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

XX/XX/, I was told by XXXXXXXX XXXX call center representative XXXX, that my XXXX credit card with XXXXXXXX XXXX had been sold to a 3rd party called Indebted XXXX  due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to Indebted XXXX to make my payment. I contacted Indebted XXXX XXXX XXXX on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call Indebted XXXX as well as XXXXXXXX XXXX  over and over again, I even tried to dispute with my bank. I was told by XXXX XXXX  that Indebted XXXX has not sent them the check yet. I was told by Indebted XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XXXX XXXX I spoke with a supervisor by the name of XXXX XXXX with XXXXXXXX XXXX, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to Indebted XXXX my account was reversed BACK TO XXXX  AND NO LONGER WITH INDEBTED. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted XXXX XXXX and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay XXXX XXXX in attempts to XXXX out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using XXXX XXXX  of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my XXXX out my balance.
Product: Credit card or prepaid card

My account with Barclay has been paid off less the amount of {$15.00}, a payment has posted as of today, XX/XX/XXXX, bring the account to this balance. This amount is in dispute, a NSF fee which will not be paid. As stated in numerous past CFPB complaints, I was unaware Barclay resubmits payments for processing, if returned the first attempt. on XX/XX/XXXX a payment in the amount of {$50.00} was returned after second attempt ... ... I made a replacement payment which did in fact clear, contrary to what a XXXX XXXX claims. Had I known Barclay resubmits payments, I would not have made a replacement payment. XXXX left her number to reach out in prior CFPB replies, a total of three messages left, not one returned. As stated above, this amount, {$15.00}, will not be paid ... Should account sent to collections agency, the issue will be explained and more than likely, account referred back to Barclay. I am sure any reasonable person, unlike XXXX, will see fee is not valid and will cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and XXXX XXXX XXXX, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-compass bank-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXXXXXX Account XXXX Routing # XXXX FRUAD EMAIL USED-XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  - Account # XXXX XXXX Account # XXXX
Product: Mortgage

I submitted an escrow analysis request with documentation from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I received XXXX veteran and XXXX  exemptions in my annual tax assessment notice effective XX/XX/XXXX. The request to adjust taxes was not approved by Amerihome. My taxes were reduced to {$1400.00} for the XXXX tax year from more than {$9400.00} during XXXX. I am still paying monthly escrow payments of {$1300.00}. As a XXXX XXXX XXXXXXXX veteran and retiree on limited income, I am paying an illegal amount into the escrow, which based on the tax analysis should not exceed {$310.00} per month in XXXX. My current escrow balance as of XXXX XXXX is {$5900.00} based on currently monthly escrow charges of {$1300.00}. This is excessive and is not legal. I have already paid into escrow an amount exceeding my insurance and tax for XXXX. Please assist me in getting my escrow analysis completed based on the new tax assessment and the monthly payment reduced accordingly.
Product: Credit reporting or other personal consumer reports

I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still XXXXwns this debt, they must provide full validation immediately. 
If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active. 
Their misleading reporting is harming my ability to obtain a loan and causing financial distress.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.

Please note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I closed a credit card account with Barclays in XX/XX/XXXX and paid off all amounts owed. In XX/XX/XXXX, I received a bill for a new charge on the closed account. I have called to dispute it multiple times. They keep pushing me to their fraud department and there has been no resolution in spite of my monthly calls. To make it worse, they are trying to collect late charges and interest from me ( which keep growing ), on a closed account, for a charge that I did n't initiate. I have spent hours on the phone with them.
Product: Debt collection

I am disputing this collection account as this account was opened fraudulently. 
On or about XX/XX/XXXX of XXXX a person bought a cellphone from an XXXX XXXX XXXX store in XXXX  using my name and credit. The address they claimed I lived at was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Naturally, this person never paid the bill and the account went into collections in XXXX of XXXX which is when I was alerted by all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX Fraud department to advise them that this account was fraudulent. The collection agency handling the account for XXXX XXXX XXXX XXXX at that time was XXXX XXXX XXXX  out of XXXX GA. 
The dispute with all 3 credit bureaus verified that the account was opened in my name frequently and was taken off my credit report with in a couple of weeks. 
On XX/XX/XXXX of XXXX I was alerted by the credit bureaus XXXX XXXX XXXX XXXX sold this fraudulent to a new collection company call Sunrise Credit Services out of XXXX NY. Same account number as the original collection company. 
I immediately disputed the account again with credit bureaus and now the account was verified because XXXX XXXX XXXX gave this new collection company my real address in Florida. Not only is XXXX XXXX XXXX trying pursue this debt twice now from the wrong person but they wrongfully sold my personal information to a new debt collection company.
Product: Credit reporting or other personal consumer reports

My rights are being violated under the Fair Credit Reporting Act. I am an identity theft victim. Kohls was notified of such. They did not investigate and have refused to assist me with the matter. I have submitted disputes however, they fail to investigate, communicate with me and properly notify me of updates. I recently submitted a dispute via XXXX and Kohls proceeded to add derogatory information to a charged off account. I have attempted to ask this company to assist me with resolving the status of my account because I am a verified identity theft victim. Kohls is RETALIATING against me for asserting my rights as an identity theft victim. I do not understand why I am being penalized as I understood the law were supposed to be designed to assist identity theft victims. I am not the recipient of such assistance.
Product: Credit card or prepaid card

onXX/XX/XXXXXX/XX/XXXX I bought a XXXX XXXX round-trip airline tickets for myself and XXXX kids totaling {$7300.00} through a traveling agent, XXXX XXXX XXXX on line to XXXX XXXX. 3 days later I noticed the same tickets were reduced by a {$1000.00}. I cancelled the purchase and bought the lesser priced tickets on XX/XX/XXXX ( which I used to travel to XXXX the following year XXXX ) ; Since 3 days have elapsed from the original date of purchase according to their policy, I was denied a refund. However the tickets were valid till the following year (XX/XX/XXXX ) which I used. This amount was charged on my Bank Of America credit card by XXXX XXXX on XX/XX/XXXX. Surprisingly the amount was not charged directly by XXXX ( agent ) which I disputed with the Bank and it was clarified. To my dismay I noticed on the Bank statement 2weeks after my return from vacation on XX/XX/XXXX that the same amount of {$7300.00} has been charged on the card by XXXX. The agent alleged another purchase of 4 tickets to XXXX with the same XXXX XXXX vessel for a departure date listed XX/XX/XXXX and return XX/XX/XXXX. It would be preposterous to go on line to purchase another set of 4 tickets to leave the country with the children in the middle of the school session in Texas when we have just returned. After exhausting my option with the agent 's customer service, I contacted BOA to dispute the charge. I was astonished to know that XXXX  provided the Bank with a forged itinerary that bears the same ticket numbers on the previous cancelled tickets which XXXX XXXX charged. I also observed that the forged itinerary sent to BOA as their prove has no booking reference number or airline record locator which is specific to every ticket purchased which can be trace with the airline. The Bank refused to do a thorough investigation on the dispute despite all the necessary information sent to them and closed the investigation. Furthermore, my XXXX trip account on line shows that the disputed transaction was a " chargeback '' not an actual purchase which I have a documentation of it. I am disappointed that Bank Of America has failed to protect me the consumer, failed to call by phone to verify multiple charges on the card by the agent, has no fraud protection and allowed the XXXX to get away with fraud at my expense. XXXX has intentionally misled Bank Of America in its attempt to retain monies illegally and unethically from me.
Product: Credit reporting

Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??
Product: Checking or savings account

I opened dispute claim # XXXX with Robinhood. After not being able to initiate it in the app, I had to wait 30+ minutes to speak to a representative and more time on hold. Representative XXXX informed me the dispute was not yet opened and I will have to wait for someone from the disputes department to reach out and start the process. As my bank, Robinhood is obligated to promptly open a dispute and start the investigation, which they have not done. They are also obligated to provide a temporary credit within 10 business days of the reported error under Regulation E.

Robinhood needs to open my dispute ASAP and apply credits to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Attn : Fraud/Dispute Department XXXX 

XX/XX/2022 Re : Inaccurate Addresses being reported To Whom it may concern : Per most recent credit report dated XXXX XXXX XXXX ; Experian is still willfully reporting inaccurate address ( s ) and Im requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identify or lead to fraud. 

My current and only correct address is XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. Please update the information in my report to reflect, ONLY my above mentioned, true accurate undeniably valid current address and remove all other reporting addresses that are not like the one I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per FCRA, Section 623 since they are not accurate I do not AUTHORIZE Experian to retain or report any addresses that is not accurate or certified. 

In accordance with Consumer Protection laws, I request that these NOTED addresses be removed from my credit report. I know Experian is only legally permitted to distribute reported certified complaint and verified valid claims that are true and as reported. I didnt not give Experian permission to publish outdated or incorrect information about me. I understand that you must complete this update with 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address along with my updated credit report. 

Thank you for your prompt and timely help in this manner. 



Sincerely,
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2018, I wire transferred {$9000.00}. Right after I got the funds on my account, Coinbase blocked my account and asked me to verify my SSN. 

Since I do n't have an SSN, I have submitted my XXXX XXXX Passport to prove it 's me using the account, and I also submitted bills with my name on to prove that I live in the United States. 

I have also verified my Valid U.S. driver 's license already in the past. 

The problem is that I have been unable to reach Coinbase since I HAVE N'T been able to get access to MY MONEY ( {$9000.00} + pending {$3000.00} ) and MY FUNDS ( {$5000.00} worth of Cryptocurrency ). Total of {$17000.00} Whenever I call the Customer Service at Coinbase, all they say is " Please be patient and I 'd like you to have a good evening. '' They even hang up on me without my consent. 

It 's an emergency since the money and funds in my account on Coinbase are all my fortunes. Thus, I ca n't even pay for the rent and other bills. 

I know I 'm not supposed to include personal information, but since it 's an EMERGENCY that has to be resolved as soon as possible. I 'm including my info here. 

My case ID : XXXX, XXXX ( I submitted 2 tickets since they have never resolved the problem. ) My email address : XXXX My name : XXXX XXXX My phone number : 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request the Free Annual Credit Report online to TransUnion and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.
Product: Credit reporting or other personal consumer reports

( For History, please refer to closed complaint : XXXX Opened on XX/XX/XXXX Closed on XX/XX/XXXX ) On XXXX, I received a letter from CFPB that XXXX had resolved the dispute with monetary relief. My XXXX Statement from XXXX was all zeroed out. I was credited for the amount listed as late payment On XX/XX/XXXX Experian Credit Report, everything else regarding XXXX account is resolved except : XXXX card status is listed as Negative because late payment for month of XX/XX/XXXX still appears Report says, By XX/XX/XXXX, this account is scheduled to go to a positive status I complained to Experian, and they responded that the matter had been resolved, however it has not. The XXXX, XXXX report still lists the late payment and that it will be resolved by XXXX/XXXX. 
Experian ( Credit Reporting Agency ) is not in compliance with the FCRA. The account status needs to reflect that there were NO late payments because the balance listed was XXXX error. XXXX acknowledged this in a letter to me on XXXX XXXX This should not be affecting my credit because it was an error they acknowledged and corrected. 
My credit report needs to reflect this NOW, not XXXX. 

FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) specifically requires that the Notice of Results of Reinvestigation, which must be sent within 5 business days after conclusion of the 30-day reinvestigation period, must include as part of its content a revised copy of your credit report showing that they have actually entered the correction/deletion into your file/report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry dates XX/XX/2020 still appears on credit report more than 2 years after the inquiry.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT CHARGES THAT ARE A REPRESENTATION OF IDENTITY THEFT FROM MY CREDIT REPORT.
Product: Debt collection

I am unaware of this debt. I did not have an oppertunity to dispute this information if in fact you believe you gave proper notification then please send me the certified receipt with my name and signature on it stating that i received it.
Product: Mortgage

The mortgage servicer SETERUS , Inc. isn't following the Mortgage servicing rules. 
I always make my payments on time. Please verify my records. 

According to my bank ( XXXX XXXX XXXX XXXX ), SETERUS, Inc. always cashes my checks between the XXXX  and XXXX day of each month. 

However, on XX/XX/2018 SETERUS sent an offer to reduce fees owed. The letter states that my account is in good standing but I owe {$1000.00} in unpaid late fees. 

I believe that SETERUS, Inc. is committing fraud because I have never been late with my payments. 

Enclosed is a copy of a letter received from SETERUS, Inc. that was sent to me. 

Sincerely, XXXX XXXX