23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer of XXXX for many years. Upon completion of my last renewal period I decided that I no longer wished to have their service. I had completed my last 24month commitment by a year and " per my contract '' I paid in full the remainder of the month in which I cancelled. XXXX began sending me bills for an additional {$100.00} for an additional month that my contract did not require. I contacted XXXX on numerous occasions to explain this and their response was that since the XXXX XXXX XXXX buyout their policy had changed and I now owed this additional amount. My w/XXXX  contract had no such clause and I refused to pay it. After many more calls to XXXX I finally talked to a gentleman that seemed to understand and assured my that he would get it " taken care of '' and I need not worry about it anymore. 
After several months I started receiving collection calls from a third party requesting payment for this debt that was not owed. I again spent many more hours trying to straighten this out but they were not interested in the fact that this debt was not owed in the first place. I have not had a late payment on anything in over 20yrs and these people apparently have the right to send my credit to the sewer over a debt that is not owed??? Something needs to be done about this. It is not always the consumer that is fraudulent. Add XXXX XXXX XXXX to the criminal list ... ... Am I supposed to hire a lawyer over a {$100.00} fake debt????
Product: Credit reporting or other personal consumer reports

I am following up regarding the unauthorized hard inquiries listed below on my credit report, as previously raised in my complaints :
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed a payment for $ XXXX was an official check from XXXX XXXX XXXX . Within the mailed payment I included my SSN, DOB and Name and last four of my account. As the online statement accessible to me did not provide my full account number. On XX/XX/XXXX the check was cashed by the payment processor for Macys Credit Card - Citi Bank.

I contacted Macy Credit Card Services to discuss the missing applied payment. I was told I would have to file a dispute. The gentleman avoided direct questions and was not comforting at all in regards to them losing nearly {$2000.00}. I was also told I would still need to pay the interest accrued as well as any late fee if I did not pay the XX/XX/XXXX payment. However, if they had processed my payment correctly then I would not need to pay again. He avoided response. 
He then stated it would take 21 days to resolve my complaint. I asked " Calendar Days or Business Days '' he stated on the recorded line " Calendar Days '' and then stated I needed to fax my card information and proof of the dispute. I do not have the account number and stated that to him. His response was you can " try and hopefully it works ''. 
I went ahead and faxed as I have no choice. This payment needs to reflect as I had to pay it off as a requirement to obtain my home loan. And we are now nearly a month with a missing funds. I sent the fax which I have included. And stated that 21 days for a payment dispute is unacceptable. 
Today I did a " chat '' to determine if Macys Credit Card Services received my dispute fax, with evidence that the item had been paid and the cashier check cashed. They responded back stated yes. And then stated it would take 2 billing cycles. Which is unacceptable.

After pushing back and discussing the that the initial call said 21 calendar days I was told they were misinformed as well as the initial person I filed a dispute through and that the dispute will take 21 BUSINESS Days. 

I have lost interest that I could of been paid on the XXXX. In addition I am being charged interest on the balance that they processed a payment on XX/XX/XXXX for. In addition on XX/XX/XXXX if not paid by then I will receive a late fee which is completely unacceptable. 

I mailed them the payment on XX/XX/XXXX. The received the funds of the cashier check ( official check ) on XX/XX/XXXX. It is XX/XX/XXXX and they have not provided me credit. They are still charging me interest. The have stalled my home purchase. They are now going to charge me a late fee. The customer service was poor, incorrect information given, and no clean and simple process provided.
Product: Credit card

Wells Fargo Bank forcibly closed the line of credit for my small business ( XXXX XXXX XXXX XXXX ) account number ending in XXXX in XXXX. I'd like to reimburse them the annual fee they charged. 

I filed a complaint with CFPB and her response on XX/XX/XXXX, XXXX XXXX XXXX, escalation representative admits that the fee of {$170.00} was for the period XX/XX/XXXX to XX/XX/XXXX. 

Since Wells Fargo unilaterally decided to close the line of credit before the annual term, I believe they should refund the entire fee since the fee was paid for the privilege of being able to draw cash anytime during that one year. 

I also suspect that my line of credit was closed because I'm a XXXX ( XXXX XXXX ) and over the age of XXXX ; i.e. the closure is based on discrimination against me because of my race and age. 

I'm asking Wells Fargo to 1. Reflect my new business address in their records 2. Refund of {$170.00} BY TRACKABLE DELIVERY to my new business address 3, An apology for giving me the runaround to return this fee that should have been automatically refunded when Wells Fargo unilaterally chose to close the account 4. An apology for engaging in unlawful XXXX and age-based discrimination in closing my line of credit account that was in good standing with no missed payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TRANSUNION multiple letters of verification of employers. I've informed TRANSUNION that these employers are not associated with me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries pop on my credit report that I did not apply for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I registered for a Chase Freedom XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get Chase to resolve the issue. 
Since that date, the card has not shown up on my XXXX and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called Chase about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, Chase must not be reporting it, call Chase. 
I called Chase, told them XXXX said to call them, and they escalate me to XXXX of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking Chase back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what Chase told me, and they told me it wasn't their fault, Chase must not be reporting it, call Chase. I stressed to them that it's not Chase 's fault, and asked to speak to a supervisor, but they refused and told me to call Chase. 
I called Chase, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Product: Debt collection

Requesting US bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate :XX/XX/ XX/XX/ 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.
Product: Checking or savings account

On XX/XX/2023 I made a mobile deposit. The check was in the amount of {$1300.00}. The bank made an error and only credited my account {$1300.00}. When my employer brought it to my attention that they shorted me {$40.00} I called the bank the first week in XXXX. I had to wait well over an hour for a customer service rep to get on the phone. She said that the bank would fix the error and we should have the credit by XX/XX/2023. As of today they have not credited us the {$40.00} that they shorted us and I have attempted to call them multiple times and have also utilized the online chat feature but have never been able to speak with a customer service representative. You are just kept on hold indefinitely. Even the Chat feature is unmanned ( transcript attached ). I tried the chat feature and called again today with no live person for over an hour.
Product: Credit card or prepaid card

My account was recently closed for no reason I have not charged in some month 's but we are in a pandemic. This is a XXXX XXXX XXXX bank card. Reopen with a higher limit removal from My credit report.
Product: Debt collection

On or about the first and second week of XXXX XXXX I received phone calls from debt collectors who claimed that I owed a {$6000.00} debt to XXXX XXXX. I had a bank account with XXXX XXXX that I closed more than seven years ago and when it was closed I owed no money. I have not had any other account with XXXX XXXX. I received a " Notice of Bank Levy '' in the mail from the same debt collector : XXXX XXXX XXXX, XXXX XXXX. That notice contains my SSN and date of birth so I can not upload it for this complaint. I told the two callers that I receive SSD and have no other income. I do have a bank account with XXXX XXXX XXXX and am worried that someone may try to attach it, although the levy notice has no case number, court name, and was not signed by a jurist although " enforcement order '' is printed in red ink on the notice. I have received a phone call from another debt collector who claimed that a XXXX XXXX used my XXXX XXXX  account PIN to withdraw funds from a XXXX XXXX account and that is why I owe the bank {$6000.00}. I have no knowledge of any such incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.
Product: Payday loan, title loan, or personal loan

This loan is a scam and a rip off because I took out XXXX and the lady told me that i will be paying bi weekly of XXXX. I brought it to her attention thay the payments I see is way over my loan she said that she can see me the right one but its the same one. I talk to other lady and she told me that I havent paid for my loan yet only interest and interest is everyday. I was n't told this when I first did this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX  noticed my score had dropped from an account I was an authorized user on a XXXX XXXX which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called XXXX to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through XXXX XXXX. This was reported from Equifax. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to XXXX XXXX they only had my actual cards on file.
Product: Credit reporting or other personal consumer reports

This account called Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Product: Credit card or prepaid card

A balance transfer was requested by myself on XX/XX/XXXX, from my new XXXX XXXX XXXX XXXX credit card to my Capital One/Venture card in the amount of {$5800.00}. As of today XX/XX/XXXX, I still owe {$5800.00} to both bank institutions. Capital One/Venture One credit card says they have never received the check for the {$5800.00} and XXXX XXXX XXXX XXXX has told me twice that they are sending me a copy of the check. In XX/XX/XXXX, I was told that a copy of the check would be mailed to me to show that Capital One did cash the check. After waiting for three weeks and never receiving the check I called back again. I spoke with someone who researched my account more thoroughly and said that she didn't think that a check had been sent out because the information on file for the balance transfer did not say Capital One Bank, it said Venture One and the address to mail the check to was in fact my home address. The customer service representative said she was going to put a stop payment on this check because she felt that someone probably did not send this check out with so many mistakes on the account. I am getting zero assistance from either institution, someone, to please intervene and help me to resolve this. I have been told twice that a " copy. Capital One refused to do anything with me in resolving this issue and said that they needed to see a copy of the check. I am at a loss here. Capital One did temporarily hold the charge but has since put the charge back on my account.
Product: Debt collection

I got a loan for a XXXX XXXX from XXXX XXXX for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to DNF associates as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire XXXX XXXX listing in my credit report, but also the collection account from DNF associates. 

( By the way, the DNF balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with XXXX XXXX, DNF associates and all 3 credit bureaus. Please help!
Product: Checking or savings account

I live in Tennessee and Usbank said I was at their XXXX XXXX main branch location on XX/XX/XXXX. I was in another state. I think my dad deposited my tax return although the email said thanks for visiting our branch location which implies somebody pretended to be me at the bank. My dad is an elderly XXXX  so I hope identity thieves are not pretending to be us. I do not know why my dad would pretend to be me at the bank. If it is an impostor, then they are probably phishing my business ' checks and clients before I get them, as if they knew a big check was coming in and then they withdraw it before I notice. I do not authorize anyone to pretend to be me at the bank. I alerted XXXX, so if they did not respond then they are corruption suspects. Nobody needs to pretend to be anyone else in order to make a deposit. Accessing my account illegally is a serious bank XXXX  red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MS XXXX, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and BBB. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my rights. 

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: Payday loan, title loan, personal loan, or advance loan

Each month I pay approximately {$460.00} in full. Since this year, I would make the payment online in full and in the next couple of days, I would receive a call from XXXX informing me that I owed the remainder of my payment which seems to fall around the {$53.00} plus or minus range. I explain to them that the payment was made in full and I should owe anything " extra ''. After some discussion, they reply with 'oh, I just had to refresh my screen and I see you don't owe ''. 
This happens way too often to be a software glitch or a bankers mistake. I have never had this kind of response on any financial issue with any bank. When they called today, I had to tell them to " refresh '' their screen. They would then say yes, I did not owe. I made a formal complaint to the company using XXXX number I was given by the XXXX caller. I told them that this happens way too often to be an accident and my concern is that they may be doing this to many more people than just me. There is no way that this keeps occurring and not have been repaired or fixed.