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

On XXXX, I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a XXXX debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an XXXX debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/ XXXX XXXX I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.
Product: Bank account or service

I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.
Product: Credit reporting or other personal consumer reports

I would like to know how much longer I should wait for a credit verification from XXXX XXXX XXXX XXXX XXXX ago to be deleted from my records. I do not have a single late payment on my credit and that is greatly affecting my scores! thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$2600.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXBalance : {$190.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting

Hello good afternoon I have reviewed my credit report from Experian as of today XXXX XXXX, 2016 I 've noticed that there is a reinserted deleted account from : XXXX company This account has been deleted previously from my experience credit report by law they can reinsert the collection account into my report they have n't gave me any notice about it They are breaking and violating too many laws from federal to collection protection act
Product: Credit card

My XXXX XXXX office notified me I had overpaid, and was due a refund of {$130.00}. I had used my Care Credit card to pay the dentist. I had then eventually repaid Care Credit ( Synchrony ) for the entire amount. I notified Care Credit of the overpayment and asked for a refund. They told me they could not simply replace the money online, the way in which I had made all my payments to them, unless I uploaded images of my drivers license and other items. I explained that I was XXXX XXXX XXXX and not good with technology, also that my phone was an old hand-me-down, further, that I lived in the woods where signal was inconsistent, and I could not do as they required. I asked them to mail me a check. They said they would. This conversation took place in XXXX. When I received nothing, I contacted them again by chat. They told me the post office had returned this check and the would send another, that it was authorized XX/XX/XXXX. I still have received nothing. Today I spoke with XXXX at XXXX XXXX XXXX, ext. XXXX, who told me a second check had not yet been mailed. ( I have lived at this same address XXXX  years and cant imagine why the post office would a returned the first check. )
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services. 

On XXXX XXXX I spoke with the banks representative and got the information that my case is closed and that the bank is unable to return my funds as the account in the beneficiary bank is closed. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BOA was in compliance with its own policies and procedures ; ( v ) whether BOA owed duties to myself, what the scope of those duties was, and whether BOA did not uphold those duties ; ( vi ) whether BOAs conduct was unfair ; and ( vii ) whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit card

I lost my job and could not pay the well fargo credit card. they sued me and won. well fargo then took the money from checking account without my knowledge or warning.
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please see the attachments.
Product: Debt collection

I have been attempting to work with XXXX XXXX for years to settle this debt. On my credit reports and XXXX XXXX reports, the debt listed is a different amount than what they claim I owe them. They refuse to accept anything less than what they claim I owe them, even though the reports clearly indicate a lower amount by over half. 

These people operate in bad faith. They have filed a judgment against me, used to call me and harass me weekly, call my employer and harass him, and have threatened to renew the judgment at the end of XXXX  years, when this amount owed is trivial. They refuse to validate the accurate amount of debt and allow me to pay it with the security of knowing it is accurate and going to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/XXXX ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP
Product: Credit card

Wont let me create minimum affordable payment plan with XXXX interests although I am facing hardship though they promised to do it. They said I am not eligible for it. They said I need to let my account going behind which is absurd and interest are now more then XXXX dollors at month. Still cant find a solution with them although they are replying to my complain that they are offering assistant which they are not
Product: Credit reporting

Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX  Account Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit card

XX/XX/XXXX ordered XXXX XXXX XXXX XXXX XXXX for Dams and Ponds on website XXXX after web search for item. Received email from XXXX stating order had been received ( exhibit A ) XX/XX/XXXX charged on credit card under XXXX XX/XX/XXXX sent email via XXXX  website asking for tracking information since card was charged XX/XX/XXXX called XXXX ( contact phone number on website ), phone number does not accept incoming calls XX/XX/XXXX sent email to XXXX requesting tracking information ( exhibit B ). No response. 
XX/XX/XXXX disputed charge on Navy Federal website as item has not been received XX/XX/XXXX credit was given pending investigation XX/XX/XXXX credit card shows item being charged again XX/XX/XXXX received letter from Navy Federal from USPS stating property was provided therefore the card had been charged again ( exhibit C ). 
XX/XX/XXXX called customer service at Navy Federal and spoke to XXXX ( XXXX ). She could not provide any details as to why the investigation showed item received but would email paperwork to dispute again XX/XX/XXXX never received email from XXXX. Called customer service again and spoke to XXXX. She could only say that it had been shipped via USPS ( which would not have accepted a 15L bucket of chemical ). She suggested that I email XXXX for shipping and tracking information. 
XX/XX/XXXX sent email to XXXX as per their website with no response. ( exhibit D ) XX/XX/XXXX called XXXX ( contact phone number on XXXX  website ), phone number had a recording stating that it was not XXXX and to contact our financial institute for a refund. 
XX/XX/XXXX sent message to Navy Federal w/attachments ( exhibits A-D ) requesting reconsideration. 
XX/XX/XXXX Received message from Navy FederaXXXX will not credit account ( exhibit E ) XX/XX/XXXX called customer service @ Navy Federal and spoke to XXXX. She said we needed to submit another message requesting a copy of the documentation that the merchant sent to Navy Federal. 
XX/XX/XXXX sent message requesting documentation ( exhibit F ) XX/XX/XXXX Navy FederaXXXX sent copies of documentation ( exhibit G ) XX/XX/XXXX sent message to Navy Federal, explaining we ordered a XXXX  pail of XXXXXXXX XXXX XXXX and not 11 wallets and 3 pillows. ( exhibit H ) XX/XX/XXXX Navy Federal replied they tried their best but cant recover the funds. ( exhibit H ) XX/XX/XXXX Called customer service at Navy Federal and spoke to XXXX. She said there was nothing they could do. 
XX/XX/XXXX Sent message to Navy Federal with attachment that XXXX  was a scam website ( exhibit I ) XX/XX/XXXX Received message from Navy Federal that this dispute case is closed. 
XX/XX/XXXX Went to post office to get information about tracking number ( exhibit J ). They showed it was mailed in a 1 oz envelop to XXXX XXXX XXXX, XXXX. Both the 15L pail and the items on their invoice would have weighed to a lot more than 1 oz.
Product: Credit card

I received a phishing scam that I thought was an email from Bank of America. I started to report it with the FTC and was redirected here. 

Before calling BofA customer service about the scam, I called the number in the email, which had an automated message saying it was disconnected. I clicked the link in the email to check my application status and input my information ( last name, last four of SSN, zip code, and birthday ), but an error message popped up saying my personal information didn't match the info on the credit card application. 

I called Bank of America about this email, as I had never applied for a card, and they confirmed they never saw a credit card application from me. They also confirmed that the email address used to send the email ( XXXX ) was not a Bank of America email address. 

Below is the text of the email : " We've received your credit card application for Bank of America Unlimited Cash Rewards credit card. 
We're currently reviewing your information. You can check your application status online at any time. 
If you don't recognize this application, call XXXX. ''
Product: Mortgage

I am having a lot of issues with village capital mortgage company they never resolve your issues with what so ever if you request a supervisor they tell you that they will request it and that a supervisor will contact you in 24-48 hrs and they never do there good times are the wrist I have pictures names and employee ID of everyone Ive spoken too Ive been trying to make my payment for about a week now and they keep stating that they are trying to input my wifes bank information in to call the next day we have to stop working and try to get a hold of them the next day and they restate the same thing this mortgage company has very bad reviews everywhere you look them up this mortgage company should be shut down also when you call they transfer you to other departments with even XXXX get hold times me and my wife have been on the line from 1-3 hrs and then they have hung up on us this is ridiculous and we do not know who else we can contact so this problem can be resolved
Product: Debt collection

A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I'm reporting people 's home equity as I've worked there and I'm formally reporting that they're altering customer documents, along having a felon working on the loans. They also have several people working under one loan officer 's license number.
Product: Credit card or prepaid card

Noticed on XX/XX/2021 an inquiry was made on credit report from Bank of America and did not give permission or apply for a credit card. Contacted Bank of America, talked to XXXX XXXX and he said he would take care of the problem. Received a letter from Bank of America on XX/XX/2021 stating it was legit and the issue was resolved. On XX/XX/XXXX, noticed card was issued.. Tried contacting Bank of America several times through phone calls and email and no luck getting contacted back. Just want the card cancelled.
Product: Credit card or prepaid card

Received a vanilla gift card for XXXX XX/XX/XXXX for {$200.00}. On XX/XX/XXXX went to activate and it said I had a 0 balance. After signing into account and reviewing account transaction a transaction for XXXX was made on XX/XX/XXXX which I did not make for an advertising? I immediately called customer service who started and report and said the dispute center would notify me. I received an email from them on XX/XX/XXXX with the dispute package to fill out which I filled out immediately and received receipt that they received on the XX/XX/XXXX via email. Per email they had 90 days for refund. I have send emails on the following days with no response XXXX and have received no refund. I am totally disgusted, this is unacceptable.
Product: Credit card or prepaid card

To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA. 
I have contested the following charges against appearing on my credit card. 
I did not authorize nor do I recognize the charges. 
These charges are being billed to me wrongfully. 

{$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services. 
They informed me to contact XXXX to help resolve. 
I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist. 
On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything. 
I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned. 
I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information. 
Again, I deny these charges and wish to be shown proof of these which they have failed to do so. 
I was directed to your offices to help as I am at my wits end. Please help. 
I have copies of all dated documents for your reference.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft. I have fraudulent accounts on my credit report. I am not liable for this debt. Im attaching my drivers license, my social security card, and my identity theft report. 

XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Started calling SERVE card and American Express in XXXX to log into my account. Account has been locked many times at random and now the service representatives will not pick up the phone at all. Tax Return is locked into the account and I can not access it.
Product: Credit reporting or other personal consumer reports

Inaccurate information on Equifax is not matching XXXX. Equifax is showing a credit score of XXXX when Equifax is XXXX. It is effecting a mortgage loan interest rate. 

Also, Inaccurate information on XXXX is not matching XXXX. XXXX is showing a credit score of XXXX when Equifax is XXXX. It is effecting a mortgage loan interest rate.
Product: Credit reporting or other personal consumer reports

This is not my account or debt I disputed it with the credit bureau several times they have not responded.