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

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act XX/XX/1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been doing a lot of business with Paypal since XXXX recently I have had an issue with funds being held for no reason and I have called them a few times and they keep giving me excuses with no resolution. The last time I asked to speak to a supervisor and I was put on hold for over an hour and I was not able to speak to anyone to resolve this issue. 
Here are the facts : 1. I had an XXXX sale on XX/XX/XXXX 2. I shipped the items on XX/XX/XXXX ( USPS Priority AWB XXXX ) 3. The customer received the items on XX/XX/XXXX 4. I generated the shipping label through Paypal, so they have the tracking number, and they know it was delivered. 
5. Paypal Transaction ID XXXX My funds are still " pending '', I never got a reason from them as to why my funds are still stuck on " Pending '' mode close to 4 months now.
Product: Credit reporting or other personal consumer reports

1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt. 

I have reached out to the creditors several times to get the inaccuracy removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with   XXXX   XXXX    XXXX / XXXX /  XXXX   in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was :  XXXX  FEDERALCOURT - it was dated for  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  About a week later My inquiry to the  U. S. Bankruptcy Courts  confirmed   XXXX   XXXX   XXXX   has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by  XXXX   XXXX  sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting or other personal consumer reports

The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  ) ] within the timeframe specified in the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX  ) Then showing payments as " OK '' paid as agreed on another bureau ( Equifax ) Then  Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Product: Credit reporting or other personal consumer reports

Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ File XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXXXXXX XXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, XXXX, Experian, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXXXXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, XXXX, XXXX, and Experian were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX  of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, XXXX, and Experian completed a VALID re-investigation, this would not have affected me as greatly.
Product: Checking or savings account

I was scammed by a person via XXXX after I was threatened with jail time and court for an old debit. Citi bank refuses to give me my money back even though I don't know this person and it was a scam. This happened on XX/XX/2023 at XXXX pst.I called Citi customer service and they refuse to return my money.
Product: Debt collection

They Threaten to arrest, and receiving at least XXXX calls a day for several months. I programmed my home phone to block the call but the phone calls still ring. We have not received any of their letters in the mail. Their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB unless you can provide verification of original signature. 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 Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting or other personal consumer reports

**Subject : ** Urgent Request for Proof of Right to Service My Student Loan Account Dear Customer Resolutions Unit , I am following up regarding my complaint with the CFPB. You provided a copy of my Master Promissory Note ( MPN ), which I already have, but that does not address my request.

I contacted the U.S. Department of Education, and they confirmed that they have no record supporting your claim that you have the right to service my student loan account. Given this, I am requesting the following : 1. **Documentation from the U.S. Department of Education** explicitly stating that XXXX XXXX has the legal right to service my student loans.

2. **Proof of any agreement or approval** from the Department of Education granting you the authority to be involved with my account.

If you can not provide this documentation within five business days, I am demanding that you immediately **cease and desist** all activity related to my account. Failure to comply may result in further action.

I expect your prompt response.

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

I disputed my bankruptcies for errors and I ask for the original furnisher of the report to verify. A third party keeps verifying wrong information
Product: Credit card

Credit card had been established in my name without my knowledge or consent. Credit limit was maxed out and card was unpaid and neglected. I have notified the Attorney General to investigate charges.
Product: Student loan

Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.
Product: Credit card

I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!
Product: Checking or savings account

My complaint involves BMO Harris USA locking my business checking account after mobile depositing a check for the amount of {$5100.00} on XX/XX/2024. On XX/XX/2024 it cleared the issuing bank I have received confirmation from the writer who supplied proof the check cleared. BMO Harris locked my businesses account on XX/XX/2024 at approx XXXX XXXX XXXX standard time. They are in violation of their own funds availability policy as well as causing harm to me and my business. Please help me with this issue BMO Harris says itll be at least 14 days before I get my account back. 14 days to get an account back that had a legitimate check clear same day is absolutely absurd and it will be the death of my business and children. I urge you to do anything you can to help please.
Product: Money transfer, virtual currency, or money service

At the begin ofXX/XX/XXXX, I started investing in XXXX. 
I send money to Coinbase and at XX/XX/XXXX, I have wanted to participate to an XXXX ( XXXX XXXX XXXX ) named XXXX. This XXXX is possible via XXXX currency and smart contracts ( programs ). The principle is to send ETHs from a wallet to the XXXX XXXX Smart Contract and when the XXXX is over, it sends back tokens to the original wallet. 

I sent 4 ETHs and 5 ETHs to 2 different Smart Contracts but both are XXXX of XXXX. 

My problem is that Coinbase speaks about your wallet ( owned by you ) but finally, it 's not your wallet, it 's a technical wallet owned by Coinbase. And when the tokens come back to the wallet, it 's too late : the tokens are in the technical wallet but you do n't have the keys of this wallet. 

I have tried many times to explain that to Coinbase et to try to have an arrangement ( even if I am charged ) but I received no response at all.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2021, I received an auto text alert on my phone that asked me to authorize a XXXX transfer to a persons account that I did not recognize/initiate myself. I responded NO to the text, and immediately received a call on my phone that read as " WELLS FARGO '' on the caller ID ( whom I utilize as my bank ). I answered and spoke with someone who identified themselves as being from the Fraud Department & inquired about the transaction which I perceived as the routine procedure to prevent fraudulent events. I later found out that this person I was speaking to was the scammer themselves & only impersonating someone from my actual Wells Fargo Bank to get my account information/2-step verification details in order to complete the transaction. In doing so, they authorized the transfer and I lost {$4000.00} dollars from my savings account. It has now been over a month of explaining this situation to Wells Fargo yet they continue to refuse to refund my money despite being tricked into doing so at no fault of my own. I did not authorize the payment & have documentation to prove this ( see attached files ). Only when I was deceived into believing I was speaking with representatives from my own bank did I divulge personal account information. This does not constitute personal authorization as they claim on my part, due to the fact that I was fraudulently induced to believe I was working with a trusted source from my own bank. Yet they continue to deny my claim. The scammers fraudulently impersonated both my bank ( Wells Fargo ) & myself by commandeering my account to authorize a transaction I did not consent to. I am asking Wells Fargo to refund the {$4000.00} unlawfully taken from me per my right as a Well Fargo Bank customer & XXXX XXXX protected by Regulation E of the Federal Electronic Funds Transfer Act.
Product: Debt collection

When I contacted the company to ask how did I owe them the agent told me for medical bills and the dates I suppose to went which is violating hills rights and that I need to pay or its never going to come off my credit and my credit will always be ruin. I ask was there anyway to prove he said yes we sent a letter in XXXX which I never received and I ask for another one to be sent and was told no they dont have to keep sending me letters either I pay or its just going to stay on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, I was contacted by XXXX informing me that someone in Illinois had access to my account and that XXXX owed me {$1900.00} dollars in refund amounts. This all came from buying a new television and as I went to activate my XXXX XXXX, a phone number popped up on the television. It would not let me activate until I contacted the number. These people pretended to be XXXX. Money was deducted from my account in the amount of {$11.00} dollars. When they claim a refund was being issued. When I realized what was going on I notified XXXX, canelled my card & contacted Netspend. The transaction was still pending which makes me feel that I notified the bank in time. Isn't that what we are supposed to do? Within about a week, Netspend refunded {$350.00} of the money but sent me a letter stating that the request for my other refund had been denied. I have been with this bank since XXXX and not at any time on my account has there ever been withdrawls like this. Netspend has put a hold on my account for as little as a few dollars in the past. So if that drew questions then why didn't this? I have contacted the bank and they have filed another request to investigate, but after the first investigation, I believe that they just want to sweep it under the rug. I have also asked them to put me in touch with their legal department but no response as of yet. Their next update will not be until XX/XX/XXXX. At the point who knows what that will be. I am XXXX and unable to work any more and who can afford a loss like this? Netspend should be ashamed of themselves. I saw on another reply that Netspend says not to post on outside sites. Well, if the problems were being addressed properly we wouldn't have to.,
Product: Mortgage

I was in Forbearance per the CARES ACT from July 2020-Feb 2021 ( 8 months ) Prior to being on forbearance I've never missed a payment in 11 years. I agreed to a loan modification to pay back the missed payment over the course of the loan and I was told I must complete a 3 month trial payment period of higher payments and after thats completed sucessfully I would get loan modification documents to sign. I got the paperwork on XX/XX/XXXX, XXXX.I contacted the Loss Mitigation supervisor, XXXX XXXX at XXXX and I told him the documents payment amount was wrong, because I'm permanently exempt from property taxes in Texas. I also told him I don't have a problem with the hazard insurance amount even thought I hadn't had an escrow account since XXXX since I pay home insurance monthly. He said they'd get new documents to me. All I got was a letter stating that I missed 10 payment past due and to call them for assistance.They had sent me a Mortgage Assistance Application requiring a lot of info. Also after completing the 3month trial payment period from XXXX - XX/XX/XXXX they sent me a letter concerning my escrow overage which was owed to me in XXXX and they said since I'm past due on payments I won't get it and they are keeping it that was on XX/XX/XXXX. I called back on XX/XX/XXXX since no new modification documents came in and I spoke to a rep named XXXX, she assured me it would be taken care of and that nothing was done about it when I called on XX/XX/XXXX. She said new documents would arrive in a week. It's been over a week and I sent an email directly to the Loss Mitigation dept and no one has responded to me and today is XX/XX/XXXX. I got an email stating I have 6 days to sign my old incorrect loan modification agreement on XXXX XXXX.I called XX/XX/XXXX and spoke with the insurance supervisor named XXXX and I we confirmed the XXXX payment with the home insurance included. But she said it still had property taxes on it and when she transferred me to Loss Mitigation no one answered. These people are trying to take my home and I need help. LAKEVIEW LOAN SERVICING LLC, subservicing by XXXX XXXX
Product: Prepaid card

This is regarding prepaid card ( XXXX $ ) issued to my family for a settlement and card is managed by Blackhawk network holdings. As per the terms and conditions of the settlement the card can be used by anybody ( friends/family ) provided it is activated and registered online until the card expires in XX/XX/XXXX. The card was activated and registered to my name and address about 4 months ago .The card has been suddenly rendered unfunctional by Blackhawk network holdings since XXXX when i tried to do a transaction on XXXX XXXX The company never informed me anything about this or any other issue with the card. I checked the balance before doing the transaction and i only found out after calling them when the transaction got declined. After much back and forth i was told that it was automatically blocked by system to protect my funds because the system detected the use of some spoof website. I explained to them that XXXX is not a spoof website and they refused to unblock the card until they receive my details like Govt issued id, utility bill etc to prove ownership after which they promised to reissue a replacement card asap. This all has been documented on email attached here ( both the reason for the block as well as the reissuance of the card once i provide them the details matching the registration on the card ) Although these details were provided promptly on XX/XX/XXXX and match the name and registration on the card they have still failed to respond and refused reissue my card for use and give me the run around each time i contacted them. The company has effectively stolen my funds and refuses to do anything about it
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and needs to be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX 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

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

Send me in updated copy of my credit report showing the updated status.
Product: Checking or savings account

unlawfully charged over {$2000.00} in fees from wells fargo