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

****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy XX/XX/XXXX! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported 2 different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.
Product: Credit card

I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX )
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) in Colorado charged me correctly for using a toll road on XX/XX/XXXX. I thought nothing of it expecting a bill for ~ {$5.00} in the mail. Nearly a year later on XX/XX/XXXX I receive a notice that I was sent to collections for {$50.00} on XX/XX/XXXX. I never once received the bill or was given notice of failure to pay. XXXX made XXXX effort to contact me, and instead seems to be using debt collectors as a racket to increase the fees they charge on their roads. A cursory XXXX shows a multitude of similar complaints against them in the news, and seems to establish a trend of predatory and fraudulent behavior by this company, hence this official complaint.
Product: Credit card

I have a XXXX XXXX XXXX credit card with chip issued by Barclays Bank that I have used for several years for traveling. I use the card sporadically, mostly for stays at XXXX XXXX  and hotels. In XX/XX/year>, while looking at my credit card transactions online, I saw a message from Barclays that possibly fraudulent transactions had been detected on the card and was instructed to call their customer service line. I checked the transactions that had been posted to the account, and found that about {$2000.00} of charges had been made to the card at businesses in Massachusetts. I live in Utah and had made no purchases with the card for several months. The customer rep opened a fraud case on their end and canceled the card. After a couple follow up calls, I managed to get all the fraudulent charges credited to my account. However, today I am informed that Barclays ' fraud investigation has concluded that the charges were in fact valid and that they would be reinstated to my account. I made another call to them and found that they consider the fraud transactions valid because, according to them, the physical card was supposedly used for the charges. This is not possible, but what can I do to convince them otherwise. The pattern of the purchases is clearly fraudulent, e.g. six gas station charges at the same store in one day. However, they are not budging. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

1. XXXX XXXX Account number # XXXX 2. XXXX  XXXX Account number # XXXX 3. XXXX  XXXX Account number XXXX 4. XXXXXXXX XXXX Account number XXXX 5. XXXX XXXX XXXX XXXX Account number XXXX 6. XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Mortgage

My loan was sold by XXXX XXXX or ShellpointXXXX XXXX XXXX XX/XX/XXXX. O XX/XX/XXXX my regular payment was deducted from my account by Shellpoint. Now, according to Shellpoint, the payment was returned to me on XX/XX/XXXX. I sent them a bank statement from XXXX showing the money coming out on XX/XX/XXXX and never coming back in. I never received any money back. They are now saying the loan is past due. 

We've never missed a mortgage payment in our lives.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY
Product: Debt collection

This collection account has been paid and settled with XXXX XXXX XXXX XXXX. Comenity Bank-Victoria Secrets is still reporting as Past Due/Collection on my credit reports.
Product: Checking or savings account

Hi, I purchased this online course " XX/XX/XXXXXXXX '' on XX/XX/XXXX XXXX ( Saturday ) 2019. 
The next days, I can not reach him anymore. He doesn't reply to my messages. He's supposed to be a mentor and we're supposed to have communication through out even after I finished all the videos. I feel like I got scammed. 

On Monday, XX/XX/2019, I contacted him and asked for a refund. He replied and told me that I was stealing information in his course. He sent me an email ( Attached to the bottom ) about the Policy, It says that he will not refund because I watched most of the videos. On the policy it says that less than 100 % video watched and 100 % 30 days money back guaranteed then you get to refund. I only watched 88 % of the videos and not even 30 days have pass I also called my bank ( Bank of America ) for a refund, They said they'll give me a credit or something, I don't really understand what they're saying but its been almost 2 weeks I never received anything.
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON MY REPORT BREAKING THE LAW. THESE ACCOUNTS " CHARGED OFF '' XXXX IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE ALL ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Continues XXXX Violate multiple laws from XXXX XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ). Additionally CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. AGAIN THESE COMPANIES HAVE ALREADY WRITTEN OFF THESE ACCOUNTS AS A " CHARGED OFF '' IN THEIR MANDATORY TAX FILINGS VERIFYING THE ACCOUNT 'S TRUE STATUS. DELETE THESE ACCOUNTS IMMEDIATELY FROM YOUR RECORDS AND I'M ALSO REQUESTING {$1000.00} PER EACH VIOLATION OF THE LAWS VIOLATED AND THE FCRA PER ALL MY OTHER COMPLAINTS THAT YOU HAVE FAILED TO FULLY ACKNOWLEDGE AND ADDRESS THE LAWS BROKER BY YOUR SERVICES ALSO EQUIFAX YOU'RE VIOLATING AND BREAKING ADDITIONALLY THE FURTHER LAWS BY HAVING THESE ACCOUNTS ON YOUR RECORDS AS THE LAW STATES UNDER 15 U.S.C. 1681c THAT A CONSUMER CREDIT REPORT DOES NOT INCLUDE ANY ADVERSE ITEMS ASIDES " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years '' THESE ACCOUNTS ARE AN ADVERSE ITEM AND ARE REPORTING WITHOUT MY PERMISSION AFTER REVOKING ALL PERMISSION TO THEM AND YOU EQUIFAX. 



ADDITIONALLY THE LAW CLEARLY STATES Code XXXX ( XXXX ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXXXXXX, ) making the report. EQUIFAX WHAT YOU'RE DOING IS ILLEGALL AND I DEMAND THE DELETION OF THESE ACCOUNTS ASAP FURTHER MORE I HAVE REVOKED ANY PRIOR PERMISSION TO SHARE ANY PERSONAL INFORMATION WITH A XXXX PARTY COMPANY. FURTHER MORE ON THEIR TERMS and Conditions these Companies agreed not to share my information with NON affiliates. EQUIFAX, XXXX, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now REVOKING any and all authorization I THE consumer may have given you written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Product: Checking or savings account

Capital One bank has not deposited my direct deposit from my job causing late payments for my credit cards. The hold time when calling is currently at 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several " system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. 

Additionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!
Product: Credit card or prepaid card

I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.
Product: Money transfer, virtual currency, or money service

Today is XX/XX/21. For at least 3 weeks, I have been trying to sell my XXXX held with Coinbase. Coinbase has my account restricted and will not initiate the transaction. I had gone through their ID verification steps 3 times before it even let me back into my account, including one where I had to take a picture of me holding a sign saying " for coinbase ID verification ''. Now, they are holding my funds XXXX, and after numerous submissions to their customer service letting them know my account was still locked and I could not sell my XXXX, they have not responded a single time! Every day, I try to sell, I can't, then I send another message to Coinbase. Coinbase is ILLEGALLY withholding my funds. I have XXXX XXXX, which as of today is worth around {$12000.00}. I have screenshots for every day proving all of this ( todays ' is attached ).
Product: Debt collection

On multiple occasions during XXXX and XXXX, " XXXX '' has informed me that I owe money for a Citi Bank credit card. I requested a Debt Validation Letter, but they have not sent one. They have threatened me with legal action several times. I spoke to someone in their " legal department '' who did not believe I am a paralegal and dismissed my claim. I told them that I would welcome any legal action they intended to take. 

Today, XXXX  XX/XX/year>, I received another call from " XXXX. '' I requested to be on a recorded line, and the representative agreed to that. However, while the representative was in the process of transferring me to another team member, the call disconnected. I have a recording of the conversation.
Product: Mortgage

To whom it may concern : It is a very long time of the modification issue for the second mortgage or HELOC, from XXXX XXXX during 7 years. I submitted to request the modification for this HELOC, after the first loan modification successfully.

The Services tried to ignore my loan modification for 6-year long, one of the technique that Specialize Loan Servicing LLC used to treat my loan modification that they sent/replied/requested ... mail to me per using somebody else address where I never receive during/about 6-year length. SLS used it to blame on me, not to cooperate with the Services. SLS used this as an excuse during the years of underwater or/and the property has no market value in those years. The property market value has increased up more than 40 percent then SLS went back and enforced the property in Foreclosure Process that SLS shall collect more money. 
I just wondered why my loan modification all replied letters from SLS has been sending to wrong address where I never used it and I never provided it to SLS???

Secondly, SLS took that long of 6 plus years to review my loan modification?

It now took only 6 months for them to deny and push in Foreclosure? 
Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get equifax snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on Equifax and remains on XXXX. This is inaccurate and misleading with is a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting all these account on my credit file and none has been validated. I sent letters for validations but never has XXXX  sent anything to me. This is unfair and I feel that my rights are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXI XX/XX/XXXX
Product: Debt collection

I sent a debt validation letter to the collection agency XXXX XXXX XXXX regarding three collections accounts from them that are on my XXXX credit report and received no response. I requested debt validation because I have no knowledge of these accounts nor have I ever been contacted by this agency regarding them. Two of the collections are actually for the same amount of {$2500.00}, which seem to be a duplicate of one that is being reported twice. The third collections from them is for {$1500.00}. It shows opened accounts XX/XX/XXXX. I have no knowledge of the opening of these accounts and have no idea for what these bills are even for. A debt validation letter was sent to them around XXXX XXXX and I have not received any response from this company. They have failed to provide me the information I requested to validate the alleged debts they are reporting. This company is unethical and possibly fraud for ignoring my letter which requested them to provide the validation of these alleged debts. I have also filed a complaint with the XXXX. These collections need to be removed immediately from my XXXX credit report!
Product: Credit reporting or other personal consumer reports

The Credit Bureau did not send me back any verification information about the court verifying the bankruptcy which is reporting to my XXXX and Equifax. I submitted a letter that stated the court of the XXXX XXXX XXXX Illinois does not report bankruptcy to the credit bureau and asked them to remove it. They sent no verification information from the court with the referenced bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX and on Equifax reported dismissed XXXX XXXX XXXX XXXX XXXX XXXX  This is misinformation as I have no Bankruptcy in XXXX XXXX Neither of the organization provided documentation from the court of the northern district. There letter states they do not report to credit Bureau and I am asking for them to remove it from my file immediately.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : My name is XXXX XXXX XXXX. According to the law, you have been violating my rights. Per FCRA as a federally protected consumer, I am now opting out of ALL AUTHORIZATION, I the consumer, may have given you written, unwritten, verbally, and non-verbally per 15 USC 6802 to report anything to anyone or any agency for ANY and ALL reasons. All reported items without my written consent is considered IDENTITY THEFT per 15 USC 1681b ( 2 ). Thank you for your cooperation. 

Respectfully submitted, XX/XX/year>XXXX  XXXX : XXXX
Product: Mortgage

I was struggling to make payment for beginning in 2019. I contacted Prime Lending ( mortgage company ). When I spoke to the loan modification officer, about my options : they asked if I wanted to keep my home. I responded Yes, absolutely. The loan modification officer recommended a Loan Modification-and immediately sent me a package to fill out. The taskings forms and time required to submit this package to approximately 1-moth to complete. This process began XXXX, then the completed package was sent out XXXX, via fax. They informed us that I needed to have been behind at least 1-month late on my mortgage payment at time of review-which I was. After numerous calls, request for additional information ( 2-month after initial fax ), time and energy spent to make sure all the details were covered / over 16 hours of labor. finally the results were received on XXXX. We received the mortgage company 's results, a simple letter ... Not approved for loan modification. The only two Options I qualified for were " Short Sale '' and a DEED in Lieu of foreclosure. '' I am a XXXX veteran only requesting a loan modifications and was instead offered foreclosures? This is completely unimaginable after 5-months of dealing with this company ( Prime Lending ).