23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
Product: Checking or savings account

I have recieved a call today from a debt collector trying to collect funds from an account I have no idea about, As this has never happend to me before please help me remedy the situation and let me know what to do. Thank you for your help and is much appreciated and im looking forward too hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about XXXX inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear AARGON AGNCY, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX XXXX state laws.

It has unequivocally come to my attention that AARGON AGNCY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. FurthermoreXXXX XXXX state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AARGON AGNCY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that AARGON AGNCY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGNCY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

I have been a victim of fraud from Bank of America, someone opened an account with my name and social security number and has stolen my identity cause the Bank allowed this to happen. I was also charged high cost also which make me a victim of bad credit, I have to freeze my credit so the thief 's want us my name anymore which I can use either. I called the Bank of America, and they just told me that some kind of investigation was going to happen, but I have not heard anything from them as of now. I'm deeply disappointed. I should be confiscated for my problems and looking for someone to help me with the matter. my email address is XXXX. Please help me with this matter.
Product: Checking or savings account

I tried to open a discover online checking account and was required to submit ID verification form on XX/XX/XXXX. 

For the first ID verification form, I was notarized by one of the bankers at XXXX XXXX and sent it to discover bank via their secure link on XX/XX/XXXX. Later I called to check in my application process and was told that discover wasn't able to verify my form because the banker was on vacation and wouldn't be back until XX/XX/XXXX. 

In lieu of this, I sent out another form to discover bank on XX/XX/XXXX and called on XX/XX/XXXX to request my form be sent to notary department. On the phone call, the agent told me that she would make sure to forward it to the notary department. 

On XX/XX/XXXX, I called again to check my application status and was told by the agent that the notary department wasn't able to verify the form yet because they couldn't get hold of the banker who notarized my form, and the phone call went directly into the general customer service line. 

On XX/XX/XXXX, as of today, I called again to check on my notary verification form and was told by the agent that the second form had not yet sent to the notary department. Astonishingly, she said there were no notes or communication records had been left on her end, except the XX/XX/XXXX call. 

I am more than appalled to learn that my XX/XX/XXXX call and XX/XX/XXXX call went to moot, and two agents, who specifically told me on the phone to forward my notary form to notary department, had just done nothing with my application. This kind of bureaucratic infuriates me more than ever. 

I attached some of the phone calls I made to discover bank, which amount to one hour, yet nothing was done.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} N/A Account number XXXX Date opened XX/XX/XXXX Balance {$580.00} TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to the XXXX, XXXX and XXXX to investigate the reporting. They reached out to the company Plaza Services, and the company was unable to provide signed contracts that I was responsible for the debt. In return, the agencies removed the debt from my credit report. Later the company resubmitted the debt.
Product: Credit card or prepaid card

I had a credit card account with Baclays Bank for an XXXX card for the credit card line amount of {$3000.00}. As of XX/XX/2018 I decided to pay the entire balance in full. After making this payment in full prior to the billing cycle close and there was a XXXX  balance. I was charged {$63.00} interest on a XXXX  balance after the billing cycle closed. I called customer service to complain about the balance and have it removed due to it being an error. The customer service did not agree and would not remove the error. I demanded to speak with a manager. The manager had the {$63.00} balance credited. However, as retaliation she had my account sent to be reviewed for having a high balance on my credit card account. Mind you the balance was {$0.00} at this time. Nor had my account ever been triggered before this incident for a High credit balance. I called Monday XX/XX/2018 because I received a credit alert that my credit limit had been lowered to {$500.00}. I called to be given an explanation why. The manager XXXX informed me it was due to high credit card limit activity. Even though at this time the balance was {$0.00}. I informed XXXX I feel I  have been discriminated against in their banking practices. I asked XXXX what is their protocol if I wanted to file a formal discrimination complaint. XXXX stated there was only an internal investigation that will be held. At the conclusion of this investigation of what the findings were the customer would not be contacted. At this time I feel I was discriminated against and retaliated against due to me complaining that the Bank was attempting to charge me interest on a {$0.00} credit card balance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) What happened? 

On XX/XX/XXXX and XX/XX/XXXX, I received the depute results Rpt. # XXXX, regarding my Bankruptcy # XXXX. I disputed it as inaccurately reporting. The address on file with the Bankruptcy Court filed XX/XX/XXXX, address is different from the current address I am living. 

The FCRA 609, states that it is a crime not to adhere to their Federal Law 's regarding the slightest inaccuracy in a consumers credit report. The information Reporting with my XXXX Credit Reporting Agency is not the same as the XXXX Bankruptcy Court files. The Bankruptcy Courts do not under any circumstances comunicate with Credit Reporting Agencies or any other 3rd Party Agency. The Credit Bureaus have inaccurate information they do not have complete information, and the FCRA 609 requires the complete information from Bankruptcy Court to be placed in a consumers file, in order for the file to be completely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA you are in violation. 

Capital one XXXX Account ending in XXXX 12 CFR 1026.11 - Treatment of credit balances ; account termination.

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Money transfer, virtual currency, or money service

We initiated a wire transfer on XXXX XX/XX/year> for USD XXXX to a not-for-profit charitable organisation in XXXX XXXX we have been supporting for over a decade. Over the years, we have initiated and completed many wire transfers to this charity. The money left our account on XXXX XX/XX/year> and as at today ( XXXX XX/XX/year> ), it has not reached the recipient 's account. On XXXX XX/XX/year>, we received a secure message via Chase Bank saying a correspondent bank in their chain has requested information regarding the nature or vocation of the ordering customer and the purpose of the transfer. We responded to this message with the information required on XXXX XX/XX/year>. Since then, we have sent XXXX requests via the same secure messaging service for information on our wire transfer funds as it has still not been received. In addition, we spoke to someone at the wire transfer department of Chase Bank on XXXX XX/XX/year>. We are yet to have an explanation as to where our funds are, why they have not been received by the recipient, and what Chase is doing to ensure the safe delivery ( or at this stage, return ) of our funds. Chase Bank has been unforthcoming and unhelpful, their only reply and refrain being that they are making enquiries with banks in their chain. As you can imagine, given almost 1.5 months have passed since the funds left our account, this is not longer an acceptable response. A simple XXXX search has made us aware this is not an unusual thing with Chase as there are numerous examples of other customers who have had a similar struggle. This is made especially difficult as we currently live in the XXXX XXXX and getting through to Chase on the phone due to their lack of any worthwhile response to secure messages has been costly and time consuming. 

Please contact us by email in relation to this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responding to your XXXX  XXXX XXXX letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??
Product: Credit card or prepaid card

XX/XX/XXXX Credit Card was hacked through XXXX. Notified XXXX at XXXX of fraudulent credit card usage. We were told once charges are pending they can not be removed except by the merchant. XXXX charges on this date involved cash advances of {$1200.00} and {$660.00}. At this time a cash advance transaction fee of {$95.00} was placed on our account in connection with these XXXX advances. 

We continued to make frequent calls to XXXX fraud center and to XXXX fraud unit to get the cash advances removed. XXXX saw obvious signs of fraud on our account which involved other credit cards for XXXX purchases and as a result of their investigation on XX/XX/XXXX they contacted XXXX and credited our account for the XXXX cash advances. I do not believe XXXX was legally required to compensate us as I think credit card companies are supposed to be the ones who are responsible for fraud. Nevertheless XXXX told us repeatedly not to worry, that if the fraud was straightened out that all associated fees would disappear. 

The credit card still shows {$190.00} in cash advance fees. We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time were told dont worry but nothing is done, We were forced to pay the bill to keep our credit good.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I had purchased service w/ XXXX XXXX for {$170.00}. I was supposed to have received a tracking number and details from XXXX XXXX on when I would receive my SIM card, but I received neither nor my package containing said item. As the email I did receive from XXXX XXXX indicated, I should have received the package within 5-7 business days. I waited 10 days before attempting to unsuccessfully reach XXXX XXXX. I finally reached out to Barclays immediately afterwards. After several attempts from speaking with Barclays, they eventually closed the case after originally asserting that I agreed to the no return policy for an item I didn't receive, then in a later notice I received, stated that they could not get in contact with XXXX XXXX for retrieval of the money. I was even able in limited instances able to get in contact with XXXX XXXX after they committed to provide me a refund in 2 instances, then I provided that to Barclay, but that was not enough for the bank to retrieve it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made a purchase where the payment was made through PayPal in the amount of XXXX. I have contacted the merchant for a refund because they had not shipped my items or provided accurate shipping information. I also contacted PayPal on XX/XX/2020 where I was informed that the said Merchant MISSINSTYLE had not provided any tracking information to them either. However, PayPal is refusing to issue a refund and wants me to wait until XX/XX/2020 for the merchant to ship the package. I have emails from the merchant refusing to issue a refund stating that it has been shipped and I should wait until I receive it to see if I like the item. Clearly the item has not been shipped but they have received payment, I would like assistance with getting my funds returned since the bank is unable to dispute the charges being that this is a third party purchase. Something I was totally unaware of prior to calling the bank
Product: Credit reporting

It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. Transunion is always blocked by my anti-virus system when they try to transfer me to a malicious website and XXXX always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
Product: Credit card or prepaid card

States that I had been issued a credit card. I do not have a credit card nor have I ever applied for one.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Respond to CFPB Complaints.

This letter serves as a final demand for action in response to my 3 complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX Complaint No. ( XXXX ). XXXX. ( XXXX ) on XX/XX/XXXX complaint number XXXX. ( XXXX ) on XX/XX/XXXX complaint number XXXX. Despite the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to respond to my dispute, which is a blatant violation of federal law.

According to the FCRA. Equifax is mandated under 15 U.S.C. 1681i ( a ) to investigate and respond to disputes within thirty days of receiving the consumer 's dispute through the CFPB. It has been well over thirty days specifically more than 40 days and no response has been provided, which constitutes a violation of 15 U.S.C. 1681n and 1681o. These violations could make Equifax liable for both statutory and punitive damages.

This failure on your part is not the first of its kind. Equifax has a long history of similar violations. The XXXX data breach and the subsequent class-action lawsuits, including In re Equifax Inc . XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), are further evidence of Equifaxs consistent failure to uphold its legal obligations. The lawsuit filed by XXXX XXXX in New York, for example, highlights your company 's negligence and violations of the FCRA [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX XXXX XXXX XXXX ] ( XXXX XXXX XXXX ). 
Additionally, Equifax has faced numerous other suits like 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, further proving the company 's disregard for legal responsibilities and consumer rights.

As a consumer, I have been more than patient. However, if I do not receive a full investigation and resolution of my complaint within **seven days** from the date of this letter, I will escalate this matter legally and seek compensation for damages under the FCRA. I expect immediate attention to this matter. I am demanding that these accounts to be deleted immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Social Security number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX