23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX I signed up for XXXX XXXX home internet service. This offer was for a 30 day free trial of the XXXX internet service. It reportedly included free installation and ability to cancel within 30 days without obligation. The service started on XX/XX/XXXX, but I could not use it until the XXXX or XXXX due to faulty wiring. An installer came and fixed a problem with the wiring and I used the service for 2-3 days. On the XXXX of XXXX I called XXXX and canceled the service because the internet was too slow ( took 2-3 minutes to load my email browser, unable to stream data ). The representative canceled my service and sent out a return kit for me to return the XXXX modem that they had provided for the service. I received the return kit on the XXXX of XXXX and sent it back to XXXX on or about the XXXX of XXXX. ( They give you 30 days to return it ) In the middle of XXXX, I received a bill from XXXX for XXXX XXXX This bill included charges for the prorated service from XX/XX/XXXX to XX/XX/XXXX as well as XXXX $ for Modem/Router combo. I Called XXXX and told them that I had returned the router and it needed to be removed from the bill. The representative told me that " Don't worry, that's not your final bill, once the modem is received in the 'system ' they will issue a new bill with an adjustment. '' In XXXX I received the same bill from XXXX, I called and spoke to multiple people from their company trying to resolve this issue, they kept telling me that " it's a valid charge. '' I told them that I would not pay for a router I had returned to them. In XXXX I called again ( unknown day ) and spoke to more people, again I was told the same thing. I even asked to speak to a manager and got nowhere. I even had to ask several times for " someone who speaks my language '' because most of the reps had thick XXXX accents and I could not understand them at all. I decided to not pay them at all, and on XX/XX/XXXX I received an email from XXXX XXXX ( a debt collector ) on behalf of XXXX trying to collect the debt. I called and told them that the debt is not valid and they told me to send them a written rebuttal. I will not do this because they will simply tell XXXX my side and XXXX will say " It's a valid debt '' I'm frustrated and tired of dealing with this company that I had services from for just 6 days
Product: Mortgage

Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX county MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. The loan office is : XXXX XXXX. e-mail : XXXX Phone : XXXX His manager is XXXX XXXX e-mail : XXXX Phone XXXX. I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. May be there are other reason like our age and others we don't know why they discriminate us. I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items that are hurting my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I ordered a chair from XXXX through Acima, I returned the chair as of XX/XX/year> and XXXX has sent me a return receipt and advised it would take XXXX business days to show up. I've waited that length of time but Acima will not refund me the money to my account {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... Transunion XXXX XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Product: Debt collection

Began receiving repeated calls without identifying self and I learned from online search company is a debt collector whom I have had no previous business-letter-phone contact whatsoever?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 Equifax
Product: Credit card

Re : Cease and Desist Letter Pursuant to 15 USC Dear First Progress I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is collecting my data without my knowledge or consent, reporting inaccurate information, not providing a report, has made it difficult to obtain a customer service rep or an actual report. I have requested a freeze and also to stop collecting my information and distributing it to any Third-party, etc.
Product: Credit reporting or other personal consumer reports

Ive been unable to get my credit report from TransUnion for over a year now. Whenever I call, they tell me that there is a technical issue, and nobody is able to resolve it. I can get my report from the other major bureaus without issue, but TransUnion refuses to give me access.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This auto loan is in error, as my Wife passed away on Tuesday, XX/XX/2022 I am disputing the entire amount of {$3800.00} USD. I further claim extreme Hardship for XXXX & XXXX of 2022 as the Death of my Wife, XXXX XXXX XXXX XXXX XXXX, resulted in a loss of her income ; {$1000.00} USD from Social Security Administration. 
The auto title is a joint title ; I Need my Late wife 's name removed in order for the SC XXXX to register this vehicle in my name only ALL attempts at communicant to reach a solution have utterly Failed. There is now an undue & unfair burden of {$3800.00}, I am utterly & totally confused as how to provide a copy of my Wife 's Death certificate to this company I firmly & fully believe that I am being deliberately targeted by the company as a punishment _ an illegal punishment per ADA antidiscrimination laws Again, ALL my attempts to reach a resolution have utterly Failed
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to provide a method of verification for an alleged Bankruptcy in the Public Records section of my credit report. They responded saying that they used a 3rd party called " XXXX XXXX '' to verify the Bankruptcy. 

I contacted XXXX XXXX myself and they're saying I am not even in their database and that they did not report this. I also reached out to the Bankruptcy court in question and they said they did not report anything to the credit bureau. I've attached Equifax 's statement, XXXX XXXX ' response, and the US Bankruptcy Court 's response.

I am demanding that Equifax delete this item as soon as  possible or I will have to escalate this issue because Equifax provided a false statement suggesting that XXXX XXXX reported this to them.
Product: Payday loan

I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist.
Product: Credit reporting or other personal consumer reports

*** It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. Experian, XXXX or XXXX have NOT corrected the error within that mandated time frame of XXXX - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of XXXX. Per Fair Credit Reporting Act**XXXX EXPERIAN has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

EXPERIAN erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with XXXX XXXX and XXXX after filing suit on XXXX XXXX XXXXXXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXXXXXX XXXX negative report was false. My credit score before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all XXXX bureaus during that XXXX year time frame. After XXXX XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. Credit score plunged XXXX points in total in three months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX XXXX XXXX  Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX XXXX XXXX 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction Experian, XXXX and XXXX for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXL XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I noticed that there are incorrect addresses being reported.
Product: Checking or savings account

I opened an XXXX XXXX account through my employer, XXXX, and their benefit program last XX/XX/XXXX at Optum Bank in XXXX XXXX XXXX, Utah. 

Once opened, I requested a debit card so that I could use my XXXX funds.

It took Optum Bank over 2 months to provide my debit card to me to enable use of my XXXX  funds for medical purposes. This delay harmed me.

Once I received the card, I registered it and attempted to use it. The card was declined for " insufficient funds ''. I called Optum Bank and was put on hold for a long time before a representative told me that my account was empty and that they were contacting their fraud team and that I would be contacted within 12-24 hours by the fraud team. On this date ( XX/XX/XXXX ), I had over {$9300.00} in my Optum Bank XXXX account.

No one from Optum Bank 's fraud team every contacted me. 

I called a few days later, was put on hold for a long time again, and was told that my account was " closed by mistake '' by the Bank. I asked them where my money was and was told that my funds would be back in my account within 12-24 hours. This did not happen. 

Finally, on XX/XX/XXXX, Optum Bank reopened my account and redeposited my funds in my account. 

I then attempted to use my funds and the debit card continues to decline my use of my funds. 

I have tried to email Optum several times since they reopened my account and returned my funds but the secure portal will now allow downloading of the correspondence from Optum, making written communications impossible.

I tried again to use my debit card without success.

The delays in access to my XXXX funds, the negligence by Optum Bank in closing my account without my knowledge or consent, and repeated failure to enable use of my debit card to pay my medical bills is harming me. I want Optum to correct their failures immediately and enable my access to my funds held by their institution. 

Thank you for processing this complaint, XXXX XXXX