23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX, I was contacted by " Allied Business Collections '' stating I was outstanding on a medical bill. I did not think I was, so I asked for proof to be sent to my address so I could validate the claim. I felt it could be a scam, after some research. Nothing was sent to me, so I assumed it was a scam. In XXXX, I received another call from Allied Business Collections, and they claimed they had sent this to my credit report - I told them I had asked for documentation of the bill I was outstanding on. They told me they would send one out, and claimed I had never asked for proof. They had never sent me anything, nor did the doctor. I paid this outstanding balance on the phone with the promise of documentation of this bill as well as it being taken off my credit report. 
This was the resolution I was promised, it is still on my credit report and negatively effecting my credit score. I also never received a bill with the proper bill information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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: Checking or savings account

On XX/XX/XXXX, I had my phone and wallet stolen/ lost which contained my Chase Debit Card alongside, XXXX XXXX credit cards. Immediately, as I realized my card had been lost I cancelled it, but there was a {$150.00} charge from XXXX XXXX by someone that had used my card. I cancelled my Chase debit card the very same day, and the next morning filed a police report as well. I contacted Chase for a claim on my card as a purchase of {$150.00} at XXXX XXXX had not been done by me. I uploaded the Police Report as well for my supporting claim. They initially, accepted my claim and reversed me {$150.00}. About a month from then, on XX/XX/XXXX, I noticed that they had cancelled my claim and charged my account for the {$150.00}. When I called Chase and inquired about this, they said my claim had been cancelled and as I did not provide evidence with a time-stamp and police reports are not accepted by CHASE. I was appalled as initially the Chase specialist said nothing of the sort and accepted the police report only for CHASE to tell me a month later they do not accept it as evidence. They asked me to provide evidence of time-stamp iterating I was not present at they XXXX 's where the fraudulent transaction took place like a doctor 's note or CCTV footage of me being present somewhere that was not where the transaction took place. A month later, they tell me the evidence I have provided is not enough especially when the specialist initially accepted the police report and said nothing of the sort that I had to provide more evidence. Furthermore, they claimed that since I had only disputed one transaction for that day they were skeptical. Of course, I would only dispute the transaction that was fradulent and the rest of the transactions when I had my physical card present with me were transactions I approved of. Nothing, from my spending habits would say I spent {$150.00} at XXXX in an era where I am financially struggling. As, soon as I found out my card had been stolen/lost I reported it to CHASE and cancelled it. I could not file a claim the same day, as I needed the debit card information to even log in to the telephone portal which was no longer present with me, so they are holding it against me that I filed a claim a few days later when my new debit card was present with me and I could login when it is their own automated system that does not allow to speak with a agent or file a claim until you have debit card login credentials. The worst was now its entirely impossible to find CCTV footage or timestamps for an event that happened a month earlier and the CHASE specialist should have told me there and then that they do not accept police reports and that different kind of evidence was necessary especially when they reversed me {$150.00} based on the police report.
Product: Debt collection

recently obtain a copy of my credit report and noticed accounts that did not belong to me reporting inaccurate on my report.
Product: Student loan

Hi have reached out multiple times to the school and loan services i have written two letters about my loan and I'm getting no help I never received my certificate from school or any help my school shut down with no noticed.
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. 

Account name/ 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 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 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 furnace 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS ACCOUNTS A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PORTFOLIO STATUS, ADDITIONAL INFORMATION Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, CLOSED DATE Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR XXXX DELIQUENCY REPORTED, CLOSED DATE Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.
Product: Checking or savings account

On XXXX XXXX, XXXX my checking account was charged a {$12.00} monthly maintenance fee, something I have never been charged for years. I immediately tried calling Bank of America by phone but the wait time was over 30 minutes on three attempts so I went directly to the nearest Bank of America in XXXX, MD. I met with the manager and the banking assistant and I had requested that the {$12.00} maintenance fees charged against my account be returned immediately as I believe was fraudulently charged against my account and once it is returned to close my account. The bank closed my account without returning the {$12.00} maintenance fees and the manager stated he can not return the maintenance fees charged because I received a {$70.00} overdraft credit back in XXXX XXXX which I believe that credit should not have had any affects on my account in the future and this does not justify their reasons to start charging my account a XXXX XXXX monthly maintenance fees. In addition, I made it clear to not close my account without returning the {$12.00} first but she did it any way. I should have received a total of {$12.00} refunded back to me but did not receive anything in return when the bank closed my account. Charging these high maintenance fees I truly believe is a violation of the banking laws to not notify the customers upfront that these fees will take place prior to applying them and withdrawing fees from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONE OPEN AND ACTIVE LOAN with XXXX XXXX in XXXX IL. ALL OTHER XXXX XXXX and XXXX XXXX loans are paid in full, XXXX balance, and closed!!! I refinanced each one into the next and they close the old one when you do this so AGAIN I only have ONE loan with XXXX XXXX who used to be XXXX XXXX but they merged!! My ONE loan with them is the only one that should say open and be active, all others should say closed, paid in full, paid as agreed, refinanced and paid in full. This ONE loan I have with XXXX XXXX was most recently refinanced in XX/XX/XXXX and is in the XXXX IL location. The terms should be 12 monthly payments of {$740.00} with a current balance of {$6600.00}. Please make sure all is reported accurately and then mail me a copy of my corrected and correct credit report!!!! XXXX made a correction on one of these accounts and only sent me the one page but sent it three times to me. I want the entire credit report after you verify all these accounts are correct, mailed to me!!!! I also have a XXXX XXXX XXXX loan which I have had since XXXX and it was being reported every single month on every report, then all of the sudden last month was not showing on any of them. I contacted XXXX XXXXXXXX XXXX and have filed a complaint on this as well. They said when they went to do their update XXXX loans got wiped out of the system, so they had to resubmit the update after correcting the computer issue and then would contact all the credit reporting agencies to add this back on to my reports. Because the people at XXXX and XXXX DO NOT LISTEN and just ASSUME and rush that is WHY they make the errors they do and they responded they could not add information and explained the company does this, blah, blah, blah before they even knew that it was due to the companies computer issue that caused it to not be reporting one month and if they had taken the time to actually research they would have seen they have reported the account for the last three years!!! XXXX!!! DO YOUR JOBS!!!! I would fire people like this they have no intelligence and are lazy!!! Fix this account as well XXXX XXXX XXXX IS going to contact you to do so and I am telling you also because they said I might want to reach out to do the same even though they are doing so too!! This is MY personal information NOT YOURS and it had better be PERFECT and be SAFE or I will SUE YOU for all the money you have!!!!! Again, these businesses should be fined for every single error on every report, that is fair and right. They are intentionally breaking the FCRA laws!!!! CORRECT MY REPORTS AND MAIL ME AND THE CFPB COPIES OF ALL AND I DO NOT WANT THESE COMPLAINTS TO ANY OF THE THREE CREDIT REPORTING AGENCIES OR TO XXXX XXXX OR THE XXXX XXXX CLOSED UNTIL ALL IS CORRECT AND I HAVE CORRECT COPIES OF ALL THREE REPORTS IN MY HAND THROUGH THE MAIL!!! I have also contacted President Biden to let him know of all the issues I am having so he can do something about it too!!!
Product: Mortgage

I had a hardship last year. I was granted the hamp program the point of contact that I had throughout the entire process did not follow the loan through she never sent me the information that my loan was approved and the exact start date, my loan was approved in XXXX and I was informed in XXXX so when I started the loan modification I was one month behind I reached out for assistance and they said there was nothing they could do I would have to try to make that monthly payment on my own, then I became two months later down the line and eventually three months so, they told me I was in foreclosure and I would not be eligible for the program unless I it was 24 months after the program that I had, received I went back and forth with this mortgage company and still was unable to receive any assistance.
Product: Credit card or prepaid card

My credit card was used without authorization, there are fraudulent charges on my account, I did not suthorize these charges XX/XX/2019 - XXXX XXXX - {$2600.00} XX/XX/2019 - XXXX XXXX - XXXX XX/XX/2019 - XXXX XXXX - XXXX I have contacted the bank several times, via phone, and sent in the fraudulent charges documentation on XX/XX/2019 and again XX/XX/2019 The bank initially credited my account, then on XX/XX/2019 they have reverse the credits and debited my account without investigating these fraudulent charges. The debit appeared on my account on XX/XX/2019 - they have sent me the documents to be filled out dated XX/XX/XXXX, but I did not receive the documents until XX/XX/2019, which I have returned on XX/XX/2019, but ty this time the debit was posted on my account, and the investigation was concluded. There is no evidence that these charges are valid, there is no receipts, etc .... 
I have been calling the bank weekly since then, sent multiple email messages, but the bank is not responding. Every time I call, no one is willing to discuss the fraudulent charges, and they are telling me that the case is closed. I did not make these charges, therefore, I should not be liable for these fraudulent charges. Obviously, I'm not going to be able to pay these charges. 
I would like these charges to be removed from my credit card account, and the interest charges as well.
Product: Money transfer, virtual currency, or money service

I am used to send money to my brother account but this time i sent the money over a month ago and has not gone through yet, i have been calling and emailing the company and they just say that they cant do anything becasue they deposited the money but the bank said they dont have it, i totally understand the process but at this point the one who has to help me is MoneyGram because they were the ones i used to sent the money, I need your help with this matter please. 

XXXX,
Product: Credit card

Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. 
I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 
Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor : XXXX XXXX XXXX
Product: Checking or savings account

My Capital One checking account was closed due to a XXXX  payment which I received from one of my customers. There was approximately {$1300.00} in my account when it was closed. I called capital one multiple times and got no where with them. It has been over 100 days since my account closure and still no money has been returned to me.
Product: Checking or savings account

Trying to use my debit card, XXXX XXXX, and XXXX XXXX  All giving me issues, bank isnt helping me. Asked to speak to fraud department, advised that customers cant reach out to them. Requested a supervisor, placed on an extensive hold.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. I desire accurate, updated records reflecting my on-time payments for those accounts.
Product: Credit reporting

Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. XXXX Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

i have a joint account with my brother. we receive a check from a renter each month and it is deposited in my brothers checking account ( private to him ) and he intern issues a check to me for 1/2 the amount sent from his account by wells fargo check sending service. in XX/XX/2024 in preparation for my tax return i review in and out checks. i noticed that there was one wells fargo rent check missing from XXXX XXXX in XXXX of XXXX i started the investigation and the process to recover from wells fargo for the lost check. i was referred to a fraud department representative. i was further referred to someone who could issue an affidavit and send to me. after a month with no correspondence i called again and started the process over again. after another month with no correspondence i called again. they assured me that it was sent. the address was incorrect. i retrieved it from the incorrect address. i completed the form and sent it precisely to their proper address after having it notarized. 
after 3 or 4 weeks i checked on the status of my claim. they let me know that they had never recieved it. so i started the process again and again and again with no results. a wells fargo branch person who advised corporate that the signature was wrong. he asked his contact for me multiple times with no response. they also promised return phone calls to me without doing so. can you help with this? the check ifor XXXX and is important to me as i am retired