23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The investigation is taking several months. Every once in a while they change the person in charge of the case and everything goes back to zero again, with the same letter of introduction and asking for renewed information. There is like a rota of people fooling around my id theft case. I have never gotten a complete investigation status or what clearly the problem is, and/or what is the solution they are working at. There is a constant repetition of questions and information. Repeated information that has to be re-submitted to a new agent everytime. I feel disappointed and also I do n't even know what are they doing with all this information, my personal information, what is their purpose. If they are marketing or selling my data, or what is going on. But at this point I do n't want their involvement. I know they can be dangerous because they operate as a division of Experian, and they could enter detrimental information in my file if they wanted to get back at me for filing this complaint. Therefore, under my lawyer 's advice, I will be using this complaint also as a milestone to indicate I complained against the agency before they try to damage my credit. Now they have a lot of personal information that XXXX be they even did n't need. They promised to help me put a long term fraud alert on my record, something in the order of 5 o 6 years. Which I thought it was kind of long. But I went along until now when I 'm realizing they are playing games. Their purpose? I do n't know. Thank you for your assistance. Best, XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX. Post Data : I wo n't be able to attach files, but I can send in a long chain of emails I received from this group XXXX ( Experian ) for a period of 6 months or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I closed my credit card account with Capital One. Capital One acknowledged the closure, even reporting it to the bureaus. I have no further business with Capital One whatsoever. However for marketing purposes Capital One has continued, without my consent to access my credit report. To regain my business and enrich themselves Capital One keeps sending me emails that indicate the change in my XXXX score. As of today, I have received two emails that indicate the unauthorized access of my credit report by Capital One. First email notice was sent to me on XX/XX/2022 indicating a change in my XXXX credit score. The second email was sent today XX/XX/2022. The latter email indicates that my score has dropped by XXXX points and that I should sign up for their XXXX service. I consider these two emails as proof that my credit report was accessed without my written consent after the termination of all contracts with Capital One. Contracts do not and can not exist in perpetuity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated through this system a complaint about an unauthorized hard inquiry from XXXX XXXX XXXX appearing on my Experian Report. The CFPB report number was ( XXXX ) SEE attached File. The CFPB reported back that this company was not in there database, ( as they do handle complaints of erroneous reporting. ) The hard inquiry from XXXX dated XX/XX/XXXX, was NOT initiated by me and is a matter of FRAUD or ID THEFT or other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been unable to set up bi-weekly payments. I had to supply the required documentation 6 times before they agreed that they were received and by then, I had to pay them another full payment before I could set up bi-weekly autopay. Every call to them is 30 minutes ( after hold time ) at minimum and never results in resolution. I feel that they want to keep me from making bi-weekly autopayments as it will save me interest over {$32000.00} over the course of the loan. This company seems less than reputable and I am sad my loan servicing was transferred to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Product: Debt collection

The medical billing company, XXXX Medical Group, sent the bill to Medicare using the wrong social security number. The claim was rejected and it was immediately put into collections without any notice given. It seems to me that I should have been given the opportunity to clear up the bill before it was put into collections. On XXXX XXXX, we contacted XXXX and the correct SS # was clarified. The bill was re-sent to Medicare and the account was pulled from collections by XXXX that day. Even though the account is no longer in collections ( and in my opinion never should have been put into collections in the first place ), CMRE still continues to call and harass me. We 've told them multiple times to stop calling as this is a billing error that was already resolved. They still keep calling.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX
Product: Student loan

Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

I had a debt with XXXXXXXX XXXX XXXXXXXX. The sold it to Penn Credit. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
Product: Student loan

I have been dealing with NAVIENT for days. I am filling out my XXXX  application to take the XXXX, become an XXXX, and pay NAVIENT. The application requires that I provide full loan numbers. I have requested this information four separate times in the past 2 days. They keep telling me I can find it on their website. Once I made one of the customer service reps wait on the phone until I went through the website like they said, they admitted I couldn't view that information online. Then they tell me it is ON MY MONTHLY STATEMENT. Yet .... I logged into their message system and viewed every monthly statement for the last 2 years and guess what? the loan number is NOT on the statement. I called them again and told them this. They then admit, it is NOT On my monthly statement. Bottom Line : They are refusing to provide the loan numbers. I have no idea how this is legal, but please help me fix it. Thanks.
Product: Credit card or prepaid card

In XXXX XX/XX/2019 I took advantage of a Regions Bank credit card offer of 0 % for 12 months on another card balance transfer. I have been charged interest for the amount of the transfer for all but one statement since then.
Product: Vehicle loan or lease

The bank increased my pay off amount from {$16000.00} to {$17000.00}. for no reason. when I ask. They claim late fee,
Product: Debt collection

Company Making RoboCalls : Municipal Services Bureau Their Phone Number : XXXX My Complaint Against Them : I am retired and have been debt-free for over 30 years now. I keep getting RoboCalls from this company, and they do n't even mention me by name when-making these automated-calls ... which leaves me to believe it is some kind of SCAM or MISTAKE on their-part. Perhaps they are 'seeking to find ' someone ELSE, however - it ANNOYS me to be getting 8-10 calls a WEEK from these people ...! Are-they 'human ' - or are-they ... ROBOTS?
Product: Debt collection

The company provided the itemized bill and said the debt was validated, but they did not have records of the payments and did not accept our bank records showing the payments were made. 

In XXXX of 2021 I had blood work done, in XXXX of 2021 I received a bill from XXXX XXXX XXXX. I entered a payment arrangement with them and made {$25.00} payments in XXXX, XXXX, XXXX, XXXX, XXXX, and then in XXXX they took a little over {$13.00} in the automatic payment and then discontinued the payment plan. To me that means it was paid off. I didnt cancel the payments and I fulfilled my end of the agreement to pay {$25.00} a month until the balance was paid off. 

A few months ago we got a notice in the mail that the account had gone to collections and stating no payments had been made on the account. I disputed it, requested verification of all payments, sent bank statements showing two of the payments, and notified them of the violation to the FCRA in that XXXX XXXX XXXX sent the balance to collections without first notifying us there was an issue with their billing. 

From a consumer protections standpoint this appears to be fraud, as we made regular payments and they are claiming no payments were made. 

They sent an itemized bill on XX/XX/XXXX and said the debt was valid and they would continue collection attempts. I called them and asked about the payments we made, they said they didnt have any record. I asked them to pull up my dispute, they verified they had records of two payments but refused to continue the dispute, stop collection attempts, or request additional information from the original creditor unless we sent a record of all payments that were made. 

This is a third party with protected health information that was illegally sent by XXXX XXXX XXXX without a release of health information signed by me in violation of HIPAA, they have evidence that the debt is incorrect, even if just the balance is incorrect due to billing errors by XXXX XXXX XXXX in administering the payment arrangement and recording payments, and they are refusing to cease collection attempts or investigate the payments made. If there was a billing error on the part of XXXX XXXX XXXX, they should have contacted me to correct the error prior to going to collections. This cavalier treatment of my credit report is in violation of my rights under the FCRA. 

The fact that my payments were not recorded is evidence of gross negligence on the part of XXXX XXXX XXXX in the treatment of my financial information. Where did my money go? Did they apply it to another account? Did they likewise lose any of my protected health information that they so readily shared with a third party who couldnt even provide a phone number for XXXX XXXX XXXX? 

Please investigate these companies and help us with this illegal collection practice.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, at XXXX XXXX PST, I deposited {$15000.00} into my Coinbase account. The funds were to be available for transfer out of Coinbase by XX/XX/2024. Upon depositing, I was charged a {$49.00} fee, which was disclosed. However, Coinbase did not clearly disclose a 1.00 % " spread '' fee when purchasing Ethereum, which I only realized after the transaction was completed. 

This 1 % spread equates to an additional {$150.00}, which I consider excessive and non-transparent, especially since the purchase does not involve an open market transaction but rather a purchase from Coinbase 's inventory of Ethereum. Such a high spread is atypical for a transaction of this size in the cryptocurrency market. 

The situation worsened on XX/XX/2024, at XXXX XXXX PST, when I received an email from Coinbase indicating they had concerns about potential fraudulent activity and had temporarily limited my ability to send any crypto until XX/XX/2024. Despite multiple attempts to clarify with Coinbase support that the funds were intended for transfer to my own personal hardware XXXX wallet to which I have previously and successfully transferred {$20000.00} over the past two yearsthe restriction was not lifted. The customer support response was repetitive and unhelpful, redirecting me to a generic help article without addressing my specific situation. 

Coinbase advised that the only way to retrieve my funds was to sell the Ethereum and transfer the money to my bank account, which would incur additional fees, including another 1 % spread and a withdrawal fee. When I requested a waiver for these fees or a refund of the original fee, I was informed that no fees could be waived. 

Deposited {$15000.00} on XX/XX/2024. 
Attempted to address the issue through Coinbase customer support, receiving only generic responses. 
Requested fee waivers due to the circumstances, which were denied.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$77.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$74000.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my TRANSUNION credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$4700.00XXXX XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Truist offers a {$400.00} bonus when opening a checking account. But the online system did not allow me to open an account. It redirects me to go into a branch. When I went into a branch, they said they could open the account for me but I would not get the {$400.00} bonus as advertised. 

This is unfair and deceptive marketing. I have found several other customers online that have encountered the same issue.
Product: Credit card

My bank account was closed with Wells Fargo due to fraudulent investment of {$3500.00} from a employer on XX/XX/XXXX. They gave me a new account then proceeded to close my credit card account that had an XXXX debt around XX/XX/XXXX without giving me any notice until XX/XX/XXXX. Since the closed my credit card account its been reflected on my credit reports and effected my pursuit to get any new credit card accounts.
Product: Credit reporting or other personal consumer reports

I noticed that on XX/XX/2024 I have an unauthorized/fraudulent inquiry on my Experian credit profile from cnba. I also notice on my XXXX I have an unauthorized/fraudulent inquiry from dept of ed. Under the fcra guidelines these inquires need to be removed immediately.
Product: Credit card or prepaid card

I am the court appointed guardian for my mother,  XXXX   XXXX . She is elderly and suffers from  XXXX   XXXX . It is not possible to communicate with her. She maintained a checking account, retirement savings accounts and a credit card at PNC Bank  ( or one of  its predecessors in  XXXX , Illinois ) for many years. It took several attempts to get ahold of the rig ht PNC point of contact but the guardianship was finally established for the checking and retirement ac counts. I make all of mom 's financial decisions and I pay her bills from the checking account. I mistakenly assumed that the guardianship had been added to the credit card.     Mom resides in  a   XXXX   XXXX   ap proximatel y   1,000 miles fro m where I live. My sister lives near our mother and has physical possession of the card. She uses the credit card occasionally to purchase clothing, personal care products, etc. for our mother. I receive the bill for the credit card at my home address and pay the balance due from mom 's checking account. Overall, the arrangement had been working very well.     On  XXXX   XXXX ,  2017  I contacted the  XXXX  number for the credit card and tried to obtain more information about the reward poin ts ( 40,000 + )  mom had accumulated over the years. I would like to use the points for clothing and other items for her. I also wanted to " link '' the card to the PNC website which I regularly use for the checking and retirement savings accounts. I was informed by  XXXX   XXXX  that she could not provide me with any information about the account and I should contact a branch office.     On  XXXX   XXXX ,  2017  I met with  XXXX   XXXX  at the   XXXX   XXXX   XXXX   XXXX   in  XXXX  D.C.  XXXX  seemed to understand the situation and faxed the court documents to the credit card department. She said to allow up to  one  week for the guardianship to be added to the account and then I could attempt to link the card to my online banking as well as obtain rewards information. Two days later I received letters that the credit card was closed in order to " protect the cardholder. '' I took copies of the letters back to   XXXX   XXXX   office on  XXXX   XXXX ,  2017  and asked  XXXX  to contact the credit card department for clarification. She contacted me later in the day and informed me that the credit card department 's decision was unchanged.  XXXX  informed me that I could directly contact  XXXX   XXXX  at customer service. I told  XXXX  that contacting the  XXXX  number at  PNC  and explaining the guardianship situation has NEVER worked for any of the accounts involved here. I have always had to go into a branch office with my identification, copies of the court document, copies of the correspondence or transaction that was in question, etc. and together the branch employee and I could call the other PNC office. I asked  XXXX  to let me know when I could come into her office and together we could call the credit card department but I have heard nothing since.