23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have made over 36 on time payments for this fifth third card, I got a notifications from Fifth Third that the payment system was down to pay my XXXX bill. I submitted the payment the following day and have proof that I submitted it on time before the cutoff, however, I am now noticing a late paymet on my credit report. I would like to formally dispute this error and have this late payment removed. Thank you.
Product: Money transfer, virtual currency, or money service

I have not been able to access my digital wallet with coinbase since I moved my address and all my enquiry dating back to XXXX this year has remained unanswered. I can not get a response from them to resolve my issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Michigan, XXXX XXXX XXXX XXXX XXXX Midland Credit Management ( acct # XXXX ) XXXX XXXX XXXX XXXX, Michigan, XXXX Subject : Cease and Desist Demand Dear Midland Credit Management I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. 

Please consider this letter a formal demand to cease all communications regarding this matter. I am not acknowledging the validity of the debt, and I request that you provide me with validation of the debt if you believe it to be valid. I am requesting the Puchase Agreement and Flow Foward Agreement.

Should you continue to contact me after receiving this letter, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 USC1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$600.00} Account Name : XXXX XXXX # XXXX {$9700.00} Account Name : XXXX XXXX # XXXX {$980.00} Account Name : XXXX XXXX # XXXX {$1500.00} Account Name : XXXX XXXX XXXX ( XXXX  ) # XXXX {$260.00} Account Name : XXXX XXXX ( XXXX ) # XXXX {$4800.00} Account Name : XXXX XXXX XXXX ( XXXX ) # XXXX {$2600.00} Account Name : XXXXXXXX XXXX XXXX  ( XXXX ) # XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX {$62.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Account Name : US Dept of EDXXXX XXXX XXXX {$510.00} I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Mortgage

I have talked to my mortgage company several times because they keep raising my escrow but my defacet was played and today XX/XX/2021 I was on phone with XXXX XXXX and mortgage company asking why and no one could answer question and then they just hung up on us tried calling back put on hold for over 1 hour tried calling back and they kept sending between departments with no one able to answer questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XXXX ... ... 3 letters later and yet TRANSUNION or XXXX have done nothing, XXXX has failed to provide me for a release form where I signed to release my XXXX ( which is in hippa violation ).
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible : Name of Creditor/ synchrony care credit There is a serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within 30 days.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I don't understand how or why they are there. When I checked my report like usual, these discrepancies just showed up. I even refreshed my browser, hoping it was a mistake, but they stayed. I need the documents I sent to be reviewed closely and this resolved immediately. Im really frustrated that this is happening and I cant wait for this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I contacted a shoe seller on XXXX to purchase 4 pairs of shoes for a total of {$1500.00}. One transaction was with XXXX for {$750.00} and the other transaction was with XXXX XXXX for {$750.00}. Both of these payments were sent on XX/XX/2022. Everything about him seemed legit so I sent him the money and he provided me with a fake tracking number and never sent the shoes to me. I tried to ask him to send me my money back and of course he wouldnt. So I contacted Wells Fargo which is the bank that is connected to my XXXX and XXXX XXXX. I opened claims and they said they could not refund me because the transactions were authorized. They never even allowed me to show my proof regarding the scam. I have screen shots of the messages on XXXX  between me and the scammer showing that he scammed me. I also have proof that the tracking number he sent is fake. It is XXXX. I tried contacting XXXX and XXXX but they said I had to contact my bank for a refund. However, Wells Fargo did not help at all. I am extremely upset and am looking for a refund.
Product: Checking or savings account

Date : XX/XX/2019. Complainant has communicated to several Federal and State Agencies, to address an Issue involving a National Bank - Bank of America informing a Customer of approximately 2yrs, that he could relocate with-in the U.S. with-out Closing and Re-opening his basic Checking Account. The Original Bank Account was opened with Bank of America, Manager XXXX XXXX, XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) Washington, D.C. XXXX, ( XXXX ) XXXX and this Complainant traveled to Bank of America, XXXX XXXX XXXX, XXXX, Texas, XXXX. 
he met with Mr. XXXX XXXX, and Mr. XXXX XXXX, Relationship Mgr. Also obtained a U.S. Post Office address, which has issues, with proper delivery service, at this time. ( At nearby location at XXXX XXXX XXXX, XXXX, Texas XXXX. ) Complainant is being disrespected by the Bank of America, Employees at several locations, concerning his U.S. Social Security Administration benefits, for a XXXX XXXX Injury, which was Diagnosed during the President William Jefferson Clinton Administration, in XXXX, Ohio to last a lifetime. 
And Re-Evaluated in Washington, D.C. shortly after his XXXX XXXX XXXX, in a Homeless Shelter. 
> Detailed Federal Agency Formal Responses : ( Not a Complete List ) Date : XX/XX/XXXX, and XX/XX/XXXX2019 : Email : Congresswoman XXXX XXXX reporting Former Spouse, and Ex-wife XXXX XXXX XXXX, attempt to stop beneifts, housing discrimination, and other matters.. 
Date : XX/XX/2019 - Email : CFPB <XX/XX/XXXX> Ref. XXXX. ( Detailed Narrative and Complainant. ). 
Date : XX/XX/2019 - Email : XXXX. 
Ref. # XXXX. ( Successfully submitted Online Complaint. ) Date : XX/XX/2019 - Email : XXXX. Office of the Attorney General ( N.C. ) Detailed Narrative and Complainant ) Date : XX/XX/2019 - Email : Office of the Attorney General. 
XXXX XXXX. ( Formal Complaint on XXXX XXXX, and her staff. ) Date : XX/XX/2019. U.S. Social Security Admin. Direct Deposit sent to, Bank of America. ( {$XXXX} ) Approx. 
Date : XX/XX/2019- Email : CFPB < XX/XX/XXXX> Ref. # XXXX. ( The Company has Responded to your Complaint. ) > Complainant unable to view, the Company Response Online. 
Date : XX/XX/2019. Met with U.S. XXXX XXXX Office, Senior Staffer XXXX XXXX, unsuccessful, based on Discrimination. 
( Race, Sex, Family, National Origin ) Date : XX/XX/2019. U.S. Social Security Admin. Direct Deposit sent to, Bank of America. ( {$XXXX} ) Approx. 
Date : XX/XX/2019 Met with U.S. Rep. XXXX XXXX, on XXXX XXXX, provided staff business card. 
Date : XX/XX/2019. Visit to Bank of America, XXXX XXXX XXXX, XXXX, Texas. XXXX, met with XXXX XXXX XXXX, refused to allow Telephone Call to Customer Service, and XXXX XXXX, ( D.C. ) Unavailiable. 
Complainant used their Telephone to Notify the XXXX Police Department. 

Please Email Response : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XX/XX/XXXX
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 XXXXXXXX XXXX XXXX the following inquiries ( 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 XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To whom it may concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX ... XXXX 
XXXX ... XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX 
XXXX XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I opened a checking account through BB & T on XX/XX/19 by clicking on a banner ad on the bank 's homepage. The ad advertised a {$200.00} bonus if certain conditions were met : 2 direct deposits of {$100.00} or 3 bill-pays of {$25.00} or more, within the first 75 days of account opening. I completed the 2 direct deposits on XX/XX/19. The terms stated account would be reviewed between 75 and 90 days of acct opening. 

I sent a secure message on XX/XX/19 asking when I would receive the bonus. Message changed the terms and stated acct would be reviewed between 75 and 120 days. 

I sent another message on XX/XX/19 asking when i'd receive the bonus and was told that no promotional code had been attached to my account. This is not possible ; I opened the account by clicking through an ad on the homepage and no code was needed. When opening the account, it was clear the promotion had been applied. 

In addition, when I first messaged on XX/XX/19, the CSR made clear my count would be reviewed and never said there was no code attached. 

After multiple phone calls and secure messages, I have been told that a code has been added to the account ; however, no bonus has been given, and no one will tell me when/if it will be. 

This is not the only issue I've had with BB & T. The terms upon opening the account say no monthly maintenance fee will be charged if I maintain a {$1500.00} avg bonus or have {$500.00} in direct deposits ; no time period is stated. However, as the name of the fee implies, I assumed it would be monthly. I did not learn until a few months in when one paycheck was lower than usual that the fee is charged per statement cycle. Nowhere is this stated. I had already changed my direct deposit so that I would have {$500.00} per month, but it did not work out to be {$500.00} per statement cycle. It took multiple secure messages and threatening filing a CFPB complaint to get the fee refunded. 

Every experience I've had with BB & T has been terrible. They do not make clear when/how they charge fees ; they regularly do not attach promotional codes ( the same exact thing happened to my wife ) ; their customer service is slow and non-responsive. I've communicated with : XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Student loan

My loan is in default, I have been trying to establish an Income based repayment plan with Delta Collection Agency @ XXXX. I 'm frustrated by their delaying tactics. I have sent in all requested documents even three years of tax returns, reference letters, Hardship letter yet every time I call something is missing, even though a supervisor told me yesterday everything was their. I have the opportunity to restart school but need my XXXX in place first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her  what the name of the person who will be calling and she said she does not know. I asked her whattime the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account Numbers.

Bank : XXXX XXXX XXXX Account # XXXX Routing # XXXX Bank : Bank Mobile ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX - OH ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX Account XXXX XXXX Routing # XXXX I dont recognize the following accounts. Im victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately. Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Aloha! 
My Bank is Bank of Hawaii. 
I noticed that there was a charge of XXXX cleared from checking acct on XX/XX/XXXX. 
Then there was another charge of XXXX cleared from checking acct on XX/XX/XXXX. 
I disputed these charges on XX/XX/2023. Sent them numerous emails. 
I then called Bank of Hawaii asking if there was a phone # connected to these charges. I accidentally deleted my call history but made several calls to the number that said, " the phone you are calling has a voicemail that hasn't been set up yet. '' I know through my experience with customer service employment that even if voice mail hasn't been set up, the owner can still see the number that called them. Because a lot of customers would call back asking who we were etc. 
My pleas to BOH was I did what they wanted me to do to contact the company that really was not known to me. 
I am XXXX years old and frail where I wouldn't be trying to do a fitness program with XXXX XXXX and XXXX. 
The Bank CSR up to the management level yesterday claimed that they couldn't do a provisional credit because it is still under investigation. I told them then release the money deposited that are not part of the dispute. They said sorry they couldn't do that. I continued to tell them why penalize me and hold my funds that has nothing to do with the bogus charges. 
They kept repeating the same thing balance minus this balance minus that. 
I got angry and said, " I miss those in management and teller who was old school who worked from the heart and not use the hat of management as a negative and would help than hurt. 
All I want is for someone to believe in my plea and expedite the return of these bogus charges that belongs to me and not whom ever this XXXX company is!!!! 
Thank you so much and God bless you! 
Account Activity Change Account XXXX XXXXXXXX XXXX, XXXX Account information {$120.00} Available balance Current balance : {$120.00} Last 60 Days All Recent Year To Date Last Year Search All transactions for the last 60 days Show scheduled transactions Date Number Description Amount Balance XX/XX/2023 FUNDS TRANSFER Gather to BOH for OD Miscellaneous XXXX XXXX XX/XX/2023 XXXX XXXX FEE REFUND/ BOGUS W/D XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 CUSTOMER DEPOSIT XXXXXXXX XXXX 2nd loan repayment Balance XXXX Miscellaneous XXXX XXXX XX/XX/2023 NSF ITEM PAID FEE OD FEE/BOGUS CHARGE DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS W/D DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS W/D DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 CUSTOMER DEPOSIT XXXX  1st loan repymt Balance XXXX Miscellaneous XXXX XXXX XX/XX/2023 CREDIT MEMO BOGUS CHARGE DISPUTE DONE Miscellaneous XXXX XXXX XX/XX/2023 CREDIT MEMO BOGUS CHARGE DISPUTE DONE Miscellaneous XXXX XXXX XX/XX/2023 XXXX XXXX PAYMENT XXXX CHARGE Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS CHARGE DISPUTED DONE XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX