23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had routine visit 's to XXXX XXXX XXXX center in XX/XX/XXXX I stopped getting bills after normal month and insurance coverage wait. I continueously contacted their billing dept throughout XX/XX/XXXX with the concern. Was abruptly told that their billing system changed and I would get the opportunity to make my payments once things were straightened out. In XX/XX/XXXX I received a total of amount due from their Dept out of state in XXXX with a " Collections XXXX XXXX '' address. I immiediately called that business number and was told I owed payment in full. I reached the local branch office in XXXX business dept to discuss my concern at this point and inability to make a full payment. They set me up on a payment plan. I immiedately made my XXXX payment and every month since, thereafter, to date as of now XX/XX/XXXX. A few months ago I received XXXX " Collections '' notices of an amount due much higher than what I have it already paid down to, along with harrasing calls from a dept collector on the facilties behalf named " PASI ''. This become so frustrating as they would not initially acknowledge the proper amount I yet owed but that I had already been making payments monthly and on time all along to XXXX XXXX XXXX XXXX directly which I have full documentation of proof of. I actually had to go to the local business office in person to ease my mind and was late for work. I eventually lost my job over this and the emotional distress it has put me under. Now I am getting calls yet again by " PASI '' to collect this " Debt '' which is not a Debt as I am still and all along making payment directly to XXXX XXXX XXXX XXXX intially by phone debit payments and most recently via their website as they instructed me that I could do. So I am now without a job, yet still making my payment as per their payment plan directly to them, and still getting harrassed by debt collections " PASI ''. What rights do I have at this point? Again, I have full documentation of all payments and some legal recorded calls regarding the matter as I informed other party on phone that I would be recording the call as per XXXX state law. Can anyone help me? I am emotionally distressed over this and out of work.
Product: Credit card

Macys will not send me my credit refund. I returned a few pairs of shoes, I already paid the full balance on my account. I had no intention on returning the shoes but they are the wrong size. 

On XXXX - I called and requested my credit refund of {$100.00}. I called again on XX/XX/year>, I was told my check was in the mail. 

On XX/XX/year>, I hade another credit balance on my account of {$160.00}. I was told at first that I would have to wait six months before receiving my credit refund balance. After calling continuously the representative said that the {$160.00} would be mailed to me as well. 

At this point the balance on my account is still a credit of {$160.00}. I have no idea what happened to my first credit check of {$100.00}. I keep getting the run around with the customer service credit department at Macys. I am very disappointed in the customer service I have received and they call me anthey call me a platinum member. At this point any assistance you could provide would be greatly appreciated. Thank you very much. 

XXXX 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 which 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
Product: Debt collection

Nextep funding  and XXXX  XXXX  are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section604 a section 2 it almost states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
Product: Credit card or prepaid card

On XX/XX/2022, I mailed Capital One some documents pursuant to the Fair Debt Collection Practices Act that I have attached for reference and they have completely ignored me. They still send monthly statements demanding payment from me, but have failed to respond to the letters sent to them. 
I am aware that Federal Law supersedes State law in this matter and they have violated many Federal laws. 
If they try to come back and say that the above mentioned section does not apply to them here is the definition of debt and debt collector : 15 USC 1692a ( 5 ) debt : means any obligation or alleged obligation of a consumer to pay money 15 USC 1692a ( 6 ) debt collector : means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose is the collection of any debts. 
Considering those two definitions Capital One qualifies because each monthly statement that they send, they are alleging that I am obligated to pay that AND they are using the mails to send those statements. Also note, that Capital one principal purpose is to collect on any obligations alleged or not. 

I am also aware that Capital One is not apart of the exclusions section. I am the one who originated the credit because without me filling out the credit application, the credit would not be there.
Product: Debt collection

The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

Company keeps calling my place of employment and relatives regarding a debt that I am not aware of. They have harassed family members and call a public phone line which others have access to. They leave voice mails giving my name to co-workers and say they are a debt collector.
Product: Credit card

They keep taking money on my account they take the money twice and I can not find the first transaction I only find the posted transaction and the authorized transaction is not there and they take the money 2 times I ask for the first transaction they told they dont have it and they take the money twice in 3 week I lost XXXX dollars is very bad situation
Product: Mortgage

SPS Loan Servicing did not respond to my loan modification in 30 days. After submitting documents several times, I was denied with no clear reason why. For the past 6 months, my Relationship Manager never responded to my many calls. It is a joke! I am working with a HUD approved housing counselor as well. Finally today, I was told by SPS by my relationship manager that there is no such thing as a Flex Modification thru XXXX. Wrong.
Product: Credit card or prepaid card

I made a payment to pay off my credit card balance on XX/XX/2022. When I logged on to make the payment, several payment types were offered to me. I chose a payment type that was displayed as " express processing ''. The amount of my payment was immediately deducted from my available checking account balance. I logged out and back in to the creditor 's website several times and showed no indication of a pending payment or payment made. I waited XXXX hours and called the creditor on XX/XX/XXXX to question why my payment wasn't at least showing 'pending '. The operator put me on hold several times over the course of XXXX hours and finally 'found ' the payment. The creditor sent me an email on XX/XX/2022 showing a payment posted date of XX/XX/2022. Today, on XX/XX/XXXX, I still do not have access to the available credit, but the creditor is showing FULL, not pending, application of the payment as of XX/XX/2022. I called the creditor to find out what is going on and they are telling me it will not be until XX/XX/2022 that I will have access to use my card. Today and tomorrow are the days I want to use the card, as it is specifically an Amazon Prime Card- and today and tomorrow are the once annual " XXXX XXXX XXXX ''. I asked the creditor over the phone if they will be paying me interest while holding on to my money. They indicated they will not be. I think their practices are deceptive and unfair. I made the so-called 'express payment ' a full week before I needed it, so it should be available.
Product: Credit card

Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.
Product: Credit card or prepaid card

On XX/XX/XXXX, JP Chase bank sent me a mail notifying that they would close all my credit card and checking accounts on XX/XX/XXXX. Until XX/XX/XXXX I did not believe that was happening. I have had checking and credit card with Chase over 10 years. In XX/XX/XXXX I even refinanced my mortgage with them. I have never failed to make payments either to my credit card or mortgage ( even when I was out of work in XXXX ). This came as a shock to me, as I have always been diligent with my finances.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Unknown XXXX XXXX : Unknown : XXXX : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I signed up for a forbearance plan with Bank of the West and was told I would have 90 days of payment extension and now the bank is calling me saying Im missing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2017 I went to the BB & T Bank to close my checking account. I advise the teller this is what I wanted to do and withdrew the {$350.00}, I thought remaining in the account. He advised me the account was now closed. I thereafter received notices of NSF as BB & T paid a bill on this closed account. I had made steps to have this billed paid at my new customer friendly bank, that values small business relationships with seniors, XXXX and veterans. I then went to the BB & T bank in XXXX, PA on XXXX/XXXX/2017 and was informed the account was {$220.00} over drawn. They gave me back {$76.00} of {$130.00} in nsf fees. I feel I should get the other {$56.00}.
Product: Credit reporting or other personal consumer reports

THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account. 
There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. The creditor did not help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX & XX/XX/2021 I froze my credit accounts with XXXX  of the 3 major credit Bureaus due to identity theft. There is information on my credit report that I did not authorize. XXXX XXXX XXXX  placed an immediate freeze on my account. The only credit bureau that has failed to take my accurate credit information & personal identification is Equifax. On separate occasions every day from XX/XX/2021 to XX/XX/2021, Equifax has consistently asked me about information I have no recollection of due to verification they continuously ask is, Fraudulent information that I never authorized. Clearly if credit accrued in my name was done fraudulently, I will not have information to it, because I never signed for it. All I need is a security freeze to prevent from further identity theft. If Equifax is the only credit bureau denying my true credit information, the only logical conclusion would have to be that Equifax allowed someone who fraudulently claimed they were me, file with my personal identification completely disregarding extra security measures. I need an accurate security freeze in MY name with MY true current up to date information. Using the proper security measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open the following accounts on my credit report KOHLS EXPRESS THOSE ACCOUNTS WERE OPEN BY MY EX WIFE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report and saw inquiries that I did not do
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and in protected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXXXXXX XXXXXXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XXXX XXXX XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A cashier 's check was issued directly to First National Bank XXXX XXXX. XXXX XXXX, XXXX, NE XXXX on XXXX. On the check in the memo field was my name as well as an account number ; the account number was incorrect with XXXX numbers wrong. The check was drawn / cashed on XXXX. I called on XXXX and verified payment was received and that there was a XXXX balance on the credit card account with customer service rep ; I then closed the account on the telephone call after confirming a XXXX balance. 

Payment was originally due on or about XXXX. On XXXX I received a robocall telling me that payment was over due. I immediately contacted customer service and to my surprise it had not been applied to my account. I contacted my credit union to look into what had happened. They informed me that payment had been drawn / cashed on XXXX. I, as well as the credit union loan officer XXXX called separately to find out what had happened. We called together on XXXX and advised FNB XXXX that the account number was wrong on the check, but my name was correct as well as provided Check number over the phone and we were advised that information was not good enough. My loan officer at XXXX XXXX XXXX XXXX faxed over front and back of the Cashier 's check that they had drawn / cashed to their accounting group on XXXX as instructed. The loan officer attempted to speak with them again and received no new information XXXX. I also called today on XXXX and have no new news about my payment that was drawn / cashed on XXXX. My account is now very past due and should have been paid in full and closed.