23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2020 I cancelled my cellular phone service with XXXX. I cancelled before the new billing cycle to avoid prorated charges. I also turned in all leased cellular devices as instructed by the XXXX representative. I have all of the credit receipts for each device returned to the XXXX XXXX XXXX XXXX XXXX. The Store representative assured me that i would not incur any further charges. I also returned a XXXX XXXX device that was provided by XXXX in my home to strengthen my devices signal strength while I had their services. 
I was reviewing my credit report in XXXX XXXX XXXX  and noticed that I had a collection for {$380.00} from XXXX through a third-party collection agency. I had not received any written or electronic communications prior to this time. I attempted to reach out to the listed collection agency on my credit report. I contacted Allied collection Services and sent all receipts verifying all cellular devices were returned to XXXX. A credit of {$1000.00} in total was returned. The collection agency representative stated that XXXX noted equipment was not returned but now the issue and balance should be resolved. 
However, I never received any other written or electronic communication to verify the collection agency had resolved the issue. My credit report continued to report the collection and also noted another collection agency called XXXX XXXX XXXX. The Allied Collection services noted {$0.00} in collection but the XXXX XXXX XXXX now is showing {$380.00} in collections on my credit report. 
I have made several attempts to contact these collection agencies but never received any recourse. No electronic or written communications were ever received. I even reached out to XXXX customer service before there company fully merged with XXXX XXXX and they only could tell me that maybe it was equipment I never returned or I owed a previous bill!. All of which I disputed and provided the receipts for returned equipment and reviewed all of my billing statement prior to me cancelling my service with XXXX. 
In closing I have disputed these collections on my credit reports without any recourse. I have all copies of returned equipment and my billing statements from XXXX XXXX XXXX XXXX. Any assistance to resolve these collections will be greatly appreciated. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed my Timeshare for purchase in XXXX. On XX/XX/2020 I was contacted by Mr. XXXX XXXX from XXXX XXXX XXXX XXXX advising me a buyer had been found and was interested in pursuing the purchase. They sent me a copy of the contract and asked me to submit ( XXXX ) break down as follows ( {$700.00} deed transfer, Title search {$600.00} Lawyer fees {$900.00} ). I was then asked to wire the money to the broker representing the buyers. I set up a wire transfer through Wells Fargo and it immediately came back with a flag requesting I contact XX/XX/XXXX and validate the identity of the broker 's name I was to wire the money to. Bottom line Wells Fargo did not send the wire. I was advised my {$2200.00} was seized and would be sent to the Department of the Treasury. I was dealing with the death of my son during this time and put this matter on hold until I was able to get my head clear enough to go after whom ever I need to get my money back. I have filed XX/XX/XXXX complaint, FTC reports so far. 

I want Wells Fargo to notify me at once about the status of the money and all supporting documentation they used to seize my money and how I can get it back.Wire Transfer Confirmation Print successYou have successfully submitted your transaction on XX/XX/2020 at XXXX XXXX Pacific Time. 
View your wire transfer activity or make another wire transfer Confirmation number XXXX Send to XXXX XXXX ... XXXX From account PREFERRED CHECKING ... XXXX Available balance = {$4300.00} Frequency One-time - send now Wire amount sent {$2200.00} Fees {$30.00} Taxes Local taxes may apply Total from account {$2200.00} Send on XX/XX/2020
Product: Credit reporting or other personal consumer reports

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency as well as XXXX and XXXX, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize : 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 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 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 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 None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.
Product: Mortgage

i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.
Product: Bank account or service

BBVA Compass provides a service called XXXX. XXXX allows customers to send payments to others via their email account or phone number. On XXXX/XXXX/16 I sent a payment of XXXX to a friend. I was charged an additional XXXX fee. I called customer service on XXXX/XXXX/16 to inquire about this fee. I was told, after she consulted with a XXXX representative, that the fee was because of I chose next day payment. I explained that the website says NOTHING about a fee and that it needed to be reversed. I was told that because the fee was assessed by XXXX, and not BBVA, nothing could be done. 
At this point I asked for a supervisor and told the customer service person that I would be submitting a complaint to CFPB because the Bank can not assess a fee, no matter how small, that is n't clear to the customer. This is not a fair practice. I was put on hold for about 10 more minutes. The same customer service person came back to the phone and informed me that 'management would refund the fee and investigate this issue with XXXX . '
Product: Credit reporting or other personal consumer reports

I came across the cfpb experian lawsuit. 

I was negatively impacted, by the TransUnionXXXX XXXX XXXX chances at credit after receiving a response to my early disputes that the accounts were " verified ''. But I don't see any details about your investigation. 

Do you want to be fined too Come with the receipts, or be quick to delete. 

Thanks and send me the new report with the corrections.
Product: Debt collection

I received no notice of this debt until i saw it on my credit report. I attempted to call to verify what the debt was and was not give a chance to verify, only options to pay. Have received no written correspondence. Tried to dispute through XXXX but it was returned as properly reported.
Product: Credit reporting, credit repair services, 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 USC 1681. 
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 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 XXXXXXXX ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall 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 in the inaccurate
Product: Credit card or prepaid card

I had not used the Credit Card in question for quite some time except to pay off an existing debt, through auto-pay. Once that balance was paid in full I discontinued the use of this card until recently. I made a purchase in the amount of {$300.00}. On the due date of payment ( XX/XX/XXXX ) I processed a dispute of this charge, as indicated on the instructions on the back of my bill ( I should dispute any unauthorized charge if not resolved by the due date ). After I disputed the charge I noticed that an Auto-payment had been processed on the same day. However I never authorized the Credit Card Company to process an Auto-payment in this amount, and this was not the amount I had originally set up Auto-Pay for previously. I called the Credit Card Company and requested that the auto-pay be reversed ( because the disputed charge would be eventually credited back to my credit card account from the institution making the charge ). The representative refused to do so. I asked to speak to a manager. Instead the representative hung up the phone in my face. I immediately documented that conversation in an email to the Credit Card Company, and requested that any bank charges be covered. I called my Bank to STOP PAYMENT on the payment. My bank did as requested. However, the Credit Card Company processed another payment in the same amount, even after I had discontinued Auto-pay. I called the Credit Card Company on XX/XX/XXXX to have the payment reversed. I had to request a manger to have it processed, after the representative misrepresented that the payment had already been credited to my banking account. I was informed it would take 2-3 business days. I indicated that this was unacceptable. However the Manager ( Named XXXX, Id # XXXX ) could not or would not expedite the process of this reversal of payment. Meanwhile the processing of that payment has disrupted my means of payment to other institutions, and caused me to incur a STOP PAYMENT fee of {$30.00}. along with late payment fees on other accounts. This process has caused stress and dismay. The Credit Card Company should be held accountable.
Product: Checking or savings account

Since filing the previous compliant with the CFPB last week, Chase Bank closed my checking account on the same day they received the complaint. I have spoke to the loss prevention department which is overseas and they don't understand when you talk to them the process or banking within the US. They have also locked my online account with the loss prevention folks stating I will not be able to have any access to online accounts or through the app. My checking account and loan are two different things. I have also requested that I go to the bank and get the XXXX cashiers check they state they will issue me. Unfortunately, loss prevention does not have a date they will return my XXXX in my checking out. Chase clearly thinks they can do as they please without any implications. I would like some assistance with this ASAP... Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX. We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to XXXX once an official claim has been filed.
Product: Credit reporting or other personal consumer reports

This account has persistently marred my credit history despite my repeated efforts to have it rectified. This letter serves as a formal dispute and a demand for the immediate removal of this erroneous entry. 
Account Information : XXXX XXXX XXXX XXXX I have previously submitted extensive documentation and proof that unequivocally established this account as the result of identity theft and fraud. Despite my diligent efforts to rectify this matter, the account continues to plague my credit report, causing immeasurable harm to my financial well-being. 
The Fair Credit Reporting Act ( FCRA ) mandates a prompt and fair resolution of credit disputes. It is essential to note that your continued inclusion of this fraudulent account on my credit report is not only unlawful but also damaging to my creditworthiness and reputation.
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 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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: Credit card or prepaid card

I received an email offer from Bank of AmericaXXXX for a credit card offering a {$200.00} credit statement and XXXX bonus points after spending {$1000.00} in the first 90 days. I spent over {$3000.00} in the first month. I clicked on the " Apply Now '' button and received the credit card and points. However, Bank of America has steadfastly refused to give me the {$200.00} statement credit. For the past 7 months I have been calling XXXX and Bank of America only to be given a case number each time with no results. I took a copy of the offer and the email to the Bank only to be told " we are not going to honor that offer ''. Can they refuse me the {$200.00} credit statement? Since I am XXXX years old, I believe they think I will just go away and will ignore me. Thank you for your assistance.
Product: Debt collection

On XX/XX/XXXX a Bank of America Resolution Specialist have contacted us saying the following : " I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 
Please contact me on XX/XX/XXXX to confirm that information. '' We called the Specialist on XX/XX/XXXX and we confirmed our identity. 
THIS SPECIALIST DID NOT EVEN TRY TO RESOLVE THIS MATTER. 
SHE SAID THE LOAN IS NOW SERVICED BY XXXX AND SHE GAVE US THE XXXX TELEPHONE NUMBER TO CALL. 
We are disputing the validity of this debt for the reasons already explained in previous complains. 
This matter will not be solved without the involvement of the Justice Department and the CFPB. 
XXXX  and Bank of America are by-passing the root cause of this complain which is the failure of Bank of America XXXXo process our Loss Mitigation Application, resulting in a " snowballing of the debt to unmanageable levels ". 
This debt must be validated, verified and renegotiated in compliance with CFPB regulation F, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. High Balance : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX list Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting, credit repair services, 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 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case