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

I am having a problem getting my XXXX XXXX, Early Warning Services and XXXXXXXX XXXX XXXXXXXX Report. I would like for XXXX XXXX, Early Warning Systems and XXXX XXXX to send me a complete copy of my consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXXXXXX XXXX XXXXXXXX License Number is : XXXX, Issue Date : XX/XX/XXXX, Exp. Date : XX/XX/XXXX
Product: Credit card

When I Filled out my Security Interest as an Investor I was met with resistance from the Computer algorithm. Under the Securities exchange Act of 1934 any consumer contracting for Credits can not be denied their own since the Issuer of the Security ( apllication ) is the Consumer for Personal Family and ( or ) household goods and Services. 

Know this Security as Issuer, Owner and Beneficiary have Federal Rights as the Consumer I am to be protected. 

From what I see is a XXXX tactic. 
XXXX Issuer the Security and Receive no Consideration or Compensation, thats a crime and can be reported to the Securities Exchange Commission for breach of the Securities Act 1934. Plus Civil Penalties under 15 USC 1681 ( n ) plus damages and injuries. 

15 USC 1681 : States you are not allowed to share my information except by written consent and you only have 30 days to send me n opt out letter the Privacy act of 1974 states those intentions very clearly.
Product: Debt collection

I have contacted all 3 credit bureau over the last 2 years requesting incorrect information be removed from my credit reports. They dont even have my legal married name on my credit reports. They have violated 15 USC 1681. 6B, 3N, 1681, 1A, 1. 15USC. They have removed items and return them to my report over and over again.
Product: Debt collection

In or about XX/XX/2019. The VA sent me ( I'm a XXXX veteran ) to XXXX XXXX XXXX in XXXX XXXX to get an X-ray. They sent me there because facilities at the VA Clinic in XXXX XXXX Florida were not available for the test at that particular time. 
I am eligible to have 100 % of my medical bills paid through the XXXX  and they intended to pay the bill for this service. 

Although I do not use Medicare, I have the regular 80 % coverage. I have it only as a back up plan and do not intend to use it as long as there is no problem using the XXXX  ( which is superior coverage ). 

When I did the intake at XXXX XXXX I informed them I was a XXXX Veteran gave them my paperwork from the VA and presented my VA ID. for them to receive payment. 

VERY IMPORTANT : I never told them that I have any Medicare coverage or that they should use medicare to pay this bill. The Hospital knows that my VA ID is the same as my Social Security Number. 
The next thing I found out after a couple of months was that XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX had charged Medicare for the bill and had been paid except for the 20 % of the charge that is either paid by the patient or the patient 's supplemental insurance. 
Since this occurred I have been in contact with XXXXXXXX XXXX XXXX XXXX, the VA and the Collection Agency. Everyone agrees that the VA stood ready and willing to pay this bill but nothing happens and it appears as a {$180.00} collection on my credit report with XXXX, credit reporting agency. 

This is a error from XXXX XXXX XXXX XXXX. Professional Adjustment Corp ( collection agency ) is not presently dunning me but will not remove this item from my report. 

XXXX XXXX XXXX XXXX is either lazy or a little bit evil. I want this item removed from my credit report. It should not be there and I don't owe it. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently fulfilled my financial obligations on time, so I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

XXXX XXXX  XXXX. 

I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( XXXX  ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within XXXX business days. 
In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1. 
I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., XXXX days ]. 
Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Debt collection

I was scammed over the phone by XXXX XXXX  on XX/XX/XXXX when they said that they worked for XXXX XXXX stated they would sell XXXX  three weeks of that I had accumulated. I need to pay XXXX $ and in return they would pay me XXXX $ for each week that they would rent.After using my Bank of America credit card to pay the XXXX $ I immediately called my bank and open a Fraud claim we also changed the card number.In XX/XX/XXXX Bank of America fraud department paid for the scam, I called their fraud department to reopen the fraud claim.XXXX XXXX Bank of America denied my fraud claim again and sent letters and made phone calls demanding payment along with reporting the charge to the credit reporting agencies.Take it I have been banking with Bank of America for more eighteen years.
Product: Credit card or prepaid card

With my Citi card I paid on time and in full and the company is staying that the amount was not paid on time. It reflects negatively on my credit report even though the payment was paid before the due date. I have tried to dispute it and even uploaded supporting documents showing payment in full and they are still refusing to take it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Acct. 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 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit card

This Kikoff account has been closed and I would like it removed from my credit report it's holding up my payment and application processing.
Product: Credit reporting or other personal consumer reports

I originally spoke with XXXX XXXX when I received a bill with no details. The representative had nothing in the system for my name or social security number. I was transferred to supervisors and multiple departments over several phone calls to determine why I received a bill. Ultimately, it was determined that the previous XXXX XXXX customer, XXXX XXXX, who had the phone number before me was responsible for the amount due. I was told not to worry about the bill I received any further. This was in XX/XX/XXXX. I was a XXXX XXXX customer for many years since I lived in Florida and then switched to XXXX XXXX XXXX after separating from my husband. It wasn't until I made the switch to XXXX XXXX XXXX did I receive a collection notice for the amount due from XXXX XXXX. I was never past due on my account at any time with XXXX XXXX and had no contract when I switched to XXXX XXXX XXXX. In fact, I was on the phone with representatives from both phone carriers at the time I made the switch to ensure there were no issues. I only switched because of the separation from my husband. A year later, XX/XX/XXXX, I find out that XXXX XXXX is on my credit report. I provided a letter stating the situation to TransUnion Credit Reporting and there was no investigation and no follow-up. I then provided the name of the person responsible for the original debt/account and no investigation or follow-up was done. This appears to be sheer laziness and complacency. The amount of time and energy I spent to make the calls a year ago based on a blank statement with a total due at the bottom was ridiculous. XXXX never provided a single itemized statement to indicate where the {$700.00} amount came from or how it was connected to my name in any way. I have spent more than XXXX hours on this XXXX negative credit item and I'd like it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXXI was in shock because I was never late in my payments.The information is incorrect.
Product: Mortgage

I have been attempting to resolve my delinquency for almost 2 years. I have received little to no assistance from the servicer in regards to getting information about the homeowners assistance fund. The servicer denied me for their mortgage assistance after telling me that I would be able to get assistance. They referred me to a state agency for assistance after denying me and then started foreclosure proceedings. While working with the state agency, i called the servicer on several occasions to get information was always given incorrect or inconsistent information. My servicer has paused foreclosure proceedings but still will not let me make payments, they continue to give me incorrect information and fail to communicate with the state agency that they recommended I work with. They even sent a message to the state agency that stated that do not participate in that program. After raising this concern to another representative in the loss mitigation department, I was told that they actually do participate. The agent promised to give me a call back on the next day so that we may have a conference call with the state agency, however she never called. When I called the servicer in order to reach that agent, I was told that they could not connect me to her and that the earliest that I would be able to speak with her would be in two weeks.This type of event has happened week after week of attempting to work with the servicer.This servicer has continuously failed to follow up and to provide the necessary information or assistance that I need in order to bring my loan current. This lack of attention and assistance is creating a greater financial burden for me as I am unable to make payments and continue to accrue interest on my my outstanding principal and delinquency amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one after the company issue anew card # for the same existing account is been reporting to all 3 major credits bureaus for the last two months out the cycle of the statement for the credit card account. I dispute the account last month with capital one and told me is going to fix the problem and did not!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an account for a Timeshare we had purchased. Which later went into default. But the company that was handling their debt collection, Meridian Financial Services filed a negative report on my credit for the debt 5 1/2 years ago, since that time, they have filed additional negative reports using different account numbers filed 3.5 years ago and again 1.5 years ago. I have tried to inform the credit bureaus, but every time they said they checked with Meridian Financial and they claimed it was accurate. But I only had 1 account, and now have 6 negatives from them for the same account, which they have used a different account number for each. And each month, they continue to report all 6 negative credit reports, And no one seems to be able to get this fraud by this company corrected.
Product: Money transfer, virtual currency, or money service

I'm trying to link my PayPal account to my bank account, but there is a technical issue with that and I called more than 3 times CS and have been with them on the phone each time over an hour and they are just giving me hell and going in circles, their agents don't understand English and are very unhelpful and never call back while they disconnected the phone on me twice, they gave me an hard time to reach a Supervisor. 

After filing a complaint with the XXXX, I recieved phone calls form the presidents office, but they too gave me just the run around and they leave messages an sending emails, but there is officialy no way for inbound calls and they don't respond to emails send. 

Last week Friday after wasting again my time on the phone with a rep from their president 's office, the rep promised me that they will get this resolved latest by Monday, but nothing doing. No call no Followup. This Paypal is just a scam I've money with them from over a year and no way to withraw them.
Product: Checking or savings account

I open a checking account in XX/XX/2021 with Citibank. The account number is XXXX and made an initial deposit of XXXX. This amount made me elegible for a bonus of {$1500.00} if I maintained that balance for a period of 90 days. 
Citibank has refused to pay that bonus simply saying that " I am not eligible '' to receive the bonus. I maintained the XXXX balance or above for at least 6-7 month. 
I started to contact Citibank in XXXX to ask about the bonus and received multiple answers, often indicating that the balance would be forthcoming at some point in the future. I do not have a record of the calls. I am sure that Citibank does. 
I am hoping that they will pay a bonus that they promise and now they arbitrarily deny. I believe it is abuse of power. 
Thank you
Product: Credit card or prepaid card

I made a claim to chase card benefit services about their Trip Cancellation/Interruption i summited all documentation they ask me for. I keep calling them and check the statues of my case and every time i call they told me some one will call me and they never do. In addition they claim i receive {$1600.00} USD from airline without proof. I did never receive that amout. I receive a credit wich expired XX/XX/2023. Other times they answer and hung up on me or let me on the waiting line for hrs/. At this point i don't have any answer of the claim. Online it still showing pending but i think they just trying to avoid or make me forget about it.
Product: Credit card or prepaid card

XX/XX/2018 : Purchased Goods from XXXX XXXX XXXX, {$390.00} ( XXXX XXXX  ). 
XX/XX/2018 : Returned Goods to XXXX XXXX XXXX via XXXX XXXX, tracking numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Opened Dispute with Card Issuer ( Wells Fargo ) for the aforementioned transaction after my return has been processed/confirmed, but the refund has been denied. Dispute Opened for {$390.00} ( XXXX XXXX ). 
XX/XX/2018 : Verbally Notified by Card Issuer ( Wells Fargo ) that the aforementioned dispute has been closed due to an error on their end with the tracking information. Verbally Notified to open a second chargeback via XXXX since Wells Fargo could not fix their mistake. Contacted XXXX to open a second chargeback, provided tracking information. Claim Numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Verbally/In-Writing Notified by XXXX, Wells Fargo has closed the claim in my favor, contact Wells Fargo for a timeline of when my funds will be back into my account. Called Wells Fargo, had no trail of this decision from their end and hung up on me. Continued Calling, same negative response, after contradicting information from the other party. 
XX/XX/2018 : Called Wells Fargo, again. Unable to explain what happened, unable to come up with a solution, unable to inform me with alternative solutions to this occurrence, hung up again. Called XXXX, unable to assist as their hands were tied and the final step of the claim ( my funds being released ) were up to them.
Product: Debt collection

Apparently, I had a medical procedure in XX/XX/. In XX/XX/, I first received a bill from XXXX XXXX XXXX for XXXX  services. I called my insurance company, XXXX XXXX XXXX ( XXXX ), and they told me to ignore the bill from XXXX XXXX. 

Later I received correspondence from XXXX XXXX related to a XXXX XXXX Mon related to the same charge. I never heard of this doctor and I had insurance to cover the full cost of any procedure. 

I again called XXXX and was told that they had no record of receiving a bill for this charge. I advised the doctors office that they needed to submit a bill to XXXX for payment. 

I was subsequently contacted by Plus Four Inc. a debt collection agency. They are located in XXXX, NV and their phone no. is XXXX. I gave them the same information I received from XXXX - that the doctor needed to submit a bill to XXXX. I told them that I have no knowledge of anything related to this doctor. 

I continue to get dunning letters/statements in the mail from Plus Four Inc . If they damage my credit rating I will definitely sue them!
Product: Credit card or prepaid card

I hired a home inspector to inspect a home I was considering purchasing. The pile of sand around a heat vent wasn't a tip-off there was an issue with the heat duct. When we asked the inspector about it, he said that duct was fine. Upon moving in, we opened the vent and found a file of dirt. There is a hole deep in the vent I can not access. It will cost quite a bit of money to fix, according to an air duct repair company. 

I filed a billing dispute with my credit card company, Discover Financial Services. Discover closed the case in favor of the inspector. 

I sent more information to Discover for them to re-open the case. I informed Discover that I found out the inspector false advertised that he is a member of the XXXX XXXX XXXX XXXX XXXX. XXXX inspectors have to go through training to be certified. I also informed Discover that the inspector claims to have a money-back satisfaction guarantee. That right there is enough to rule in my favor. 

Discover sent me a letter stating they considered the information I provided and that is wasn't new information. That's a lie. I didn't provide the information and Discover didn't already consider it. 

Discover needs to remove the charges from my card.
Product: Debt collection

To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2017 account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical  charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.