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

On XXXX XXXX a representative from XXXX XXXX XXXX XXXX called me and advised me about a payment of {$840.00} was due on XXXX. He then walk me through the bank app to make the payment. I made a payment of {$870.00} on XXXX, I enclosed a copy of payment. I received a late payment from the bank and my payment was made a day before the due with their representative and he confirmed it once I made the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. XXXX refuses to remove this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XX/XX/XXXX - {$1000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERENCES are any payments. Whether good or bad, late or on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account of student loan bill created that does not belong with my info or should be affecting my credit score. 
{$1700.00}, {$2500.00} that I do not owe. 

The creator of this fraudulent account does not have contact number for return call, inaccurate info regarding appointment.
Product: Checking or savings account

I met all requirements of depositing XXXX into a checking account and 1 ) leaving it for 2 months and 2 ) keeping the checking account for 90 days to receive promotional reward of {$600.00}.

I have not received the reward and its way passed the due date. I have reported this to citi and they keep saying they will work on it and its now been over the timeline of them promising a resolution.

Checking the internet it seems citi is known to not pay their promotion rewards. Please see attachment for objective evidence. Please assist
Product: Credit card or prepaid card

XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.
Product: Debt collection

I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''
Product: Credit reporting or other personal consumer reports

CFPB know as you were aware of case so you seen that I was a victim of the data breach with Equifax. I let XXXX  know that I was a victim of this situation and they did nothing. Please follow up and make XXXX  delete these from my credit report
Product: Checking or savings account

XX/XX/2022 XXXX NOT MINDS
Product: Mortgage

Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.
Product: Checking or savings account

From XXXX my wells Fargo checking account was frozen at least 3 times without notice, 2-4 suspicious overdraft fees. Purcase disputes, fees charged after making XXXX plus purchase throughout the month.
Product: Debt collection

I get multiple calls a day from Sage Capital Recovery from ( XXXX ) XXXX. They do not leave any information identifying themselves as debt collectors. I had to do a reverse phone number search to see who has been calling me. 
I called them on XX/XX/year> and told them to take my number off their contact list. Agent stated that " They don't have a list. All phone numbers are attached to accounts '' and then asked for my name. I refused to give her my name and told her that they need to stop calling my phone number because I am calling them to formally tell them to stop calling. I informed her that they have been violating the Fair Debt Collection Practices Act by calling every day/multiple times a day and she became rude on the phone. Agent then said that " because I called their office, they have every right to continue to call me ''. I told her that I would be reporting them to the FTC because they are calling more than what they're legally allowed to do so. Agent became more and more argumentative so I hung up on them.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX  XXXX - XXXX - Please delete this item immediately. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an account without my written instructions 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 or 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 data is inaccurate.
Product: Debt collection

I was informed by the credit bureaus that a collection was placed on my credit report. I had been informed by XXXX  that my identity was stolen on the dark web. .And that accounts were open and paid on monthly basis in my name. Also a car was also purchased and paid in my name. Now this company has placed a collection on my credit for the amount of XXXXThis company has never called me or notified me in any type of way about this account. .I was informed by the credit bureaus that this collection had been placed. I have never had a loan with this company. I never signed any paper work with this company. The company name is NBC MANAGEMENT SERVICES, INC. I would like this company to show my wet ink signature which i no they cant because i never took out a loan with them. This is identity theft. Also an old address was used. I have never heard of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 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. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Student loan

I currently have 4 Direct Consolidation Loans serviced at FedLoanServicing. 

Following the XXXX pandemic, the Federal Student Aid website ( XXXX XXXX XXXX ) states that Any payment you made during the administrative forbearance period (XX/XX/2020, through XX/XX/2020 ) can be refunded. Contact your loan servicer to request that your payment be refunded. 

On XX/XX/2020, I submitted an online ( https : //accountaccess.myfedloan.org/contactUs/index.cfm? event=sendUsAnEmail ) email request to FedLoanServicing to get a refund for my XX/XX/2020 auto debit payment in the amount of {$540.00}. On XX/XX/2020 at XXXX XXXX, I received an automated email reply with subject line FedLoan Servicing confirms receipt of your email that stated, Thank you for contacting us. In response to your email, we wanted to share some of the information that our customers have found most helpful to answer your Billing & Payment questions. The email additionally provided web links to Frequently Asked Questions and also stated that, If you can't find what you need online, give us a call at XXXX and speak to one of our experienced loan counselors. 

It has been 48 days since my initial request, and I am concerned that FedLoanServicing is not processing my refund request that I sent them on XX/XX/2020. 

I would like to seek out the assistance of the US Consumer Financial Protection Bureau to ensure that the refund of my XX/XX/2020 payment is processed by FedLoanServicing.
Product: Mortgage

Dear Consumer Finance Protection Bureau, I filed Case number : XXXX on XXXX XXXX, 2017. HSBC replied that it needed additional time to investigate this complaint before submitting a final response. I received a letter from HSBC dated XXXX XXXX, 2017 that it plans to transfer this loan to XXXX effective XXXX XXXX, 2017 and that the loan terms would not change. In essence, HSBC is attempting to absolve themselves of this fraudulent transaction by transferring the loan. CFPB must hold HSBC fully accountable and not allow them to " pass the buck '' and demand that HSBC grant the injunctive relief requested in my complaint. A copy of the correspondence received from XXXX XXXX, Senior President, XXXX XXXX XXXX is attached for your review.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting an alleged bankruptcy and stated it was verified. I myself reached out to the federal court house clerk of court and they stated that courts do not release any court filings and documents submitted to pacer does not provide enough information to identify any individual because its protected information furthermore neither credit bureau provided me with paperwork that had my signature proving that the bankruptcy filing was indeed mine. This is required under FCRA.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed XXXX.
Product: Credit card or prepaid card

Originally, I was supposed to take a trip in XXXX that was booked and charged onto my Barclays credit card by XXXX XXXX through XXXX. Due to COVID, it was cancelled ( services not delivered ). Through a long and drawn out process, XXXX  finally agreed to refund me ( documentation attached ) for 4 tickets totaling {$1300.00}. I had filed a DOT complaint and a credit card complaint. XXXX  told me ( via XXXX ) that they couldnt process the refund with the credit card complaint ongoing, so I cancelled it ( documentation attached ). This was XX/XX/2020. 
When I never received the refund, I sent a certified letter to Barclays ( attached ) asking to reopen the complaint on XX/XX/2020. I called the day after it was received and verified everything was in the works. I was assured everything was being reviewed. When I heard nothing 63 days later, I called for am update. I then received this confusing letter saying I could be refunded because I authorized the charge ( attached ). When I called for an explanation, they told me that they can not refund me because the complaint had been closed in XXXX and could not be reopened. 
I had provided clear documentation that XXXX had agreed to a refund. XXXX  will not speak to me directly and says that theyll only speak to my booking agent, XXXX. In the complaint to Barclays, I attached several emails documenting that XXXX has attempted to follow up with XXXX to no avail. Dozens of attempts to XXXX  have been made by XXXX and myself on the phone and through email. 
Thank you for your 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency
m

ay 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: Credit reporting

In complaint XXXX, Equifax wrote that they verified the date the XXXX credit card accounts ending in XXXX and XXXX were opened. I have received official correspondence from XXXX XXXX executive offices stating otherwise. Equifax has repeatedly indicated they verified the XXXX credit card accounts, WHICH THEY HAVE NOT. See the attached letter from XXXX. These inaccurately XXXX credit accounts were not investigated properly.. I have asked for full proof of Equifax 's investigations in the past and the letter from XXXX XXXX XXXX offices confirms they did not verify the accounts. the account open dates are wrong.
Product: Mortgage

During the refinance Process with Sofi from XXXX XXXX of XX/XX/2020, my property taxes were paid out to my government from XXXX XXXX. Sofi is now carrying a very high escrow balance that is not needed, and I need to be refunded that amount. I spoke with a customer rep for Sofi in XX/XX/2020, and she stated that I would be refunded the excess amount after my XX/XX/2020 payment was made and the escrow balance was reassessed. That did not happen. ON XX/XX/2020 I contacted Sofi again, and get getting hung up or dropped from the call, and no one could help me rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a part of the Equifax XXXX XXXX and I am trying to protect myself from being a victim of identify theft because my information has already been leaked. I am protecting myself from potential risk.
Product: Money transfer, virtual currency, or money service

Coinbase promises {$4.00} for taking a lesson about learning about Coinbase wallet. They do not mention that I have to sign up for the wallet until I'm almost through the lesson. I can't complete the lesson without doing the wallet thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a client of XXXX XXXX, where are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My credit score has only gone up XXXX point with Trans Union. Can someone explain to me why I have two accounts XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.