23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX - You Violated The United States Code Law 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 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX  XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bought XXXX BTC from Coinbase, Inc on XXXX XXXX 2017 using a debit card. As per their site, debit card transactions should process " instantly '' and the Bitcoins should have been in my virtual wallet on Coinbase. It is now over a month with no contact from Coinbase, little to no support or even the ability to speak to a person. I have sent multiple emails and the responses are computer-generated messages with no information of the status of my transaction. The money left my bank account immediately so I do not know why I have not been able to receive my Bitcoins. I just want this transaction to go through and then I am closing my account. Coinbase is a scam, where they take your money and offer no way to contact them or get your money back. They make too much money of every single transaction that this kind of issues are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with CFPB and I believe it has been forwarded to Experian. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( Experian ), XXXX v XXXX and XXXX XXXX, XXXX that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Experian has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
Product: Credit card or prepaid card

I had an XXXX charge from XXXX for {$4500.00} to stay somewhere during the month of XXXX. At the end of XXXX, travel restrictions were imposed regarding my XXXX XXXX, as I am XXXX and am in the XXXX on XXXX XXXX. Due to the restrictions, I had to change plans and leave the XXXX for the last XXXX weeks of XXXX. I was prohibited from staying in the XXXX until I completed an additional accrual process for my visa. 
Under XXXX 's extenuating circumstances policy, my situation is eligible for a refund. As XXXX would not respond to my attempts to ask them for this refund, I initiated a dispute with Amex for the amount of {$2100.00} Amex originally approved my dispute for the amount of {$1000.00} on XX/XX/XXXX. However, I then accidentally re-opened the claim so that the full amount of {$2100.00} could be disputed. On XX/XX/XXXX, Amex closed the claim without resolving. This is particularly troublesome as Amex had previously approved the claim, and then they closed it after I reopened it for the correct amount. 
Currently, I have forfeited the {$4500.00}. I am requested that Amex resolve the dispute so that I can recover {$2100.00}. 
Thank you
Product: Debt collection

My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, F.H. Cann and Associates ( collection agency for XXXX ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones.

I have written and mailed a letter to both F.H. Cann and Assoc., and XXXX asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.
Product: Mortgage

My mortgage loan ( Fixed loan ) was transfer to another bank ( XXXX to BSI Financial ), and this month my mortgage payment went up from {$1300.00} to {$1700.00}. When I called BSI, they told me that when they got the loan, it had a negative escrow balance of {$1200.00}, and when they paid the taxes and insurance my escrow was negative over {$4500.00}. Now my question is, where is all the escrow money I paid to XXXX? My mortgage payment is going up more than {$400.00} just got the transfer of the loan ... this will affect my finances big time. I need help dealing with this ... my escrow money have to be somewhere!! Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sequium Asset Solutions , LLC for committing fraud and identity theft. I have never contracted with Sequium Asset Solutions , LLC and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Sequium Asset Solutions , LLC have brought me severe XXXX XXXX XXXX I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions , LLC continues its collection efforts, I will file for litigation for actual damages caused, and Sequium Asset Solutions , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

This is the most current conversation with cash app explaining the issue for the 17th time.

I need a support manager to call me. I've had this issue for months and not one person can help me and when I call they read the script and then hang up on me after saying they have no more information and were closing the case. This is absolutely unacceptable for customer service to have a script that states after telling a customer u have no more info hang up on them.
Product: Consumer Loan

My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX 
I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.
Product: Debt collection

This Collection Company, EASTERN ACCOUNT SYSTEMS is fraudulently reporting a Collection account with a balance of {$130.00} on my Credit Report. I have never done any business with EASTERN ACCOUNT SYSTEMS nor do I have any knowledge of this account. I have no knowledge of who this Collection Company is that is Violating My Consumer Rights and Federal Law. I have never given the Collection Company any authorization or consent to contact me, access my private information, or report on my Consumer Profile in any capacity. I have alerted this Collection Company to cease communications with me and to cease violating my Consumer Report with this false account reporting. This is another example of Illegal, Abusive and Fraudulent Collection Agencies attempting to capitalize off of Consumers with false account information. My Private Information was stolen and breached by this Collection Company and this Collection Account must be REMOVED/DELETED from my Report immediately because it is NOT MINE and I have NO KNOWLEDGE of its existence.
Product: Credit reporting or other personal consumer reports

I am attempting to get an increase in my line of credit with my bank. They requested access to my TransUnion information ; it has been frozen by me. I attempted to get onto the TransUnion site to temporarily remove the freeze. TransUnion site responded that they needed to send me a code to enter. After a half hour, I had received nothing. Chat service indicated they were having " technical difficulties ''. Direct phone contact with a live agent said they could do nothing. How am I supposed to protect my credit but still utilize it when I need if this is the best service they can provide?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I made a purchase through CashApp on XX/XX/XXXX for {$960.00} for lawn equipment. I purchased this through XXXX XXXX XXXX They sent me tracking information through email. Well it's not XX/XX/XXXX & i still have not received my item. I have reached out multiple times through email with no response. I tried calling the phone number in the website & it doesn't work. XXXX has not updated. 

I contacted cashapp multiple times and filed disputes and they keep denying them saying the charge was " authorized '' & the merchant fulfilled the request. No they did not. I have no received my product that I paid for. I have send them so many screenshots of proof that I haven't received it, the merchant has not responded & tracking hasn't updated. They still will not refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and Transunion of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, XXXX, Transunion is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.
Product: Credit card

Ordered a card from these shady dicks, costs XXXX for a program fee which I paid a month ago. I have tried getting into contact through email and calling, no one even picks up the phone when you call, and when I email them that I still havent gotten my card after paying for it a month ago, they tell me to wait another XXXX days. XXXX needs to be shut down, XXXX XXXX XXXX  needs to be audited.
Product: Debt collection

got copy of my credit report and had this debt on it from resurgent capital services not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX  XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.
Product: Student loan

I receive 1 to 5 calls every day of the week, including weekends about my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuse to follow Federal law : FCRA 605B ( 15 U.S.C. 1681c-2 ) The Fair Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- July 30, 2004 30 ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Vehicle loan or lease

This all began in the middle of XX/XX/XXXX after i received a new job offer in Puerto Rico. When i called I was told that there was no problem taking my car down to Puerto Rico and that all that I required was a letter from them saying that it was ok to take. on XX/XX/XXXX I called again to see what the titling process was in Puerto Rico and was then advised that I could no longer take the car. On XX/XX/XXXX I then called again after I had reviewed my contract. In the contract it clearly states that I am able to take my car anywhere within the United States. When I called I was initially told that they were only allowed to let my car go anywhere within the 51 states. So I happened to ask what were the 51 states and was not able to get an answer as there are clearly only 50. After I was transferred to someone in the United States I made it very clear that Puerto Rico is a part of the United States and that they are now breaching the contract. They told me there was nothing they could do that their legal department no longer allows cars to go to Puerto Rico. In my honest opinion this is now blatant discrimination. They now have put me in a very bad position and now I am running out of time to resolve this problem.