23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved to another location and planned to transfer XXXX internet to the new place. I called XXXX and set up a transfer with new address. After moving in XXXX internet never transferred and we did troubleshooting over the phone. They decided that services were not in my area and we could not transfer in the meantime they sent my account to collections before I could return the merchandise and pay last bill that was deferred because I was transferring to another location. I arrived at store within the same week I was told to return equipment and pay balance due. I paid in store and account was closed. I noticed the collections reporting paid on my credit each year after that and I disputed this with all XXXX XXXX is the only one still reporting. I called credit bureau and collections acct and XXXX and XXXX no luck.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

They collected money from me, end they reported on my credits report every moth. My bankruptcy was XX/XX/XXXX chapter XXXX in XXXX XXXX XXXX florida all account for my ex husband was included and my accounts because we was married and joint most account this a punt was closet and reopen on XX/XX/XXXX with XXXX $
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}
Product: Mortgage

I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. 
I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came back to XXXX after being in XXXX ( my country ) for 13 yrs. I couldn't rent a place to live, lease or buy a car. 
I build my credit to good. 
Now I am receiving from my bank B & A that my credit went to fair. 
I believe that I never barowrd or own any body any money. 
I need to know companies, institutions or individuals who think I owe them some money. Unless someone else 's is using my name. 
My credit is important to me, please help. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested validation of this debt with the original signed contract of my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

i started the dispute process back in XXXX and have not heard anything yet.
Product: Credit card

BRCLYSBANKDE I have no idea how I applied from anything that has to do with Barclays I only know that to be the area for the nets
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.
Product: Mortgage

I have made my mortgage payments on time. For the past 3 months, the payment was rejected and returned to my bank without notice from the mortgage company. I re-submitted payment several times until it was accepted. I have had my XXXX mortgage payment returned to me without notice from the mortgage company. It is now XXXX and my credit will be impacted negatively due to the span of time that has passed since a payment was accepted. There has been ZERO contact from the new mortgage company that is servicing my mortgage since XXXX is in Chapter XXXX. How am I expected to continue to maintain good credit practices without support from the company servicing my mortgage now? I will not submit late payments when I paid on time. I am very hesitant to continue this issue with no contact from the new company. When I attempted to register for servicing my account with Myloancare.com, my credentials were denied. Their site would not accept my social security number for their registration process. With the technology available today, there is no reasonable excuse as to the complete lack of support from this new mortgage company. I have absolutely no way to make a mortgage payment, or maintain the good credit rating that I have acquired throughout the life of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I requested assistance to reduce my payments due to loss of income. XXXX stated they have no programs for clients not in default. Since that time I have not recovered income to afford the late fees and the negative late payment recordings on my credit file. 

My privacy has been violated due to XXXX XXXX XXXX reporting my payments late and reducing my credit score.
Product: Money transfer, virtual currency, or money service

Today XX/XX/year> I found a listing on XXXX for XXXX XXXX tickets for tonight game XXXX XXXX XXXX. The person at number XXXX was responsive and sent me a screen shot of the ticket. Then he sent me number XXXX name XXXX XXXX for payment on Zelle. He was on the phone with me when I sent the money {$720.00} for XXXX XXXX tickets and said he would click right away to transfer tickets on XXXX. He said he was on the other line with season ticket office to make sure transfer happened. He then dropped the call and blocked my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.
Product: Credit card or prepaid card

My husband, XXXX XXXX  XXXX  XX/XX/2022. The XXXX Capital One account was paid in full in XXXX of this year. XXXX XXXX had charged {$65.00} to his account while he was in XXXX and they refunded it back to Capital One shortly after the account was paid in full. I verified with Capital One that they had received the credit back to his account over XXXX months ago. I am still awaiting the refund check to me. There is absolutely no reason for them to keep my funds this long. I appreciate any help you can give me.
Product: Money transfer, virtual currency, or money service

I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money and it's already been XXXX months since this episode. 

This was without previous notice, without infringing any law, and without a cause nor explanation. They just decided I can't take my money out of the site as I did in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options are the same, just an automatic helpless response and they closed every single of my complaints without an explanation or response. 
Case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX Withholding my money in this way is not only arbitrary but illegal and entirely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights. And not only do I want my money back but I also want the corresponding economic compensation and adequate compensation for the problems caused by this illegal decision.
Product: Debt collection

This is the fax I sent to the Commercial Acceptance Company who has been repeatedly harassing my house with repeated calls To whom it may concern : For the past year your company has been harassing my mother who is now deceased and now the calls are continuing by being left on the answering machine because I am a XXXX XXXX and never home. 

Your representatives or collection agents are always looking for a XXXX XXXX or a XXXX XXXX who possibly had this phone number years upon years ago the phone number is XXXX My name is XXXX XXXX I live here at XXXX XXXX XXXX in XXXX Pennsylvania XXXX. 

If you want proof of that please send a self-addressed envelope to that above address and I will enclose a copy of my XXXX phone bill proving to your company that there is no XXXX XXXX or XXXX XXXX in any way related to that above reference phone number Furthermore I want your company and all of its Representatives or collection agency to cease and desist all further phone Communications to phone number XXXX immediately or I'm going to start a lawsuit against your company for harassment If you wish to speak to me my cell number is XXXX you can reach me at that number anytime to discuss this matter Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard pull on my credit file without my Authorization
Product: Credit reporting or other personal consumer reports

on XXXX24 ( and for the last month ) I attempted to sign into my Experian Credit Monitoring account. I have changed my phone number and when I try to log in it will not let me. I am trying to update my phone number but can not so I am locked out of my account. I am being billed for the service but can not access it. Experian does not have a phone number to call for help or a chat function. I am concerned that it will affect my ability to lock and unlock my credit report. They have an address to send inquiries to which I did on XX/XX/XXXX but still have not gotten a response. they used to have a number to call but no longer do which I believe is allowing them to be paid for a service I can not access which I believe is unfair and fraudulent.
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Fraud/Aggravated Identity Theft I am aware XXXX my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United Staes in accordance with 18 U.S.C 8 and being that Portfolio Recovery Associates , LLC is attempting to collect a debt from, I the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. Portfolio Recovery Associates , LLC is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NO CONSENT to Portfolio Recovery Associates , LLC furnishing this information to my consumer report. I did not give authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Portfolio Recovery Associates , LLC for the account opened XX/XX/year>. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turningPortfolio Recovery Associates, LLC into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right too commence legal proceedings to recover damages without further notice to you and this letter may be tendered as evidence of failure to comply. XXXX : XXXX Without Prejudice All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

( 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 creditstanding. 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.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. TheConsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit againstExperian, alleging systemic issues such asfailing to forward consumer-providedevidence to furnishers, accepting unreliableresponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Bank account or service

Bank of America issued me a new Debit Card about XX/XX/2017. This change required me to contact all auto-pays with my new updated Account No. to prevent interruption of payments. 

On XX/XX/2017 BOA gave my new Bank Account No. without notifying me, without my authorization, to a service I do not use and allowed them to withdrawal money in the amount of {$29.00}. I saw this charge on my bank statement and called BOA concerned for my banking security and safety. 
BOA immediately credited the money back to my account and told me they would block the company. 
They blamed XXXX as it 's LOGO is on my card. They later blamed it on being a recurring charge, which it was not. 
I have several recurring charges and had to contact each one with my new card account number weeks earlier to prevent routine recurring charges from being declined due to my new account number. BOA refuses any responsibility for giving out my private banking information. BOA gave no guarantee for my future security of my banking information. 
We discussed & agreed to, 'not ' blocking my bank card as it was new and would create unnecessary inconvenience for me since BOA already blocked the company. 
BOA went ahead and stopped my Bank Card without notifying me. All calls are recorded and I requested they hear the recording ( XX/XX/2017 at XXXX ) as now they are accusing me of stopping my Bank Card. 
From the {$29.00} charge to my account it is evident that stopping one 's Bank Card adds NO extra security prevent fraudulent charges. 
SUMMATION : 1. ) BOA with no authorization or notification gave an unknown company my secured bank account information that incurred the expense to my account. 2. ) BOA out of spite stopped my Bank Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THESE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Product: Credit card or prepaid card

I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.