23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I received notification from a credit monitoring agency that I had opened a new account. In fact, I had NOT opened a new account. We accessed this information and found that the new account, using my name and SSN, had been opened with Avant LLC/Web Bank XXXX We contacted Web Bank immediately. They allegedly flagged the account and sent us the paperwork to fill out to have the investigation opened. We filled out the paperwork expeditiously, including having it notarized and filing a police report. We faxed the paperwork to them on XX/XX/XXXX. 

On XX/XX/XXXX, we received this email response from Avant. " We are sorry, but we are unable to accept the Identity Theft Affidavit you provided because it is not notarized and the Law Enforcement Report you provided because both documents must explicitly reference Avant. 
Please submit an updated Identity Theft Affidavit and Law Enforcement report. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction. '' As I stated, the affidavit WAS notarized and that page was included in the original fax as was information mentioning their company. Upon doing research with another reputable ID protection agency, this is an unusual bit of nitpicking from a credit card company to flag a fraudulent account and have it removed from my credit.

In the meantime, the card has been maxed out, despite allegedly being flagged as fraudulent, and my previously excellent credit score has dropped XXXX points to very good. The credit card issued by Avant was a small card with a XXXX dollar limit. In addition to my attempts to prove this was not me, it makes no sense that I would take such action and behave this way with a credit card for credit risk applicants. According to my credit report, I have only used 20 % of my legitimate available credit, which extends into the XXXX of thousands of dollars. Why would I open a {$500.00} limit card and immediately max it out? 

Additionally, their communication with us has been lax. Because of my work hours and environment, I can not make personal phone calls. My wife tried to call, but they refused to talk to her. Twice, I have had to leave work early just so I can stand in our living room for 5 seconds and verbally give them permission to talk to her. According to advice I have been given, we should only have had to do that once, and the account should have noted that she was allowed to speak on my behalf. We have also tried to call numbers that were given to us by Avant 's agents that were supposed to go directly to the fraud department. This number, XXXX, which we have tried to call three times, only elicits the high pitched squeel of a fax line. We have also sent emails to the address that their agent gave us, XXXX. Their agents assured us that someone would respond. No one has. 

Avant/Web Bank is giving me the run-around when I, in fact, am the victim. Their poor business practices is causing distress, and they refuse to fix their own mistake.
Product: Debt collection

XX/XX/19- My father with the same last name failed to pay his medical debt for medical practice 'XXXX XXXX XXXX XXXX '. My father failed to pay {$510.00}. This debt was placed on my credit report and has hurt my credit substantially. 
Capital Accounts LLC XXXX XXXX XXXX XXXX TN XXXX : ( XXXX ) XXXX is the debt collector that placed this on my credit report. I called them and they verified I did NOT have an account with my DOB or SSN. I told them that they incorrectly placed a negative report on my credit, and they stated they submitted correct information, to contact credit bureau. I submitted dispute with XXXX online, and they " confirmed '' it belong to me when it does not. 

I asked Capital Accounts for proof that I did not have an account with them, but they state they can not help me with that since I do not owe them anything. Due to their mistake in reporting, I will now have to hire lawyer to get this off of my record. This practice is not fair and needs to be rectified.
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt
Product: Debt collection

I was served by XXXX XXXX County back in XX/XX/XXXX, I never received anything from this company prior. I called XXXX XXXX XXXX the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted today XX/XX/XXXX by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.
Product: Money transfer, virtual currency, or money service

A friend transferred me money because I had a personal emergency my account is frozen has been since day XXXX XX/XX/XXXX never received money I called I chatted I emailed I verified everything they asked still no money
Product: Money transfer, virtual currency, or money service

Cash app was my company that I did all my financial needs monthly. I had changed my phone number and updated it in the app, when shortly after I noticed a purchase from a chain restraint that I dont eat at, so I immediately contacted customer service through the app and disputed the transaction and requested a new card. To which I was met with no reply, the dispute being denied via email and my account closed and locked. My funds were then transferred to my linked bank account without my knowledge as well as the dispute amount for the unauthorized purchase that they denied and closed my account over. My funds were locked in processing for days though and no contact whatsoever from cash app or their customer service
Product: Credit reporting or other personal consumer reports

I have contacted exter finance since XX/XX/2024 when I discovered an account in my name with their company and at the time of incident I was serving a prison term. I sent letter on XX/XX/2024 after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my jail sentence is included in attachments 15 U.S.C. 1681, ET SEQ.

FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.
Product: Credit card or prepaid card

On XXXX rec 'd phone call, caller ID - Chase at XXXX. Individual claimed to be XXXX and there was a problem with my cc ending XXXX. She asked questions, put me on hold 3-4 times, then never came back, but a man came on and did the same as XXXX and I hung up. XXXX I called Chase to check on a purchase I previously made and could not access my account. I called to talk with a person, to find out I had been scammed the day before for {$16000.00} for four transactions in XXXX. I was told I was not responsible for these charges and transferred me to the fraud dept. Two different individuals in the fraud dept. stated I was not responsible for these charges. One recommended I cancel my card, which was done. On XXXX an individual came to my house, identified herself, stating she was from XXXX County Dept. of Human Services and received a phone call from an individual she was asked, not to identify. She asked if I was scammed for several thousands of dollars. I replied, yes. She helped me contact three credit reporting agencies and advised I report this to the XXXX Police Dept. which was done. My attorney has sent an affidavit to Chase, stating not my charges, was received on XXXX, requesting a response. Chase has not responded.
Product: Mortgage

My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX  XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  XXXX {$3400.00}
Product: Checking or savings account

On XX/XX/XXXX there were two transactions out of account for XXXX as well as XXXX as a transfer to a 3rd party. I contacted chime to let them know said party was NOT intended recipient. Chime Representative stated that I should request money back from recipient in which I dont know the recipient nor do I use the pay friends gesture and havent since XXXX of XXXX. Also received text confirming if I attempted to send XXXX XXXX and I declined.
Product: Debt collection

I received information from Hayt, Hayt, & Landau, P.L. attempting to collect the above-listed alleged debt. The initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Hayt, Hayt, & Landau, P.L. are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have discovered ( 2 ) inquiries on my Experian Credit report that were a result of a identity thief trying to establish credit in my name. I did not authorize these parties checking/pulling my credit, and I have attempted to contact Experian about this and was not assisted. The following inquiries are fraudulent and need to be blocked from my credit report. I did not authorize these companies to pull my credit, and this was an act of fraud. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I am attaching a copy of my recent police report that addresses that accounts are being opened or attempted to be open in my name without my permission.
Product: Debt collection

On XX/XX/2020 I requested a Validation of my debt with Arcadia Recovery Bureau and sent it on XX/XX/XXXX XXXX XXXX XXXX which they received on XX/XX/ 2020 at XXXXXXXX XXXX and sent them a XXXX letter on XXXX2020 which they also received on XX/XX/ 2020 at XXXX XXXX  and today is XXXX I have not received a single response from them. I requested a validation for the debt and also requested the HIPPA release in which to my knowledge a 3rd party collector is not suppose to have anything regarding medical records. I will send documentation and proof of everything I have sent to them but it's been over 4 months and I think this is negligence on their part to not respond letters. 

I have sent the 2 letters which I sent with both certified receipts and tracking numbers.
Product: Debt collection

National Credit Systems has purchased alleged debt from XXXX XXXX and is now trying to illegally collect on debt that I am not responsible for and I have never done business with this company. They have no proof that I owe anything. I need this account removed from all credit reports and profiles as it is negatively affecting my ability to obtain housing for myself and my family.
Product: Bank account or service

My wife and I each opened CITI Gold Checking accounts with CITI Bank. I confirmed via instant chat on their website as well as over the phone that we were both eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to each of our accounts ( a total of XXXX miles ). They are denying ever confirming my eligibility and refuse to credit the miles.
Product: Credit reporting or other personal consumer reports

After your reinvestigation, I disagree with the resolution. This account is negatively impacting my ability to obtain credit. The difference in the payment amounts, last payment dates, and the repeated reporting of repossession by Experian. 
It seems that Experian is reporting XXXX negative months for a repossession originating only in XX/XX/XXXX, there are no XXXX days late reporting after the XXXX days, and there is no reporting of repossession in XX/XX/XXXX. This is an error as a repossession should not be reported as a new negative event every month following the actual repossession date. This is a violation, and the account must be removed immediately as you have failed to accurately report this account. 

XXXX XXXX Account number : XXXX
Product: Student loan

In the Wells Fargo response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' That is there is a causal connection between alleged returned mail and cessation in statement generation WHILE continuing to bill, and that alleged items of returned mail equally stopped electronic statements from being generated. XXXX XXXX XXXX then provides another statement connecting the billing errors for XX/XX/XXXX and XX/XX/XXXX to me, alleging " We confirmed that statements were restarted in XX/XX/XXXX, after you confirmed address in XX/XX/XXXX. '' I did not contact Wells Fargo in XX/XX/XXXX to update and/or confirm my address information. I didn't know there was any issue ( XXXX ) with my loan accounts at the time. Although contradictory to other statements, a XXXX XX/XX/XXXX response and clearly states the accounts were in deferment for XX/XX/XXXX and XX/XX/XXXX. Having no access to even electronic statements, I would not know there was any issue with the accounts ( billing was suppressed. XXXX XXXX alleges no communication took place over those same months in his XXXX XX/XX/XXXX response to an inquiry from my State 's Office of the Attorney General, claiming that WF has no record of call communication from me after XXXX XX/XX/XXXX. This is misleading as my accounts were placed into a deferment on or around XXXX XX/XX/XXXX, and I'd been filing complaints and receiving responses to billing errors since around XXXX of XXXX -- to which WF responded. All of this is important because XXXX XXXX claims in XXXX that statements were withheld from me ( unlawfully ) and that my right of notice was only re-enabled once I confirmed my address in XX/XX/XXXX. The XX/XX/XXXX time-frame seems rather arbitrary and odd. What DID take place on XXXX XX/XX/XXXX is a Wells Fargo soft inquiry on my credit files. Attached is the inquiry from XXXX. Considering the timing of the soft inquiry, it appears to be an inquiry conducted in a similar manner to what a debt collector would do in order to find/contact/mail a collection notice. The point is I did nothing between the months of XX/XX/XXXX and XX/XX/XXXX to warrant that should have prevented me from receiving a statement. The last knowledge I had was that the accounts were deferred. Yet, somehow WF has implied their systemic failures are my fault, despite the fact that I was communicating with them, and despite the fact that I continued to reside and receive mail at the same address.
Product: Credit card

Subject : Dispute Regarding Incorrect Payment Allocation and Interest Charges on Citi Bank Best Buy Credit Card Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a billing issue with my Citi Bank Best Buy credit card account. Despite my efforts to resolve this matter directly with Citi Bank, I have not received a satisfactory resolution and am now seeking your assistance in rectifying the issue. 

As of XX/XX/XXXX, my account had three promotional balances as follows : {$2000.00} ( expired on XX/XX/XXXX ) {$270.00} ( expires on XX/XX/XXXX ) {$1500.00} ( expires on XX/XX/XXXX ) In XXXX, I made a payment of {$2200.00} with the explicit intention of paying off the expired promotional balance of {$2000.00}. Prior to making this payment, I contacted Citi Bank to confirm that my payment would be applied to the expired promotional balance, ensuring that my other promotional balances remained intact. The representative I spoke with assured me that my payment would be allocated accordingly. 

However, despite this assurance, my account was not updated correctly. Instead of fully paying off the expired promotional balance, my promotional balance was inexplicably reduced to {$460.00}, while my regular purchase balance increased to {$2900.00}. This is despite the fact that I had only made a regular purchase of {$190.00} and an additional payment of {$120.00} during this period. 

As a result of this incorrect allocation, I have been wrongfully charged interest on an amount that should have remained under a promotional balance. This is an unfair and incorrect application of my payment, and it has resulted in unnecessary financial hardship due to the accumulating interest charges. 

I have attempted to resolve this matter with Citi Bank multiple times, but they have failed to correct the error or provide an adequate explanation. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citi Bank : Removes any wrongful interest charges that have been applied to my account as a result of this misallocation. 

Restores my account to the correct promotional balance or compensates me with 5 % cashback on the amount that was wrongly reclassified as a regular purchase. 

Provides additional financial compensation for the time and effort I have spent since XXXX trying to resolve this issue. 

I appreciate your time and assistance in this matter and look forward to your response. Please let me know if you require any additional information or documentation to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to address the issue of XXXX that are currently listed on my credit report. It has come to my attention that these XXXX are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these XXXX should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the Dodd-Frank Financial Modernization Act of XXXX. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a UDAAP violation and should be stopped immediately.