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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

LJ Ross associates is paid and is still reporting to my account. This has legitimately paid and it is hindering me purchasing my home. The amounts are {$310.00}, {$230.00}, and {$180.00}.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX  XXXX Inquired on XX/XX/2022 2022
Product: Prepaid card

I attempted to use my amex giftcards ( x XXXX  ) at multiple sites online where amex is accepted ( XXXX, XXXX, XXXX ). The transactions continued to decline even though I had sufficient funds. This all occurred today. 

I called amex gift card customer service and they stated it was a merchant issue, not their issue. They told me to continue to try it on other sites. 

Every time I try it it continues to decline, then charges at {$XXXX} transaction fee. 

I have now {$XXXX} in Amex giftcards that I can not use. 

I also purchased an Amex giftcard for a friend before I knew this was an issue. Within an hour I tried to cancel this purchase when I found out these cards don't work but they refuse to cancel it.
Product: Mortgage

During a serious hardship, I was misplaced from my home due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The mortgage is in my name only, so I had to pay my mortgage by myself, while I stayed at extended stay hotels, additional expenses, until the divorce was finalized, then I could return home. Due to my ex not paying any marital debt, I had to pay all the bills. I needed help financially, I contacted the mortgage company for forbearance assistance, I was told not to worry that there would be assistance, instead I was given a 6mo repayment plan, much higher than the original payment amount, no other options and was forced to repay starting the following month. I agreed to the terms and paid accordingly, after the forbearance was paid off, I was hit with a 2 months late credit hit of XXXX XXXX and I had no idea that would occur. As well, I was told that I owed additional escrow since the repayment agreement plan amount of {$1300.00} ( started in XX/XX/2022 ) occurred before the escrow was completed in XXXX, which was added to that payment and the subsequent. So I dont understand how I still owe as much as {$340.00}, but there was no awareness until after the forbearance was paid off and they are still holding my mortgage payment, saying theres only a credit of {$740.00} which has not been applied, and I paid the amount due of {$1000.00} as the normal mortgage payment starting in XX/XX/2022. Not until that payment was made, did I get charged with escrow XXXX, taken from my mortgage payment, causing my account to appear a month behind, this practice is not fair to the consumer, paying the late fees is better than penalizing good paying customers for years, when they are already trying to avoid foreclosure and stay in good standing, I dont understand how that benefits the company to hurt its consumer financially by hitting their credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account. 
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX XXXXXXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXXXXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.
Product: Student loan

Submitted ( PSLF ) XXXX proof of certification of employment for loan forgiveness ; and again on XXXX, but due to COVID the certification was dated XXXX. I was not denied in XXXX, but FedLoan said I did not qualify, must make 120 qualifying payments. I do qualify for loan forgiveness but am getting the runaround with FedLoan servicing. I did make payments since XXXX and worked for a public entity ( XXXX XXXX XXXX XXXX for XXXX years and XXXX.
Product: Credit card

I've consistently avoided overdue payments on this account, always paying on time. I am unclear about why there are reports of late payments on my account. As stated in 15 USC 1666b, this billing error needs correction.
Product: Debt collection

I am disputing the collection account with ROUNDPOINT MTG, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that ROUNDPOINT MTG, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Payday loan, title loan, or personal loan

Someone by the name of XXXX XXXX from Light Stream Loans promised me a loan, but instead by bank account was closed due to bad checks being deposited into my account. XXXX XXXX was submitting the checks but did not inform me the checks were bad. He instructed me to purchase gift cards after the funds were available. I followed his instructions but did not get the loan as I was promised and my bank account was closed due to the checks coming back bad. This is bad business and it is illegal. I should not be made as the guilty party considering I did not right the checks or deposit the checks. I am the BORROWER in this instance, NOT THE LENDER ( Light Stream Loans ). Can someone at Consumer Financial Protection Bureau please look into this for me and find out what is going on?
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX This incident has been ongoing since at least XXXX. 
Previously, I had an oxygen concentrator, which was returned to XXXX at XXXX on XXXX, because my doctor tested my overnight oxygen levels and found that I no longer needed the supplemental oxygen. 
On XXXX, I received a statement from XXXX at XXXX for charges for the oxygen concentrator for the months of XXXX, XXXX, and XX/XX/2022. At that time, I spoke with XXXX from XXXX at XXXX, who indicated that an annual approval from my insurance company, XXXX, was required for use of the oxygen concentrator. She stated that she would check with XXXX to obtain the necessary approval. She also stated that, if the authorization was not received, these charges would be written off. 
My next statement, dated XXXX, indicated that these charges were still outstanding. In addition, there was a charge for {$60.00} for new XXXX supplies. I paid the {$60.00} online on XXXX and received a receipt via email. 
I received my next statement, dated XXXX, which indicated that nothing had been paid as of this date. I spoke with XXXX from XXXX at XXXX ( XXXX ), who said that I should ignore this statement, because the pre-authorization had gone through. 
My next 2 statements still indicated no payment had been made. I called XXXX again, and again, she said to ignore the statement charges. She said she was going to contact customer service and that this bill was supposed to have been escalated for payment on XXXX but, instead, it was sent to collections. 
I spoke with XXXX again on XXXX, because my XXXX statement still indicated no payment AND I received notification from XXXX XXXX XXXX XXXX XXXX that {$60.00} had been sent through to collections. She stated that the {$60.00} was applied incorrectly to the XXXX oxygen concentrator charge and that it was re-applied correctly in XXXX. She further stated that she would check with XXXX re : payment. 
I have now received a new statement dated XXXX, and the charges for the oxygen concentrator for XXXX, XXXX, and XX/XX/2022 are still showing!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - DEPAR XXXX XXXX XXXX XXXX To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX
Product: Debt collection

For years, I have been receiving calls, from a debt collection company, well and far past, the statute of limitations, for a $ XXXX debt, from a medical imaging service, So, many, years, have gone by, I am not sure, that, there, was an original debt. There is no harassment, because, the continuous, calling, is a recorded, loop call, similar, to a robotic message, that tells, us to call XXXX ( from which, the calls originate ), or XXXX, which may or not, be an office. The name of the company is ICS debt collections.

I tried to speak, to someone, many years ago, and tried, to explain, that, I could, find nothing, of the alleged, XXXX debt. I also, tried to explain, to them, that in, calling, me over, and over, again, within, the past 5 year, has turned, into some form of harassment. 
The man, at ICS, I did no retain, his name, responded, by saying " JUST PAY THE DEBT ''. Now, in 2020/XXXX  XXXX, at XXXX, the cycle starts, again. All I can say is " HELP '', this company has joined themselves to me like a marriage, and I want a divorce, from XXXX, I hope, that you can, stop, these, unwanted calls Thank you in Advance. 
XXXX XXXX Footnote : Seniors like us, who keep our landline phones, are grossly, called by, potential scammer, daily, with robocalls, it is a real and serious issue.
Product: Credit reporting or other personal consumer reports

I never received a credit card from XXXX XXXX XXXX XXXX DELETE/REMOVE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was charged on my Capital One card for this ROKU/Britbox streaming service for {$95.00} in XXXX, I informed them I was not paying for the service, as I have not been able to access the streaming service since XXXX XXXX. They set up a case # XXXX. They issued a credit for the amount. Then a couple months later they recharged me for the same amount. I contacted them & said I was not paying it. The complaint desk said I needed to cancel the service. I thought I had done that though TV account last year. They gave me a phone number to call. I have & that has lead to an web address that list about 25 different companies to contact. None of those match XXXX XXXX 
Now I am being charged interest, past due payments, etc. Plus who knows what other impacts to my credit. These streaming services are very challenging to access. 

I would appreciate your assistance in clearing up this mess. 
Thanks.
Product: Credit card

In XXXX of XXXX I received multiple dubious charges for " cosmetics. '' These were for {$99.00} on XX/XX/XXXX, {$99.00} on XX/XX/XXXX, and {$190.00} on XX/XX/XXXX. 

I called on XX/XX/XXXX with concerns about these charges. I indicated I did not authorize the charges, and that they were fraudulent. I was instructed they would be changing my credit card, and assured they were taking care of the charges. I was not told I needed to follow up on any online site to ensure my chargeback went through, I assumed because they were obviously fraudulent. 

The charges were indeed reversed and I went about my business. 

On XX/XX/XXXX, I was troubled to find out that the charge for {$190.00} had been reversed and I was again charged for this fraudulent sale. Apparently there was a " message center '' that was used to contact me about additional information. This should have been unnecessary - as the paperwork was obviously fradulent and used a fake email, claimed that I was using a pakistani IP address to make the purchase, and invented a fake email for me. 

During the time that this " message center '' request was made, I had logged into the citi.com website and logged in to make a payment. At no point was I given any indication that I needed to follow up on my fraud chargeback. In fact, from what I can see the message center is inaccessible from the mobile citi.com website that I use for the Costco credit card to pay bills. No attempt was made to call me or send me a letter in the mail. 

I called and explained, again, that I had never purchased cosmetics, ever, on this card, that the information used for my email was fake, and that I did not authorize any purchase. The individual I spoke with told me they would reopen the investigation. That seems to have ocurred, but my charge is still showing on my account. I was not given a timeframe. 

I emailed that same day ( XX/XX/XXXX ) to the email address provided for chargebacks with a good deal of information on why the " evidence '' supplied by the criminals in this matter should never have been accepted given some obvious problems ( IP address in XXXX, fake email address, didn't actually list a product, etc. ) I called today ( XX/XX/XXXX ) and was told that they would not remove the charge from my account during the investigation. The invidual claimed it would take up to 60 days to get a resolution. I pointed out the dubious nature of the evidence provided and the rep. from citibank security refuesed. He also refused to escalate my complaint to a supervisor. Supposedly I will get a call but I don't trust it will happen.
Product: Checking or savings account

Two months ago I removed my name off my ex husband bank account with Whitney Bank XXXX XXXX, LA XXXX spoke to manager XXXX. I had my old bank account on my XXXX Account they deposited my {$250.00} into my old account with my ex husband. 

I called Whitney several times to explain that the {$250.00} was deposited into a account I removed my name two months ago they told me I couldn't do anything about it. I called several times and my concerns were ignored by several employees saying nothing I could about it. The {$250.00} needs to be be reversed from his bank account. 

The money {$250.00} went to XXXX XXXX account. 
My name is XXXX XXXX XXXX XXXX
Product: Mortgage

We are a XXXX XXXX in Texas and we have been attempting to retrieve the Release of Lien from The Loan Depot, and their Servicer, XXXX XXXX XXXX. We handled a purchase transaction for the seller, XXXX XXXX XXXX and XXXX XXXX XXXX. We have 3rd Party Authorization signed twice by the sellers, as well as a copy of their drivers license, a request by XXXX XXXX XXXX We wired payoff funds to XXXX XXXX XXXX XXXX XX/XX/2022. Multiple calls to the Servicer, letters and emails, phone calls, and a phone call to the CFO of Loan Depot, XXXX XXXX have not produced the Release of Lien. We have jumped through every hoop, and provided everything they have asked us to. We are approaching 120 days. I have attached our documented attempts to acquire the Release of Lien, Proof of wired funds, Payoff Statement, both 3rd Party Authorizations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( Equifax ), XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX ), XXXX   XXXX, AccXXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Equifax. XXXX ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, Equifax. XXXX ).
Product: Checking or savings account

My name is XXXX XXXX I have been banking with Wells Fargo since XXXX I might be a victim of a lot of these practices. I haven't received any kind of letters from Wells Fargo addressing any of these. Plus I am a minority that has a home loan with you and tried to get my interest rate lowered and they wouldn't do that numerous times I have had the loan almost 30 years now. Numerous times have you charged me fees overdraft fees for having an account. Account gets hacked a lot credit monitoring services etc. Would like some more info if possible and how to file for compensation. Please Thank you for your time.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a letter/bill from Resurgent Capital Services in the amount of {$610.00} and there is a derogatory mark on my credit report with XXXX. Upon further research, this account was sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Resurgent Capital Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.