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

XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
Product: Mortgage

I am writing to follow up on the removal of the XXXX XXXX XXXX XXXX XXXX XXXX from my mortgage account. As per the email I received on XX/XX/XXXX, I was informed that the process would be completed within XXXX business days. However, it has now been over XXXX months and I am still being charged for XXXX. 

I have contacted customer service on XXXX separate occasions and each time I have received a different response. The first time I called, I was told that the necessary documents were not available. The second time I called, I was assured that all the required documentation had been received and that the process had been escalated, with a promised completion date within XXXX days. However, when I called for the third time, I was informed that the process was still ongoing and that it typically takes XXXX  days to complete. I requested to speak to a XXXX, who then advised me that the process could take up to XXXX days and attempted to transfer my call to another representative. 

I am concerned about the lack of consistency in the information I have received and the extended delay in removing the XXXX. The XXXX  ( XXXX ) ratio is XXXX below XXXX XXXX and as per the email received on XX/XX/XXXX, the XXXX should have been removed within XXXX business days. 

I kindly request that the XXXX be removed promptly and backdated to my XXXX payment, as per the original timeline communicated in the email. 

Call records : XXXX - XX/XX/XXXX call XXXX XXXX sec : received documents XXXX - XX/XX/XXXX call XXXX XXXX sec : XXXX escalated '' it should take XXXX days. 
XXXX - XXXX call XXXX min : processes takes XXXX days, " escalated '' follow up in XXXX days. 
XXXX XX/XX/XXXX call XXXX XXXX sec : XXXX pending, everything should be back dated to when it was submitted. 

This needs to be backdated to XXXX payment ones is finalized. 


Thank you for your attention to this matter. 

Best regards, XXXX XXXX. 
Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX ( Cable/Cellular ) has passed a debt on for collection to Enhanced Recovery Company, XXXX XXXX XXXX, XXXX, FL XXXX in the amount of {$820.00} on XXXX/XXXX/2017. I was never informed of any debt and I would like this cleared off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is reporting that I owe them for service, however I did not request their services. 
Equifax removed this item. 
The company sold this bogus account to a collection company. 
Now Equifax has not removed. 
I did not request or receive their services!
Product: Checking or savings account

A week ago, a company asked me for a survey on Netspend. I answered said survey and the next day, a transaction from New York for a XXXX at XXXX. was done using my bank card. I find that to be quite amusing, Don't you? Now, in the survey I spoke about Overdraft Protection. This is a service that is offered by Netspend at a fee of {$20.00}. Well, I used it to the best of my ability, every chance I needed. AND I PAID THE FEE. Well, Netspend turned my overdraft off from XXXX til XXXX, 2023. What's intriguing is other banks, like XXXX offer it at no fee and {$200.00} limit. So I found other means to suffice in other institutions since Netspend changes the rules as they go along and the fact that they offer a fee for a service and then get mad personally when it's used. In excess or not, the fee is paid everytime I use it. No guidelines state excessive use is punishable. I notified Netspend by calling and speaking to a rep advising the unauthorized charge. I received an email asking for a letter sent to them to advise of the unauthorized charge. The games people play with people and there monies isn't a game I would want to play. It's not funny to use my information and take monies from my account over a survey. If you don't want people talking about your business, then do better with people 's monies especially if you're bonded, insured, or trusted with currency. I'm looking for a better banking experience because Netspend has some really serious personal issues with my account, no matter how bad my banking may have been. Netspend could have asked me to close my account which will happen soon, but don't play games with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company rent recovery stated to you that it has ordered the deletion of this account off my credit report after they were informed and agreed information was not accurate. 

Look at the attached documents, they continue to report this bogus and invalid account to the credit bureaus now 17 days later contrary to what they stated to you. 

Please open an investigation as to the lies they are providing to you.
Product: Credit card

ACCORDING TO FRCA SECTION 605B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION, THANK YOU PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for several months to get Equifax to remove the bankruptcy from the credit report. Equifax is showing the incorrect filing date and I'm providing documentation from the bankruptcy court to  show that the information filed is ten years old and should be removed from my report. XXXX  and XXXX have already removed from the credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Medical collection from ambulance transportation by XXXXXXXX XXXX  has not been removed by Experian credit bureau after multiple requests and has caused denial of credit. XXXX XXXX WASHINGTON, D.C. the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that will remove an estimated {$49.00} XXXX in medical bills from the credit reports of about XXXX XXXX Americans. The CFPB 's action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I requested a payoff amount for my loan, I am in bankruptcy so there is already hoops to jump through. On XX/XX/XXXX the person I called said it was faxed to the closing attorney. I called the closing Attorney and they said that they have not received a fax. I called back on Tuesday the XXXX and they said it takes 24 hours for it to upload and be in their system to re fax it. I called back on the XXXX and they said it takes 3 more hours, still nothing, called back again and they said the same thing. Same thing happened on the XXXX, called a couple times as well. Called today XX/XX/XXXX and they said it takes 10 days to get the payoff amount. I told them they said it should take 24 hours and the guy said no it takes 10 days. I asked to speak to supervisor and the original guy hung up on me. I called back requested supervisor and she said nothing was submitted at all!! She then said she would escalate this and submit it ASAP and I should get the payoff next week. This could cost me the sale of my house taken this long to process.
Product: Student loan

On XX/XX/XXXX I was notified by lender XXXX that the U.S. Department of Education ( ED ) will transfer the customer service of my federal student loan account to XXXX by XX/XX/XXXX. As of XX/XX/XXXX, the loan is still not transferred and the loan is no longer with XXXX, meaning I have no access to the loan and no ability to pay off my debt. I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) program, in which I may qualify for forgiveness of the remaining balance due on my eligible federal student loans based on my employment in a XXXX XXXX job. This is contingent on making payments on my loan every month. Because the loan is not available for payments right now, I can not make these payments towards forgiveness.
Product: Checking or savings account

To Whom It May Concern, I am writing to provide a detailed account of the issues I have encountered with several financial institutions regarding the closure of my accounts and disputes over transactions. Below is a summary of my experiences : XXXX. **Bank of America** : My checking account was closed due to what the bank described as excessive disputes. I have consistently faced issues with unauthorized charges that led to frequent adjustments in my account balance. 

XXXX. **XXXX** : My account was closed after the bank assumed fraudulent activity. A client transferred money via wire transfer for services provided by my XXXX. Subsequently, the client contacted their bank to reverse the transaction, which led XXXX to classify the transaction as fraudulent and close my account. 

XXXX. XXXX : I filed a dispute because my card was used online in another country while I was physically in the USA. XXXX presumed I authorized these transactions, reversed the charges, and placed my account in a negative balance. Despite my explanations, the bank maintained that I had authorized the transactions. 

XXXX. **XXXX XXXX** : My account was closed following multiple disputes over unauthorized wire transfers. Each transaction was for legitimate services I provided, but clients repeatedly reported them as unauthorized. As a result, I ceased accepting wire transfers for payment to avoid further issues. 

I hope this information provides a clear understanding of the challenges I have faced with these banks. 

Sincerely, [ ]
Product: Credit card or prepaid card

I have a Kohl 's charge card where an unauthorized transaction occurred for XXXX on XXXX/XXXX/2018. The individual purchased a XXXX thermostat and had it delivered to their address in another state ( Texas ). I  received an email confirmation showing what the purchase was and that it was shipped for delivery. When I saw where it was going I immediately called Kohl 's customer service. They advised me that it would be put in dispute and that the card used would be closed and a new one would be issued. A few days later I received more emails from Kohl 's advising account changes had occurred. I called Kohl 's and asked what was going on. They advised me since I am not the primary I could n't open a fraud case it would need to be my spouse who is the primary card holder. So the transaction was never placed in dispute and the fraud analyst asked what I had done to have the individual charged. When I first called I alerted Kohl 's that I have the persons name and address and that I want them charged. They are trying to put it on me when it was their lack of security that caused my account to be compromised. I do n't think I should have to do anything and that the transaction should be canceled out.
Product: Credit reporting, credit repair services, or other personal consumer reports

ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX all these are fraud and should be treated as such
Product: Mortgage

We have a short sale approval from Wells Fargo. The approval is valid to XX/XX/2016. The Approval specifies " You, as the seller, must advise your settlement agent that they must contact Wells Fargo Bank , N.A . no later than 48 hours before the scheduled closing date and provide a copy of the final HUD-1 Settlement Statement. '' Closing was scheduled on XXXX and I provided Wells Fargo the requested items on XX/XX/2016. These items were emailed to XXXXXXXXXXXX ' ; XXXXXXXXXXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX I contacted Wells Fargo on XX/XX/2016 XXXX inquire on the status - I did not receive a response. I contacted Wells Fargo again on XX/XX/2016 ( one day AFTER we planned to close ) Wells Fargo finally responded and requested the closing documents that I already sent XX/XX/2016. 
The buyer is very upset that this has been delayed and Wells Fargo failed to process the final closing documents efficiently and put the sale in jeopardy.
Product: Debt collection

My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.
Product: Debt collection

Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.
Product: Debt collection

I still need credit card agreements in effect at account opening for each of my 4 credit card accounts. Multiple requests for such agreements has been made and nothing received.
Product: Debt collection

Dear Portfolio Recovery Associates Manager, I am reaching out to formally dispute the debt you have reported associated with accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I believe this account is fraudulent, as I have no relationship or prior contractual agreements with these institutions. 

In compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation and proof of your authority to report and collect this debt. To resolve this matter, please provide : Proof of Authorization under 15 USC 1692e and 1692f, substantiating your right to collect this debt.

Legal Basis for Collection, detailing the foundation of your authority over this account.

Proof of Authorization to Operate in [ Your State ], confirming jurisdiction and compliance with local regulations.

Evidence of the Alleged Debt, including any agreements or contracts that bear my signature.

A Full Account History, detailing all charges, fees, and any payments associated with this account.

Per FDCPA 1692d, 1692e, 1692g ( b ), and 1692f, reporting this account as mine without the aforementioned proofs infringes on my rights. In light of these provisions, I demand the immediate deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) if you can not provide this validation. 
I am eager to resolve this matter amicably and expect that in good faith, you will comply with the law by providing the above documentation. Should you fail to provide proper evidence of this debt, I request you delete all reports related to this account from my credit profile. Thank you for your prompt attention to this serious matter. I expect a response within 30 days to avoid any further actions.
Product: Money transfer, virtual currency, or money service

About XX/XX/2021, 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 bank account in the total amount of XXXX XXXX  utilizing Paypal services.