23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a small farm which I bank with Key Bank. Back in XXXX I received an alert on my phone that my funds were below {$300.00}. I knew this was incorrect so I looked on my account and there were three transactions pending amounting to over {$1600.00}. I called the bank immediately and told them that they were fraud and to stop the payment. They informed me they couldn't do that and we would need to file a fraud complaint which I did. They told me that it could take up to 90 days to resolve. I have called back to check and they said they were working on it. It has now been more than 90 days and still no resolution. When I call I get some foreign country call center and they just say they will contact me when they reach their decision. I have been more than patient and now need help in getting it resolved. Thank You.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received a letter claiming that I owe a debt to the fraudulent accounts listed below. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. I DEMAND THESE FRAUD ACCOUNTS BE DELETED IMMEDIATELY 1. The original application or contract.

2. All statements allegedly related to this debt.

3. All signed receipts.

4. All cancelled checks. 
Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail. 
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
Product: Debt collection

I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.
Product: Checking or savings account

I have an account with Chime Bank. I have had funds deposited and my paycheck deposited. I have not been able to access my money, Every time I contact the company they tell me to give it 48 hours. My last paycheck was from a federal government employer was deposited on XX/XX/XXXX and the funds have not been available. Prior to XX/XX/XXXX I have had funds deposited through a refund .I have not been able to access my money. It has continually said still processing. They keep telling me that it will take 24-48 hours. it has been much longer. 
I have not been able to pay my rent or buy groceries and this has put a strain on my family.
Product: Debt collection

today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report and the lack of resolution after repeated attempts to dispute these items with Experian, XXXX, and XXXX. I have attempted to dispute several inaccurate items on my credit report through the standard dispute process, requesting that the reporting agency provide proper verification. Specifically, I requested documentation, including a copy of the original agreement containing a " wet signature '', as proof of the validity of the accounts in question. However, despite my good faith efforts, I have not received adequate evidence to support the continued reporting of these items, nor have the disputed items been removed. The items in question are from XXXX ( XXXX ) for the amount {$2000.00} as well as a collection account from a business named XXXX XXXX XXXX for the amount of {$470.00}. On XX/XX/year> I asked XXXX, Experian, And XXXX to provide me with verification and that didn't happen.
Product: Credit reporting or other personal consumer reports

I did not authorize As per the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge information on my credit report that I believe to be inaccurate or unauthorized. I did not initiate this inquiry, and I request that you remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex system fraudulent report on my behalf to a name or similar to my name as XXXX used my profile as victim if fraud. I sent them reports form XX/XX/XXXX. XX/XX/XXXX and newer and they keep marked my social as a problem with Certain banks. I never banks with XXXX XXXX or XXXX XXXX or XXXX XXXX. And many other institutions they spotted my name they should remove my alert and any other info they leaking regard me on how social ending XXXX Or they will leave me no choice to take them to a court as I did with XXXX and XXXX  reporting they paid me enough from false information, they obliged to clean my name after few times submitted dispute!
Product: Debt collection

They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.
Product: Credit reporting or other personal consumer reports

I have attached the FTC identity theft report here. I have notified BOTH XXXX AND Experian multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both XXXX and Experian are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Debt collection

On XX/XX/2021, I received a marketing email from XXXX, advertising 50 % off 24 months of their online dating service. However, XXXX disclosed neither the amount nor the discounted total. Intrigued, I clicked through to their offers landing page. After it became clear that they would not reveal the price until I added the subscription to my cart, I proceeded to fill out a form on their website, selected pay in 4 installments, and selected XXXX as the payment method. I logged into XXXX to complete the process, believing I would have an opportunity to review the total amount to be charged. Instead, XXXX immediately processed my payment, charged my XXXX XXXX card ( linked through XXXX ) one installment out of {$250.00} ( {$62.00} ), and bound me to a contract for 24 months of service. Had I known the total to be charged, I would never have agreed to proceed. It is worth noting my credit card company, XXXX XXXX, found this entire matter absurd and quickly agreed to my dispute of the first {$62.00} payment. 

I immediately reached out to eHarmony support ( XX/XX/2021, at XXXX PM XXXX ), explained the situation as described to you in this letter, and kindly asked them to refund the charge and cancel my account. Five days later, on XX/XX/2021, Customer Care representative XXXX XXXX responded to my request, writing that it would be impossible to cancel my account and issue a refund because I live in Oklahoma, and Oklahoma is apparently not one of the eleven states in which XXXX offers a three-day cancellation window according to their terms of service. He insisted that I would still be bound to the contract and that my remaining three payments would process. Fortunately, since I used my XXXX XXXX card through XXXX, I was able to simply cancel the billing agreement through XXXX so that no future payments would be made. I asked him to reconsider, as this was obviously a technical glitch that caused my payment to be processed automatically. On XX/XX/2021, XXXX XXXX responded to that email and reiterated the same points, this time offering a courtesy XXXX extension of XXXX service. I rejected that offer because I have no desire to use XXXX product as a result of their deceptive sales tactics. Additionally, after repeated requests, XXXX deleted my profile on XX/XX/2021. I never used the service while my account was active. In short, I am being charged {$250.00} for a service I never wanted to use, never used, and never will use. 

At best, this is a sleazy attempt to gain unsuspecting customers who may not challenge the charges. XXXX is unwilling to acknowledge that this technical error on their website caused this unwanted charge, and they are aggressively pursuing a quick buck, it seems, by turning this over to a collections company, Rozlin Financial Group ( RFGI ). I have been in communication with RFGI since XX/XX/2021, and they seem unwilling to acknowledge even the possibility that this could have been an error on XXXX 's part. 

I am attaching one PDF containing all correspondence to date with XXXX and RFGI, in chronological order. Thank you in advance for your review.
Product: Debt collection

My friends and family are receiving repeated phone messages from a company called XXXX. The phone number being used is XXXX XXXX XXXX. Even though I have spoken with the company in regards to the debt, they continue to leave messages on my families voicemail stating that they are location services and they are looking to provide me court documents. When I asked the company for their statistics such as their company address and website I am being denied the information. They are constantly harassing my family although they never try to call me first and have spoken with me several times. I have contacted the original creditor and they state that the company my information was given to is different than the company that is harassing me. I have asked for a verification of debt letter and I am not being provided one. I have received no mail correspondence from the company.
Product: Credit reporting or other personal consumer reports

I just reviewed the copy of my credit reports and It seems that this is inaccurate and unauthorized inquiry reporting. 

Please see the attached PDF file on this complaint. I sent my dispute letter to the Bureau and still not getting any results
Product: Credit reporting or other personal consumer reports

Hello, around XXXX of XXXX i applied for XXXX to repair my credit i have made several payments rather has not reported to my credit profile then I tried calling them like 50 times and emailing them several times because I can't access to my account profile on XXXX they have not called nor emailed me back now it XXXX of XXXX and they are reporting nagitive on my credit report Experian
Product: Credit reporting

trans union report a acct not mine on XX/XX/2016 shows a XXXX add, did not live there
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXXXXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023. Please remove ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018 I sold 8 items on XXXX. Paypal who processes my payments for a fee held 4 out of the 8 payments. The released payments totaled 150 the held was 303. I called 4 days straight to get info about the holds. They gave me every excuse under the sun. I dont have any marks on my account and asked for a supervisor 4 times only to be put on holdlonger than 1hour. They have a policy that makes the bussiness trasactions seem shady and that is to get your funds sooner you have to mark the item that you sell mark it shipped and in 7 days they will release the funds. I charge shipping charges to ship the item to the customer and not shipping the item for 7 days and marking it shipped looks like i am scamming the customer. The second way is that you get the customer to give you a good review on your XXXX page and they will automatically release the funds immediately. I charge shipping because most the time i dont have the money to ship the product. Also when they hold funds they say its proprietary info why they do it and they cant tell us how we can prevent being put to where our funds arent held. Futher more if i have the money to ship items we have to ship them without payment and wait until confimed delivery has been done and the. 3 days after that is when our funds will be available ( sometimes ). I have had to call in to get them released. Anothe thing under acount they get there fees immediatly when the item is paid for. Another thing in there website under accounts if you click on a pending payment it comes up item will be refunded meaning i think they are treating the payment as a sell somehow to keep from gettjng in trouble with the government, when ever its time to release the funds they give us the funds but mark it a refund. So i think they are a shady crocked company. Oh and i had 3 more sales 2 on XX/XX/XXXX and 1 on XX/XX/XXXX and all three of those were put on hold. When you sell stuff and dont get the money for it for 21 days ( thats the normal hold uf you dont jump thru hoops they want u too. ) how can anybody function without money ie : ship, live ...
Product: Mortgage

Lost job in XXXX. Got another job but not making enough to cover all bills. PNC Mortgage and Mr XXXX agreed to a re-payment plan where he had to put down {$3500.00} and proceed to pay {$1800.00} per month for 18 months. Have receipts for this. PNC made an error ruining the payment plan causing it to stop. PNC fixed error. I continued with the payment plan. PNC made another error saying Mr XXXX owed an addl payment after the payment plan ended in XXXX, Mr. XXXX paid an addl two months payment. PNC Bank rejected the payments and now the house is in foreclosure. I applied for a modification in which I was denied based on my income. I applied recently with my current lawyer XXXX XXXX. My income is no longer an issue now. It has increased tremendously. He is now working two jobs that total XXXX a year plus to rental incomes in on e of my properties. All income and rental incomes with lease are provided in attached documents. PNC Bank refuses to look at my modification stating they have a policy that you can only apply to loss litigation twice. Mr. XXXX want to keep my home. Please help!
Product: Debt collection

Debt paid XXXX with different collection agency. Back on credit file as owed collection.
Product: Mortgage

I have been trying to get a loan modification with select portfolio servicing, every time they say the package complete i call back to follow up always somethng missing this has been going on for over 2 years< i fell behind in XX/XX/XXXX when my brother XXXX XXXX, then i fell behind again when i was layed off, but i manage to make the payments every month ,Last XX/XX/XXXX the interest went up to 3%, and this XX/XX/XXXX is going up to 4%, I believe there not even looking at my modification because i had idenity theft on my tax returns so i just learned that when they request XXXX im the only one that can get it, So every time i call they ask me for updated paperwork, I wish someone could listen to the recorded messages, So i would like to find out whats going  on, do they just make people believe they are going to get approved or just wait for them to fall so far behind they forclose on there house. I have owned my house for 41 years, please help XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticiced several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the account that i am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, XXXX, XXXX, AND EQUIFAX, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX  XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have an XXXX XXXX Credit card issued by BBVA Compass ( BBVA ). I'm currently an XXXX and XXXX veteran getting a second degree in XXXX  in Washington DC who honestly went back home to Alabama during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$110.00} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with BBVA and a credit card account for at least 5 years. 

I've been in Alabama displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with BBVA. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that BBVA remove the negative credit report, but I was told BBVA was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal BBVA customer for nearly 20 years with over 9 of those years banking with BBVA as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX venture 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 Balance : {$5700.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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.

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