23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX  I called Relicard Customer service to order a replacement card. The duration of this call from start to finish was 6 minutes and 58 seconds. The representative I spoke to gave me the option of priority shipping at the cost of {$15.00} that would be deducted from my card. I choose this option. The representative then advised me to callback Friday morning for a tracking number to track the shipping of my new card that will arrive on Friday. She explained it was important to callback for this tracking number, so I was aware of the time it would arrive since a signature was required upon arrival. 
XXXX XX/XX/2020 at XXXX XXXX  I was on hold for approximately 1 hour and 41 minutes. ( Total call duration was 1 hour and 49 minutes ) The representative I spoke to was at first unable to find my current account information. This representative was extremely unprofessional. After she was able to access my account information she advised my card would arrive in 7-10 business days. I then tried to explain what I was advised on XX/XX/XXXX, and tried to get an explanation to why priority shipping was not applied. She then repeated herself, very impatiently that the card would arrive in 7-10 business days. I then asked for the representatives name that I spoke to on XX/XX/XXXX. After a brief hold she advised there were only initials in the file, no name provided. This representative then repeated the time frame within the card will be received and asked if I had anymore questions. I said yes, can you see if the charge of {$15.00} was applied for the priority shipping. She then repeated again, the time frame in which the card will arrive was 7-10 bussiness days. At this point I am begging her not to hang up, as you can hear in the recorded call she wants to end this conversation. I wanted to speak to a supervisor at this time. The representative then hung up on me abruptly. I have never dealt with someone so unprofessional in a customer service department. I am extremely disappointed in the lack of service 's provided by both representatives. The representative on XX/XX/XXXX was very unhelpful, inpatient and just quite rude. I am considering opening another account with a different bank and receiving direct deposits for my unemployment, just to avoid dealing with a Relicard representatives again.
Product: Checking or savings account

We are a regulated mutual fund. 
Signature Bank opened the account on XX/XX/XXXX, after a process that lasted 2 months ; the account was funded with $ XXXX shortly thereafter with a transfer from our own account with XXXX. On XX/XX/XXXX Signature sent a letter stating that the account will be closed on XX/XX/XXXX. They didn't provide any explanation for that. 
We contacted them by email and phone but they didn't explain the reason for their decision. 
I talked on the phone with Mr. XXXX XXXX, " Senior Vice President and Group Director '', who arrogantly told me that " compliance would not disclose the reason '', and that we can tell to our investors " whatever we want '' about this problem. He added that " banking is a privilige, not a right ''. 
The only activity carried on on the account was that first incoming wire from our own account with XXXX bank. 

We would like to know the reason why the account was closed. By knowing it, we could find a way to remedy if there is something wrong or something that the bank doesn't like. 

With this action the bank is causing harm to our investors, who are facing huge losses as a direct consequence of the closure of the account ; this also has consequences on the sales of securities in the USA. We believe that while a bank has the right to close a customer 's account, it also has a fiduciary duty towards its clients and in general towards investors and the marketplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank sent my checking account closeout check {$6000.00} via XXXX  to the wrong address and it was fraudulently cashed Citibank sent me the avidavid of forgery and other paperwork which I immediately returned to Citibank with the police report. It has been over a year since Citibank has taken my money. I demand Citibank return my money.
Product: Credit reporting

Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-beingat risk.
Product: Credit card or prepaid card

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Avant/WebBank adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Avant/WebBank, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Mortgage

Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX  XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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: Bank account or service

I opened an overdraft line of credit in 2010 for an annual fee of {$50.00}. The fee is billed each XXXX. This year I decided the ( LOC ) annual cost was n't worth the annual fee. On XXXX XXXX I paid off the balance on the LOC. On XXXX XXXX I went to the bank branch and told them I no longer wanted the LOC. I was told that I had to submit my request in writing. I later called customer service and explained that I no longer wanted the LOC. I then received a LOC statement charging me the {$50.00} annual fee and some residual interest ( {$4.00} ) from when I paid off the LOC. I called the bank 's customer service and was told that I had to pay off the LOC before they could close it.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.
Product: Debt collection

I made a request in writing to this lender to stop calling me at my home, cell and place of employment but they still continue to call me non stop.
Product: Money transfer, virtual currency, or money service

Scammer used the pretext of being a member of XXXX fraud department tried to scam {$470.00} from my credit card after setting up a Remitly App account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my XXXX  XXXX  account and I have a debt collection from XXXX  XXXX. I have not had an account in my name for them in years and as far as I know I do not owe them any money.
Product: Debt collection

JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX A 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 a 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding zelles handling of disputes particularly in line of the recent XXXX lawsuit, highlighting significant issues with platform, despite using the numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim. They informed me that covering loss fund was impossible and I tracking these transactions was unable the XXXX findings indicate that Zelle has not only neglected to protect customers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX # XXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.
Product: Mortgage

Responding to Bank of America, s XXXX page response with incorrect decision to foreclosure on XX/XX/XXXX, on home with loan that was eligible for modification but was turn down and if you look at the loan the actions of Bank of America shows a openly appearance of Bias and Prejudice against XXXX XXXX that was on social security XXXX with not knowing much about realastate and trained professionals in realastate set me up for failure with a loan that was unreasonable, flake appraisal that no one can come up with a record or company that gave the appraisal.Bank of America apprised the home at XXXX and gave a loan at XXXX, seting homeowner up for failure with a balloon rate with unreasonable terms that bank of america had a responsibility as professionals to give the standard of care that a reasonably prudent person would exercise in a similar situation, when the realastate agencies conduct fell below the legal standards established to protect others against unreasonable risk of harm, except for the conduct that is INTENTIONALLY or WILLFULLY disregarding of others rights when they failed to exercise expressed, in additional terms of the following elements : Duty, Breach of Duty, Causation, and Damages. Bank of America foreclosed on my home with out notice or waning holding XXXX in insurance checks made payable to the bank and my self in XX/XX/XXXX Bank of America received the first check in the amount of XXXX and a second check in XX/XX/XXXX in the amount of XXXX that the foreclosure was a violation of my rights as a homeowner my home should have never went in to foreclosure XX/XX/XXXX with extreme CROSS NEGLIGENCE that is punishable as a crime ; CRIMINAL NEGLIGENCE, BANK OF AMERICA should be penalized/disbarred, and severely fined for their misconduct in a [ Informal Hearing ] without XXXX XXXX it shows under the microscope the banks regulatory scheme with that adverse ruling because it was not just legal, nor was it free from ABUSE it misconstrues legal principles producing BAD FAITH /BAD LAW from the absence of overall fairness and honesty with the intent to deceive others by evading of ones own fiduciary obligations pertaining to the AMENDMENT VI ( XXXX ), article of Amendments to constitution of UNITED STATES OF AMERICA.Despite numerous of questions with no answers or remedy in this matter with conscious acts, and omissions of DUE Process, at every stage of their involvement bank of america a realastate company called XXXX XXXX XXXX XXXX in XXXX XXXX kansas and a company called XXXX XXXX out of XXXX kansas that the court house in XXXX has no information or /has never heard of this company, these people has negativity affected the rights of XXXX XXXX with unreasonable bias which law provides a remedy for such wrongs in breach of a duty, NOT to do it, i believe that bank of america by hindering DUE Process committed FRAUD KNOWINGLY KEEPS THE PROCEEDING in a misdirection from a [ Review ] i also believe that if XXXX XXXX could take a look at this case it would show discriminatory lending practices and the consumer financial protection bureau is n't protecting my rights because i can not obtain a fair enforcement at all.
Product: Debt collection

This appears to be an emergency room visit back on XX/XX/2018. I have repeatedly contacted the hospital accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the hospital it was paid, then told it is for the physicians. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of XXXX XXXXXXXX XXXX XXXX is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX, involving the unlawful trade of human beings against their will for commercial XXXX XXXX  or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect XXXX  and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code 1692g - Validation of debts -i never received the first 30 day notice under federal law that shows XXXX XXXX has my important identifying information which is very frustrating and falls under fraud. they need to remove both collections they have placed on my credit report. 
They are also in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.