document stating that I had been granted 2 months forbearance, but had been denied the lower monthly payment.
Product: Checking or savings account

I have been fighting with Robinhood to get them to unrestrict my spending and investment accounts for 11 days now, since they restricted it for " suspicious activity '' on XX/XX/31 when I tried to use my debit card linked to my spending account at a grocery store XXXX mile from my house. I had the correct PIN to use the debit card, because I tried twice, and I had used the card before multiple times before that. I have provided the following documentation to Robinhood to verify it was me : picture of my driver 's license, pictures of myself from multiple angles, picture of SS card, and two bank statements. That's a lot of documentation for something like this, it seems. Especially ridiculous since I talked to them on the phone and verified my identity several times. There is zero sense of urgency on their end to resolve the issue, all the while my money is locked up. It's not an insignificant sum of money for me either. I get that suspicious activity happens and Robinhood has to protect me and itself. Those documentation requirements are seemingly a bit onerous, but, setting that aside a minute, there needs to be some timely resolution of these issue. Robinhood advertises that you should go direct deposit with them. Imagine if I had done that? I'd be 10 days without access to my pay! I have no idea why things are so messed up there, but they are. Someone needs to look into Robinhood and their practices before someone gets hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Product: Money transfer, virtual currency, or money service

On XX/XX/year> our Wells Fargo account was hacked and two wire transfers were made without approval. One transfer was made for {$17000.00} and second one was for {$6800.00}. Thankfully we attended our nearest bank branch and they were able to stop the second transfer from fully going through. Unfortunately the first transfer did go through for {$17000.00}, Wells Fargo stated they needed to to do further investigation before proceeding with adding funds to our account. On XXXX XXXX we received a letter from Wells Fargo stating they were not refunding any money since the transfers were made with in their security perimeters. This has a created a tremendous financial hardship t our family, please help us get our money back.
Product: Credit reporting or other personal consumer reports

THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY XXXX XXXX XXXX XXXXXXXX ON XX/XX/2023. FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND XXXX XXXX XXXX XXXXXXXX CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX DOLLARS. I REACHED OUT TO MY XXXX, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX  BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Product: Credit card

I purchased a XXXX XXXX  with the advertising of 2 years interest free. I was never told by XXXX or Synchrony Bank that at the end of the two year I would be charged for interest for the previous two years. This totaled {$4600.00} which was about the balance of the account. Had i been told i would have paid the balance off prior to the charges. This seems incredibly fraudulent and unethical. XXXX stopped using Synchrony and i believe this is one of the reasons. I can pay the balance off immediately but feel the extra interest charges are a predatory practice and should be illegal
Product: Debt collection

On XX/XX/XXXX I wrote to XXXX disputing a collection account I was unaware of and specifically asked for validation and verification of the account. I requested a certified copy of a written agreement or contract bearing my signature and that XXXX has a valid basis and/or authority to collect this dept in the state of Tennessee. 
The Collection Bureau of America responded on XX/XX/XXXX and failed to provide ANY of this information, but instead began further collection attempts and updated their claim on my credit file and refused to delete the information. 
I followed up with a second letter and as of the date of this complaint have received no further information.
Product: Money transfer, virtual currency, or money service

I have been a customer on Coinbase for years. I tried to log on XX/XX/XXXX. My portfolio, linked bank account, tax information. Everything has disappeared. I have called 3 times. Emailed and opened 3 cases over the last 2 months. Have posted on XXXX. All with no response. I am missing in total over an excess of {$20000.00}. I have all the emails of my purchases in the past with reference numbers for the purchases and I have my bank account statements with the withdrawal statements on them. No access to my money and no customer service to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!
Product: Debt collection

NCC Business Services Inc has sent me a notice for a debt from a apartment complex XXXX. I have not received any documentation for the debt from the apartment complex nor have I been taken to court by XXXX in Maryland and got a judgement against me. I am a identity theft victim I do not want NCC Business Services to use my personal contact information or contact me.
Product: Debt collection

I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Product: Debt collection

This debt is not valid. I do not owe AFNI or XXXX. 
When/prior to I canceled my account with XXXX, XXXX verified account was paid in full. IT was paid IN FULL. 
Then they tried to charge cancelation fees after the fact. and I refused to accept charges as my account was closed. 
AFNI bought an invalid debt and tried to collect. 
I informed them that the debt was invalid and needed wet signatures of original debt. 
They refused to provide documentation. 
I asked them to stop contacting me and to stop reporting to credit bureau. 
They refused. 

They are negatively and falsely effecting my credit report and refuse to stop.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) XXXX the XXXX knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX for XXXX cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carter - Young Inc. was informed several months ago that their client was reporting this little XXXX {$53.00} erroneously, Im a service connected XXXX XXXX XXXX Veteran, and Im a Social Security XXXX Beneficiary, Ive Awesome health Coverage, I have XXXX XXXX & the XXXX XXXX XXXX Coverage. Carter-Young Inc client XXXX XXXX never XXXX filed for Secondary Insurer, the XXXX  XXXX XXXX plan was never filed by their Ignorant client, XXXX  XXXX! Instruct Carter-Young Inc, remove this XXXX, and remove it now, Im covered @ 100 %, No XXXX Co-pays, No Co-Insurance & No deductibles period!