23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a XXXX XXXX  XXXX ending in XXXX ) in XX/XX/XXXX with a 0 % for 24 month promotional offer. I made a purchase at that time. In XX/XX/XXXX, I called the XXXX number provided on my credit card to ask if the 0 % for 24 months was still in effect for a purchase I wanted to make. I was told by the customer service representative at XXXX credit card XXXX XXXX ) that it was still in effect and that I could still take advantage of that offer. After being told that I could still take advantage of the 0 % promotional rate, I asked if they could increase my credit limit, which they did, from $ XXXX {$7500.00}, on that same day. I told the customer service representative that I would be making two separate purchases, so Citibank would be aware that there was no fraudulent activity happening. I made the purchases, XXXX for {$2400.00} and another for {$1600.00}. 
I called Citibank on XX/XX/XXXX to make sure that the 0 % promotional interest rate for 24 months was applied to those purchases because I did not see it on my credit card statement. They told me that the customer service rep who gave me that information was incorrect, and that I dont have access to that promotional interest-rate. According to the supervisor, I spoke to ( XXXX on XXXX XXXX ) there is absolutely nothing they can do, and I, the consumer am left to figure out how to pay for {$4000.00} that will be coming due in the next XXXX to XXXX  days. I would not have made the same purchase decisions had I known I was not able to take advantage of 0 % for 24 months. And I certainly would not have used my XXXX card for any additional purchases had I been informed correctly. 
It is not OK for a Citibank employee to give out mis-information to a consumer, that the consumer will then act upon, and that Citibank has no way to try to rectify the situation, and has no interest in trying to help the consumer. This is not only misleading, it is wrong.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX at XXXX I sold XXXX XXXXXXXXXXXX per ETH ( {$3500.00} ) to my USD Wallet on Coinbase. My ETH was removed from my wallet, but I 've never received my USD. This transaction is supposed to be instant and it 's been 30 days and I still do n't have my money. I opened a case with Coinbase support ( Case ID XXXX ) on XXXX/XXXX/XXXX and I received an update on XXXX XXXX that they were going to have a specialist look at the issue. I called their phone support on XXXX/XXXX/XXXX and after waiting an hour on hold the analyst told me that my request has been properly escalated and that 's all she could do XXXX XXXX ID XXXX XXXX. When this amount of money is on the line I do n't see how this level of service/support can be acceptable. 

Coinbase needs to resolve my issue and deposit the {$3500.00} to my USD account on Coinbase
Product: Debt collection

I just found out that XXXX XXXX XXXX sent us to collections. They said they sent us a bill in XXXX XXXX for services provided XXXX. Once they did n't hear from us they sent us straight to collections. I pulled my credit last year ( XXXX ) and I did n't see any medical collections on my report. Further, Rainier Collections NEVER sent us a letter to dispute. Then, to make matters worse, XXXX XXXX XXXX said they did n't bill our insurance as they " typically '' do n't collect that information. This is from an emergency visit to the hospital! Why would n't they bill our insurance like every other doctor that works there. The bill was {$770.00} ( that 's what they told me today ) and the collection agency is trying to collect {$1000.00}. ( 33 % ). I 'm pretty upset because if I saw this bill or had been giving the opportunity to dispute this bill ... .I would have given them my insurance information to settle the debt. ( which I did today..but now my credit is marred! ) This is not only unfair but it makes no sense to avoid billing insurance and ruining someones credit. Then the lady said that even if the insurance pays ... the collection company has the right to continue to bill me the {$250.00} they charged for collections!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I noticed some inaccurate account information reporting under some accounts, in addition this account does not and has never belonged to me. Nevertheless, Account listed XXXX XXXX # XXXX currently shows a payment made on time in XX/XX/2022 but has listed XXXX for the actual date of last payment. Also, the balance of {$860.00} doesn't reflect the same balance being reported from XXXX XXXX XXXX XXXX. 

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Assistance in Resolving Human Trafficking ( Debt Bondage ) Case To Whom It May Concern, I hope this letter finds you well. I am writing on behalf of a federal award recipient, authorized by the U.S. Department of Health and Human Services, Office on Trafficking in Persons ( please refer to the attached Confirmation of Authorization ). This communication is to inform you that the XXXX XXXX has verified and determined that XXXX XXXX is a victim of severe XXXX XXXX as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX as defined under 22 U.S.C. 7102 ( 12 ), in accordance with the requirements for blocking adverse credit information pursuant to 12 C.F.R. 1022.142 ( see attached rule ). 
The XXXX XXXX is a dedicated organization advocating for the rights and protection of those affected by XXXX XXXX, including debt bondage. Our mission is to support survivors of this serious human rights violation and to work collaboratively with various stakeholders to address and combat this critical issue. 
In the course of our work, we have identified a case involving an individual whose credit report reflects an outstanding debt that we strongly believe is tied to debt bondage. The nature of this debt suggests possible coercive or fraudulent practices, resulting in an unfair financial burden on the victim. 
We kindly request your assistance in blocking and removing any adverse accounts that are negatively impacting her credit profile, in compliance with applicable regulations. Your prompt attention to this matter is greatly appreciated, and we look forward to working with you on this important issue. 
Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Urgent Complaint Regarding Account Restriction by Regions Bank Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Regions Bank regarding the unjust and unexplained restriction placed on my account. As a member of the military currently stationed outside of Regions ' network, I find myself in a deeply concerning situation with no access to my funds and no clarity on when this issue will be resolved. 

My account was inexplicably restricted by Regions Bank, without any prior notice or explanation provided to me. Despite my numerous attempts to seek clarification and resolution, both through phone calls, attempts to speak with managers, and even through chat support, I have been met with a complete lack of assistance. The representatives I spoke with were unable to provide me with any information regarding the timeframe of the restriction or the reasons behind it. 

As a member of the military, I rely on prompt and efficient access to my funds for various essential needs, including financial obligations and emergencies. Regions Bank 's actions have not only caused significant inconvenience but also pose a direct threat to my financial stability and well-being. 

It is evident that Regions Bank 's actions are in violation of several banking laws, particularly regarding transparency, timely access to funds, and customer service standards. Despite my persistent efforts to resolve this matter, I have been met with nothing but frustration and inadequate responses from Regions Bank. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Regions Bank provides me with immediate access to my funds, along with a clear explanation of the reasons behind the account restriction. Furthermore, I request that appropriate actions be taken to hold Regions Bank accountable for their disregard of banking regulations and their failure to provide adequate customer support. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

When I reviewed my credit report I was shocked to see that there was a 30 day late payment on the dates below : XX/XX/2019 I have no idea how this happened. I believe that I made my payment to you.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXX/XX/XXXX Balance : - XXXXXX/XX/XXXX XXXX XXXX Balance : {$4500.00} XX/XX/XXXX XXXX XXXX Balance : {$3300.00} XX/XX/XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well as a defamation of character. I, the consumer never gave written consent or was consent received from a court of competent jurisdiction to have my personal identifying information be shared to these third parties ( credit bureaus ). I the living man have all power above these companies and demand my request be honored. I am the CREDITOR as it is my credit and energy that funds any consumer credit transaction. I am NOT a borrower. I AM the lender. In addition lender and borrower are not defined Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report and Per 15 US Code 1692b ( 2 ) - May not state that such consumer owes any debt This is my written instructions for the credit bureaus to remove ANY negative items from my report so that I the consumer may continue in commerce with barrier. The items are as follows Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All hard and soft inquiries XXXX XXXX XXXX should be the ONLY name listed XXXX XXXX XXXX XXXX should be the ONLY address listed
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXXXXXX/Experian/XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

I have sent Resurgent Capital Services several letters to verify a debt that they say that I owe and all I get back are letters that say " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by law, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' With the letters that I have sent out, one in XX/XX/XXXX and the other in XX/XX/XXXX, Resurgent has failed to do anything to verify my debt. In accordance to the law, they had 30 days to verify it, or it will fall of my report. It has been long past that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These companies are reporting on my credit without a my consent.i have no contract with these company.they are violating my consumer rights
Product: Mortgage

My home was sold to Foreclosure on XXXX/XXXX/2015. I hired an Attorney as i felt this was not done correctly by the bank or their Attorney XXXX XXXX XXXX. My Attorney was able to get the courts to rescind the sale date. Since XXXX 2015 i have submitted XXXX modification packages to GreenTree ; however, they will not review my loan for modification as they state their system still shows my home was foreclosed on. XXXX XXXX XXXX their Attorneys have not communicated with them the fact that the foreclosure sale was overturned. My Attorneys office has tried to explain to GreenTree and XXXX XXXX XXXX the issues, however, we are now in XXXX and GreenTree nor XXXX XXXX XXXX has made any effort to assist. Please help. I am trying to save my home. For further proof or evidence my case is under XXXX XXXX and the case number is XXXX. 
Thank You.
Product: Debt collection

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.
Product: Debt collection

Ive reached out to the collection company with no success. Ive tried disputing several times with no success. Ive also asked the collection company to provide contact information of the alleged creditor so I may discuss with the source. They state they do not have that XXXXnformation or refuse to provide it. How am I being charge or held accountable for an alleged service that I can not verify. This is misuse of treatment and unfair. I demand I get a valid opportunity to dispute this
Product: Credit reporting or other personal consumer reports

An account was opened without my knowledge. I did not open an account with Macys and my personal information was stolen and used to open up various accounts without any of my knowledge. I need this collections or charge off remove from my account and I do not want it to appear on my credit report for all three bureaus not now or ever again in the future.
Product: Credit reporting or other personal consumer reports

this company supplied misinformation to credit agencies ; the info was wrong and incorrect, and illegal
Product: Credit card or prepaid card

I applied for Citi XXXX card with the offer " spend $ XXXX within 3 month and get XXXX ThankYou points ''. I completed the requirement within the first billing cycle, but the bonus didn't post. I reached out to Citi 's customer service multiple times, but they gave me an excuse saying I closed the same type of account within 24 months so I didn't qualify for the bonus. But the truth is, I closed my previous Citi XXXX card late XX/XX/XXXX, and opened my most recent one on XX/XX/XXXX. This is clearly beyond the 24-month window. When I asked them what the closing date of my previous XXXX card was, they refused to provide the date, knowing that this would only prove my point. I feel very frustrated to be the victim of " bait and switch ''. The application left a hard inquiry on my credit report, and I have to pay {$95.00} annual fee on this new card. I feel I deserve the advertised XXXX points given that I satisfy all the requirements.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} '' '' XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
Product: Debt collection

I have a mortgage on my house and I was paying It was automatic payment so I dont be late on payment. The PNC Bank tried to contact me multiple times via phone, but they always ask my address and I didnt feel comfortable provide anyone on the phone with my personal information. I asked what this about. The answer was if you dont want to verify that information theres no point to talk and hang up multiple times phone calls this way I called him back. Ask her what is about to say your house will be paid off because the last amount is very low and you need to pay it by certified check, I have no idea already sent to my account for collection and reported bad credit against me. Thats not my credit down from XXXX to XXXX I want to throw all the letters in sent to me. None of them show anything about late payment or I have to pay the last payment via certified check And now my credit is just and I dont know what to do to fix it now I sent the last payment already contact them. It was nothing we can do about it
Product: Credit card or prepaid card

In XX/XX/XXXX I booked a flight from XXXX to XXXX  through the Internet. At that time, I was offered a {$300.00} credit and XXXX miles if I opened the XXXX American Express card. I would not have opened a new card were it not for the promised perk as I have multiple cards that would have given me a smaller rebate. I assume that Amex would have checked my credit and were aware that I have 2 personal American Express cards that I use infrequently. I was sent the customer agreement but I was never told that I did not qualify for the perks promised. Nor was there any information sent to me showing the disqualification. I believed I am entitled to both the {$300.00} credit and the XXXX frequent flyer miles that were promised. After 3 calls to customer service these have been denied by Amex. To me this behavior is fraudulent as it would have been easy for the company to inform me prior to using the card that I did not qualify for the promotion. Contacted first XX/XX/XXXX and second time XX/XX/XXXX and third time last week
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Department of Education 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