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

I hope this letter finds you well. I am writing to express my dissatisfaction with the recent attempt to remove accounts and public records associated with my profile. I believe that the service provided did not meet my expectations, and I would like to bring the following concerns to your attention : Despite the initial attempt, I have observed that accounts and public records are still present. I expected a more thorough and effective removal process. 

There was a lack of clear communication throughout the process. I was not adequately informed about the steps taken, the progress made, or any challenges encountered during the removal attempt. 

The process took longer than anticipated, and I expected a more prompt resolution to my request. Timely removal is crucial to protect my privacy and personal information. 

I understand that issues may arise during such processes, but I believe my concerns are valid and warrant further attention. I kindly request that you review my case and take appropriate actions to address the aforementioned issues. 

Additionally, I would appreciate regular updates on the progress of the resolution and any steps taken to rectify the situation. Please provide a detailed explanation of the measures being implemented to ensure a more successful and expedited resolution to my satisfaction. I am asking for your assistance to remove these items : XXXX  XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. XXXX XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX XXXX XXXX XXXX - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Checking or savings account

A sum of {$4100.00} was taken from my NFCU account between the end of XXXX and when I noticed it the beginning of XXXX. A company that goes by the name XXXX XXXX  started taking money from my account several times a day ; ranging from a few cents to {$100.00}. I didnt notice it until I was trying to buy something from the vending machine at my job & it declined. I then went to my mobile app & saw I didnt have any money. I immediately contacted NFCU, explained what had happened and they instantly cut my card off. I was told an investigation was underway and they would contact me with the results. A few weeks passed & no corespondents from them so I called them only to hear the investigation was completed and they had confirmation from the other company that the charges were in fact mine. I told them they werent & they said they would do another investigation. This was the middle of XXXX. I was called XXXX  XXXX XXXX and asked about suspicious activity on my account by another company thats when I asked about the investigation. They told me it was still pending and it would take 44-60 days. I let her know its been pending since XXXX. She then said just wait till they contact me.
Product: Checking or savings account

Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code  (  XXXX  ) , by   XX/XX/XXXX ,  I was required to open any new  LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a  Regions  Visa C heckcard   (  must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ).   {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r  XX/XX/XXXX , o nly applies to personal  LifeGreen checking acc ounts To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued.   All  LifeGreen checking acc ounts require a {$50.00} minimum opening deposit.   The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts.   For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6  %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient.   Regions associates are not eligible.     I opened my account on   XX/XX/XXXX ,  and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address.     Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed.     I requested the time frame be reset so i could complete the promotional terms. I was told no.     I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.
Product: Payday loan, title loan, or personal loan

what happens is I saw online one advertisement that says they teach computers since. i called them they took all my information and made me sign for lots of paper and then they set me up for an orientation when I participated in orientation the people were from XXXX and their accent was very ruff I couldn't understand them then I just call them to cancel the class I'm not interested anymore. the school 's name is XXXX  now they have all my information they take from XXXX money behalf of my name i never apply for any lone I sign for class only but now climb.com asking me to pay for something i didn't get the service from they are trying to mess up my credit please i need help i getting scammed from XXXX when i tray to call them they don't answer my phone to my text
Product: Mortgage

Experian is reporting XXXX Mortgage as 60 days late. The first payment was due XXXX 2016 from a refinance, per FCRA law a mortgage company may not report the first 60 days late due lender changes. I am XXXX Military and XXXX. I did not receive any document on who to pay before I left. I just learned by email on XXXX XXXX that the lender is XXXX. I do n't even have an email or account to pay them. I contacted the refinance company XXXX XXXX and they could not tell me who lender was either.
Product: Money transfer, virtual currency, or money service

Defrauded by the seller after making an online asset purchase. After making the wire transfer of {$15000.00} via international wire transfer the seller disappeared and ceased communications. I suspect that the seller is living overseas despite leaving XXXX bank accounts and addresses. My bank JPMorgan Chase was not able to flag the transaction to this suspicious party.
Product: Credit reporting

On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with them.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the elect fund transfer act and regulation E these actions have caused significant inconvenience and financial laws and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my six 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, CA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I paid a debt in full owed to XXXXXXXX XXXX in collections with North American Recovery, who instructed me to pay through XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, I got the statement showing the XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX 

I have made numerous attempts contacting North American Recovery to resolve the issue, and they have refused to do so. I contacted XXXX XXXXXXXX XXXX once more to have them reach out to North American Recovery to resolve the issue, they state they reached out but North American Recovery still has done nothing to resolve. 


I have also reached out to XXXXXXXX XXXX about the situation, but was told to contact North American Recovery as XXXX XXXX no longer has access to the account despite still reporting the account on my credit report as unpaid.
Product: Debt collection

Recently Ive started receiving automated phone calls and voice mails to my cell phone number. I called the number back and spoke with a representative who advised me they were collecting on a debt from 1998. I do not know what this debt is for, I have no knowledge of this debt and I advised the representative this information and also advised him not to contact me anymore. The representative advised he would continue to call and he violated the FDCPA by calling me after my verbal request to cease and desist and he failed to give me a address to send the written request. I want this company to cease contact. I have not given them permission to call my cell. The representative was rude, and he violated several of my consumer rights. This company should be investigated for their collection tactics.
Product: Debt collection

XX/XX/year>- I had XXXX at a XXXX  hospital, XXXX XXXX XXXX. I chose this option rather then the regular hospital because all services were included in payment plan that has been paid in full. My part was {$2400.00}, after insurance. 

I do not recall having a contractual relationship with this collection company. Please provide proof that this belongs on my credit report and that my rights have not been infringed upon, otherwise, terminate this account immediately and remove from my credit report. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collections.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiry on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I noticed an unauthorized inquiry on my credit report from XXXX that I did not authorize or consent to. I am well aware that under the FCRA, companies are required to have explicit consumer authorization or a legally permissible purpose before accessing a consumers credit report. XXXX did not have either in this case, and therefore their inquiry was not only inappropriate but illegal.

Unauthorized Credit Inquiry : The inquiry from XXXX on XX/XX/year> was made without my permission or authorization. I have never applied for credit, loans, or any service with this company that would justify this inquiry. 
Violation of FCRA ( 15 U.S. Code 1681b ) : According to the FCRA, a company must have a legitimate business reason, such as a credit application or permissible purpose, to pull a consumers credit report. XXXX has violated this requirement, causing unnecessary harm to my credit score and infringing upon my consumer rights.

Impact on Credit Score : The unauthorized inquiry has negatively affected my credit score, as multiple inquiries can result in a lower credit score. This has caused me undue financial harm and stress.

I demand that the CFPB take immediate action to investigate this matter, require [ insert company name ] to remove the unauthorized inquiry from my credit report, and hold them accountable for their violation of consumer protection laws. Additionally, I request that CFPB ensures XXXX ceases any further unauthorized actions that could harm other consumers.

Thank you for your time and prompt attention to this serious matter. I expect swift resolution and an official response detailing how this violation will be rectified.
Product: Checking or savings account

On Tuesday, XX/XX/year>, I received an email from Chase Bank with an alert advising that my account had fraudulent activity and they were closing my account. When I called the phone number listed in the email ( attached ), XXXX, I was told that there was no fraud on the account, however, they had made a decision to close out my account. The rep I spoke to did not know the reason but stated that it was the banks decision and that they could close out an account at any time, for no reason. They advised that I review the small print on the information I received when I opened the account. 

Now, I dont have a problem with them closing out my account, however, the shut off all access to my monies and my debit card. They did not open a new account or provide a new debit card as they said, they no longer wanted to do business with me. That is fine, but give me my money. My rent was due to come out of that account and I could not buy groceries for my XXXX children. I was told that I would receive a check in the mail in 10 to 15 days. That is totally unacceptable. 

I then went to my local Chase located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. The teller looked at my account and said she saw no fraud and could not determine why the account was closed. She then called the back office to see if they could see a reason, and they could not. She then told them that because they were processing and preparing to return me my money that she was unable to do anything. I had {$1100.00} in one account and {$8.00} in the second account. 

I could not pay my rent or buy groceries. This is unacceptable. If they wanted to close out my account, they should have given me enough time to open an account with another bank so that I could have my paycheck redirected. My paycheck is directly deposited to my bank account. I also have bills that are debited from my account. They have caused me a lot of trouble. Because of their actions not only was I not able to receive my money from the local Chase Bank, I also could not receive my paycheck in a timely manner. My dad had to pay my rent. 

I understand they can shut down an account for fraud, however, there was no fraud. Also, the practice with regard to fraud is that a bank will give you a new account and new cards. This was not done. These actions should not be allowed to happen. 

I think that there should be some penalty or action taken against a company that is allowed to do this to anyone.
Product: Debt collection

I received a call from Direct Recovery Services LLC. The guy XXXX XXXX called me a liar stating i did not have the money in my account on XX/XX/21 when I stated i had the money he said i was lying as they were trying to collect it but unable to but i did not see anything come across my account and he started to get rude and ruder with me so i just hung up the phone as this was getting no where and he laughed when i stated i did not have the money in my account currently. the amount was supposed to be {$210.00} on XX/XX/21 for a deb to XXXX XXXX and {$210.00} on XX/XX/21 also the previous guy called my grandmother as well and was rude as well and stated im more worried about him calling my family rather than paying a debt and antagonizing me.
Product: Credit card or prepaid card

There is a transaction on my credit card statement posted on XX/XX/2022 from XXXX & XXXX XXXX for the amount of {$1600.00}. I have returned this purchase and it was delivered back to the merchant on XX/XX/2022 ( XXXX tracking XXXX ), yet I have been unable to receive a refund from XXXX & XXXX XXXX. For this reason, I need this transaction disputed and {$1600.00} credited back to my BMO Harris credit card. I have tried to initiate the dispute online on BMO Harris banking portal but it seems to be impossible to do so. I have also tried calling XXXX to reach BMO Harris credit card dispute department, but it seems like I am being kept on hold forever and nobody ever picks up the call despite a long wait no matter what time of the day I'm calling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquires was unauthorized
Product: Debt collection

I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.
Product: Payday loan, title loan, or personal loan

Have a high interest temporary loan with a company that insists on taking fees and not letting me pay on the principal citing procedures that must be followed in an exact order in order to pay anything extra I want to pay this loan off as soon as possible but they seem to want to try to extend it as long as possible
Product: Checking or savings account

On XXXX XXXX 2022, Capital One Bank froze my account due to a transaction being disputed. They told me they would need to close my account account and mail me the remaining balance which at the time was {$26000.00}. After many attempts to close out the account, they still have not closed it. It has led to the account incurring interest so the total amount is now at {$26000.00}. They also had said on a phone call that my case advisor left and they forgot to reassign my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I LOOKED AT MY CREDIT REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESSI HAVE BEEN FEELING DOWN XXXX  LATELY.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ( b ) ACCURACY OF REPORT OF THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING SERVICE CREATES A REPORT ON A INDIVIDUAL, THEY ARE REQUIRED TO TAKE RESONABLE MEASURES TO ENSURE THE DATA IS AS ACCURATE AS FEASIBLE.
Product: Credit reporting or other personal consumer reports

Equifax has refused to provide my credit report until I give them my drivers license. I do not have a hold or freeze on my credit report. I do not have anything on my credit report that would not authorize an inquiry. However, Equifax has done this on their own. This is not in an attempt to help me or to protect me from fraud. This is their attempt to force me to provide them with my drivers license. I emailed them my drivers license years ago. They do not have the right to this much personal data. I want a real human being to contact me from CFPB? I want an investigation launched into Equifax? I dont want just an emailed response to and from the company. What theyre doing has to be illegal. When I told them they were being recorded they ended the call. They didnt want to be recorded violating the law. They told me that Ive been warned about recording them. They do not have the authority to block creditors from reviewing my credit report.