23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

It was XXXX when my phone and debit card were both stolen. XXXX XXXX, you can read app and text messages/notifications with your phone locked. That is how the money was stolen from the card. I immediately locked my debit card and ordered a new one. XX/XX/2022 a transaction for {$700.00} was posted on my account. The merchant was an online tech company, XXXX. Before this, I had never heard of it. The Capital One support team were very minimal with questions, which may also reflect on the extent of their investigation. My fraud claim was denied twice, even after explaining that my phone and card were stolen. They would not provide me with any reason for denying the claim.
Product: Money transfer, virtual currency, or money service

Regarding : Temporary Provisional credits The company is trying to deny the remaining unauthorized fraudulent withdrawals and fraudulent unauthorized wire transfers. 

I am submitting additional documentation with the date as proof of my reporting to the company within the 60 day time frame with the original date included. 

The remaining unauthorized transactions should be included in the on going investigation, and a temporary provisional credit should be issued for the full amount for both accounts asap, as the company has already requested additional time and ( 10 ) business days have gone by for both accounts. 

It states this protocol on the company 's website, and they have failed to do so as of yet. 

A temporary provisional credit should be issued asap, back to my current account for the full amount being investigated, while the investigation is on going. Regarding : Temporary Provisional credits The company is trying to deny the remaining unauthorized fraudulent withdrawals and fraudulent unauthorized wire transfers. 

I am submitting additional documentation with the date as proof of my reporting to the company within the 60 day time frame with the original date included. 

The remaining unauthorized transactions should be included in the on going investigation, and a temporary provisional credit should be issued for the full amount for both accounts asap, as the company has already requested additional time and ( 10 ) business days have gone by for both accounts. 

It states this protocol on the company 's website, and they have failed to do so as of yet. 

A temporary provisional credit should be issued asap, back to my current account for the full amount being investigated, while the investigation is on going.
Product: Debt collection

As of XX/XX/XXXX, the account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ) is listed as disputed on my TransUnion Credit Report under the Fair Credit Reporting Act, Section 1681e ( b ). The account shows an original balance of {$690.00}, with no outstanding balance. The account was marked as open since XX/XX/XXXX, and its status was updated in XX/XX/XXXX. I believe the information reported is inaccurate and is negatively affecting my credit score.

Actions taken by me : I disputed the accuracy of the reported information with TransUnion, requesting a review under 15 U.S.C. 1681e ( b ).

I requested that TransUnion verify the account details and correct any errors in the report.

Actions taken by the company : TransUnion acknowledged my dispute but failed to correct the error, and as of now, the dispute remains unresolved, continuing to negatively impact my credit report and score.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. I am requesting a review and correction of the reported information to comply with this requirement and ensure my TransUnion Credit Report reflects accurate details.
Product: Debt collection

There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency. 
This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards.

If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this account.
Product: Mortgage

My escrow account decreased thereby decreasing my mortgage payment and Bank of America 's Branch Office located on XXXX XXXX XXXX, XXXX, NJ XXXX will NOT accept my payment. The representatives claim that I am paying LESS than what the mortgage payment due is as shown on their computer system. I have explained each time to the drive-thru employee that my Escrow Account was adjusted and I am remitting the full monthly mortgage payment for XXXX XXXX, 2015. They refuse the FULL payment each and every time. I have appeared on numerous occasions which began on XXXX XXXX, 2015 and today, XXXX XXXX, 2015, was my last attempt and the payment was rejected again. I now assume that BOA does not want my mortgage payment for reasons unknown to me. If I do not make a payment, BOA will ruin my stellar credit. Please note that when I attempt to make a payment, I utilize the payment stub that Bank of America provided to me in XXXX, 2015, with my new Escrow Analysis. 

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$390.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$220.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

On XX/XX/2022, XXXX unauthorized charges were fraudulently made to my Chase card, totaling {$2300.00}. I reported the charges to Chase, which initially reverse the charges before revoking their decision, claiming that I received benefit from the transaction. The charges remain on my account. 

Obviously, I had not made or authorized the charges my card information had been stolen and I had nothing to do with the transactions. I filed a police report with the XXXX XXXX Sheriffs Department ( permanent case number XXXX ) and further disputed the transaction by mailing a physical letter to Chase on XX/XX/XXXX. I used XXXX certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX in case they want to deny receiving it. The letter demanded that they provide me with the evidence they based their decision on, as the law requires them to do. They have not responded in any way. 
I also used their secure messaging service on their website on XX/XX/XXXX and XX/XX/XXXX to ask for a response. In both cases I got an automated we received your message with no subsequent human follow-up. 

On XX/XX/XXXX, I sent another physical letter. No response. 

In no case has Chase responded to any of my communication in any way whatsoever. 
Worse, Chase knows that the charges were in fact fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Department told me via email ( screenshot attached ) that Chase has an investigation ongoing involving this suspect as it appears numerous cards were used through the digital wallet. 

XXXX says The creditor must acknowledge your complaint, in writing, within XXXX days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within XXXX billing cycles ( but not more than 90 days ) after getting your letter. The creditor has not acknowledged my complaint, in writing or otherwise, and they have not resolved or even acknowledged the dispute despite far more than XXXX billing cycles having elapsed. At this point Chase is both in violation of federal law and complicit in a two-thousand-plus dollar fraud against XXXX of their customers. I ask that you force them to resolve the situation as the law requires, and frankly I wouldnt mind if they pay an additional price for their unlawful behavior.
Product: Money transfer, virtual currency, or money service

XXXX PayPal XXXX from XXXX Wont provide me contact information to track my refund of XXXX PayPal and XXXX ( owned by PayPal ) are holding my 1925 claiming they have an internal technical issue preventing them from sending me my money. They stated they are holding every persons money and wont provide me any proof that they even have it. Called XXXX  and they blamed PayPal, called PayPal and they blamed XXXX. I cant even speak to someone in the US to assist me. They give vague answers and basically told me I have to just keep calling back if I want my money. 

I asked for proof that they are holding my balance and they would not provide any.
Product: Debt collection

Upon reviewing my Consumer Reports, I discovered multiple inaccuracies regarding the reporting of a collection amount, date opened, and failure to report to Experian for a rental collection on my account, which is inaccurate. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. 

The amount and date opened of the reported collection for the following account : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as a collection letter, demonstrating the description/details of the missed payment, when it was due, and the accurate amount owed. 

If unable to furnish such proof, I demand that this collection be promptly updated to reflect its true status as on-time.
Product: Credit reporting

I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these accounts
Product: Debt collection

I am unaware of this debt and did not receive the proper notification of this debt. I also have not been given the chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) debt collectors must notify you within 5 days of receiving an account and this did not happen.

Debt collectors also hav no authority to furnish an account to a consumer reporting agency without providing proper documentation and all disclosures required by law and this is a clear of 12 CFR 1006.34 ( d ) If you believe you have supplied me with the proper notification please provide me with the certified mail receipt with my signature.
Product: Credit reporting

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been discharged about 2 years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute above is for the inquiries and the one below is for the bankruptcy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My daughter and I had account with BBVA. One account was mine alone, and the second one is mine along with my teenage daughter. BBVA was purchased by PNC. We were no longer using the BBVA accounts regularly but, as my daughter was going to college, we agreed to keep them open for a couple of months to see if she needed them while she was away. She did not, and took all the money out of her account. On a couple of occasions, I received notices from PNC that my balance was low, so I made a couple of small deposits, as I did not want the account to be overdrawn. Several months ago, we decided to close the accounts. I called and was told that I would receive a document to sign. Never came. I messaged through their app and left messages on their social media and was told that the accounts would be closed. Still nothing. Finally, on XX/XX/2022, I received a call from an XXXX XXXX at PNC retail escalation group who asked me to call her back so she could help me. Her direct line is XXXX. I have called her back 4 times, with no response. At this point, I don't know how much has been taken out of our accounts in fees we did not authorized, etc., but I am receiving daily emails now from PNC telling me that my account is overdrawn and to please deposit money. We feel that we have given PNC more than enough money to maintain accounts that we did not want or use.
Product: Credit card

Capital one charged a {$39.00} Late fee in violation of the XX/XX/XXXX CFPB final rule limiting maximum allowed charges for credit card penalty fees. 

I requested a late fee waiver or reduction of the late fee to the maximum allowed {$8.00} fee, on XX/XX/XXXX and Capital one customer service rejected my request. 

I'm requesting that the {$39.00} late fee be waived entirely especially since I have now paid the minimum required to bring the account current for the month of XX/XX/XXXX. I Have never been 30 days late on this account.
Product: Debt collection

A company called JNR adjustment company in XXXX Minnesota has been sending letters to me stating that I owe {$710.00} to my telephone company of XXXX XXXX. 

I contacted XXXX XXXX and talk to a gentleman in the department of loss by the name of XXXX his telephone number is XXXX and he stated to me that on the date it was on the letter sent to me to be collected the money of A damage claim on a telephone line on XX/XX/2022 he stated was a standard call out and there was absolutely no charge. 

I told him of the collection letter from this company in XXXX wanting me to pay {$710.00} he said there was nothing owed by me and it would appear to be a scam and to absolutely not pay that bill because there is no bill or any money owed by me XXXX XXXX XXXX also said this makes absolutely no sense because my XXXX XXXX bill is in my wife XXXX XXXX name and he asked me to report this as a scam against XXXX XXXX
Product: Credit card

I've made over 5 payments and they've never been applied to my account. I've tried faxing since XX/XX/XXXX up until now and the fax machine " no answer ''. I went directly to XXXX store where they contacted Concora Credit and spoke directly with customer service. 
I spoke with XXXX who was helpful ( supervisor ) spoke with XXXX, and XXXX. They were not able to help me nor did they suggest what I can do. I search the website of Concora and sent emails directly to the corporate staff, XXXX XXXX, XXXX XXXX, XXXX XXXX i never received one response. I was told by Concora to contact XXXX XXXX, then I was told by XXXX XXXX to contact concora, just a run around. I have attached bank statement where it will show payments to Genesis card services. They have changed the name to Concora credit now. Everytime i would call in they would refer my account number as XXXX and my account ends in XXXX. I've again reached out to XXXX XXXX to find out " bill pay ' IS paid thru a 3rd party vender. I've called and XXXX XXXX, she was very helpful, however I spoke with a " XXXX ' who was useless, I asked for a supervisor ... he hung up. I called again and spoke with XXXX, and XXXX both ladies listened and tried to be helpful. I was told to fax info again, i've tried faxing for a week straight, " no answer '' was received, I have the 5 printouts. I took my 6 pages of bank statements to a XXXX store, they did not have a fax machine. She spoke with customer service and explained everything, they said contact your bank and also mail the statements to our office. I mailed them and waited 5 business days. Yesterday XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Concora stating they received my statements and are unable to locate my payments, and to send my correspondence to a completely difrerent address in Oregon. I have not ideal what steps I can take to resolve this.
Product: Mortgage

I had a 30 year loan with a 10 year interest only payment. As of   XXXX   of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment.
I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have contacted XXXX, XXXX, and XXXX that my information was stollen and used for credit cards, and more. Also some hard inquiries that i didn't authorize and know about. I would love to have them remove from my account please.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.