23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A sales associate from Ashley Furniture Home Store issued me a Synchrony Bank credit card without my knowledge or approval. 

I was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks. The representative advertised that they would check whether I qualified for a credit card, they did not say they were signing me up for one without my approval. I had made it clear to them that I did not want a credit card and the representative assured me they were just going to check if I'd qualify. 

This credit card was issued to me without my consent. I have never even purchased anything from Ashley Furniture and they are attempting to damage my credit with this credit card that I never asked for and will never use. This is fraud.
Product: Debt collection

I don't know why XXXX  is being so abusive to me pertaining to a business account I set up when I was working in Colorado.  However, after making six payments to my plan, the monthly charges increased by 150%, and the plan just was no longer affordable.  Then to try to add an additional XXXX  collection fee is a violation of the Fair Debt Collection Practices Act.  The collection agency known as McCarthy, Burgess & Wolff is way out of bounds on this excessive charge, then to send an offer of XXXX  stating a 30% settlement is usurious.  This collection is abusive and should be reported by the Consumer Financial Protection Bureau to the Federal Trade Commission.  XXXX  shows no shame on how low they will operate as a publicly traded corporation abusing American consumers.  I believe the public service commission for both Colorado and Massachusetts should be made aware of this abusive collection process.  XXXX  will be challenged on every violation made under state and federal laws.  Accordingly, since XXXX  ran up such an outrageous invoice when they could have immediately cut off service, I offer a one time settlement of XXXX  to settle this account permanently.  This settlement will be made by certified funds on XX/XX/2019, and will be made to the debt collector posted.  I will take this to the Office of Attorney General Commonwealth of Massachusetts if this cannot be settled quickly and professionally.
Product: Credit card or prepaid card

Today I purchased a {$100.00} vanilla visa debit gift card from XXXX. Upon opening the package I noticed that there were 4 numbers missing from the card number so I went back to XXXX and tested the card to see if I could buy a pack of gum with the card and couldnt. XXXX told me the card was defective and I had to deal with Vanilla. When I called Vanilla their automated voice system does not offer an option for damaged card. After spending hours ( on hold ) waiting to speak to someone I found out that I would need to provide the original packaging, the original receipt, the activation receipt and the card for vanilla to launch an investigation- which would then take at least 30 business
Product: Student loan

I have been enrolled in the PSLF program since 2010. It took 9 months for them to process my application. Since then they have put my loan payments on hold numerous times sometimes for 6 months at a time while they " review '' different aspects. 

For more than two years I have been trying to get an accurate assessment of how far along I am in the program despite that they have held my loan payments every change they get. After losing my employment verification forms many times they received them and said I had made over XXXX patients. Then without telling me they changed and said I only made XXXX XXXX payments. 

I only saw this in reviewing my loans, Now for over a year I have been fighting this and they have not given me an accurate assessment of my loan payments and they have tried to limit this every chance they get. 

I tried to resolve this with them and the BBB with no appropriate response.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX AUTO on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with XXXX balance of {$21000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a call today  XXXX  from my old boss stating that a woman by the name of  XXXX  was trying to reach me through an agency called  TCS ( t hunderbird collection agency. I have been asked me to inform them that I am no longer employed there and to stop contacting the company, as it is a place of business. I spoke with  XXXX  already and told her I will be contacting her on a certain date regarding this collection and she still proceeded to call my old place of work and also numerous fax 's with my first name and different last names.
Product: Debt collection

I am contacting NATIONAL CREDIT SYSTEMS regarding the complaint # XXXX. Again, this unit was not damaged and I have communication with the manager as well as photos of the unit on my end. You have provided me duplicate documents and not verified the charges OR proof of a {$2000.00} damage to the unit. You are well over the 15 day window as it took you 60 days to send me duplicate documents. I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. I will now be seeking damages with a lawyer as you can not provide proof of damages to the unit. Remove the debt immediately.
Product: Debt collection

I receive calls from " Midland Credit '' once to twice a day, at least 2 to 4 times a week. I always screen the call or let it go to voicemail, but they never leave a voicemail or respond to my screen. They have called from these numbers the last 4 times they have called this year : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am sure they use different numbers every time they call.
Product: Debt collection

XXXX Phone : ( XXXX ) XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Trans world systems inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Time of call : XXXX local time Date : XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Company : Trans world system INC. 
Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Phone : ( XXXX ) XXXX Time : XXXX Local Date : XXXX The same debt collection agencies have attempted to contact me with the following numbers on these days. When asked for information about the company the agents refused to answer about where the company was located, company phone number, employee ID, refused to transfer to a manager, and refused to stop calling me then proceeded to call me before XXXX before i went into work.
Product: Debt collection

My name XXXX XXXX, I've been retired from the XXXX XXXX since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found an collecton item on my report that was resolved. 

My wife changed our phone service and no longer wanted the internet service. My account was paid in full and closed to my knowledge. Now I am looking at my report and I see that this company has placed a balance due on my credit report. 

I have had service with this company for year and have never changed my phone number. 

If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in 1971. I have always had perfect credit and now my credit have been used sateing that I have not been current with my bills. I am asking for my this collection item to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account.
Product: Credit card or prepaid card

Frontlines asset strategies at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX has been sending me collection notices in the amount of {$550.00} and {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I opened a checking account online on XX/XX/2019 with the requested {$50.00} opening deposit. I linked my checking account to the new Chase checking account and transferred {$1400.00} into Chase on XX/XX/2019. Chase closed my account with no warning and no reason on XX/XX/2019. I called many times and was always told that I would receive documents and a check with my funds in the mail. I went to see a branch on XX/XX/2019 and he said a check was issued and will arrive no later than XX/XX/2019. It is now XX/XX/2019, I have been lied to for over 2 months and Chase still has not released my funds back to me.
Product: Credit reporting

Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day late payment noted on my credit reports for XX/XX/XXXX. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked Equifax, XXXX and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
Product: Money transfer, virtual currency, or money service

MY chase checking acct had an illegal wire transfer made for {$41000.00} dollars
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I have no access to my scores or proof of records from your company at all. y consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Debt collection

My name is XXXX XXXX, and I am writing to formally report a violation of my rights by BYL Services XXXX concerning the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). 

In addition to my previous concerns, I want to inform you that my bank account and Social Security Number ( SSN ) have been compromised in a data breach over the last five years. This breach has resulted in unauthorized access to my personal and financial information, making it even more critical for me to protect my rights and ensure that no further unauthorized actions are taken against me. 

I have not authorized BYL Services XXXX to contact me regarding any alleged debts, nor have I provided any information that would permit them to discuss my personal health information. Despite this, I have been subjected to persistent harassment from their representatives. This behavior is not only distressing but also a clear infringement of my rights under the aforementioned laws. 

To resolve this situation, I kindly request the following actions : 1. Validation of Debt : Please provide me with documentation proving that I owe any debt to BYL Services XXXX. This should include a copy of any agreement or payment obligation signed with my wet ink signature. This step is crucial for verifying the legitimacy of their claims. 

2. Cease Communication : Until this matter is resolved, I request that all communication from BYL Services XXXX is halted immediately. Under the FDCPA, I have the right to request that a debt collector stop contacting me. 

3. Investigation of Harassment : I would appreciate your assistance in investigating the nature of the communications I have received from BYL Services XXXX to ensure they comply with the law. 

4. Formal Complaint : If necessary, I would like to file a formal complaint against BYL Services XXXX for their harassment and potential violation of my rights. Please provide guidance on how to proceed with this complaint. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information from me to assist in resolving this issue, please do not hesitate to reach out. 

Thank you for your support. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was applying for a new credit card with Amex due to the welcome bonus offer, which states that I can ear {$200.00} in statement credit after opening {$2000.00} within the first XXXX months. After activating the new card, customer service informed me that the offer was " declined, '' but I did not receive any indication during the application process.
Product: Debt collection

A representative from National Credit Systems called my cell phone and did not leave a message. A few moments later, I received a call from my office ( different department ) saying that I had a call. Once the call was transferred, a lady on the other end asked to speak with me. At this point, I have never allowed any debt to contact my job, this is a very embarrassing issue. So I ask what the call is regarding and she says her name I believe, but I was unable to hear her. Then I politely asked her/him to repeat and then she gets a major attitude. She says that her name was XXXX with national Credit Systems and that she was collecting a debt. At this point, because she was being so disrespectful, I wanted to know an address to mail in a complaint. I will not allow anyone to treat me as she did. Then she would not give that information, she was able to say that she will continue to contact me on my job. I told them, on a recorded line, that they are not to contact me at my cell or my job. I will allow them to send me an email, but thats the extent of the communication I will allow. I called back and spoke with another woman, she was able to get me the address to file the complaint. I then asked to speak with a supervisor, who was calm at first, then rude. I asked her full name so that I could include it in this report and she would not give me that information. She only told me her name was XXXX XXXX in XXXX, XXXX. I know my rights as a consumer : " XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. '' - Fair Debt Collection Practices Act ( FDCPA ) I believe this situation falls within the category of harassment. Their phone number was XXXX. They called for the very first time, XXXX/XXXX/2016 @ XXXX ; XXXX , XXXX . I would like to allow you all the opportunity of looking into this matter. I do not know what the debt is regarding, or if its even mine. I will not speak with them again until I speak with someone via mail that has sense. Thank you for your time. 

XXXX XXXX
Product: Credit card or prepaid card

Jefferson capital systems refuses to send XXXX XXXX any recept or information containing to a debt in the amount of XXXX said to be owed by XXXX XXXX. 
Numerous attempts have been made to correct this mistake without any resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A -section 2 states a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose
Product: Checking or savings account

I Made a Mobile Deposit For a Cheeck {$430.00} Into My XXXX Checking Account XX/XX/XXXX The Account Had A Negative Ballance {$430.00} and i made a deposit From a Valid Check in to my Checking Account and the Check Was Return XX/XX/XXXXXXXX and TD Bank Made My Account Negative Twice 2 Times and They Charge Me {$35.00} Dollars Overdraft Fee 2 Times. I Spoke with TD Bank and They Refused To Credit or Remove This Fees that was Cause From This Error My Father XXXX XXXX XX/XX/XXXX and i been having a very Defficult Time With This Fanacial Issues With TD Bank And TD Bank Refused To Help me with this Problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card was taken over by XXXX XXXX. I have had nothing but problems with XXXX XXXX throughout my adult life and a quick search on XXXX shows that many others have the same issue. XXXX XXXX talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXXXXXX XXXX/ XXXX XXXX for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that XXXX XXXX does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if XXXX XXXX makes the correction or not.