23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attention Radius Global Solution and XXXX XXXX XXXX : Reference to XXXX May be the Representatives did NOT make it clear.

My identity was compromised that is why I filled a complaint with the Federal Trade Commission, identity theft.gov., Consumer Protection Bureau , Credit B
ureaus , etc.

I dont know what you mean by verified but I was out of the United States for over 2 years and it has been verified by the exit and entry stamp on my passport. 

Therefore, I do NOT own your company XXXX, that is not possible. 
Please remove the amount of XXXX as soon as possible from my credit report and place it on the rightful persons account. 

When you choose not to remove the XXXX from my credit report : I will use all avenues, resources, cause of actions, etc. against your company. 

Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Executive Office of Discover Financial Services XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX , Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation.

If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX  days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with DIscover ; there was no respect for me. 

XXXX I have yet to receive a response from the this very profitable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I HAVE NEW AND UPDATED INFORMATION, PLEASE REVIEW ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

What happened : In XXXX, before leaving the country, I diligently requested Bank of America ( BOA ) to close all my accounts, including both my debit and credit cards, through their phone customer service. I was assured that all outstanding balances were cleared, and the accounts were successfully closed. However, unbeknownst to me, the credit card account was not actually closed ( while the debit card was closed ), leading to the accrual of a small amount of interest. Unfortunately, I wasn't informed of this until it had already become past due for several months while I was already in a different country, adversely affecting my credit score. Despite promptly settling the dues upon discovery, the incident has significantly hindered my credit opportunities since my return to the country this year. / What I did : I tried to contact BOA through the phone around two weeks ago, the customer service said they couldn't find any of my credit card history but could submit a report for me. Yesterday, I received the letter from BOA ( letter date is XX/XX/XXXX ) and it states : '' We reported that we closed this account on XX/XX/XXXX. This means we won't be adjusting our report like you requested and consider your dispute resolved. '' / How it impacts my life : Experiencing a sense of neglect from Bank of America after being assured of account closures, I'm struggling with the belief that once you cease to be their customer, they no longer prioritize your concerns. This has significantly impacted my life, leading to new credit application rejections, despite steady employment, due to the overlooked credit card issue. I earnestly hope for a fair resolution and a chance to rebuild my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

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

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

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me
Product: Money transfer, virtual currency, or money service

Hello there, I am having a difficult time with Coinbase.com and transferring funds to my bank account via wire transfer. 

I made a wire transfer withdrawal request on ThursdayXX/XX/XXXX at XXXX XXXX. from my coinbase account to my bank account. 


When I made the request, site said that the funds would be transferred that day (XX/XX/XXXX ). 

However, when I got the confirmation email, the confirmation email said that I would receive my funds by XX/XX/XXXX. 

I still have not received my funds in account as of XX/XX/XXXX. 

I have submitted a support case regarding this issue to support.coinbase.com. 
The case ID is XXXX. 

I received a reply to my support ticket from a Coinbase.com from a representative named XXXX on XX/XX/XXXX at XXXX XXXX. 

This is what the reply said : ===== Hi XXXX, Thanks for reaching out. This wire was processed just after the cutoff time for yesterday so you should receive your transfer today if you havent already. If you dont see the funds post by the end of the day today please let me know so we can investigate further. Thanks for using Coinbase! 

===== I have replied numerous times, continuing to state that the requested wire transfer has not been received. 

I have reached out to coinbase on every social media channel that I can ( XXXX, XXXX, XXXX ), as well as sent several emails and replied numerous times to my support ticket. I 've asked my receiving bank to check for a wire transfer coming into my account, at least 4 times this week, but there has n't been any transfer.
Product: Credit card

Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently.
Product: Bank account or service

Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question,  XXXX / XXXX /  XXXX  . I personally electronically transfer money from my  XXXX   XXXX  account to the Sun trust account before  XXXX  on that day.     There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.
Product: Prepaid card

Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.
Product: Debt collection

company called me repeatedly requesting payment for a credit card that I did not authorize.
Product: Mortgage

American Finanacial Network , Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter for a refinance at 4.49 % / 4.89 % APR, I called at XXXX XXXX and spoke with XXXX , explained couple times that these rates does not seem to be true and if they can not give me those rates, I DO NOT want them to pull my credit report, and she assured me that yes they can refinance my mortgage with the rate mentioned in the letter, so unfotunately I trusted and gave her my information, she called me back and told me the rate would be 6.5 %???!!!. And to let you know my credit score is one of the best.
Product: Vehicle loan or lease

I filed a complaint via mail on XX/XX/XXXX they should had received it XX/XX/XXXX certified and no response I would like to heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is dodging their duties and telling me that they don't think I was the one sending my previous complaint. I have atatched a selfie of myself holding my ID to verify that it is me. Please verify everything so I can finally start to remove these negative items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report
Product: Debt collection

THIS ACCOUNT IS STILL SHOWING ONN MY CREDIT REPORT AND I MAD MANY COMPLAINTS WITH THE COMPANY AND ASKED THEM TO FIX MY PRODUCT BECAUSE IT WAS POORLY MADE MUST HAVE BEEN DEFECTIVE AND THEY GAVE ME NO HELP. THIS COMPANY IS KNOWN TO SELL POOR ITEMS AND IGNORE CUSTOMER REQUEST FOR HELP. 

{$670.00} ACCT XXXX XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting incorrectly to Equifax and XXXX a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

I received a phone call from the following phone number ( XXXX ) XXXX from a woman named XXXX XXXX, she phoned me at my job on Wednesday XXXX XXXX, 2015 about XXXX claiming to be representative of XXXX XXXX which is where I currently bank, she stated that something happened with my account and that was the reason for the phone call. I requested the phone number to return the call and she stated that the call would bypass her secretary and go directly to her. I looked the phone number she gave to me online and found out it is a debt collection agency named XXXX or Del Ray XXXX, so when I called this same lady answered the phone still claiming to be a representative of XXXX XXXX Bank. When I asked her for verification she proceeded to give me my old banking information. I informed this lady that I do not want her to contact me at work again and that I would be reporting her fraudulent behaviors.
Product: Debt collection

They are calling me repeatedly every day I am receiving 6 to 7 calls and 3 to 4 voicemail messages a day from them all with the same recorder message I have them all saved on my phone. It is harassment. If they believe I have something they can send me a letter. The attached screenshot just shows some of the daily voicemails, not even all of the daily calls
Product: Credit reporting or other personal consumer reports

I checked my email on XX/XX/2024 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " XXXX '' " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to Transunion XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to XXXX and XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Balance : {$1100.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX PORTFOLIO RECOVERY XXXX XXXX XXXXXXXXXXXX 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