23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
Product: Bank account or service

Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.
Product: Checking or savings account

I called the phone number listed on my XXXX XXXX XXXX : XXXX minimum six times between late XX/XX/XXXX and XX/XX/XXXX. I tried several ways to get a live rep. One was hit # 3 On my phone-Lost or Stolen. Another was hit 0. Got no one. Recorded message : " We are having a higher volume than usual. Please try to call back later. '' the other : Sorry, We are having technical problems. 

XXXX XX/XX/XXXX, my XXXX debit card was stolen on a bus at the Downtown XXXX bus station. The thief used that card for five transactions in three places.He/ she spent {$68.00} on my card. Also stolen was my XXXX XXXX XXXX on which direct Social Security payments are loaded automatically each month. That day, I called the direct number to report a card stolen and got no one live to talk to, nor a message giving instructions what to do to cancel the card. After 69 minutes, I got hung up on. 

This is serious. Not only has the thief probably been using the XXXX XXXX MasterCard, my roommate may also be using it. He does not have the card. He has all the info needed to make purchases online or by phone. In XX/XX/XXXX, I gave him that info to pay a past due phone bill. The only time I got someone live was putting in XXXX. A lady said, " Comerica Bank. '' A rep said Comerica Bank did not handle transactions on XXXX XXXX cards.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX 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!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

On XX/XX/XXXX I sent a check via online bill pay from Bank of America of {$25000.00} to the internal revenue service. I received A confirmation Number and was under the impression the check would be sent. XXXX year later I was told by the IRS that the check was never received and I was charged a significant penalty. When I question the bank, at first they had no idea what happened. Then they told me that the check was sent to the wrong address and the money was returned to my checking account. They said they sent me a notice which I never received. I contacted them on XX/XX/XXXX of XXXX about this. They sent me the notice that they apparently sent me which was dated XX/XX/XXXX. This makes no sense sense I did not make the complaint until 11 days later. When I asked them for the return check, they said it was destroyed. When I asked them for the process of how they came about investigating, they would not provide it. I am now being charged over {$2500.00} in penalties which they will not compensate me for. When I ask him what I did wrong and how I can correct this in the future, they said they don't recommend using online bill pay and that whenever I customer uses that service they are using it at their own risk. I was supposed to get a return phone call yesterday, it never occurred. Many of the customer service agents I spoke to were ill informed about Company processes and many were also very customer unfriendly. Not sure why they destroyed the check since that was evidence. And there is not any evidence that money was ever removed from my account and then replaced back. I do have a confirmation number that the check was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within XXXX business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXXXXXX - XXXX Your agency is in violation! 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this at once! 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I recently noticed an account my Transunion consumer report that I do not recognize. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give Transunion a written or verbal consent to report this inaccuracy on my credit report.

This is a violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports which therefore is another violation.
Product: Debt collection

I have no idea who this company is, they keep calling & harassing me without leaving a voicemail & they havent sent anything to the house. I do not have to answer my phone if I choose not to especially if they havent sent anything to my address nor left a voicemail. This is a violation of the FDCPA. Here are the following ways that they have done so Disclosure verification of debt The agency fails to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days. 

Excessive phone calls The collection agency makes several calls a day, and sometimes several calls in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Equifax requesting a PIN so I could have the Security Freeze on my account lifted. Per their instruction I included copies of my Birth Certificate and Driver 's License. 
I was to receive the PIN in 7 - 10 business days. This did not occur, and I have had no reply from the company. 
Today, XX/XX/2018, I am sending them another letter. 
Until I get the Freeze lifted I am unable to open a new credit account with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both names on my Equifax report are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to Equifax, XXXX, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( 3 ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, Equifax, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, Equifax, XXXX, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

Equifax, XXXX, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

Equifax, XXXX, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.
Product: Debt collection

JP Morgan Chase Bank has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to XXXX XXXX, XXXX. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of XXXX compliance. 

see the attached letter for further details.
Product: Checking or savings account

someone stole my check out of mail and attempted to cash it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My debt situation is here with Apex Finance here in XXXX, Ga., I do admit I 've fallen behind in payments due to a financial crisis in the last year do to lack of income and divorce proceedings. When I got the loan my soon to be ex-husband abandoned us leaving debt which I had to cover and open up utilities in my yet pay his off before doing so on limited income. Therefore leaving me no choice but to apply for hardship with Apex Finance where my payments went from {$75.00} a month to half the amount being {$37.00} to be paid on the XXXX of each month. Yesterday on XXXX an agent approached my door that afternoon to collect unannounced and said she was sent by her boss XXXX to get a payment. I live in a XXXXwhere XXXX is vacant therefore she preceded to ask if I were moving. No response. Than she said while looking back I saw the for rent sign there still no response, cause I 'm thinking why would that concern you you 're here to collect. So she told eventually she came for a payment. I said I 'll call and talk to XXXX about my situation, that was n't enough so she offered her phone so O could tak in front of her, ( harassment with no respect or privacy ). Once the cal was proceeded another agent answered, she handed me her phone she 's come to my house very unprofessional and very loud spoken where she intentionally would disturb the neighbors. In all this, the conversation she began asking where did my money go I just got this month? To go back, I 'm the overseer for my son 's XXXX okay? At that time she put her boss ( XXXX ) on the whom I already asked to speak with in the beginning.Things went sour from therefore he went unprofessional, ghetto, dominant, threats of coming to get some collateral you name it. Spoke of threatening to take my hardship away and give to someone else because he felt like I was abusing it. He said I know you have plenty because you 're divorced, and a son ( my ex have no kids together ) how do you pay your other bills?, Cable is not a necessity but I know you have it! My response '' no I do not. Then he proceeded to say, well where 's my property? If you do n't come in and pay me Friday I will personally come get it and sell it in my office! Do whatever you can to get me my money by that day! I 'm tired of sending my agents to you, it 's costing me and my company money for mileage just do what I told you! I told him he 's in my personal business, this is suppose to be strictly about business. Why are you so aggressive in speaking to me like this? He said because I told him he 's getting too personal. I then said I 'm not your child nor are you my slaverowner and do n't address me in that matter again, have a nice day. Then handed her phone back.
Product: Credit reporting or other personal consumer reports

Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process
Product: Payday loan, title loan, or personal loan

For this loan I was told I had to call to make sure they charged me the right amount so I would pay off the full amount on time. On the second to last payment I called and was told that the two payments were all set and they would be done automatically, and there was no need to call the upcoming month. I was told to just make sure the last payment was taken out of my card. That last month I checked my bank statement and the last payment for this lone had been done. I was surprised when a month later the company reached out and said I owed them {$7000.00} because a balance of {$20.00} had not been paid. I tried to come to an agreement with them since this had been their mistake, they told me they could reduce that balance to {$2000.00}. We insisted that this was their mistake and we did not need to pay this. They said there was a recording where they informed me that there would be a small balance after the last payment but I dont recall this and they refused to show me the recording. And since then they have taken out about four payment of {$76.00} from my account without my consent.
Product: Debt collection

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. acct # XXXX
Product: Credit card or prepaid card

Yes I purchase a NetSpend card on XXXX XXXX XXXX XXXX in Oregon of XXXX on XXXX XXXX and XXXX and it was already activated what it opened up the box and it would not reimburse me I have a card with {$500.00} that I never got to activate the card with because it was already pre-activated I don't need somebody else 's name and they never reimburse me for it and I got arrested because I went in there and raise XXXX to get my refund and it would not refund me and call the cops on me because it was inside somebody else 's name when I opened up the box of the NetSpend and I went to activate it and he said no it's already activated said somebody else 's name you're not the card holder and I want this incident paid for in reimbursement I never got the money from that card at all I got {$500.00} on that card and I can't activate it or get anything even the car company itself blocked at NetSpend did
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to express my extreme dissatisfaction with the presence of erroneous account and information on my credit file, and to demand that they be corrected immediately. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to the fullest extent of the law. It is completely unacceptable that the Credit Bureaus has allowed inaccurate and false information to appear on my credit report, damaging my credit score and potentially affecting my ability to obtain credit or other financial services. Despite my repeated attempts to have these errors corrected, the Credit Bureaus have failed to take action, causing me significant frustration and inconvenience. I need the Credit Bureaus to immediately correct the account off of my Credit File : I demand that the Credit Bureaus immediately remove all erroneous account and information from my credit file, and take all necessary steps to ensure that they do not reappear in the future : XXXX XXXX Balance Owed : {$0.00}.