23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

In XXXX of this year my paypal account was suspended. I had been using it as a payment platform for selling ammunition. I was not aware ammunition was a violation of their policy until they suspended my account. When they suspended the account i tried to argue that i was not aware but they did not reverse the decision. 

At the time of the account being suspended i had XXXX in the account. I was told they would hold that money for 6 months in case there were claims by anyone against me. 

I went to access the money at the 6 month mark and learned PayPal simply confiscated the money from my account to theirs ( on XX/XX/XXXX ) with no explanation or justification for damages provided to me. 

it is my understanding it they are to take my money they have to provide explanation of actual damages incurred to justify the seizure. I was not provided that. Nor was i provided any opportunity to potentially argue against such claims to my money. They simply took it. 

This company ( like XXXX XXXX whom i work for ) has strict regulations as to how and when they can actually take money from a client. And processes to follow to do so. They had no cause and did not follow any process ; they simply took my money.
Product: Credit reporting, credit repair services, 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. 


Account name : XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX XXXXXXXX Account Number:XXXX  Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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: Debt collection

I have disputed this account on my credit report several times since XXXX  with Portfolio for the amount of {$220.00}. I have no knowledge of this account and has repeatedly ask for a debt validation letter from the original creditor.
Product: Checking or savings account

Regions Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX : ( a ) refused to accept 3 Series EE United States Saving bonds, despite accepting 6 other ones, stating, " they have small punch holes in them and they can not slide through their machine '' They told me I had to go deal with it on my own ; ( b ) refused to treat the 6 accepted Series EE United States Saving bonds as US currency and instead treated them as a check deposit, not giving immediate access to the US backed currency, and is at this moment, still pending.
Product: Credit card

Twice in the last 4 months Barclays US has reduced my credit significantly. The amount of outstanding debt is the reason they are giving when I spoke to their customer service representative- XXXX today. One of the reasons cited in their letter they posted on my account was the credit balance is too high in proportion to the available credit. Yet, they are creating this situation. They decreased one credit limit from {$6600.00} to {$550.00}. On Friday, XXXX they decreased a card limit so it only left me with little over {$110.00} available, but the credit interest payment is over {$200.00}. This will create an over account limit - thus negatively impacting my credit score. Them decreasing my credit in all 3 accounts has also negatively impacted my credit score. They give NO advanced notice.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as I normally do, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I've submitted to ensure I never have to worry about this again.
Product: Credit card

I've ensured that payments on this account are always made on time, without becoming overdue. I am uncertain why there are reports of late payments on my accounts. According to 15 USC 1666b, any billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

This is my dirst endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$460.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$430.00} XX/XX/XXXX XXXX XXXX Balance : {$380.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} {$440.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

So I have a sofi account I received a wire about a year ago for {$260000.00} and deposited a cashier check {$10000.00} So after I used somemoney of the XXXX wire and the check there is {$9800.00} left in the account and they froze my account and they saying im not entitled to the funds and it will be returned to the original originator its been over a year they keep saying that. I just want my money and close my account Thats it.
Product: Debt collection

I have repeatedly requested that Rash Curtis & Associates provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

I received numerous calls everyday for the past month regarding a debt not owed by me. I repeatedly informed Capitol One that I did not owe the debt and to please remove my phone number from their call list. Two of the representatives were respectful ; however most of them were rude and informed me that they would continue to call me and even said they would call me later in the day. Some would just hang up on me after I asked them to stop calling. These calls continued daily even on weekends. I care for an elderly sick parent and the calls were intrusive annoying and disrespectful.
Product: Mortgage

Suntrust is refusing to apply payments to my account, showing that I am in default of my loan or much more late than is actually accurate. On XX/XX/XXXX, the payment for XX/XX/XXXX was credited. ON XX/XX/XXXX, XX/XX/XXXXwas credited. On XX/XX/XXXX & XX/XX/XXXX, payments on {$1000.00} each were made and were not credited to my account. Those were payments for XX/XX/XXXX and XX/XX/XXXX, thus bringing the loan current. As of today, Suntrust is holding {$2100.00} in a " suspense '' account. If they were to actually apply these funds as they lawfully are supposed to, my account would show as current. I currently only owe XX/XX/XXXX, which I will pay tomorrow, but it is not the end of the month yet so I am not 30 days past due but Suntrust is showing almost 90- days which is quite inaccurate.
Product: Credit reporting or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which Is UKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the information regarding the bankruptcy cases. This is the information. Of repose discrimination. To the regard of the Notebook and bluebooks. Filed on the cross examination. With the treason forgery and identity theft. Also is in the relationship to responsibility. On the disregard of the Ethics committee and the department of education. XX/XX/XXXX XXXX XXXX XXXX. Filed infomation and grievance to protect the consumer respondent of the application A-B. XXXX XXXX XXXX with the 44th president seal of the approval to the XXXX and XXXX regulation of hi-tech information and programs consumer. With fcra defense of the social security administration office and cross file. Breaching with the defendant coverage liability and equal opportunity rights of the administrative court and federal court inquiry commission breach discrimination with the public communication forms and document to XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reported me as a 30 days past due to all XXXX credit bureaus for the month of XX/XX/2024. Which is not true as I had refinanced and the new mortgage company got a loan payoff from XXXX XXXX XXXX XXXX, and they forwarded the monies to XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. When I called in to speak to their representatives, XXXX, XXXX, XXXX and XXXX, they all agreed and confirmed that All In Credit Union did in fact received the full amount due on XX/XX/2024 and the account was paid in full and closed.
Product: Vehicle loan or lease

I was charged ridiculously for fees and my car was repossessed when i no longer could afford the extra fees they were charging its like i paid every month on time and my payment loan would not decrease its like i was paying for ridiculously high interest rates my payment basically went to cover interest rates not the car payment
Product: Checking or savings account

On XX/XX/22, I was scammed by the XXXX XXXX scam in the amount of {$24000.00}. I had a cap of {$300.00} on my checking account and should have been notified by Chase Bank. Just prior to this happening, there were 2 unauthorized small debits from my checking account and the bank emailed me about those at the time of occurrence. My checking and savings accounts were hacked. In order to get the {$24000.00}, someone made an unauthorized withdrawal ( there was a handwritten bank slip but I didn't sign it ). The first time, the scammer tried to get the money wired, the bank rejected it. So the scammers or the bank employee did that unauthorized withdrawal from my savings account and deposited it in my checking account. The scammers then tried again and succeeded the 2nd time. I am XXXX and a senior.
Product: Credit card or prepaid card

I had an disputed balance Capital One refused to investigate in XX/XX/2023. I paid the account in full and closed the account because of this after being a loyal customer over XXXX. Days later They re-posted the disputed amount of {$1300.00}. I paid it off and then they added late fee {$25.00}, which was waived due to my payment history. 30 days later, they add another {$4.00} special interest fee, then charged XXXX cent, then another late fee. I was told on each occasion the small amount would get waived, but then they charged another {$5.00} late fee on {$4.00} balance and refused to honor what last CSR said. Now the " closed '' account state I owe {$9.00} and appears they are refusing to settle the account which is threatening my credit rating. The last person I spoke to refused to credit the account and told me, the credit I was promised, was not guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX XXXX is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. XXXX XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX XXXX XXXX would be in order.
Product: Mortgage

INTEREST IN BOTH ACCOUNTS DID N'T MAKE SENSE ON WHY IT DID N'T CONTINUE TO DECREASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.
Product: Debt collection

Credit Service Inc has violated my rights under the FDCPA. Pursuant to 15 ISC 1692a-3 I was never obligated nor responsible to pay you for an alleged debt. I have not received a notice that I have a right to dispute nor any correspondence from this company to validate they are collecting on the correct debt. I have not contracted with Credit Service and have no business with you or employees of Credit Services Inc as to the alleged debt. You are now on Notice to Cease Communications from me from all mediums including my consumer report