23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I left XXXX long time and went back in XX/XX/XXXX just to come to know that my Citibank Credit Card Ending in XXXX was on my credit bureaus ( known as XXXX in XXXX ) as negative and I have to pay around XXXX ( {$790.00} ) to get it off from my account, after several calls to Citibank I was able to get hold of their manager XXXX XXXX XXXX on phone number XXXX XXXX XXXX, and he assured me that the account will be taken care of and asked me to file a police report on fraudulent charges, which I did, he took around 6 months to reply to me and came back with an answer on XX/XX/XXXX, and he said nothing can be done and I would have to pay the money, so I asked what about the police report, and they said police report will not be considered. 
Frustrated, I filed a complaint on Consumer Financial Protection Bureau, and I got an email from Exective office of XXXX XXXX XXXX ( Phone no. XXXX ), I spoke with him and he asked me to file a police report on lost of credit card and loss of XXXX XXXX, I did the same and after a long period of time he came back to me in the Month of XX/XX/XXXX and said I would have to pay the entire amount due and nothing can be done about it. so this clearly states how these banks are doing robbery in XXXX, I have filed a police report and they are even not considering that?
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX  XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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.
Product: Debt collection

According to the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it can be presumed that if there is no proof of the alleged debt, then no such debt exists. 

this account needs to be removed and deleted from my consumer report LVNV FUNDING LLC Account # XXXX
Product: Credit card or prepaid card

I applied to the below offer from American express on XX/XX/2020 https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX it is for a welcome bonus for {$250.00} if you spend a certain threshold. I was approved when i applied and then got to spend all the minimum amount that was requested in the time that was given by the card provider. 

I checked upon the bonus status with American express on a regular basis and was told that I was eligible to the offer and should expect it upon the closing of my statement. 

here is the catch, the disclosures are very wrong. once i completed my portion of the offer, i was told i was not eligible simply because i had been offered the same reward in the past years. 

I was never communicated this information but what is the most troubling is that for the very least it is an abusive practice and it is misguiding to the customer. 

They did not reject my application when i applied to the offer and let me spend all the amount they wanted to get the bonus and then announced that i was not eligible like many FI in this situation, they should have simply rejected my application if I was not eligible, instead of approving and then not accepting to pay the rewards that were promised.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I have 1 late payment on an account I was never late for. The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account listed in the screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide statements showing that this payment was late. If proof can not be provided, I demand this late payment be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks, please see screenshots attached :
Product: Student loan

XXXX Account Number XXXX Balance {$1300.00} XXXX Account Number XXXX Balance {$6100.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$6500.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$4500.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RETIRED RETIRED XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} -Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - Collection XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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: Debt collection

Referenced account is not in collections for XXXX XXXX XXXX XXXX XXXX and the agency of McCarthy, Burgess, & Wolff is not licensed to collect a debt in my state. I visited the website and entered a reference number that was left on a voice and the records were not found in their system. I believe it may be a revenge tactic for my business receiving a recent trademark registration. Or, Imposters/hackers were trying to steal my business credentials and certifications and company website, and line of credit.
Product: Mortgage

I 've had many issues with Franklin American Mortgage company. However my chief complaint with them and reason for coming to the cfpb, is the fact that they sent an inspector out to my home after I had become delinquent on some payments and that inspector took it upon themselves to turn off my water. Once that inspector turned off my water without my knowledge, the boiler that runs on gas proceeded to still run and the gas burned up my boiler. Now my boiler caused a small fire in my home and that fire has ruined my boiler. When I called the mortgage company and asked them what they sent an inspector to my home for, they said that it was because I was delinquent on payments. But at the same time I had also already supplied them with XXXX applications for short sale / deed-in-lieu of foreclosure documents. I have been working with the company since approximately XXXX of 2016 trying to get a short sale or deed-in-lieu of foreclosure started. However I got nothing but the runaround for almost the entire process and it took an entire month to just get them to send the application to me. After the application was sent to me the first time it was processed but they never sent me any notification that they required additional documentation so they just closed out the application. The next time I started the application over they actually lost the documentation and now I 'm in the third time of having to send them the application. When I asked to elevate it to a supervisor, the supervisor gave me an incorrect extension and fax number for them. Luckily and thankfully the VA that also is in charge of my loan, called me and they are now assisting me with getting the correct documentation over to the subservicing company. However at this current time I am over {$9000.00} delinquent and I feel that that amount would be much less if they would have just aproved the initial short sale or deed-in-lieu of foreclosure documents. And on top of it all, I understand that I am delinquent on payments, however I feel that they should not harass me by calling every evening after XXXX finally after telling the VA all of this, they suggested that I contact the cfpb with a complaint and ask the cfpb to assist in getting the mortgage company to purchase a new boiler for the home in question. My insurance will not cover it because the XXXX person who dealt with the boiler on fire, would not provide a more detailed statement due to liability issues. I would like to thank you in advance for reviewing this complaint and I look forward to hearing from someone regarding this.
Product: Debt collection

XXXX XXXX  XXXX called about an XXXX CC account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing for the longest as well calling the agencies without getting anything resolved
Product: Debt collection

On XX/XX/2022, a XXXX wireless service was canceled over the phone. The customer service representative told would send the bill to pay any final balance on the account. 

On XX/XX/2022, according to the letter received from Covergent Outsourcing , Inc. from XXXX, WA. sent a collection letter for the canceled account from XXXX. 

I am writing because XXXX never informed me that the account would be forwarded to the collection and never attempted to collect the bill before sending the account to collections. They canceled the service, and five days later, the account was sent to collections without any information. 

The balance was paid on XX/XX/2022. I am just upset about the procedure by XXXX  by sending to collection my account without any notification.
Product: Mortgage

I want the extortionists to pay {$250000.00} payoff expiring on XX/XX/2019 from {$620000.00} payments to principal
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.

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

This is my XXXX 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 XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, 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

Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.
Product: Student loan

With Mohela have XXXX loans, a Direct Unsubsidized Loan in which my monthly payment is {$21.00}, another Direct Unsubsidized Loan in which my monthly payment is {$130.00}, and a Direct Grad PLUS loan in which my monthly payment is {$270.00}. My total monthly bill is {$430.00} I applied for an IDR Plan Request on XX/XX/XXXX and applied for general forbearance on XX/XX/XXXX. I also uploaded tax and income documents to Mohela on its website. It is now Friday XX/XX/XXXX, and my next loan payment is due on Sunday, XX/XX/XXXX. 

I paid my XXXX bill of {$410.00} on XX/XX/XXXX, and am now going to have to make my XXXX payment before any meaningful update at all on my status from Mohela. In total, I will have been charged {$840.00} in total without any update or assistance. 

I attempted to call more than once so that I could expedite an administrative and/or processing forbearance ( despite requesting one over a month prior ) while my IDR request is still being considered. 

During the first call, the Mohela automated customer service agent couldn't verify my account based on my Social Security number, which I am positive is correct, as I verified more than once. As I had to begin work, I had to give up the attempt at calling. 

The second call was made today, Friday XX/XX/XXXX, the chance at speaking to a human before my next payment was due. My social security number was still unable to be verified, and my account number took XXXX attempts ( once more, I am positive the numbers were correct ). After finally getting past this stage, I was placed on hold for around 2 hours until the company 's business hours were up. 

In summary, I applied for forbearance as I requested an IDR. Over a month later, I have received no meaningful update, and will be forced to make a second payment, leading my total to be over {$800.00}. All attempts to reach Mohela customer service via phone were futile through no fault of my own, but rather the company 's mismanagement of Hold Times and automated systems. I am in a financial situation where paying this amount of money would compromise my financial well being in a crucial way.
Product: Money transfer, virtual currency, or money service

This is in regard to my Coinbase account. Once again, I have been rendered disabled from my Coinbase account where I can not do any trading, buying, selling or transferring money from my account to Coinbase ; and I have tried numerous times, and I have followed all of Coinbase 's instructions and complaint. This has been going on for several days. I have over {$44000.00} locked in this account where it remains completely frozen. I have been given codes to give to Coinbase, a direct line. My codes have been XXXX and another code has been XXXX, and I have had an authenticator code XXXX ; and my most recent discussion about my account was speaking to a lady named XXXX at XXXX XXXX on XX/XX/2023, namely on XXXXXXXX XXXX XXXX. I am spending my XXXX 's XXXX where I should be relaxing. I am getting stressed over my Coinbase account. The last time this happened, I requested your services ; and within 24-48 hours, I was miraculously reinstated, whereas before I was out of the account for more than three months. I need your assistance. The account that they use for Coinbase is based on my email address which is XXXX and my cell phone is ( XXXX ) XXXX and my home address is XXXX XXXX XXXX, XXXX, NY XXXX. Please assist me, and Coinbase has also been charging me {$20.00} a month to have 24-hour access and not to be charged for any transactions ; however, this has not been the case. I need a credit for the payments that I made with no service being given. Once again, Coinbase has rendered poor quality service on a continuous basis, and they should be admonished for this. Please assist me in any way you can, and please expedite my account.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I have contacted the credit bureau ( experian ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General ( attached here ). These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my transunion and XXXX report as they are aware these don't belong to me. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX XXXX XXXX opened on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts Due to Inaccuracies FCRA Section 605B Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX