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

Discover Bank closed my account when I called them to inquire why my credit limit had been lowered! They admitted their error, but refused to reopen my credit card account!
Product: Checking or savings account

Td bank has put a hold on a {$7200.00} deposit for 10 days ( 6 bus days ) for " protection '', the check already cleared the writers account, which is my company, I called and offered proof, but no help or consideration Given,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Finanical Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due XXXX XXXX XXXX XXXX, which falls under XXXX  according XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request the you block this information from my credit report within four business days, pursuant to section 605C of the Faoir Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all list accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX bal. {$750.00}, XXXX XXXX, {$2000.00}, XXXX XXXX, {$4500.00}, XXXX  Bal {$700.00}, XXXX XXXX XXXX {$4300.00}, XXXX  XXXX Bal {$880.00} XXXX XXXX {$1700.00}, XXXX XXXX {$6400.00}, Bankruptcy.
Product: Credit reporting or other personal consumer reports

Pursuant to 5 U.S.C. 552 ( b ) ( 6 ), any personal, medical, or similar file is exempt from public disclosure if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the person 's personal privacy.
Product: Debt or credit management

In XX/XX/XXXX I provided Americor with XXXX and requested the settlement amount need to pay off all debits for 3 creditors. I followed up multiple times to get this info. 
In XX/XX/XXXX, I had not received the settlement nor had they approached the final creditor to reach a settlement agreement. Therefore I requested they remove the 3rd creditor and provide me with the settlement amount to settle the othertwo ceditors. I received and on XX/XX/XXXX, paid an additional {$1300.00} to payoff the accounts. I received this after I filed a complate with BBB. 

On XX/XX/XXXX, I received an email notifying they've received my final paymentand will close account. In the email they stated " Our team will ensure no further deposits process into your dedicated account during our review. '' On XX/XX/XXXX they processed an additional draft of XXXX. This resulted in three returned checks. I requested they refund the draft and {$100.00} for the fees. 
On XX/XX/XXXX they responded denying the {$100.00} in fees as it was already processing. The cut off to stop was XX/XX/XXXX. 
I responded pointing out they informed me on the XXXX ( prior to cutoff date ) that they would stop future payments. They've responded again denying the request, this time indicating payments are not stopped until they've closed the account. 

They also have future payments scheduled to occur on the XXXX of each month. I've requested they stop these but they have yet to do so. 

I request they refund the balance of {$520.00} showing in my account. Refund the {$100.00} of fees I incurred as a result of their misscommunication/errors. Immediatly stop all drafts for future months.
Product: Credit reporting or other personal consumer reports

This is really worrying, applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them or applied to them, resulting in my credit report being pulled up by these companies and hurting my credit score and be used for potential fraud and identity theft. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit card

American Express Blue Bird XX/XX/2016 RE : Blue Bird Acc # XXXX I have used the Blue Bird Card for several years - processing thousands of dollars through this account - this is a Pre-Paid Card and have utilized the benefits that allow me to send family members money. 
I went online today to send " XXXX '' [ one of my family accounts ], money to find that American Express had authorized and paid a " duplicate charge '' from XXXX in the amount of {$120.00}. This charge was made on XX/XX/2016 and paid - but AmEx paid it again - the merchant XXXX must have processed it again - yes? But why would AmEx pay it again when there is NO MONEY TO COVER IT? And put this account in the negative? I have never seen anything like this before and will not accept responsibility for this and should not have to wait 10 -14 days to have this account credited so that I can send and use the card.! I am being inconvenienced and this is not part of our agreement! 
In other words, you loaned me the money and the account is over drafted now? This is WRONG! Now I was told that I must wait 10 - 14 days and file a dispute? I did not make this mistake - Am Exp made the mistake. Yet now I ca n't send XXXX money unless I cover the XXXX over draft? This is wrong - I did not open a credit card or loan account this is a Pre-Paid card and Am Exp made a mistake and I desire it to be corrected. Yet now Am Exp has taken up over two hours of my time and I have to go out and wire XXXX money because I ca n't use this card! 
It has cost me time and money today as I have had to go out and send money through XXXX - you should also allow credit for my inconvenience. 

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

I'VE CONTACTED EACH CREDIT REPORTING AGENCY BY CERTIFIED MAIL IN REGARDS TO INACCURATE INFORMATION BEING REPORTED, SPECIFICALLY THE XXXX  ACCOUNT. THIS ACCOUNT HAS BEEN CHARGED-OFF BY THE CREDITOR AND CONSIDERED A PROFIT LOSS. 

THIS ACCOUNT WAS CHARGED-OFF XXXX, AND HAS BEEN FILED ON THE CREDITORS TAXES. PER IRS, THIS IS NOW TAXABLE INCOME AND SHOULD NOT BE REFLECTING A BALANCE. 

ACCORDING TO FCRA, EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. EACH COMPANY FAILING TO DO SO HAS VIOLATED 15 USC 1681 ( E ) B. 

I HAVE REQUESTED THIS INFORMATION BE MODIFIED SEVERAL TIMES TO REFLECT CORRECTLY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I would like all accounts removed from my credit report 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Student loan

In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.
Product: Debt collection

In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

T-MOBILE. I signed up for XXXX service for XXXX lines, myself and XXXX sons, at the XXXX store. At that time I was given XXXX free tracking devices linked to each phone. The store rep said these are completely free. After a month of terrible service, I cancelled the service and returned the XXXX devices to the store. I received a bill from XXXX that had a monthly service charge for each device, along with a fee for each device. I contacted XXXX and told them I had returned the XXXX FREE devices to the store. XXXX indicated that the devices were still linked to my account and I needed to pay for each, or return to the store to get a receipt. I told XXXX that I have since moved, and do not want XXXX XXXX an hour each way to the store to get a receipt that you can call the store yourself and they can provide you whatever receipt you need. Also, I told XXXX that I did not receive a receipt when I returned the devices because they were FREE. You don't get a receipt when something is FREE. T-Mobile continues to harass me for payment for this debt that I do not owe. If the devices were not free, then XXXX misrepresented their products. T-Mobile has sent this debt to Amsher Collection Services . I refuse to pay this debt and any associated late fees.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America assessed a {$12.00} " service fee '' on my new checking account. I increased my balance to the {$1500.00} required minimum and asked them to refund the fee, since I am retired on a limited income. They refused, claiming it was a " valid fee. '' I have no idea what " service '' they allegedly provide for {$12.00} a month! They don't pay interest and they haven't even sent me any checks!
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 Account Name XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.
Product: Mortgage

It appears that Seterus may be using a delay tactic to provide a mortgage loan borrower potential assistance or information she is legally entitled to in a timely manner.

Seterus Correspondence Response Team is sending written correspondence to a Legal Aid 's Executive Director about a mortgage loan he never inquired about. One of the Legal Aid 's staff member represented the borrower on said mortgage loan in the past. The Executive Director was never part of the services provided to said borrower. 

Per the XX/XX/XXXX correspondence, Seterus records indicated that the Legal Aid currently represents mortgage loan borrower and Seterus did not have the authorization to communicate directly with the borrower. They further went on to confirm that the correspondences the Executive Director had received were not sent in error.

The Legal Aid 's staff member that assisted the borrower sent written correspondence to Seterus on XX/XX/XXXX confirming they were no longer representing the borrower. She requested that all future correspondence was addressed to the borrower. On XX/XX/XXXX she sent a second written correspondence to Seterus, which included Seterus internal Third Party Authorization form so their staff could proceed communication with borrower and her daughter who had Power of Attorney.
Product: Money transfer, virtual currency, or money service

We were scammed trying to purchase a puppy on the internet. payments made using XXXX through Bank of America. two scammers were XXXX and XXXX. Total amount {$1900.00}. Bank of America claim number XXXX. Claim denied. Reported to IC3.gov, reportfraud.ftc.gov and XXXX
Product: Credit reporting or other personal consumer reports

XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX  Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Address po box XXXX XXXX, TX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Business on behalf of XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXXXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card or prepaid card

I been a best buy Citi card customer for around five years now. In such time, I am yet to make a single payment late nor used any amount past the account available balance. In any case, a little over a year ago I made use of my best buy Citi card and an interest-free promotional period. The special at the time offered purchases above a certain amount interest-free for a period of one year. To be clear at no point in time was there mention of the promotion being deferred or the interest having to be charged back to the principal at the end of the promotional period. However, that is exactly what best buy Citi card resorted to. Upon termination of the promotional period, interest was charged back to the account, which lead to an increase in balance of over {$460.00}. Subsequently, the balance was reported to all major credit reporting agencies, and the added interest began to accumulate interest of their own. Needless to say, The increase in balance also leads to an increase in minimum payment and of course higher interest accrued monthly. I personally contacted best buy Citi card on the subject via phone and e-mail and every case their position has been to stand by such practice and refuse to honor their promotion and to refund such overcharges to my account.
Product: Debt collection

I recieved a call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX concerning a debt from XXXX XXXX XXXX in 2010. He represented himself as a lawyer contacting me on their behalf to collect. I informed him that i had paid this debt and explained this to others that have contacted me concerning this matter. I also informed him that i have in my possession a paid in full letter that could be sent if he mailed or emailed me confromation of who he was and the business that he repersented. He then became rude and stated that he would not mail or email any corospondiance to me and would take this as a refusual to pay and would see me in court. I stated to him that i had visited the establishment that was said i owed monies and was told by its employees that i had no account in their system. He then responded that he would just see me in court seeing i was refusing to pay and hung up the phone. I have contacted my legal represenitive and forwarded this same information.
Product: Credit reporting

Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.
Product: Mortgage

I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in XXXX.