23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account, I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 XX/XX/22 XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Product: Debt collection

Around XX/XX/XXXX, I was fraudulently charged for services that the company never rendered to me. I had an appointment for a dental procedure which was cancelled completely 4 days before that appointment I was then told to go to another dentist in a different town as my only option. However, when Got there ( XXXX XXXX ) the dentist did not perform the procedure on me he only rinsed my mouth and sealed the opening with putty and I was then told by him to go to another dentist to finish the job ... When I got to the new dentist they put a cap on the area without doing my treatment whatsoever and said I was done. The next day I called the dental office XXXX XXXX and told them that my work was never completed. The lady lied to me and denied everything and Ive been contacting them for months. Already paid XXXX $ for the cap that they put on but realized I was being charged another XXXX $ for work that was never performed. I noticed the charge on my credit report and disputed it XX/XX/XXXX and have been contacting them ever since with no results about why I am being charged for work that was never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED 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
Product: Credit card or prepaid card

Last XXXX XXXX, I called the Citi Bank Customer Service to ask about any offer of Balanced Transfer under our Credit Card. The Customer Service that day responded and informed me that there is an offer an offer for Balanced Transfer that is 0 % APR for 12 months with one ( 1 ) time 3 % Balanced Transfer Fee. 

Upon hearing of the offer, I told the Customer Service that I would like to avail the said Balanced Transfer Offer of 0 % APR for 12 months and I told the Customer Service to transfer the amount of {$8000.00} into our XXXX XXXX Checking Account and the fee for the Balanced Transfer will be {$240.00} ( 3 % of {$80000.00} ) The amount of {$8000.00} was then deposited in our Checking Account after several days. But lasts XXXX XXXX, as I was checking our account online at Citi Bank. I noticed a discrepancy in the interests rate and the amount we were CHARGED WITH. The Citibank Charged us at {$140.00} just for 1 Billing Cycle ( 1month ) which was THE RATE BASED ON STANDARD PURCHASED RATE ( as shown in our statement ) for the Balanced Transfer we did the previous month. 

The term of our agreement lasts XX/XX/2020 for the Balanced Transfer was for 0 % APR for Balanced Transfer for 12 months with 1 time fee of 3 %. 

Citi Bank did not follow through the agreement that I and the Customer Service of Citi Bank I spoked to and agreed on the day the transfer was made. Citi Bank instead have charged us with an APR based on a STANDARD PURCHASED and disregarded the 0 % APR for 12 months with 1 time 3 % Balanced Transfer Fee that we agreed on. 

I called the Citi Bank and ask them why they charged me for something which is different from the agreement that I and the Customer Service I spoked to last XXXX XX/XX/2020 agreed on and they said they will investigate and until now I have not received any response from them.
Product: Debt collection

Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and XXXX to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

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 reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report involving XXXX XXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXXXXXX XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX XXXX XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX  XXXX XXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXXXXXX XXXX is held accountable for their handling of this issue. 

Thank you for your time and attention to this matter.
Product: Checking or savings account

I filed a dispute regarding a charge. The bank did not resolve within 90 days. 

Dispute was resolved on XXXX day after I contacted them twice daily. 

It was not resolved Im my favorite. 

I thought 90 days was max if not a penalty would be applied. 

Current bank disagrees.
Product: Debt collection

Quality Asset Recovery is trying to collect a debt from me that does not belong to me. 

Date opened : XX/XX/2019 Account # XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I regularly check my report, but this time, out of nowhere, there were discrepancies. I even refreshed my browser thinking it might be a glitch, but it wasn't. The errors remained after the refresh. Given this issue, Im asking for a thorough review of the documents Ive sent so I wont have to worry about this again.
Product: Bank account or service

I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.
Product: Checking or savings account

Hello Capital one has not real pleased my check yet I have made arrangements for bills and now my account will overdraft I do t have time to pull from savings because they decided to send an emails while Im sleeping that my funds wont be available I tried calling their customer service no one picks up in fact the phone DROPS. 
There isnt even an option to wait Will they be paying my fees. 
My credit can be damaged by their mistake Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying child support for years. The 1st case, I paid child support for a child  that was not my child. I went to court and the judge did a XXXX test  and the child was 100 % not my child after years of paying support. The Louisiana Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, Experian, XXXX and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX is reporting inaccurately to the 3 major credit reporting agencies that I have an outstanding debt to them. I have contacted them in writing by certified mail repeatedly for validation of the debt and to date I've received nothing. Furthermore, I was never notified in writing of this debt and therefore, I never had by the opportunity to dispute it before it was inaccurately reported to the credit reporting agencies. Also, I believe upon receipt of my correspondence, they were legally obligated to notify the credit reporting agencies that the account had been disputed which they did not.
Product: Debt collection

Dear NATIONAL CREDIT ADJUSTERS , L.L.C, I am writing about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Please provide the name and address of the bonding agent for NATIONAL CREDIT ADJUSTERS , L.L.C, in case legal action becomes necessary. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX  to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX  a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I voluntary closed my Capital One credit card accounts by contacting customer service at the XXXX number and speaking to an agent. The agent cancelled my credit card accounts during that phone call. However, at no time during that recorded call was I told that I needed to separately contact XXXX XXXX  ( a division of Capital One ) and request that my XXXX XXXX monitoring program should be cancelled. 

On XX/XX/2023, I received an email stating that Capital One was monitoring my credit score and it had not changed. The email had the Capital One logo all over it and also the name XXXX XXXX. A simple XXXX search reveals that XXXX XXXX is an agent/affiliate of Capital One companies On XX/XX/2023, immediately after receiving the email, I contacted Capital One and advised the agent that my accounts were previously closed and that Capital One no longer had my authority to continually monitor my credit score. That program, since it is affiliated with Capital One, should have been cancelled when I cancelled my credit cards. 

After an approx. XXXX minute phone call, and after speaking with 3 different agents, Capital One advised me that 1 ) XXXX XXXX is a separate request that must be cancelled separately apart from cancelling CC accounts ( despite the fact that I was never told this on the initial call nor did I ever receive any written notification of same ; 2 ) the 3rd representative told me she was cancelling my XXXX  XXXX account however she could not provide me with any written confirmation/email or letter nor could she provide me with any confirmation number because her " system wouldn't allow it '' and that was just Capital One 's " procedures. '' After I requested again for such confirmation and after she placed me on hold numerous times, she finally gave me her name : XXXX and her ID # is XXXX. 

I believe Capital One 's actions are unethical, and their practices and procedures are extremely unhelpful and leave customers with open accounts without their knowledge.
Product: Checking or savings account

.ALLY BANK APPLICATION HAS NOT BEEN FIXED. I STILL HAVE TO ENTER MY ID and PASSWORD TO LOG INTO ALLY APP, it won't save my credentials and FACE ID and PASSCODE DON'T WORK!!! Fix it!!! I have placed a complaint with attorney general!!! 

Additionally, it took me six days to transfer in between accounts of my own!!! And I have no money available at the savings account to pay my bills!!! UNACCEPTABLE. This bank is treating customers terribly!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. 

XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX