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

I've been a loyal customer of XXXX for over a decade. I have never been late in paying my account and am always current. I am still a XXXX  customer just to state the facts. XXXX opened an unknown account and there is a small balance of {$150.00} that is opened and has gone to collections due to their error. This small error has affected my credit tremendously and has left a negative mark on my credit report. Please remove this error and fraud account.
Product: Credit card

This is related to a previous complaint I had filed ( XXXX ) I am filing a new complaint because I do not believe that Barclays has XXXX investigated this matter- I have email documentation that I attempted to cancel the MagicJack account, as a description of their policies from the time I canceled. 

On XX/XX/XXXX, I tried to cancel a service called XXXX service for XXXX through the procedure listed on their website, by turning off auto-renew for billing. 

However, I was still charged for the service for the year XXXX on my Barclays credit card. I emailed and called XXXX customer service but could not get a customer representative to resolve the issue. I have an email exchange with a customer service representative from XXXX starting from XX/XX/XXXX. As a result, I opened up a dispute with Barclays. Barclays opened an investigation but closed the investigation promptly without asking us for documentation. As a result, I filed a complaint with the CFPB. After that, Barclays reopened the investigation and provided me with a contact to ask about the investigation. 

Recently, Barclays informed us that they had closed the investigation again. When I called Barclay 's to inquire about the investigation they claimed XXXX had no documentation that we had tried to cancel the service. Barclay 's did not fairly investigate this issue or ask us for the documentation we have on hand. 

Barclays has asked us to pay the charge for XXXX in XXXX but we do not feel like they have properly investigated this.
Product: Credit card or prepaid card

I ordered a sofa using my Goldman Sachs card. After many delays over 8 weeks, I attempted to cancelled the order. The retailer refused to cancel the order. I opened a dispute with Goldman Sachs. A few days later, the carrier contacted me, trying to schedule a delivery of the sofa, which I refused. I provided all documentation to Goldman and just received an email that my dispute was NOT resolved in my favor due to : " The evidence we received confirms that the merchandise was delivered '', when in fact, I NEVER took delivery of the sofa. To prove this, I have the ORIGINAL email the carrier sent me back in XXXX. Subject reads : XXXX XXXX XXXX : Your order XXXX has been delivered, body states that XXXX has the items and will contact me to schedule. This email states in the subject that the furniture was delivered when in fact it was not. I suspect the retailer provided a similar email when the second attempt at delivery was made in XXXX, which AGAIN, I did not accept and refused the delivery via email, in response to the same. I have attached the email threads in PDF format of the delivery attempts, and have multiple additional emails around the XXXX week delay, if needed.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
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 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 Under the Fair Credit Reporting Act conversion Account numbers has violated my rights.

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.
Product: Credit reporting or other personal consumer reports

I have disputed some items with Experian and filed a compliant due to them not taking action. I have mailed them my proper identification and they emailed me today with my dispute results. However, none if the items were investigated, address and names were not removed, and I have no knowledge of their what their dispute results are. This has also taken much longer than 30 days.
Product: Credit reporting or other personal consumer reports

Ive noticed some inaccuracies on my credit report, as outlined under 15 USC 16c-2. The incorrect information is damaging my creditworthiness.
Product: Mortgage

We have a discharge date of XX/XX/2021 from a XXXX XXXXXXXX Plan. Selene Finance who holds our Mortgage refuses to send us any statements or speak with us. They also have not reported to the Credit Agencies that we have an active Mortgage at all. Since our case was discharged our counsel will no longer help us address this continuing problem. We have spent countless hours calling, leaving voicemails and emails to Selene Finance showing them that the bankruptcy court already closed this discharge, however they still will mot speak with us or change our Loan to show that we even have a mortgage to the creditors.
Product: Credit reporting or other personal consumer reports

In accurdance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated ry rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have disputed this account and I believe they still have not been reviewed or investigated correctly. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

Unknown Debt Collector This account is showing the original creditor is XXXX, but who is the debt collector attempting to collect the debt? They have not disclosed themselves in this report as you can see their name is missing. This debt is invalid. In addition, this account is showing Account Disputed with NO LAST VERIFIED DATE. This debt was not verified with the 30 day investigation period allowed per their own records of the absent XXXX XXXX date. They even acknowledged the dispute per their remarks but still did not correct their reporting XXXX. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any erroneous accounts from my credit report. Can you review the documents? Several accounts listed have reporting errors, including incorrect amounts and dates.
Product: Debt collection

My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.
Product: Credit reporting or other personal consumer reports

I requested that they show proof the judgement belonged to me and they didn't
Product: Mortgage

XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/18 we  submitted a request for a payoff. We were told 5 to 7 days turnaround see below request. 

Payoff Name : Selene Finance LP Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Fax : Email : Loan # XXXX Original Loan Amt XXXX Order Task Comments : Good Thru Date Ordered : Deliver to : XXXX ( XXXX ) or XXXX Payoff Order Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : FAX Phone : ( XXXX ) XXXX XXXX Name : N/A Fax : ( XXXX ) XXXX Email : n/a Approx. Lender Turn Time : 5 business days Good Thru Date : XX/XX/2018 Date : XX/XX/2018 As of XX/XX/2018 we still had not received the payoff. We requested again, see below. 
Payoff Track 1 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX Date : XX/XX/XXXX As per CSR XXXX, they received the request and the PO is scheduled to be ready on XX/XX/XXXX. 

Payoff Track 2 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 As per CSR XXXX, they received the request and is in process. 
We should receive it on XX/XX/XXXX. 
*** Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX Date : XX/XX/2018 Additional Comments : The CSR XXXX is escalating the request to have it as a priority. She said that we can get the PO faxed thru XXXX sometime today. 
Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : CSR : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 Additional Comments : As per csr XXXX they did have the request on files and also they sent it to us but since we dont have it on files she will resend it to us by fax. 
This is now XX/XX/2018 we nor our customer has received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aye ongoing on problem with XXXX and XXXX, Also trans union for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
Product: Bank account or service

I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS is reporting my personal financial information to the National Credit Reporting Agencies : XXXX, XXXX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!
Product: Money transfer, virtual currency, or money service

Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more tha 6 months and It won't let me access it. 

I have changed all my passwords, the card is correct and everything seems fine. 

I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. 

I need it to pay my bills. I've written more than a hundred e-mails and I always get generic responses. Can someone please help me? 

XXXX XX/XX/2021 I have approximately XXXX. 

COINBASE CASE : # XXXX Thank you, I await a reply.
Product: Checking or savings account

Hi I have concerns with my checking act. issues by XXXX ( Chime ) There seem to be an issue with ledger balance, mathematically it does not add uo. 
I also have issues with indvidual access my acct. The allege has access to my personal information. I also believe that this an effort of several to fraud lending institutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Violation of Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. 

Refer to Case : Synchrony Bank, XXXX GE Capital Retail Bank XXXX XXXX XXXX XXXX XXXX XXXX CFPB Orders GE Capital to Pay {$220.00} XXXX in Consumer Relief for Deceptive and Discriminatory Credit Card Practices XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had brought him in around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He was in perfect time for the vet to induce vomit. The Vet, however, asked a few general questions and sent us home. 
On around XX/XX/2021, I was offered the option of paying with CareCredit. I was approved for part of the XXXX XXXX  {$4900.00} with 6 months no interest. As I was signing up, I was offered Debt Cancellation product in the event I lost my job. When I inquired over the phone about further information on the program, I was told it would be mailed to me. I was not told that I was ineligible for the program. Given the grave circumstances my dog was in, and the uncertainty caused by the Covid-19 pandemic, I accepted. 
Had they provided details on the card security program, I would not have accepted the debt or the payment protection at all. Instead, I would have put it on one of my XXXX XXXX cards. 
Fast forward 6 months, XXXX XXXX XXXX XXXX XXXX I wasnt sure whether to submit a claim or not. When I called to learn about the details of the program I was pointed to a website XXXX  which was down. 
I could not access any of the information necessary to file a claim. Much later, after deceptive practices attempting to keep me from filing a claim, such as the website is down still, well mail you the claim forms and weve canceled your debt cancellation product without your knowledge, I learned that I was not even eligible for the product given that I worked for myself. 
I am a victim of Harmful, unfair and deceptive marketing practices, which are in violation of UDAP : Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. 

For more details and proof of FTC Violations, see CFPB XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SECOND COMPLAINT : Response to XXXX XXXX ; CFPB Case # : XXXX Reference Numbers : XXXX, XXXX I am writing to formally dispute the validity of the debt assigned to Resurgent Capital Services and to notify you that I am a victim of identity theft. The following legal provisions support my claim : 1. Unauthorized Sale or Transfer of Debt Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a creditor is not permitted to sell or transfer my debt without my consent unless it is in accordance with specific legal and contractual provisions. I have reviewed my original agreement with the creditor, and at no point did I provide explicit authorization for my debt to be transferred or sold to Resurgent Capital Services. If Resurgent Capital Services is unable to provide documentation proving my explicit consent, I demand that this debt be removed from my credit file immediately. 
2. Identity Theft and Data Breach Considerations Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), a debt collector must cease collection efforts when notified of identity theft. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), a consumer has the right to block fraudulent information resulting from identity theft from appearing on their credit report. 
I have reason to believe that my personal information has been compromised due to a data breach, with my details found on the dark web, including my banking information. As a result, I can not verify the legitimacy of this debt. I request that Resurgent Capital Services acknowledge that I am a victim of identity theft and cease all collection efforts. 
XXXX. Payment Made Under Duress I have made payments to Resurgent Capital Services solely to prevent negative credit reporting and to avoid late fees. However, upon learning that my identity was compromised, I have determined that I should not be held responsible for this debt. Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1666 ), I have the right to dispute fraudulent charges and demand that any unlawful reporting of this debt be corrected.

Request for Immediate Action Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that : 1. Resurgent Capital Services immediately cease all collection activities related to this disputed debt.

2. Resurgent Capital Services provide verifiable proof that I explicitly authorized the transfer of my debt from the original creditor. 
3. All reporting of this debt to credit bureaus be corrected to reflect its disputed status, and if necessary, removed under the identity theft provisions of the FCRA. 
Failure to comply with these legal obligations may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
I expect a written response within 30 days, as required by law. Please direct all correspondence to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Product: Money transfer, virtual currency, or money service

About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them