23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a XXXX XXXX XXXX XXXX serve metro XXXX. Last summer, I have received call a call from XXXX XXXX promising to boost our sales after using their marketing platform. After numerous calls and overpromises we decided to try. However, they did not tell us that was the contract of one year. It was only phone conversation and told me to go to the link they provided to enter and create the business profile. I entered the required fields on the form and submit. Again, there was no explanation of contract. I did everything they asked but only received auto calls that either mentions car warranty expiration or marketing call. After 4 month of paying monthly, I decided to stop. Then, they told me that I signed a contract for one year and sending me electronically dated contract. I never signed a contract. They charged the credit card in XXXX and I claimed it. Finally accounts recievable department of XXXX XXXX  submiited {$840.00} for collections department. I need a help to resolve this unfair practice of XXXX XXXX  for ripping off the small businesses.
Product: Credit card or prepaid card

In XXXX of XXXX, I prepaid a 7 day trip that was 100 % money back guaranteed for accurate description of a boat charter. On the first day of the trip, we realized that we were conned and the boat was no where near what was described. We threatened the police and XXXX XXXX. The vendor apologized and said they would make things right. We called AMEX within hours, appalled by the actions of the vendor and the fraud.AMEX reversed the charges claiming that they had our backs. XXXX month later the vendor makes up falsified invoices and provides a false narrative that we abandoned the boat and that they would keep {$10000.00} of the {$19000.00} we paid. We opened a dispute process with AMEX proving the size of the boat, pictures, no AC, date of boat built etc AND the actual invoices and actual REFUND policy which we followed to the letter. We worked on this for months while AMEX saying if we prove all this we would be fine. Nothing we provide did anything. They let the fraudulent vendor keep the {$10000.00} and closed the case. They told us to go to arbitration for that amount, in which we just started process. After case is closed in XXXX ( after 7 months ) they took the additional XXXX which the vendor had always agreed we could have. Now AMEX took the full XXXX and says the case is closed. Even when the vendor never wanted the full amount. The vendor now will fraudulently keep all the money and never return a XXXX. Amex dispute process was a joke and they never evaluated any of the evidence. Even evidence from the XXXX XXXX and satellite images proving that on top of everything the boat was double booked. Even the evidence of the vendor changing wording on the refund policy and altering the invoice ( ie ; number of people, amount paid and commission altered ). We would like to report AMEX for not protecting their customer and having a futile process that does not evaluate evidence. Not only that, incorrectly overcharges the customer for an amount that was not even asked by the vendor. They will not help us with this saying the case is closed and its beyond the date to open a new dispute process.
Product: Consumer Loan

Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the several unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 
Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Fast Track XXXX has called me to the point that it is harassment. They have been advised that my name is NOT XXXX and that they are calling the wrong number. They continue to state that I filled out an online survey asking them to call which is completely false. No matter how many times I ask them to remove my phone number from their system, they continue to call. They have masked their phone number to show up as a local phone number in my area. The most recent call came from XXXX and shows as being located in XXXX, XXXX where I live. They have stated that they are located in XXXX XXXX and that this is where they are calling from.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was scammed by people pretending to be customer service agents for XXXX XXXX. I received an email stating that I was being charged {$250.00} for my XXXX XXXX Subscription because of auto renewal. There was an XXXX number on the bottom that I could call to cancel. I called and got trapped in a scam. These customer services agents had me download an app called XXXX and access my bank accounts. I ended up sending them XXXX payments four times thinking I was getting my money back. The amounts were {$470.00}, {$470.00}, {$490.00} and {$490.00}. After that they had me send a wire transfer of {$1800.00} to someone in XXXX. By the time I realized it was a scam, it was too late. I called my bank immediately and explained what happened but no one could help me. I spent 3 days on the phone with Chase speaking to various people and explaining my story again and again. In the end not a XXXX was protected by my bank and the customer service was horrible. Within 30 minutes of my sending the wire transfer, I was on the phone with Chase bank trying to recall the wire transfer. After many attempts, I was transferred to the XXXX XXXX team and someone finally said they were able to put in a request to recall the wire but they would have to wait for the receiving financial institution to see what happened. They said they would be in touch in 24 hours but it has been over a week and I havent heard a thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When logging into Equifax 's web site there is no way to dispute, 1. Accounts that are to old to be reported. 2. they are improperly reporting account history. 3. There is no access to dispute forms to disputer any of the above. 4 There is no way to print your credit report from online. When I called to ask how to get a disputer form I was told they are no longer provided them.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from statewide auto in XXXX  XXXX California. My vehicle was repossessed, I contacted the local to Police Department and advised him I then contacted statewide auto they told me to pay the tow truck driver and he wont release my vehicle to me I did that I believe this was on XX/XX/XXXX or approximately, I waited to receive my pink slip in the mail I never received it I wanted to XXXX and learn that it had been a lien or hold placed on my vehicle. I contacted the company was unsuccessful getting in contact with anyone I was told that one of their employees have passed away who had my foul in any information about my case I then noticed a couple of months later that they reported this to my credit report as a {$55000.00} debt. I have sent all supporting information to all three we are XXXX times no information was successful I am accidents now remove this from my credit
Product: Checking or savings account

To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the closure of my XXXX XXXX Banking account ending in XXXX. According to your correspondence, a cashiers check for the remaining balance of {$1100.00} was mailed to my address at the time of account closure. However, I have not received this check. 

I kindly request that you provide me with the following : 1. Confirmation of the mailing date and address to which the check was sent.

2. The check number and issuing details.

3. Instructions on how to request a reissue if the check was lost or never delivered.

I would appreciate your prompt assistance in resolving this matter. Please let me know the necessary steps to ensure I receive the funds as soon as possible. You may contact me at [ your phone number ] or [ your email ] for any further details. 

Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT PAYPAL PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} - ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM XXXX ( XXXX  RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) - I CALLED XXXX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO PAYPAL AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO PAYPAL ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED PAYPAL THEREAFTER AND ASKED THEM IF XXXX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE, NOT SURPRISINGLY, THEY SAID XXXX  DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY PAYPAL ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE - I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID XXXX TRULY SEND THE FUNDS TO PAYPAL, AND IS PAYPAL LYING? OR, DID PAYPAL TRULY NEVER RECIEVE THE FUNDS, AND IS XXXX LYING? ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXX ( LATE XXXX XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX )
Product: Mortgage

I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification, even after asking me to sign, notarize, resend the documents, and send more payments- all of which I did.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was notified there I account was breached in the XXXX breach and found there fraufulant and inaccurate errors in my credit report. I filed XXXX AFFIDAVIT and was given a settlement complaint. 

I promptly notified the credit bureaus and creditors and the errorrs were removed. 

Under FRCA 1681 USC 15 and under CFPB proctection, Everything must be accurate and verified in a timely matter! My report still shows all sorts of errors and XXXX and EXPERIAN has refused to help. 

XXXX and EXPERIAn has violated my rights inputting an account that was deleted due to fraud and inacurrate info. 

THe original account was XXXX and was deleted cause it was fraud. 

XXXX XXXX XXXX has acquiired this fraudualnt account and illegally dated the account as new account opened under my name. This account removed by XXXX due to fraud but now EXPERIAN and XXXX inputted this inaccurate and blatant fraud on my report. 

This original account opened in XXXX and was deleted due to fraud but, now XXXX XXXX XXXX illegally obtained my info and reaged the account to a new opening date. This is illegal! 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$12.00} XXXX with Date of Last activity XX/XX/XXXX, how can that be possible? THis not my account and I never have had this account. 

I will sue XXXX, EXPERIAN and XXXX XXXX XXXX for fraud and violating my rights by not investigating and and verifying my info before inputting obvious inacuurate and blatant fraud! 

THIS is ILLEGAL and I have never gave authorization for the bureaus to share my info or invade my privacy, I have never had this account! 

XXXX XXXX XXXX XXXX Date of last activity is XX/XX/XXXX with date of account opening the XX/XX/XXXX That is Fraud and illegal. 

I want this account removed immediately or I will sue. This has been going for far too long and I will be reaching out a lawyer in the next 30 days if this balant violation of my rights is not rectify! 

I have enclosed my FTC ID to show the original account was XXXX and was deleted to prove that you are violating my rights! 

Remove the account or I will sue!
Product: Mortgage

We began our application with Citizens Bank in XX/XX/2020. We were applying for a construction loan that would convert into a regular mortgage. After many months of providing the requested information they required repeatedly and satisfying all their requests, we decided to Withdraw/Cancel/Terminate our application on XX/XX/2020 via email. Our financial consultant at XXXX XXXX also provided Citizens with all the information they requested many, many times. 

Today, XX/XX/2020 we received a letter via email that they were DENYING our loan application. XXXX days after we cancelled our application, we receive this DENIAL letter, dated XX/XX/2020, totally ignoring our email demanding that they cancel our application on XX/XX/2020. 

Unfortunately, at this point, we have lost much time as well as a drop in our credit scores due to the unnecessary hits.
Product: Debt collection

I was contacted XX/XX/ via email from XXXX XXXX with PRS-Professional Receivable Solutions LLC collecting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$550.00}. My daughter had an instrument we were making rent to own payments on. We had them automatically setup under a card that was compromised. We received communication from XXXX XXXX to return instrument and pay balance. We did return the instrument but failed to setup payments for missed payments. The account was turned over to collections. When I asked for backup and itemization on amount owed I was sent contract signed and payments made & missed XX/XX/. Going off what was provided by XXXX XXXX to PRS the amount owed is {$390.00}. I advised I would pay {$390.00} in full XX/XX/XXXX  but would not be paying added collection fees from the agency without backup from XXXX XXXX. I was told in email that there is a state regulated interest amount as well as collection fees at a 35 % rate. When I asked for backup from XXXX XXXX stating I owed {$550.00} again I was sent a fabricated XXXX XXXX letter. PRS is refusing to provide documentation from XXXX XXXX stating I owe {$550.00}. Everything they have provided to me reflects the {$390.00} amount. I emailed XXXX XXXX XX/XX/ requesting an itemized invoice to cross reference PRS 's claims to no avail. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX  and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.