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

Complaint ID XXXX. My problem DID NOT FIX YET WHY ITS CLOSED. 

Company responded on XX/XX/2020 " Company 's Response Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below. Send the requested information to Experian, XXXX. XXXX XXXX, XXXX, TX, XXXX ... ... '' - USPS has been delivered my documents on XX/XX/2020 at XXXX XXXX  XXXX TX XXXX. I have certified mail, I already sent you what you asked for. 

- 1 copy of my ID, 1 copy SSN, 1 identification information form with my hand writing, 1 utility bill. 
- My tracking # XXXX - Now you asked me to sent them again. This is wasting my time and money because i have proof from UPSP, Experian already received my documents. Are you guys serious working? PLEASE TAKE AT LOOK SERIOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XX/XX/XXXXXXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XX/XX/XXXX, Have never done buisness with them, Completely Fraud.

Inquiry From XXXX XXXX Not familiar with them.

Inquires FromXX/XX/XXXXXXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I realized almost immediately ( due to habit to check my accounts ) that two fraudulent transactions were processed from my checking account using a bank tool called XXXX to an individual with the name " XXXX '', they were two transactions {$500.00} and {$2500.00} totals {$3000.00}. I did transfer {$100.00} to XXXX ( real ) days before, but this " XXXX '' has a different phone number and he doesn't have account with the bank were the money was deposited through the fraud transactions. Moreover, I was on the phone with Bank of America representative filing my claim, I was also communicating with XXXX ( cellphone service provider ) through a online chat because the hacker after he made the fraud transactions he damaged the SIM card and was unable to access my cellphone. Later the XXXX representative recommended me to go to the store and found out what was happened. In the store representative confirmed that I don't have service due to the SIM card was damaged and I bought a new SIM to be able to have service. Lastly, anytime that XXXX transfer is made is generated an email with transaction detail ; I had not received any email from Bank of America for the subject two fraud transactions. On Monday XX/XX/XXXX I received a letter from Bank of America stated the denial of my claim. I feel that their analysis was superficial and without considering all the facts.The amount is not insignificant, I really need to be credited in order to pay my mortgage and bills. I have colleagues and friends that have the same issue before and the bank credit their claims based on the facts. I did not need to transfer that amount to anybody and I can provide XXXX info to probe. This is a federal crime so I am willing to speak with FBI - Financial Crime Division.
Product: Debt collection

This was in the bankruptcy in 2016, it needs to go away now
Product: Credit reporting or other personal consumer reports

I just wont to know am i able to get a refund check for the law suit
Product: Money transfer, virtual currency, or money service

Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. 

My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. 

My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

Citi informed us via mail that they were closing our account and that funds needed to be moved or they would be mailed via check. We received this letter around XX/XX/XXXX. I called Citi to see if I could wire the funds and was told that I could if I went online. I processed the wire however due to it being over {$610000.00} they needed to validate over the phone, but didn't tell me that when I called. I missed the window to be able to process a wire. The account officially closed on XX/XX/XXXX. They were supposed to send the check in 24-48 hours due to the amount. They told me 10-15 business days. I have tried to contact Citi several times through my customer relations manager and the general customer service line as I don't have a bank located locally and their only solution is to continue issuing checks. I am losing thousands of dollars of interest. Please help me resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit reporting or other personal consumer reports

ORIGINAL CFPB # XXXX THE FOLLOWING IS THE ORIGINAL LETTER THAT WAS SENT TO THE COLLECTION AGENCY, THE ORGINAL DEBTOR IS STATING THEY NO LONGER HAVE THE DEBT OR THE NEVER EXISTED. I DIDNT RECEIVE MY XXXX FOR TAX PURPOSE STATING THAT I OWED ANY DEBT. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX TO WHOM THIS MAY CONCERN, I HAVE RECENTLY PULLED MY CREDIT REPORT AND NOTICED THAT THERE IS A COLLECTION LISTING FROM YOUR AGENCY. I HAVE NEVER BEEN NOTIFIED OF THIS COLLECTION ACTION OR THAT I OWED THE DEBT. THIS LETTER IS TO INFORM YOU THAT I HAVE THE RIGHT TO REQUEST A VALIDATION OF THIS DEBT AND YOUR ABILITY TO COLLECT THIS MONEY FROM ME BY PROVIDING THE ORIGINAL WRITTEN AGREEMENT. I ASK THAT YOU PROVE THAT I AM INDED THE PARTY WHO IS CONTRACTUALLY BOUND TO PAY OFF THIS DEBT OR STOP COLLETION ACTIVITY AND REMOVE IT ALL TOGETHER. PLEASE ATTACH COPIES OF THE FOLLOWING DOCUMENTS : PURCHASE AND/OR AGREEMENT THAT YOU HAVE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. AGREEMENT THAT BEARS WET SIGNATURE OF THE ALLEGED DEBTOR WITH PROMISES TO PAY THE ORIGINAL CREDITOR. COMPLETE PAYMENT HISTORY ON THIS ACCOUNT, TO PROVE THAT THE AMOUNT YOU WISH TO COLLECT IS CORRECT. I HOPE YOUR LEGAL STAFF WILL AGREE THAT NONCOMPLIANCE WITH THIS REQUEST WILL RESULT IN SERIOUS LEGAL TROUBLE FOR YOUR COMPANY. 

MUST BE REMOVED/DELETED ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I have recently reviewed my credit report and found several inaccuracies that need to be addressed promptly. 

Specifically, I am requesting the removal of all outdated addresses except for my current address. The incorrect information on my credit report is causing significant harm to my credit score and financial reputation, and I kindly ask for your immediate attention to this matter. 

Details of the incorrect information that need to be removed : Old addresses that are no longer associated with my current residence. 
Any other outdated or erroneous information that does not accurately reflect my credit history. 
Enclosed with this letter are copies of documents that support my current address and identity, such as a utility bill, driver 's license, or lease agreement. Please use these documents to update my information accordingly. 

According to the FCRA, you are required to investigate this dispute and correct any inaccuracies within 30 days of receiving this letter. I request that you provide me with a written confirmation once the corrections have been made to my credit report. 

Please note that failure to comply with the FCRA 's guidelines may result in legal action, including but not limited to monetary damages. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrected information.
Product: Mortgage

I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!
Product: Credit reporting or other personal consumer reports

They inaccurately put a phone bill from XXXX in the amount of XXXX on my credit from a company that bought it. A pay day Lon was also put on my credit for XXXX neither belongs to me. I provided proof of inaccuracies and there has been no change only updates to the amount.
Product: Credit reporting or other personal consumer reports

To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports '' 2 ) The IRS defines a Charged off account as Cancelled Debt that you have to pay taxes on. 3 ) Charged off accounts over {$600.00} reporting to your consumer report is TAX FRAUD. IRS states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collection account youre not obligated to pay. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater. I request to remove this account from my consumer credit report. Account ( XXXX XXXX XXXX )
Product: Debt collection

After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.
Product: Money transfer, virtual currency, or money service

Trying to setup XXXX card for my children and PNC bank won't verify information and communicate with XXXX
Product: Checking or savings account

I was charged overdrafts fees multiple times, sometimes for the same charge
Product: Credit card or prepaid card

I had contacted Capital One XX/XX/2020 to inform them of the late penalties I was assesed. But the bank informed me their systems were down and to call back at a later time. I had previously called and asked to be enrolled in automatic payments but Capital One refused to assist me with setting the automatic payments regarding account ending in XXXX. I am enrolled in payments with my other accounts and capital one assisted me in setting up automatic payments with these accounts. And I once again called on XX/XX/XXXX to explain what had happened but the representative refused to assist me in this matter. He claimed that their is a 12 month waiting period. I expressed to him that I've had a long standing relationship with capital one extending 4 years. And that I had regularly asked for automatic payments to be set up to my account in XXXX. I incurred these fees through no fault of my own as I do not have the legal authority to control and add and verify an external account to my credit card. I wish to address this as soon as possible and not be forced to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I to ask why I was not given the correct offer I saw on the website when I applied. On XX/XX/XXXX, I applied for the Chase XXXX XXXX XXXX because I saw a " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase XXXX XXXX XXXX was still " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( 125k bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your XXXX XXXX arrives in the mail, use it to earn 50,000 bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.
Product: Mortgage

In XXXX I filed complaint number XXXX. I also had my attorney contract Fay Servicing directly and advise them of their billing error. In their response, Fay Servicing admitted their error and requested I wait a few months until they could " fix '' the problem. continued to make complete, timely payments of the mortgage, although the error was still reflected in the statements. 

Now, despite all my payments being current, and having admitted their billing error Fay Servicing has ave petitioned the Bankruptcy court to release the stay and allow them to foreclose on my home. They cite the erroneously added, fraudulent " arrearage '' as the reason. 

I was a criminal prosecutor for 25 years, and I can't understand how this company is being allowed to commit fraud with impunity. They admitted the error to you, please contact them and remind them their filing is entirely based on an acknowledged error.
Product: Student loan

On an annual basis MOHELA asks for renewal of  Income  based repayment information. For the last few years they do not send the request to my current address which I have lived at for four years. I have received statements at this address for the last four years but when they need the information ( and I did not catch on to this tacit until today  ),  it costs thousands of dollars. Why do they send me statements at my current address but when information needed for upcoming years is requested they send it to old addresses? Managers responded that addresses get lost in the system but if I receive statements then someone is deliberately sending critical information to old addresses. I just figured this out today and feel   XXXX   and now owe so much more than I ever intended.
Product: Debt collection

Everyday since XX/XX/2021 I have been called over 4 times a day by Midland Credit. The calls begin promptly at XXXX when I am taking my child to school to continue through out the day. I have blocked them every time but they spoof their number and keep getting through. I have asked them to no longer contact me.
Product: Credit reporting or other personal consumer reports

When checking my credit profile I noticed some inaccuracies in my report.
Product: Mortgage

It is with desperation and respect that I again request from you to please review my file. I Have requested and provided financial documents to Chase various times. 
I wrote to you on XX/XX/XXXX and XX/XX/XXXX never received correspondence. I know that you are there for the consumer. I have provide over seven file and appeals to Chase to no success. I have now received from the bank attorney a " notice to occupant of pending acquisition. '' I decided to investigate and found out where I stand with Chase .My loan according to my note and mortgage is an FHA mortgage. I want to make this story short by letting you know that when I called HUd they stated that they could not help for my loan was not insured. All these years I was paying MI on my mortgage payment .Here I s the FHA case number XXXX. This file was originated as an FHA loan. 
I just received another notice that my home has a sale day of XXXX XXXX Please help, help some one is committing fraud in here .It is my understanding that Hud is there to defend the Fair Housing. I am a minority with no recourse. Please understand that this is my primary residence. and roof over my head. 
The reason for my default was due to loss of income for my wife was injured at work.I want to preserve my home please I want to settle this matter and make payments. Give me an opportunity. I am devastated. I could have began to pay my mortgage over a year ago. Chase is not giving me any other alternative than to proceed legally.
Product: Student loan

I was pressured to sign up for these loans while on welfare and a single mother of XXXX children. The school was bought out and closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems. I am now being asked to repay over {$100000.00} in student loan debt when I did not receive a quality education or benefit from the career that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the 3 bankruptcies on my credit report several times. XXXX, Experian & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, Experian, XXXX and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you