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

On XX/XX/XXXX after being discharged from the hospital for an aortic dissection, I cancelled my XXXX account in person, by phone, and by email since I could not log in online. For the next 6 months I tried to resolve whatever issue they thought they may have had with online chat ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ), by phone ( XX/XX/XXXX and a couple more ), and in writing ( XX/XX/XXXX ), and email. After processing payment for a phone they claimed I owed, they started charging my credit card for additional monthly service! On XX/XX/XXXX I had an Army JAG lawyer contact them to try to resolve the issue. Finally I contacted my credit card company to reverse the charges they were stealing from me. On XX/XX/XXXX they sent me a cancellation email claiming I owed {$570.00}. I responded with another letter to XXXX on XX/XX/XXXX explaining why I did not owe them anything. In XX/XX/XXXX, they had XXXX XXXX ( debt collector ) start harassing me about the money. O contacted XXXX, in writing, documenting my case. XXXX sent a response that the debt was valid but stopped the harassment. The credit card company refunded my XXXX charges leaving the XXXX and XXXX charges. The XXXX had another debt collector, XXXX, being harassment. XXXX filed a delinquency report on XX/XX/XXXX with XXXX. I contacted XXXX with my documentation and they removed the delinquency report. In XXXX, XXXX had ADNI, another debt collector, begin harassing me. On XX/XX/XXXX. AFNI filed another delinquency report with XXXX. Which I will have to refute again!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

At XXXX  somehow i was in the XXXX group for trading ( stock and XXXX  ). They guide us how to trade, how to create the account. I did accordingly. I transfer money from my XXXX XXXX  account to Coin base XXXX, and bought XXXX and send that into XXXX XXXX XXXX XXXX XXXX  ), which is a broker for XXXX trading. They use the XXXX XXXX app for trading. Once i start trading i trade lot and i win lot money, and when i try to get withdraw they ask for capital gain tax XXXX  %. That time i have some doubt about the tax. And i start searching about that broker, but couldn't find that much information. I try to finf their office location and contact information but there is no phone number. they do have email and live chat only. I send them email but no response. and i try to live chat in their site but their there is no response. That time i get fully confirmed that i get scammed.
Product: Credit card or prepaid card

Apple / Goldman Sachs refused to authorize the closure of my account after 25 minutes+ waiting. Three managers were contacted and none were responsive. I was not afforded any alternate option but to endlessly wait. It seems this is an unfair consumer tactic to discourage closure.
Product: Payday loan, title loan, or personal loan

As we have always done, we asked for the full XXXX to be taken out on the XXXX XXXX XXXX XXXX XXXX have had XXXX XXXX and did not know I was put in a system to loose lots of money to that company. We have made it plain we do not see the terms they changed us to. For ever paying this bill.. we have already paid XXXX for nothing they say. XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my Equifax report and the balance doesn't belong to me. This debt does NOT belong to me. i would like this to be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid Charge-Off Accounts from Credit Report Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist me in ensuring that the following charge-off accounts, which have been settled and paid in full, are removed from my credit report, in accordance with applicable federal laws and guidelines : 1. XXXX, Account # XXXX ***** XXXX. XXXX, Account # XXXX ****** XXXX. XXXX XXXX XXXX, Account ***** These accounts, while previously charged off, have been fully resolved as they are marked paid and closed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, charge-offs that are fully paid and settled should no longer be reported in a manner that negatively impacts a consumer 's credit profile. Additionally, the Federal Trade Commission ( FTC ) and the CFPB have both issued guidance regarding the reporting of paid charge-offs, emphasizing the accuracy and completeness of credit reports. 

As these accounts are no longer in default status and have been settled, they should not continue to appear as negative items on my credit report. Continuing to report these charge-offs undermines the purpose of the FCRA, which aims to ensure that credit reports are fair, accurate, and complete. I respectfully request that these charge-offs be removed from my credit report entirely as they no longer reflect my current credit standing. 

I believe the continued reporting of these charge-offs may be in violation of the FCRA, which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Moreover, under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is incorrect or misleading. Since these charge-offs have been paid and closed, they no longer provide an accurate depiction of my creditworthiness. 

Furthermore, I kindly ask that the CFPB ensure that the credit reporting agencies update my credit file to reflect the accurate status of these accounts. This action is critical to ensure my credit report fully complies with all consumer protection regulations. 

Please confirm in writing that these charge-off accounts will be removed or updated to reflect their true status of " paid in full '' without any derogatory notations. If further documentation is needed to substantiate this request, I am more than happy to provide it upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Mortgage

A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago XXXX XXXX, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.
Product: Debt collection

I had an outstanding debt with XXXX XXXX  regarding some dental work. The dental work was originally covered by insurance and then some XXXX to XXXX  months later the insurance denied coverage for some of the work so they're wound up being a outstanding bill. 

Since it was unexpected since it was originally covered I thought by insurance I started making payments immediately which I have proof of on XXXX XXXX 's website and receipts for each payment. 

I then concluded the payments by making a lump sum payment after I'd saved up a XXXX or XXXX months after making payments to finish the lump sum payment. 

Suddenly a collection agency started calling and sending letters. I explained to them that the bill had been paid and that I had not failed to pay it I had made payments on their website using the partial payment button and method and that it was paid in full. 

Their replies they wouldn't have it if it was paid in full and that XXXX XXXX  would not deal with me if I tried to call them and then I'm going to have to go through them to resolve this issue. I have all the proof that shows the bill has been paid before Harris and Harris started calling and sending demands.
Product: Checking or savings account

I have been a Citi bank customer for a long time. I had been waiting for my CDs to mature so I could use them to pay taxes, food, lodging, etc. However, while I was on vacation, the bank apparently seized my money and put them into CDs again! They were much lower than market rate, and also they lock the money down for a year. When I called the bank, they said I had XXXX calendar days grace period but today is day XXXX so they can not do anything, they had to charge me over {$400.00} for each CD for me to access my own money! After banking with them for so many years, I feel I am taken advantage of. XXXX upset. Please help.
Product: Credit card or prepaid card

I have an XXXX XXXX credit card which was closed by the company ( XXXX XXXX ) without notice and under an unfair and predatory company policy. 

On XX/XX/XXXX I made a payment that was returned because of insufficient funds. Immediately after receiving my next paycheck I then promptly made the entire payment due of {$120.00}, on XX/XX/XXXX. My account was still open at that point, but about two weeks later I received a letter in the mail informing me that my account was closed. The letter was not clear about why, it only said because of too many missed payments. I had only been late twice in my 4+ years having the card. Both times I paid the full amount due, plus fees. 

I called XXXX XXXX and spoke to a representative and also to her supervisor, and they both told me that my account was automatically closed due to 2 returned payments in a 24 month period. XXXX   XXXX/Synchrony didn't tell me this would happen, didn't give me a warning/notice, and did not care that I had made all my payments - they said they couldn't do anything about the closed account because it is company policy. I've never heard of such a policy. It isn't fair to close my account when I've paid every cent they've asked me to pay. Two payment problems in a two year period does not justify closing an account, and the credit report/score problems that creates. 

My credit score has tanked over 80 points based on this situation alone. I now have a credit balance imbalance of {$4000.00} on my credit report that I can not change - solely because of this closed account. XXXX XXXX is penalizing me for having insufficient funds while they've never suffered a loss because of me. I've always paid 100 % of my amounts due. 

To add insult to injury, Synchrony has increased my monthly bill by {$30.00}. I've been paying about {$120.00} per month, but now that my account is closed Synchrony has raised my minimum amount due to {$150.00} - even though there has been no change to my balance because I can't spend on the card anymore. I don't know if my APR % has changed, or if they've expecting me to pay off the balance faster just because they closed my account. The {$30.00} change to the minimum payment due is unexpected and unexplained. 

Also, XXXX XXXX didn't help inform me even though they have a website for the card. There is a " Messages '' section of the XXXX XXXX credit card website, but I have received no messages pertaining to my closed account. I have no recollection of ever being told about this 24-month policy and the bank never warned me that my account could be closed for insufficient payments. It is now closed and I can't do anything about it. Synchrony got every monthly payment from me, yet they can still close my account and damage my credit based on an unfair policy.
Product: Credit card or prepaid card

Near med XX/XX/XXXX I open the Sears master card there was a purchase of things cost {$87.00} - {$36.00} as credit the balance is {$50.00} In 23 same Mounth XX/XX/XXXX I left out side the country my mail collected by a freind I came back to america XX/XX/XXXX going thrghue my mail find out the credit balance and charges inXX/XX/XXXX i went there discosed the charges they wave one of the charges and pay the balance of {$120.00} and close my account I explane to them my setwaytion and why i did not pay that bell that if I am in the country i will pay it on time but they report it. It is affecting my credit report what can I do? will you pleas luck at it and do some thing to clear my report of this bad credit thank you Sincerely XXXX XXXX phone : XXXX Email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to obtain my free credit reports from the three credit reporting agencies. I had no problem obtaining my detailed report from XXXX  and XXXX  online in minutes but Equifax is making it difficult and inconvenient to obtain the report. They ask several questions about accounts that were closed 10 years ago and would be difficult to remember such details. They then want me to fill out a paper form, enclose several personal documents and send it through the mail. 
This is an obvious attempt to make obtaining the report difficult so they can avoid providing the report for free.
Product: Student loan

Hello, I defaulted on my Student Loans and ECMC now holds the loans and they assigned XXXX to be the servicer. I have reached out to both companies and asked for copies of proof that they are the legal holders of my loans. I am about to begin repaying the loans but before I do I want them to prove they have all of their legal documentation and rights to claim payment in place. My payments will resume on XX/XX/2021. Both companies let me know that the federal pause on student loan payments does not apply to me. 

Neither company has granted my request provide copies of the documentation. As they have not felt obligated to produce any documentation at all I have become suspicious and wonder if they actually are in possession of all documentation necessary for them to hold the rights to repayment. 

Please help me compel them to provide the documentation I have requested. 

Thank you -XXXX XXXX  XXXX
Product: Debt collection

I am being contacted by debt collector, Resource Management Group XXXX @ XXXX XXXX XXXX, NC XXXX, stating that they are collecting for, XXXX, on a payday loan from XXXX XXXX, 2011. 

I have pulled my bank statements from XXXX XXXX, 2011 and it shows no payday loans received. Resource management group wants me to send them my bank statements from XXXX 2011 but I do not feel comfortable doing so because I do n't know who they really are. 

I asked resource Management group to provide me with XXXX XXXX telephone number and/or address and they said they did not have it. I also asked Resource Management group to provide me with original loan documents that I signed and they said they did not have that either. 

I then asked Resource management group to mail me a bill that explains what to do if I believe the debt is not mine and they said I had no dispute options with them that I needed to contact the original creditor - XXXX - yet they are still concerned with me turning my bank statements over to them. I have participated in payday loans with other companies and I believe my social security number was compromised form those transactions. All pay day loans that I have actually received are paid in full. 

Resource Management Group will not give me any information on the original Creditor other than their name which is " XXXX XXXX ''. Resource Management group is threatening to go on my credit report. I do not understand why this collection effort is starting 4 years after the alleged debt began as well. 

I have placed a fraud alert with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent items reporting on my credit report and have sought remedy in multiple ways as this is so violating to have accounts and hard inquiries on my report that aren't mine. The most recent was when I sent an identity theft report to TransUnion certified mail with return receipt on XX/XX/23. It was received on XX/XX/23 ( per return receipt ). I called customer service on XX/XX/23 to confirm it was received. The man I spoke to told me that though it was allegedly received, it was not yet uploaded to their system and to call back in a few days. Totally fine. On XX/XX/23, I called THREE times. The first person said " we received your paperwork but can not remove the items because what you submitted was illegible. '' Unless my letter ended up in the Ohio derailment and caught on fire, then made it back to USPS and got delivered to TU, it was clearly printed 12-pt font and 100 % legible. The second person hung up on me. The third person said " we received your paperwork but we can not remove the account. We can only change the status to being investigated. We sent you a letter outlining all of this that you should receive in 7-10 business days. '' What I demanded in my letter to TU was not that they should " investigate '' but that they REMOVE the fraudulent items! I am dealing with the bank that issued the fraudulent account separately, and per 15 US Code 1681c-2, they must remove these items as it's severely discriminatory and causing me difficulty in obtaining new credit as I'm starting a new business, and the amount of times I've tried to get through to someone can help... I can't even count. This is my next effort to get through and hopefully get these FRAUDULENT items off my report!
Product: Debt collection

Ive continuously received unwanted phone calls from numbers listed as Portfoliorecov over the past couple of months, and I have received these calls at least once a week or more. When I answer, nobody seems to be on the line to talk which applies to every number that has called me, making me believe it could be a potential scam or that they have the wrong number and continue to harass me by calling. I did research on Portfoliorecov and I learned that they are a large debt collection agency. However, I am not in any sort of financial trouble. 

Here is a call log of every call I have received listed as Portfoliorecov even after blocking each number : 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

I wrote to kohls payment center with attachment checks that account was paid. during the beginning of COVID mail was not timely and I was having a hard time, I asked them to close my account I told them I would pay for a finance charge of not more than {$100.00} I also would not be paying late fees as it wasnt my fault my job was directly closed down because of COVID and also not my fault mail running slow if they were open at this time at all this company never lets you rest with the harassing phone calls they sent me letters that my account was paid then they call you telling you they have no record of your bill ever being paid so they have asked me to send all that I have proof account was paid in fax which I have already done that they acknowledged they still have not closed my account Ive asked since the beginning they have chosen to keep account open and continue adding late fees my account is past due of {$400.00} all late fees when payment of XXXX has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX sent notification of myself requesting a debt validation letter from Credence Resource management , LLC. I specifically asked for my signature on a contract to verify the debt. I was sent a account notification letter and a contract copy letter. My signature is not on no paper work that the company sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT