23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I Had been a member of XXXX XXXX since 1980. During that time I have kept the account in good order and have had perfect credit for the past 30 years. 

I am a XXXX in the XXXX XXXX Area and have had some difficulties in recent months having lost XXXX sales. This had greatly impacted my cash flow. I fell behind in payments to XXXX XXXX as a result of this and have attempted to work with them to bring the account up to date. 

During various conversations with XXXX XXXX, I have been given information which has varied, to say the least. I was informed that if my account did not reach 120 days late ( which it had not ) it would not be reported to the credit bureaus. I aggressively paid down the balance which has been paid in full. The personnel that I had spoken with ranged from being very nice to badgering and somewhat abusive. 

I was recently informed, without notice, that the account had been cancelled and reported as such to XXXX XXXX XXXX and XXXX by XXXX XXXX despite previous representations that it would not be reported. With this derogatory information on my credit, it could cripple my business. I rely upon construction loans from lending institutions to operate my business and my fear is that this negative information will prevent me from obtaining this needed financing going forward. 

Additionally, XXXX XXXX has assessed service charges on this account which totalled more than {$10000.00}. The rate of the service charges was 2.99 % per month on the outstanding balances. I was also informed that I had lost over XXXX points that I had accrued through the use of this card prior to this difficulty. 

Any assistance that you can offer in this matter will be greatly appreciated. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including Equifax, XXXX, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to Equifax, XXXX, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, Equifax, XXXX, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, Equifax, XXXX, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.
Product: Mortgage

I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMMTING THIS COMPLAINT ON THE BEHALF OF MYSELF THERE IS NO OTHER COMAPNY DISUPUTING ON MY BEHALF PLEASE DO NOT SEND ME AN AUTOMATED MESSAGE! ALL DOCUMENTS WILL BE INCLUDED I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX  XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX disputing two alleged accounts they say I owe. I do not agree I owe. Amounts of {$930.00} & {$1100.00}. Giving 10 business days to XXXX to receive my letter would give XXXX 30 days or approximately XX/XX/XXXX to reply with verification or validation of debt. I have received no response from XXXX validating debt it has been 80 days but they continue to falsely report to credit bureaus & Experian refuses to remove a debt XXXX did not validate to alleged account holder within 30 days. So theres a very easy solution. Experian simply ask XXXX to provide proof of a debt validation letter they sent me within 30 days after I disputed these debts. My dispute letter to XXXX on XX/XX/2020 clearly displayed my name, the two accounts in disagreement, and my full return address, yet XXXX  provided me with nothing to prove the alleged debt.
Product: Mortgage

I can not afford my home ; I requested a loan modification from XXXX  Franklin and they approved me at a payment I can not afford. So, I tried to do a short sale, hired a Realtor, obtained an offer over the value and my realtor submitted to the lender. They took 2 weeks to review and then denied me for no reason, other than they want over {$100000.00} more from a buyer of what the house is worth. I know for a fact they have approved hundreds of other short sales using the market value. They refuse to use the market value with my situation. There is no other rational explanation on why they will not treat me the same as others clients. 

As described above, I have been denied to short sale my property, the lender says they are going to foreclose. This is a second lender and they are going to receive less money if they foreclose verses moving forward with a short sale in which they would benefit more. Why would a company choose to receive less money and deny me? They have approved many other clients, yet denying me.
Product: Checking or savings account

My saving account with Citibank had {$430000.00} and on XX/XX/year> a person was added to my account without my authorization and the person transfer all my money to his account online with Citibank, the bank blocked my account, I went to the bank on XX/XX/year> and opened a dispute about my situation and now the bank closed the case and is closing my account without returning my money back to my account. The person that was added to my account in a branch in another estate ( some one that I dont know ) has my money and his account and the bank also blocked the account after he spend {$30000.00} at several stores, the bank is holding my money on his account and I dont see a way to get my money back because the bank is not working the way they supposed to work with me, XXXX filing very bad and I dont know what to do to get my money back.Help please!!!!
Product: Debt collection

Canceled XXXX. Paid last months bill on XX/XX/23. They continued to charge us a finance charge each month after on money already paid. On XX/XX/XXXX we call them AGAIN. Make sure we reiterate that service should be canceled. Explain we already made the payment. They show no payment being made. They send us to a form on their website to report payments made but not reflected on the account. Downloaded documentation proving we made the payment. Got no response. They just keep sending me bills along with sending account to collections. On XX/XX/XXXX we get collections notice. Sent the collections company proof that bill was paid and we did not owe any monies. Again, received another TWO bills from XXXX AFTER sent to collections with amounts accruing in finance charges. I've exhausted myself fighting a {$130.00} bill that is now over {$200.00} according to them.
Product: Debt collection

I tried to dispute this transaction through XXXX XXXX. I was a juvenile when a phone was opened up in my name I guess at sprint at the time which is apart oXXXX XXXX now, I NEVER OPENED THIS ACCOUNT, I wasn't even old enough to have credit to open a phone up at that age. I never checked my credit until recently where I saw I had a collection from ( Jefferson Capital Systems ) for {$720.00} which I dont know how I would owe them that. Doesnt even make sense for that to be on my credit report nor did I even know it was on my credit report until recently, Im currently XXXX XXXX XXXX as of XXXX, this account was supposedly opened in XXXX, doesn't add up how this could just be on my credit report. I barely have any credit use so thats just crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an XXXX Alert that CITI Cards CBNA made a bank/credit card inquiry by checking my XXXX  credit file. I did not apply for credit. I contacted XXXX and requested a fraud alert be placed on my credit report. Potential lenders are to verify my identity before granting new or additional credit. I also contacted CITI cards and they confirmed that I do not have an account with them.
Product: Checking or savings account

They permanently suspend my account for no reason they said that I violated section 22 d of the consumer agreement and that is not true XXXX XXXX refunded my money because I had the wrong product and yet they are suspended me over a product really and yet Im am XXXX XXXX XXXX and yet they are saying that Im unauthorized how there them make a false claims on me to make trouble for me how there they make these kind of claims.
Product: Debt collection

I requested a validation letter regarding this debt stating I owe. I sent a certified letter requesting this information, to be sure it was delivery I tracked the letter. While tracking it with the United States XXXX XXXX tracking number I was provided with receipt I was advised my letter was undeliverable. The status was that no business operated at that address. It has been over 30 days and this is a violation of the FDCPA.
Product: Debt collection

XXXX XXXX is contacting me about my ex-wife 's debt. I have been divorced from her for several years. I re-married in XX/XX/2012! Synchrony called me on the following dates and times : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. Each time it was explained that we have been divorced for many years and I am not responsible for any debt that she has built up since. Each time they said they understood and would pull my number from the account. The last 3 times they called I asked to speak to a supervisor. The supervisor would pull up the account in question and say that I was not on the account and my phone number was not associated with the account. When asked how I was receiving calls, they could not provide me with an answer. I really don't understand where they are getting my information since they advised that I was not a co-signer on her account, my name was not on the account. The phones are on separate accounts, and we are legally divorced! I really would like these calls stopped!
Product: Credit reporting or other personal consumer reports

Mohela opened a new trade-in for my student loan instead of transferring a consolidated loan that was sold from XXXX. Now I show 2 different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that Mohela needs to make the change and update my credit report to show a XXXX balance.
Product: Checking or savings account

On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business.. 
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX. 
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account. 
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal. 
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in several inaccurate items being reported on my credit report. Despite my previous disputes, the following accounts continue to report negative and inaccurate information : XXXX. XXXX XXXX Account charged off with a balance of {$1200.00}. This account was opened on XX/XX/XXXX, and I did not authorize or open this account. No payments have been made, and I believe this is a fraudulent account resulting from identity theft. 
2. XXXX XXXX XXXX XXXX XXXX  charged off with a balance of {$140.00}. I am listed as a joint account holder with another individual, XXXX XXXX XXXX, whom I do not know. This account was opened on XX/XX/XXXX, and I have no knowledge of this account. It appears to be fraudulent. 
3. XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ) Collection account with a balance of {$110.00}, opened on XX/XX/XXXX. I did not incur this debt, and this collection account is fraudulent. 

I have already taken steps to dispute these items with Experian, including filing a police report and placing a fraud alert on my credit report. Despite these actions, the inaccurate information has not been corrected.I request that these accounts be thoroughly investigated and removed from my credit report as they are a direct result of identity theft. 

Let me know if youd like to adjust or add any other details before submitting!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING COLLECTIONS AND CHARGE-OFF FROM MY CREDIT REPORT. THESE ACCOUNTS WERE REPORTED INACCURATELY AND HAVE SIGNIFICANTLY IMPACTED MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I receive documentation that all XXXX XXXX  would be dismissed personal and federal student loans and I receive documentation stating what loan to be closed and the value an estimated to {$40000.00} which is still currently showing on my credit report I have contacted XXXX and explain to them that it needs to be removed and they will not remove it. This is making my credit report look bad because it still shows that I am in debt and additional {$40000.00} and I am not. My total student loan should be completely XXXX now and it should be reported so on my credit and it is not.
Product: Credit reporting or other personal consumer reports

My information was used in debt collection for credit reporting purposes without probable cause and without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX holding is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX holding no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.
Product: Debt collection

I applied for a mortgage and a debt collection agency was on my account for a XXXX credit card that is under a different name. XXXX XXXX  acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with XXXX  isn't even on my credit report! The reference number is XXXX with XXXX.
Product: Debt collection

Was contacted via email by TrueAccord Corp, a debt collector for {$60.00}. This was regarding an alleged debt from XXXX XXXX from after XX/XX/XXXX. I closed the account in XXXX of XXXX with a XXXX dollar balance. Requested debt validation and documentation via mail on XX/XX/XXXX. No validation or documentation has been provided as of XX/XX/XXXX.
Product: Checking or savings account

I bank at TCF and during the pandemic I called them to see if I can freeze all the automatic payments so I dont overdraft my account. Well that didnt happen and now I have a negative balance. I called and no one was helpful. I should have a positive {$70.00} and my automatic payments should not happen until I contact them again. Now I have a negative almost {$900.00}! I would just close the account!
Product: Debt collection

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these 13 years because I was preparing myself to work as a Software Engineer because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a Software Engineer ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Product: Debt collection

This is my second complaint for XXXX and it's XXXX servicing agency : Leif. They require us to fulfill contractual obligations every month by verifying our income or else they threaten to force us into repayment. This is threatening and harassing. I don't want them to harass me anymore. Leif should stop contacting all students who were affected by this agency 's order.
Product: Credit card or prepaid card

Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.
Product: Debt collection

I have recently obtained a copy of my credit report from your agency and noticed that there is an erroneous late account entry that is affecting my credit score. 
Account Information : Creditor : XXXX Account Number : XXXX Date of Opened : XXXX XXXX, 2017 Balance : {$0.00} I want to bring to your attention that this late account entry is inaccurate, and I am confident that it violates the Fair Credit Reporting Act ( FCRA ). I have already communicated with the other credit bureaus XXXX and XXXX regarding the same issue, and they have promptly updated their reports to reflect the accurate information. 
The account in question was successfully paid off, and there is no remaining balance. Despite my efforts to rectify this error, it appears that your agency has not complied with the law by continuing to report this inaccurate information.
Product: Debt collection

This is for Phoenix Financial Services. They appeared on multiple credit reports for a medical debt with original creditor " XXXX XXXX XXXX XXXX. '' The amount of Debt is {$480.00}. I am highly confident they are not collecting on behalf of creditor and they bought this debt from someone else and will be unable to verify the debt directly from XXXX XXXX. Again they have made no communication with me and have put this on my credit reports. The took a step further and on my XXXX  credit report they listed the following : " PHOENIX FINANCIAL SERV has flagged your account as Collections. '' This company seems to have a history of fraudulent debts and practices.