23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/21 at XXXX am XXXX XXXX of Superlative RM contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me Superlative RM. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
Product: Debt collection

The issue is with XXXX XXXX XXXX. They have been trying to collect a debt balance from the original creditor, Capital One Bank USA NA, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. Capital One & XXXX XXXX has added over {$1300.00} of finance charges. Most recently I called XXXX XXXX on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from Capital One & XXXX XXXX for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankmof america is asking for fingerprints to do business with the bank, this is not even required by law
Product: Checking or savings account

There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really XXXX and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely XXXX they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXXXX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency.

Other adverse information, such as collections or charge-offs, must also be removed after 7 years.

The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Student loan

I am very unhappy I live on a very tight income and yet every time I call they give me options but options I can not afford. I had made a call on XXXX and spoke to a customer service representative that assisted me in regards to my loan. I went ahead and explain to him my situation I let him know that I can not afford to pay this loan my means are tight and I do n't make enough let alone I have to repay credit cards for being out of work for a year and a half. Let alone I am checking my credit on credit karma and find out that my credit score has dropped significantly and it 's all due to this loan I am in urgent need to have this loan forgiven, for I 'm not able to afford to pay this loan. I am struggling right now with my income and trying to catch up with my current bills. Please understand my situation it 's been hard since I graduated from University XXXX have not been able to land a good job with a good salary and I have to eat and I have to have a place to stay and I have to have my transportation. I urge you to please consider me for student loan forgiveness. I have very little income coming in and I pay rent I pay car note and I pay my credit card.
Product: Debt collection

I recently received a copy of my credit report. I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act XXXX has violated my 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 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Checking or savings account

On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries, reported to my credit report, XXXX and XXXX. 

Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I just opened a PayPal account and I got a message that says I can no longer use PayPal due to some suspicious activity. I havent even made a purchase or received any money. Why did it give me that message? 
How can regain the ability to use PayPal? 
Thank you XXXX XXXX
Product: Mortgage

I contacted my lender for refinancing, I 'm current, but my interest rate is extremely high, they refused to assist me because I 'm current on my mortgage payments.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXX XXXX  {$88.00}
Product: Mortgage

We keep getting Unknow fees added to our mortgage payment each month. When calling several times and on phone for long periods of time, none of the employees can answer what these fees are and why we have them. They say email the loan department as they dont take any calls XXXX how can I not even speak with the loan department in 2021 ) and then wait 30 days. You wait and then receive a decline email with no answers. SHELLPOINT MORGAGE-stop taking peoples money.
Product: Credit reporting or other personal consumer reports

Contacted Credence Resource Management over 2 months ago we agreed upon me paying a debt in full of {$110.00} and a deletion would happen. Did not receive a deletion the account is still on credit report. I have contacted Credence Resources several times since agreement was reached and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXBalance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$1100.00}
Product: Debt collection

I was sued by Guglielmo and Assoc. for XXXX. Guglielmo/XXXX won the judgement by default due to the fact I was not given a court date to appear by the attorneys. I was hospitalized during the said court appearance XXXX/XXXX/XXXX. which I could not have attended. I was in default. I am unemployed and do not receive any unemployment benefits. My husband is XXXX and we are on a fixed income. I received a writ of execution in XXXX XXXX to which Guglielmo 's firm had garnished my only {$45.00} that I had in my checking account. I filed a claim of exemption for the monies in my account. XXXX did not object the exemption therefore monies was returned. Guglielmo 's firm filed another writ of execution on the same account in the amount of {$10.00} in XXXX XXXX. Again, I file another claim of exemption, monies to returned. Per Nevada Revised Statute 21.105 ( 2 ). " If a writ of execution or garnishment is levied on the personal bank account of the judgment debtor and the provisions of subsection XXXX do not apply, {$400.00} or the entire amount in the account, whichever is less, is not subject to execution and must remain accessible to the judgment debtor, unless the writ of execution or garnishment is for the recovery of money owed for the support of any person ''. Currently, Guglielmo 's firm is now trying to file a writ on my mother 's account to which I am only a beneficiary. My name is not affiliated as an co -owner of this account. I believe he is on a fishing expedition and to only harass me to place me under duress. Also, I do n't feel I should be charged any of the attorney/filing fees which were added to my judgement because of his " willful intent to garnish '' an account I do n't own. Guglielmo and Assoc. should be sanction and properly discipline for FDCPA " Unfair Practice '' i.e. " A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt : To take or threaten to repossess or to disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed or disabled ''.
Product: Checking or savings account

i transfer money too my td bank account and when I received they closed my account and tell me they will send the check in 90 days, already pass 4 month
Product: Credit card or prepaid card

I opened this card with Citi bank XXXX XXXX, from the beginning has been nothing but problems. Initially I received a card. And was told they had put a block on my account because they could not verify who I was. I then was asked to go into a store with my I'd and social and they then could verify me which that for whatever reason was incorrect I then was told they had to text a phone that they could reach me on of someone living in my household to verify me I have done this multiple times with problems to noavail I then was told they would send me a letter, then I was told I didn't need the letter then I did need it. However have never received it.i asked to add an authorized user to my account big mistake because they shut my card off and reported it stolen. Then sent me new cards which so I was told by them were returned to them. So they shut those off and reported lost or stolen and sent me a new one. I have yet to received it. All of this has been going on since like XX/XX/XXXX and this is XX/XX/XXXX. In the process they have had my account on hold where I can't make payment online or over the phone without this letter that I've never received. So I have not been able to use the original card due to them since I got it, I haven't been able to make a payment because of the hold for this letter to verify who I am yet I have given them everything including my right arm and none of it is good enuff they want this letter that I don't have along with cards I don't have. I've asked to close the account and was told I can not with out this so called non existent letter, I've asked to have the authorized user removed because he is XXXX it's effecting his credit score I was told no they can't until I receive this letter. They reduced my credit limit without my permission or knowledge. Which initially the limit was XXXX and we spent XXXX on the card which was reasonable to keep it reporting good to the bureaus. They now have reported it as late payments yet I can't pay it cause they are idiots and have the account blocked and on hold and then they're going to report it against me that makes sense. Then on top of it they changed my limit to XXXXand are reporting it to the credit bureaus as 98percent usage on the card again their fault not mine. So your list to choose from shows multiple issues with this company and I'm about to get an attorney and sue them for all the headache this whole thing has caused me.
Product: Debt collection

On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.
Product: Checking or savings account

XX/XX/2022 Chime A person came into my account posing as a Chime agent Access my account in lock me out for over XXXX hours and withdraw {$5500.00} from my XXXX XXXX XXXX {$200.00} from my savings Chime is not trying to do anything about the situation even though Ive been in dispute and two police reports,
Product: Credit reporting

Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.
Product: Mortgage

I started the process of applying for a loan assumption with Mr. Cooper in XX/XX/XXXX. Originally, I was given the incorrect email ( XXXX ) to send all of my documents/SS # /personal information to. I followed-up with that email on XXXX and XX/XX/XXXX but never heard back from them. Eventually, I found out from my previous lender that it was a different email I needed to send this stuff to, which was XXXX. I re-sent all of the required documents/forms to that email on XX/XX/XXXX. I followed-up with them on XX/XX/XXXX and at that time I didn't receive any status. Finally, I follow-up on XX/XX/XXXX with their customer service and they could only tell me that my application was denied for missing documents. They could not and would not tell me which document ( s ) I was missing. They would not allow me to speak to the loan assumption team. They would not let me speak to a manager. I was never contacted about my loan assumption application by a loan officer or even informed that it was denied. Customer service simply told me to apply again. Furthermore, during all this time, they failed to inform me that my loan number changed and they suddenly changed my address on file to a home that I lived in two houses ago.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the mishandling of my dispute for a {$99.00} charge by XXXX XXXX on XX/XX/year>. XXXX charged me a baggage fee at the gate for a personal item that met their size requirements, as confirmed by the sizer. On my outbound flight with the same bag, no fee was charged. 

I disputed the charge through Capital One, but they denied my claim without adequately considering the evidence I provided, including my bags dimensions and details of the airlines policies. I believe this decision was unfair and inconsistent with proper dispute resolution practices. 

I am requesting a review of my dispute to ensure it was handled fairly under applicable consumer protection laws. 

Thank you for your attention to this matter.