23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called Bank of America because none of my business account alerts were being received. This triggered {$140.00} in fees for my two business accounts. 

They alerted me that all my alerts for my corporate account were cancelled. They tried to see why and fixed all my alerts to work. 

I was advised to use these alerts to cover any overdrafts. 

After asking for a refund of the fees, I was informed that their banking alerts are not considered bank error. Then I was told I was charged an overdraft fee only for posted transaction. 

It was a pending transaction that caused the overdraft. Then they said I can speak to the overdraft department. 

That department does not handle those fees. So I called back and was transferred to a supervisor named XXXX. 

Where he was very insulting and disrespectful stating that the banking alerts that I set up would not work and it was not their fault. 

And that their banking alerts which are tools to minimize client risk. I have been charged {$140.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/2022, I purchased a house and moved from XXXX XXXX XXXX XXXX XXXX. Soon after the move, I realized that my mothers cellphone, an XXXX XXXX, stopped receiving regular calls and would only accept calls on Wi-Fi-supported apps XXXX XXXX XXXX XXXXXXXX. My ex-husband is in the military and lives in XXXX  and my mother was my XXXX  daughters in-house nanny who needed to be able to contact me at any time during my long XXXX XXXX XXXX XXXX XXXX XXXX Soon after, I stopped by a XXXX  store to figure out what was wrong with her phone. At this point, I had been a XXXXXXXX customer for 8 years with an immaculate record of having paid every single bill on time every time and on auto-pay. The representative reluctantly explained to me that they removed all of the XXXX XXXX in XXXX and that this was the reason my mothers phone was no longer receiving calls and became obsolete. He continued to elaborate on how I had missed the Promotion to upgrade my mothers old phone by two days and there was nothing he could do about it. 

A few days later at the beginning of XXXX, I contacted XXXX XXXX XXXX and purchased a new phone and service line with XXXX XXXX XXXX and cancelled my line with XXXX The XXXX XXXX XXXX sales representative who filled out all the paperwork and had me sign my cancellation of the line with XXXX  failed to bring up the form where I was cancelling my mother 's line which triggered extra bills for XXXX, XXXX and XXXX. As a single mother of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not get the chance to check my credit cards until XX/XX/2022 when I noticed XXXX were helping themselves to my funds thanks to the Auto-Pay I had established for them 8 years previously. 

As a response to the complaint and all of the documents I had submitted in support of my dispute, XXXX responded with the fact that they had detected ONE CALL that had been made on my mother 's line on XX/XX/XXXX. That was the day my mother traveled back to XXXX and tried to make a phone call to get a Taxi while on the free WIFI network at the airport, but because the 3G towers were still up and active in XXXX, XXXX, the call went through the old XXXX SIM card that she had forgotten inside of her phone ( my mother is XXXX XXXX XXXX ). As a result of this, I am being charged {$200.00} for absolutely no service and an incident that shouldnt have even happened, had my mother taken out that SIM card before her trip back to XXXX. 

I am refusing to pay for the {$200.00} bill as I have no understanding as to why Id get charged for a phone line that was not providing my mother with any coverage on her cellphone during her stay in the US between XXXX and XXXX, yet they would charge me for service in a different country. This is unfair and not necessary. I have been their faithful customer for almost a decade and I refuse to receive this treatment. I will not pay for such an outrageous bill.
Product: Debt collection

I paid ProCollect Inc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
In the full amount of XXXX $ plus their fee off XXXX $ and they refused to supply me with a Receipt of payment or move my account to good standing.They have already deducted my money from my checking account.Any attempts to get any paperwork from them has been met with phone calls being hang up or being told to wait an extra XXXX hours.
Product: Debt collection

i filed a XXXX XXXX XXXX XXXX and converted it into a XXXX XXXX  in XXXX, XXXX XXXX who sold it to Midland Manganment Inc was included. XX/XX/XXXX it was XXXX and shortly after that i notice a change on my credit report and Midland Management was misreported discharge debt. Midland Management who repeatly misreported every month bring my credit score down, however refusing to report my XXXX debt properly should be in violation of the bankruptcy XXXX which in a injunction prohibiting creditors for tryong to collect on a bankruptcy XXXX debts.
Product: Debt collection

XXXX which who I never heard of from XXXX hospital is attempting to collect a debt in the amount of {$370.00} on XXXX XXXX, 2017. I do not live in XXXX. I reside in XXXX. Where is this collection coming from I have no idea.
Product: Credit card or prepaid card

I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. 
I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. 
Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. 
This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( Transunion, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of XXXX - XXXX U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. TransUnion reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted CFPB Complaint # XXXX informing you of your improper use of my consumer report. Several investigations were opened as a result. To be in obtain, possession of, share and use another persons identifiable financial information, the law requires you to have consent of that person. In regards to the financial information associated with the account listed in the attached notice you did and did not obtain the consumers consent directly or indirectly from the thereto mentioned Data Furnisher/ Customers who provided it to you. 

As a result I have filed a lawsuit agains you in the XXXX XXXX Court House and I am attaching a copy of that summons to this complaint in a attempt to resolve this matter privately and amicably. 

A formal copy of this notice which includes the court summons is being sent via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE THE ATTACHED )
Product: Payday loan, title loan, or personal loan

No one wants to have to borrow money, but sometimes we have to. also when we borrow money we plan on paying it back, but other life trials and tribulations come up. With that being said I took a loan out with this company back in   XX/XX/XXXX . Wh ich was my first loan of  XXXX  paid that back. Then life hit me hard and I had to take out another of  XXXX  .Well m oving ahead sad to say my son passed away and that same day this loan company called me asking for there money saying I need to borrow it from someone being very rude. even after telling the woman what had went on. not once did she say sorry for my lost. That wa s  XX/XX/XXXX  wh ich at that time she said I owed  XXXX . Now today she calls same woman saying I owe  XXXX . I tried to make payment arrangements with her, but the amount I said she says was not enough. As I reminded her I just got to work from medical leave from losing my child she then threatens me with garnishment. What kind of people work at this place I called back to only get cursed at and hung up on.
Product: Mortgage

Started paying an additional {$1000.00} per month towards the principal balance, plus the required payment. This was automatic deposited. Money did not go toward the principal and in fact no accounting of where it did go. 
Trying to solve this for a long time. I am a XXXX Veteran who has had some medical issues for a while but am much better now. Need to know where my money went, no help at all from the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX  I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,
Product: Mortgage

Unfortunately, I have different issues with both Lenders, my 1st lender ( Carrington Mortgage ) and 2nd lender ( XXXX XXXX ). 
1. Carrington Mortgage issue : When I purchased my house in XXXX, I obtained XXXX loans, both through XXXX XXXX. 
But my first loan was transfered to Carrington Mortgage. On XXXX Carrington modified my loan with the XXXX with a deffered interest of {$160000.00} but on XX/XX/XXXX I received their pay off demand for the total amount of {$540000.00} but I noticed the amount of the deferred interest was {$270000.00}. Therefore I am requesting that they honor the loan modification signed by them. See attached Loan Mod. and payoff demand. 
XXXX. XXXX XXXX issues : *My first issue is why I didn't receive any correspondence from this lender. My first correspondence was the NOD filed on XX/XX/XXXX. Specially when this lender has an assignment of Deed of Trust dated XX/XX/XXXX which it is a year ago. ( See attached supporting documents ). 
XXXX XXXX XXXX XXXX I requested a loan modification package and they took 58 days to provide it and now I am more close to a NOTS. I am requesting to hold it until this debt is clarified. I requested the loan modification application many times via e-mail to XXXX XXXX ( XXXX ). See attached e-mail printouts. 
*Also, my other concern is that my XXXX loan was originally with XXXX  XXXX XXXX  and it was transferred to XXXX XXXX  and then was SOLD to XXXX XXXX  but XXXX XXXX my XXXX loan account as a charge off account on XX/XX/XXXX. ( see attached credit report ). So I do not understand how on XX/XX/XXXXXXXX XXXX XXXX  was able to provide an assignment of Deed of Trust to XXXX XXXX. 
When I did my modification on XXXX I contacted XXXX XXXX  and they informed me that the account was a charge off account. Now, after XXXX  years I received a NOD from XXXX XXXX stating that I owe the money. I request them to escalate the file to investigate the validation of this debt.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. ExperianXXXX have ignored this request over and over and over again. 
I DEMAND THAT EXPERIAN XXXX XXXX REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT EXPERIAN XXXX XXXX REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax doesn't remove " collection account # : XXXX ''. This incident might be related to a bill on XX/XX/2018 from a medical center that I have paid the bill in 6 month interval. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 DAYS ( SIX MONTHS ) from the notification to pay the account before Equifax is ALLOWED to report it to my credit history. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA 605B necessitates the eradication of any erroneous accounts from my credit report. Could you double-check the documents, please? Some of the listed accounts are inaccurately reported.
Product: Student loan

Unable to pay student loans using XXXX different bank accounts. Unable to also use auto pay function. Bank accounts are active, have been used in the past from previous servicer. Have not provided me a reason and have a ticket open and not addressed since XXXX. Interest is adding up.
Product: Credit card

Capital One has mishandled my credit card hack. Capital One has responded to my complaints with complete chaos and confusion. 
Before the hack, I had a Venture Visa with a {$9500.00} limit and a Quick Silver with a {$11000.00} limit. Now, I only see one Venture Visa with a {$5000.00} limit on my bill. Capital One has repeatedly changed the number on this card and is now operating with a card that I do not physically have and know nothing about. Capital One has mishandled the reconciliation of fictitious transactions on this card. Fictitious transactions were left on this card that constituted a debt, specifically transactions for {$770.00} and {$92.00}. Capital One is charging interest and penalties on this fictitious debt. 
Capital One has not responded to my written complaints. Instead, it sent a formal letter to the CFPB in which it described its inappropriate actions. These actions did not lead to a positive resolution of the situation, but only worsened it. To my surprise, based on this response, the CFPB closed my complaint.