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

Id tried to transfer a specific amount and never got it transferred and the funds are missing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

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

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

To whom it may concern, you are reporting inaccurate information on my consumer report. Per section 15 usc 1681g, you have not provided me with adequately information and thus is a violation or my rights. This account is also reporting as a charge off/collection but is still reporting a balance. That is inaccurate and I demand this entire account be deleted from my consumer report.
Product: Debt collection

Citibank held XXXX of my accounts that were both sold to XXXX XXXX Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). XXXX XXXX assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( XXXX ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than XXXX times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, XXXX of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included
Product: Debt collection

I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX  AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.
Product: Debt collection

The debt is over XXXX XXXX XXXX and keeps getting sold off to others credit companies. Plus when we refinanced they were paid off.
Product: Checking or savings account

On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit inquires from XXXX XXXX of Texas and I haven't applied for any loans or any credit applications. I only opened a savings account and nowhere did it mention that my credit was going to be ran or used for the savings accounts.
Product: Credit reporting or other personal consumer reports

On XXXX, XX/XX/year>, a criminal gained access to my Experian credit report and online account without my consent. The criminal then changed my contact information on the account ( phone, email, etc. ), which means that I am no longer able to access the account. The criminal also removed the security freeze on my account, which allowed the criminal to begin applying for credit under my name. In my educated opinion, Experian enabled this to happen. 

It is my opinion that Experian illegally allowed this criminal to access my account ( and thus my credit report ). I have multi-factor authentication enabled on my Experian account. This means that the criminal would have needed both my password and phone to access my account. However, I never received an authentication code on my phone, which means the criminal must not have entered my password correctly. In my educated opinion, I only see XXXX possible ways that the criminal could have accessed my account : XXXX ) the criminal was working from within Experian ( ex : an Experian employee ) ; XXXX ) the criminal coerced an Experian employee to reset my online account over the phone ; or XXXX ) the criminal exploited a flaw in Experian 's security controls. All three of these possibilities would be Experian 's fault, and Experian should be held responsible for my troubles. 

It has now been more than XXXX days since this incident occurred, and I still have not gained access to my Experian online account. I have been constantly calling Experian seeking help, but I just get passed through automated systems. I have not been able to speak to an Experian employee, even though the Experian website says they have people available between XXXX and XXXX. Every time I call, the automated system tells me to reset my password online, but I can not do this since the criminal was able to change my contact information. 

This is unacceptable. It has been more than XXXX days since a criminal illegally gained access to my credit report. In my educated opinion, it is Experian 's fault. As soon as I can get this resolved, I will be exploring options for legal recourse against Experian.
Product: Checking or savings account

I went to a XXXX to make a purchase and my card was declined. The team member said I could pay cash and I just paid in cash. I saw the amount charged to my card when I checked my account the next day. I called up the store and the associate said that it was an error and it would fall off in a few days. It never did. 
I filed a claim thinking that it would be obvious that there was a mistake, but the claim ended up being reversed after the initial courtesy credit. I've reached out to XXXX for assistance but was told to contact my financial institution which puts me in a conundrum. Just wish the bank would do more due diligence or there end. Aside from that I have no complaints about Wells Fargo and will just use my credit card next time I make a big purchase.
Product: Debt collection

I had a payment plan that was automatically deducted every month and was paid in full. But I am not getting debt collectors calling and mailing that it is still owed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Credit report are to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and  retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX
Product: Mortgage

On XX/XX/2019 I called the mortgage company to ask what I needed to do, and what amount I needed to pay to have my PMI taken off. I was told to submit a request in writing, which I did.I then called them on XX/XX/XXXX to check on the status and was told that my question was at the PMI department. I had the money at the time to pay down the mortgage to what ever their requirement was. I was sent a letter two weeks later stating that I did not meet the loan to value requirement. No kidding, I know this. When initially had called I asked specifically what that dollar amount was. They could not tell me. In XXXX I called again to ask the same question. I was told that once I met 80 percent of the load to value the PMI would come off. It would show on my XXXX statement but not my XXXX statement that had a due date of XX/XX/XXXX. My XXXX statement still showed the PMI. The next day right around XX/XX/XXXX I receive a letter stating that while I meet the loan to value ratio I need to send them a check for XXXX dollars to have a BPO to insure that the value of my home has not gone down. I mailed them a check which cleared on XX/XX/XXXX. I called again on XX/XX/XXXX to inquire where we were at with the BPO. It had not been ordered until XX/XX/XXXX. I was then told that the matter was escalated and that someone should call me by Tuesday XX/XX/XXXX. I received an e mail stating that someone should call me in the next three business day. These dates have come and gone. I have been calling repeatedly to find out what I have to do to drop the PMI. I have been told something different every time I call even though I am supposedly speaking to a supervisor. They in turn file with the PMI department who sends me a letter two weeks after the fact thus ensuring I have to pay ANOTHER months PMI. I still have heard nothing concerning what the BPO stated and I am now at 78 percent of the loan to value. They have repeatedly stalled and not given me the information I have been asking for. I could have paid the load down the 78 percent in XXXX if I had been told that this was the best way to do it. The way i see it I am out four months worth of PMI XXXX and the XXXX that i sent for the BPO and I still have not received any information stating what exactly I need to do.
Product: Money transfer, virtual currency, or money service

I use XXXX with my Wells Fargo Bank account. Would like to add my Complaint that at the beginning a confirmation disclaimer was never in place when sending money.
Product: Money transfer, virtual currency, or money service

I use a service called " Coinbase '' to buy and sell digital currency. I have roughly {$5000.00} USD with this 3rd party and have had an unacceptable experience with their customer service.

Just over a month ago, my cellphone was stolen and so I had Coinbase freeze my account fearing unauthorized access to my funds. I have called and emailed Coinbase numerous times to resolve this issue and each and every time they give me vague reassurance that they will unlock my account eventually. Apparently this needs the attention of a specialist who evidently needs more than 1 month to click through a few links and unfreeze my assets. 

This customer service is unacceptable and even borderline criminal as my investments have declined in value and I have been locked out of making trades to protect myself. 

I want to put this issue forward with the CFPB in an attempt to warn others from this service. Hopefully this will also draw attention to their customer service shortcomings and give their clients the respect they deserve!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bad year with my health and the car loan that was due I was in the hos [ pital then I had a XXXX XXXX I called the XXXX XXXX and told them to pick up the car then the last time I made ther payment it was for {$800.00} dollars and that paid off the car then they did not give me a clear titel to m7y car. I will never use XXXX XXXX XXXX XXXX for anything again. I asked them to pick the car up they would not when i could not make payments so In my heart I dont think they have the right to put the missed payments on my recored I paid it off in full even when I could XXXX XXXX XXXX XXXX the car XXXX XXXX
Product: Credit reporting or other personal consumer reports

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on XXXX ; Equifax and XXXX Item Number Company Name Account Number Comments 1. XXXX  XXXX XXXX Charge Off 2. XXXX  XXXX XXXX Charge Off 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXXXXXX Charge Off 6. XXXX  XXXX XXXX  XXXX Charge Off 7. XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I entered an dispute on information on my trans union credit report and was told that no investigation was needed and the false info was correct and due to the data breach at the credit bureau and my sensitive information leaked I would like to have my report to have the correct information reported
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX XXXX XXXX # XXXX # XXXX Violated 1006 ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XXXX XXXX XXXX  your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

Durning that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; 12 CFR 1006.38- Notice for validation of debts.

( d ) Dispute ; ( 2 ) Response to disputes ; Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the Creditor and, Furnisher of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXXXXXX XXXX  was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting.

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must n
ot : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred. 

However, I disputed the accounts with XXXX XXXX XXXX XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.
Product: Debt collection

Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.