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

Dear CFPB, all three credit bureau and Franklin Collection, I have received a notice from the collection firm Franklin Collection ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and XXXX.thankyou in advance CFPB for your help with this matter!
Product: Credit reporting or other personal consumer reports

My account with ShellPoint is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Checking or savings account

I was unfortunately XXXX from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX XXXX I'm XXXX XXXX, TX. Before my XX/XX/XXXX I had requested a new debit card due to a couple suspicious transactions and had not received the new card prior to my arrest. During the time I was XX/XX/XXXX someone had accessed my new debit card, activated it, and made numerous unauthorized transactions totaling roughly {$480.00}. I had disputed it 3 times after my release submitting proof such as a letter of XX/XX/XXXX from the XXXX XXXX XXXX with contact info for the XXXX XXXX department clearly listed so that Chime may verify the info. I was unfortunately rearrested XX/XX/XXXX and released again XX/XX/XXXX at which time I filed a 4th rebuttal against these charges to be denied again. Every single time I have been denied I had requested the documentation that Chime based their decision on and never received anything.
Product: Bank account or service

XXXX XXXX -- -Sorry, I ca n't login to continue my complaint and have to go this route. PNC Bank " stole '' maintenance fees of {$7.00} per month out of my " FREE '' checking account since XXXX 2016 according to the Rep I spoke with on the phone. They never sent me " anything '' regarding changes to our agreement -- per their response to my ongoing complaint -- -their response to my complaint was " FALSE '' in all respects, I never received " ANY '' notice of " ANY '' changes to their policies, I PERSONALLY showed up at one of their branches and gave them my current address. Their " ACTUAL '' response was to eliminate my ability to access my account information online once they found out about my complaint with the CFPB and when I called to gain access, I found that every single record of my account had been " erased '' and my account had been " closed '' without my permission. PNC Bank owes me at least {$63.00} plus any penalties you wish to assess to them for all of their other clients that are suffering through the same circumstances I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX to dispute negative report made by CREDITORS COLLECTION. The closed the dispute and said it was verified. 

I contacted Creditors Collection on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. Creditors Collection received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to Creditors Collection. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did XXXX verify a debt without any basis of the amount owed other than a collection agency saying it was valid?
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau Officers, Dear CITIBANK N.A. Management, Unfortunately I'm reaching out to you again for the recurrence of the issue I faced on my complaint XXXX. After 5 Months this issue is recurring causing a financial damage for me, unnecessary occupying of Financial Institutions manpower because of the lack of smart monitoring system. I'm a remote-employee for an XXXX company which remits my money on regular basis monthly via XXXX XXXX wire transfer. For some reason when my employer types my name in full : XXXX XXXX XXXX XXXX in a single line it triggers your intermediate bank risk assessment, However I've already gone through investigation from CITIBANK N.A. Having their reference number : XXXX. The issue now is coming up for my XXXXXXXX XXXX XXXX. The sender has remitted the money on XX/XX/2022 and now CITIBANK N.A. as an intermediary bank is holding the money and re-asking the same questions that was already provided not so long ago in the previous Investigation. Gratefully I was able to get the money on the previous incident after reaching out to your CFPB now I'm feeling sorry to re-engage CFPB in following up with CITIBANK N.A. 

Attached the XXXX XXXXXXXX Message for my current issue. 

XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried through all website locations to get a copy of my credit report from Equifax. They have asked me to mail them more sensitive information in order to get it. Someone else could easily steal my identify if I Mail them a copy of my social security card? I placed a fraud alert on this account on XX/XX/18, I have called their customer service department on three separate occasions since then to be told they are upgrading systems and can not so anything and to call back later. This issue is still not resolved.
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.

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Payday loan, title loan, personal loan, or advance loan

RE : Ally Financial XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I cosigned for a car loan for my daughter who also is on this debt and she has been paying off this loan for 2 years. In XXXX, XXXX  my daughter had a horrible accident and by XXXX, XXXX she couldn't work so went on XXXX ( which she is still on because her company refuses to adhere to the labor laws concerning her abilities to work remotely ). Since that time she has tried to contact Ally to explain delay in payments. I also did the same. We couldn't get into her account via computer and when we called we would get an automated message or if by chance we got an actual person he/she were extremely hard to understand because of a very thick accent. When we would ask to speak to a supervisor they would hang up. Finally in XXXX, XXXX  I reached someone whom I could hardly understand however continued to get information and give my credit card to them to pay the past due amounts. They never told me that it wasn't going to be a charge on my card but was charged as cash advance. I was then charged by my credit card company over {$78.00} for fees and interest paid on a daily rate which continued to this month. I received a call from XXXX from Ally while working one of my XXXX jobs, so I couldn't answer. When I followed her message on how to reach her- call XXXX XXXX number ; then hit opt. XXXX, then opt XXXX, then an extension I got a person and started to give them the extension and they hung up. I did this twice with the same results. My daughter had auto pay however with XXXX she knew that wouldn't work and tried to let them know and cancel it to no avail. My daughter tried to reach someone again about the next payment online it said we owed {$1300.00}. Once again we couldn't get anyone to figure out why this was happening. My daughter assumed they wanted XXXX Payment also. However that would only add up to {$1200.00} not {$1300.00}. I own a business and when my husband was alive we owned a business together. Neither one was run so poorly as this financial company is run. I would like to know what my options are since they have ruined my credit rating ( in XXXX, XXXX  it was XXXX, today it is XXXX ) and I can't even get another loan to pay this off and start fresh.
Product: Credit card

I had 3 credit cards with capital one. I have never once been late on a payment but in the past 6 months after a separation and chronic illness, i had multiple situations where my identity was comprised and my card was used without my knowlede. I reported all of these to Capital One immediately. I am a fully XXXX person and do the best I can. I had an issue with a XXXX XXXX XXXX a few weeks ago and they emailed me a verbally harassing email ( which I am not going to go into ) thinking I was trying to scam them but it turns out it was simply a misunderstanding. They did however report something to my bank and then my accounts were closed. I have no idea what would have happened. 

I called capital one last week and was told i could apply again, which I did and was immediately accepted for a new account. 

This was also closed, killing my credit rating. 

I want to repoen these accounts or just one, the last one opened and have another chance to be a cilent. I can prove that my identity was compromised and as a XXXX person it is prudent that I have a card like this. 


thank you
Product: Debt collection

AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.
Product: Money transfer, virtual currency, or money service

I am the account holder of the Bank of America account XXXX since XXXX. The contractual terms of my account state that foreign wire transfers made in dollars are subject to a flat fee of {$45.00}. 

In XXXX, where I live and work, I have a multicurrency account with XXXX, which is able to handle multiple currencies including dollars and euros. 

Personally, I use both currencies in this account and I have never had any problems receiving wire transfers in either euros or dollars from other banks. 

Recently, I entered the XXXX  account details into my Bank of America online account so that I could transfer dollars from my Bank of America account to my XXXX account. 

Unfortunately, despite numerous attempts and countless calls to customer care, I am unable to make a dollar wire transfer. 

Your phone Customer Care service has not given me any reasonable explanations for the situation or provided me with any useful assistance whatsoever. 

The warning I get at every attempt state : we are unable to process your request. If your beneficiary is able to receive a different currency you may try with that currency. 

I have successfully made a test transfer of XXXXXXXX XXXX changing the currency through your service. 

It is evident, then, that there is nothing wrong with my transfer settings or account usage. 

Despite being able to transfer euros easily, I am not interested in transferring money in this currency due to the exorbitant currency conversion costs. 

As I have already mentioned, my contractual terms require a flat fee of {$45.00} for a transfer made in dollars. Therefore, I find it absurd that bank of america is not allowing me to use this online service and is forcing me to incur expensive currency exchange costs. 

In my opinion, this problem ( the causes of which are not even clear to customer care ) is due to the policy of bank of america, which may receive greater economic benefits from currency exchange services than from applying a flat fee for dollar transfers.
Product: Mortgage

I was a consumer with XXXX. Recently, due to litigation, XXXX transferred my loan to Loan Care. Prior to my experience with XXXX, my payment was {$1900.00} a month. Suddenly, with no explanation, my payment became over {$2200.00} with Loan Care. When I contacted Loan Care, they said that an escrow analysis had been done back in XXXX, saying I was short on my taxes and insurance by over {$2000.00}. This had NEVER happened in my entire time having my mortgage. And, I never received the loan analysis. When i contacted Loan Care, they put in for another " escrow analysis ''. 

This is unconscionable. And also a breach of contract. This increased my payment by over $ 200.00/month suddenly. I have never had that happen in my life. There has been on-going fraud with XXXX and I fear that Loancare is just taking up the baton. Someone needs to investigate this, as it appears to be mortgage fraud.
Product: Mortgage

My mortgage payments had been taken out of my bank account monthly by Huntington Bank since I got the loan. My last payment was supposed to be XX/XX/20. I got a statement ( as I had every month ) stating that {$1000.00} would be taken out. I got another statement on XX/XX/20 ( dated XX/XX/20 ) that my last payment was actually {$870.00} including interest and a recording fee. However, since it was due XXXX, interest would be charged per day. When I called them, they said to sign and fax the form that allows it to be taken out of escrow, which I did that day. I wrote on the bill that I should not have to pay additional interest since they wrote the letter the day before the due date, and I didn't get it until XXXX. I got another bill on XX/XX/20. Talked to XXXX who said the payment will go through with no late fee and he will request that it get backdated to XX/XX/20. Then I got another bill dated XX/XX/20 with a late fee of {$41.00} and additional interest added. Now the bill is {$910.00}. I called again and was transferred multiple times with everyone saying that they don't handle that in their department, my payments had never been automatically withdrawn, or they don't see any interest charges. One person, XXXX, stated that I will get a refund from the escrow. However, they still took out {$910.00} from my escrow which was not the correct amount. XXXX stated that " I didn't pay the {$910.00} so what was I complaining about? '' Seriously, this woman works in the banking industry? I paid the escrow! 

All documents I received are attached.
Product: Prepaid card

I received XXXX prepaid citi debit cards as a gift from my employer. Unfortunately I misplaced the cards and did not find them until a week after they expired. I contacted the agents at XXXX who claim the funds have been " forfeited '' and can not be reissued. 

The URL is XXXX. It is a Visa debit card. According to the page at : XXXX it looks like I should be able to get reissued funds, however the agents claim it is not possible.
Product: Checking or savings account

Subject : Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Regions Bank Dear Regions XXXX XXXX XXXXXXXX, I am writing to request the reinstatement of funds into my account in accordance with XXXX XXXX On XX/XX/XXXX until XX/XX/XXXX, around {$4600.00} was debited from my account without my authorization. This transaction appears to be an error or fraudulent activity, and I am requesting that the funds be promptly returned to my account. I have already filed a claim and got denied Under Regulation XXXX I must be reimbursed. 
Details of the unauthorized transaction : * Date of Transaction : XX/XX/XXXX - XX/XX/XXXX * Transaction Amount : Around {$4600.00} * Description of Transaction : It appears to be ATM withdrawals and store charges I have already contacted the merchant/service provider regarding this unauthorized transaction and have not received a satisfactory resolution. As per Regulation XXXX, I am entitled to prompt resolution of this matter and the restoration of funds to my account. 
Please investigate this matter promptly and provide me with an update on the status of my request. I have also already spoken to your fraud team and have not gotten a satisfactory resolution. 
Thank you for your attention to this matter. I expect a timely resolution and the reinstatement of funds into my account as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

first there were no choices to check for my related issue. i was given phone numbers for XXXX and Experian by XXXX to request freeze and a fraud alert om my credit reports at all XXXX bureaues ; XXXX, XXXX, experian and XXXX XXXX. Experian, XXXX, and XXXX XXXX will not answer calls and their websites are inoperable.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1800.00} XXXX XXXX bill on my report is wrong and misreported I disputed this account seems to be opened on XXXX XXXX by me But thats not belong to me and I disputed this indicating I used to lose my wallet and the account was removed from my report and the account status was closed Now two weeks ago same XXXX XXXX company trying to report this account and even though the status of account is closed trying to REPORT UNDER OPEN ACCOUNTS which prevents my credit score raise I need this account removed from my report immediately and my credit score must be restored cause lost 26 points just because of this misreporting Thax for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX  Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX