23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Back in XXXX of XXXX  XXXX  closed my account and transferred my funds ( {$1100.00} ) to the XXXX  XXXX XXXX XXXX. I spent 3 months trying to get their assistance in locating my funds, but they refused to assist, aside from repeating that they had transferred the funds and it was no longer their issue. 
I consistently checked with the XXXX  XXXX XXXX department via their website, but my funds never showed up there. 
In XXXX I finally got in touch with someone at the XXXX XXXX who was able to locate my funds. They said the funds had not be sent through with sufficient details to tag them to me automatically. 
I then started the process to reclaim my funds, but due to the lacking details sent by XXXX  the XXXX XXXX XXXX  requires a final statement from XXXX  that matches my personal details, as well as the account ID and total dollar amount. 
XXXX  had sent me an automated email with a final statement, but the statement was a simple csv without any markers to indicate that it was an official document. 
I subsequently reached out to XXXXPaypal help-desk on XX/XX/XXXX for support in getting an official final statement. They never responded. 
I then created a ticket via their official help-desk site, but the ticket was closed as " solved '' without any follow-up. 

I previously lodged a complaint with the XXXX  regarding XXXX XXXX reluctance to assist me in locating or retrieving the funds that they sent away. I have to wonder whether their refusal to even acknowledge my requests is a form of retaliation for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment XXXX XXXX XXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. XXXX XXXX moved their auto loan payment system from XXXX  to XXXX. I was under the expectation that it would be a seamless transition, as told to me by phone call to XXXX XXXX customer care. Instead I realized I had to set up a new account on a different website. This is due to XXXX XXXX error. Had perfect payment history with XXXX XXXX before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the XXXX XXXX XXXX XXXX site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.
Product: Student loan

On or about XX/XX/XXXX, FEMA ( and the state of California ) declared a MAJOR DISASTER for the California Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides ( XXXX ), which greatly affected both my residence and my employment from the approximate dates of XX/XX/XXXX - XX/XX/XXXX. In requesting a Natural Disaster forbearance be applied to my Firstmark Services serviced private student loans for said declared disaster ( affecting much of California, notably XXXX XXXX XXXX where I reside & work as XXXX XXXX XXXX XXXX ), I have been repeatedly accosted and denied this ( and previous ) Natural Disaster forbearances by the company -- meriting urgent assistance and remediation herein. 

In previous interactions with Firstmark Services, I have advised senior management that as a XXXX XXXX XXXX XXXX XXXX, I often relocate temporarily due to current assignments, and private duty cases which I opt to employ, under my own XXXX XXXX XXXX XXXX  ). In said interactions, First Mark Services has refused to assist me in this matter and neglected my requests to explain my matters to senior Management, and has instead opted to deny my requests for this ( and prior ) Natural Disaster forbearances, threaten me with unfounded diatribe & a default of my loans, and have ( in XXXX ) arbitrarily removed already-placed forbearances due to their own negligence and " errors '', while continuing to accost and threaten me with letters sent via email from First Mark Representative XXXX XXXX XXXX XXXX XXXX with none of her contact information provided -- further ailing the severely affected Borrower ( myself ) as a result of said Natural Disasters. 

At this time, I kindly request urgent and immediate contact from First Mark Services Senior Executive Management, to ensure the placement of my First Mark Services serviced loans on a Natural Disaster forbearance to cover the allotted 90-day Forbearance as allowed by law, for the California Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides ( XXXX ). Kindly ensure that I am contacted immediately to facilitate this matter 's full, fair and final resolution -- prior to engaging further Consumer and Civil action to ensure the placement of this Natural Disaster Forbearance as previously advised. 

Thank you kindly in advance for your urgent attention to this profoundly distressing matter, and I look forward to a full and immediate resolution expediently.
Product: Credit reporting or other personal consumer reports

I do not recognized and authorized these accounts : XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX JPMCB CARD. XXXX XXXX XXXX XX/XX/XXXX JPMCB CARD. XXXX XXXX XXXX XX/XX/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  I only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXXXXXX ) ( 2 ) XXXX XXXX XXXX XXXX ) ( 3 ) XXXX XXXX ( XXXXXXXX  ) ( 4 ) XXXX XXXX ( XXXXXXXX ) ( 5 ) XXXX ( XXXXXXXX  )
Product: Debt collection

Dear CFPB, I am filing this complaint against Portfolio Recovery for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c regarding improper communication practices. 

Details of the Violation 1. Improper Contact at My Workplace : Portfolio Recovery has repeatedly called my workplace seeking payment for a debt, despite my employers policies prohibiting such communication. Under 15 U.S.C. 1692c ( a ) ( 3 ), debt collectors are prohibited from contacting consumers at their place of employment if they have reason to know such communication is not allowed. 
2. Continued Communication After Notice : Despite my verbal notification that the debt they are inquiring about is not mine, Portfolio Recovery has continued to contact me, creating unnecessary stress and disruption at my workplace. 

Evidence Attached To support my claims, I have included the following : A record of the calls made to my workplace, including dates and times. 
Statements from colleagues or supervisors confirming these calls and their impact. 
Any other correspondence demonstrating the debt collectors repeated contact despite being informed of the issue. 

Request for Relief I request that the CFPB investigate this matter thoroughly and take appropriate enforcement actions against Portfolio Recovery for these violations. Specifically, I ask that : The debt collector cease all communication with me at my workplace. 
Appropriate penalties be imposed for violating the FDCPA. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB Complaint # XXXX dated XX/XX/XXXX wherein Equifax responded that I " did not list any specific items '' in my dispute. IF Equifax looked at my file on their own website, they would see that on XX/XX/XXXX I filed an online dispute which clearly laid out the two addresses I want removed from my file -- XXXX XXXX XXXX, XXXX, MI and XXXX XXXX XXXX, XXXX, GA. These same addresses have been disputed since XX/XX/XXXX as I have NEVER lived at either address and never even visited Michigan in my life. I have received AT LEAST four written confirmations from Equifax that they have been removed ( Confirmation # 's XXXX, XXXX, XXXX, XXXX ) but as you can see on the latest Credit File I received on XX/XX/XXXX, ( Confirmation # XXXX ), they are still on my file! This confirmation has a notation next to each address which says " Reported XX/XX/XXXX. '' I have no idea what this means -- are you saying that a CREDITOR has reported that this is an accurate address for me?? If so, then I have the legal right to know who is reporting this. I have two more online complaints asking that these two addresses be removed and Equifax has sent me two emails confirming that my dispute has been resolved, but I CA N'T ACCESS the Equifax Dispute Portal because Equifax uses incorrect financial data to verify my identity! ( That will be addressed in another complaint. ) Those two Confirmation # 's are XXXX and XXXX. I do not know what the resolution is because I ca n't access the Equifax Dispute Portal, but expect that it is again confirming that Equifax has removed the two bogus addresses from my file.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

As I was checking, my annual free credit report, I noticed that an account ( XXXX XXXX ) was reporting as Dispute resolved reported by grantor. It still shows the account balance of {$900.00} instead of {$0.00}, which is the true balance. I called today ( XX/XX/XXXX ) and talked with a representative about this issue. I was assured in XX/XX/XXXXXXXX XXXX this account was settled, however representative states it will take the company 7-10 years to report this to the credit bureau . This is unfair and unjust, is this the law? Ive talked with each credit reporting bureau and each one gave different answers. May we resolve this issue sooner than later, as it may be preventing me from buying a home. Thank you kindly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am not responsible for this debt.
Product: Consumer Loan

I purchased a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX of XXXX ( at the address : XXXX XXXX XXXX, XXXX, VA XXXX ). After trying a few different ways to deceive me, the dealership finally managed to charge me {$500.00} more than the price we had agreed, through a well-played bait and switch strategy. They first gave me a higher price than what they 'd quoted on the phone. Once we settled on the price, they gave me a financing offer that was XXXX of what I was getting from a direct dealer ( with my XXXX FICO score ). They kept me and my then XXXX old baby waiting around for XXXX hours ( kept saying " they were taking care of us '' ) as we were negotiating on the price/financing and waiting for the car. When we finally reached an agreement and all papers were ready, it was late in the evening. I had my XXXX old infant with me, who was exhausted, sleepy and screaming and hence did not examine the final documents as well as I should have - which is how they got me. They showed me {$30000.00} as the out-the-door ( all in ) price written on a piece of paper ( which they then carefully collected ). I agreed to that price and made a down payment of {$2000.00} via check, which meant my loan amount should have been {$28000.00}. In a few weeks I got my financing papers in the mail and saw the loan was in the amount of {$28000.00}, {$500.00} more that what I was promised. 

After several email and in-person conversations, the dealership accepted this was a mistake and that they would make it right. I stopped by the dealership on XX/XX/XXXX, as per their request. The finance manager XXXX XXXX apologized, and made me sign a paper that said I was due a refund of {$500.00}, which I should expect in XXXX weeks. They did not give me a copy of this paper. It has been XXXX months since then. I have not received a refund, nor was I proactively contacted by anybody. 

On XX/XX/XXXX, I contacted the sales associate, XXXX XXXX XXXX and received this note : '' Dear XXXX, I completely understand why you would be outraged by now. The inexcusable failure to refund your {$500.00} with interest is just XXXX of several similar incidents of customer abuse that have prompted me to terminate my relationship with a disreputable dealership and move on. My suggestion at this point would be that you contact XXXX XXXX XXXX XXXX XXXX directly, if you have not already done so. Your situation is totally inconsistent with XXXX standards of conduct and it will not be tolerated. I 'm so sorry that you were a victim of unscrupulous business practices by XXXX XXXX, and I hope you obtain redress. XXXX, XXXX XXXX ''. 

I contacted XXXX management later and received below response on XX/XX/XXXX that this is related to the dealership and they will not take any action. In the meantime the sales associate ( XXXX XXXX ), the finance manager ( XXXX XXXX ) and the general manager ( XXXX ) that had worked on my loan all left the dealership and now there is nobody there with a memory of the deception I 'd been subject to and the intention to make it right. I also have zero confidence that they will take any positive action in the matter.
Product: Prepaid card

I received a prepaid debit card from Citi bank as a reward from XXXX XXXX XXXX. I have tried using the debit card and was unable to verify my balance for an extensive amount of time. When finally getting the card reactivated I was informed that I incurred service fees on the account while it was deactivated.
Product: Credit card or prepaid card

On XX/XX/25 I received an email indicating my credit card at BOA was closed on XX/XX/25, without any advance notice. Additionally the same day of notice XX/XX/25 I could no longer sign into my account on the merchants website. 
Due to COVID19 I have not being using the credit as that would increase debit which has a high level of risk during the pandemic as we all have risk of job loss.

BOA decides to close the account for non-usage and now that will impact my credit report and my credit score. I pride myself to maintain XXXX debt and an exceptional credit score over XXXX. However, now Im at risk due to BOAs decision to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in a security breach, and I am a potential victim according to XXXX. Ridiculous that a company that handles extremely sensitive information can be so careless. The fact that I have to pay to freeze my credit is XXXX, I did not cause this so why do I have to foot the bill? It may only be a few dollars, but Equifax is making millions off consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

SOMEONE HACKED INTO MY AMAZON CREDIT CARD AND THIS COMPLAINT CONCERNS SYNCHRONY BANK, THE HOLDER OF THE CREDIT CARD. THIS CARD WAS HACKED FOR 4 MONTHS WITH A TOTAL OF {$16.00} PER MONTH. I HAD TO CALL THE BANK 5 TIMES TO GET SOMEONE WHO KNEW HOW TO DISPUTE THE PROBLEM AND WOULD FIX THE PROBLEM THE PEOPLE I TALKED TO ARE AS FOLLOWS AT SYNCHRONY BANK. XXXX, XXXX, XXXX AND XXXX. THREE OF THESE WERE IN A FOREIGN COMPANY AND HAD NOT IDEA HOW TO FIX THE PROBLEM AND MOST COULD NOT UNDERSTAND WHAT IS WAS TRYING TO GET DONE. XXXX SAID HE WOULD DISPUTE THE CHARGES AND I CANCELED THE CARD. AMAZON SUSPENDED THE CARD AS WELL. THIS BANK HAS HAD YEARS OF ABUSE TO CUSTOMERS AND PLAYING DUMB, OR THEY SIMPLY ARE AND EVERY CORPORATION THAT USES THIS BANK KNOWS THAT THEY ARE MOSTLY IN THE XXXX WHERE THIS KIND OF FRAUD AND HACKING IS RAMPANT YET THEY REFUSE TO DO ANYTHING ABOUT HIRING THESE CORRUPT BANKING INSTITUTIONS. I WOULD LIKE THESE PEOPLE INVESTIGATED AND AMAZON IS ALSO VERY VERY CORRUPT AND ONE OF THEIR PEOPLE COULD HAVE USED THE CARD AS WELL. I DO NOT KNOW IF THE CHARGES HAVE COME OFF, BUT IS SUSPECT THEY WILL FIND A WAY TO NOT REFUND THE FRAUD CHARGES AND THIS IS NOT THE FIRST TIME THAT IT HAS HAPPENED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX FCU - XXXXXXXXXXXXX*** XXXX - XXXX XXXX  amp XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX/XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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.