23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was for lab services at XXXX XXXX. I disputed the amount owed as I was charged a consultation fee along with lab fees. I did not receive a consultation fee nor did one get ordered by my physician. I refused to pay the amount charged of {$100.00}. The debt was then handed to a debt Collector, XXXX XXXX XXXX in XXXX of XXXX. On XX/XX/XXXX I filed a dispute and sent over supporting documentation to XXXX. I then contacted XXXX over the course of the next 7 months and was told my collection account was still under dispute and XXXX XXXX will not return any calls to the debt collector. I than heard nothing more for over 4 months assuming XXXX still did not respond. I than received a collection notice from another debt collection agency, Credit Collection Services. ( CCS ). First notice dated XX/XX/XXXX. I called CCS on XX/XX/XXXX and advised this debt was still in dispute with XXXX and was never resolved and gave specific details. I advised CCS I do not owe the entire amount of {$100.00} and will pay only what I do owe. I will pay either {$55.00} or {$47.00}, but not both. Supporting documentation attached to this complaint. This is now in violation of FDCPA as the debt is and has been in dispute and now collection attempts have taken place.
Product: Debt collection

My wife was contacted by XXXX XXXX XXXX XXXX   ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX  that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX  Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX  '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX  back to give them the good news and let them know that a quick call of the Pennsylvania XXXX  Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.
Product: Credit card or prepaid card

I received a convenience check from my U.S. Bank credit card. I deposited it into my bank account. While the check was in the process of getting cleared my account was charged an unauthorized purchase. I called to inform customer service and told them about the check that was deposited. They told me that they would wait a few days for the check to clear and then close the account and send me a new card. They did not do what they told me and the check bounced. I was charged a {$12.00} fee. The new card was sent to me on XXXX XXXX. On XX/XX/2023 I received new convenience checks so I tried to deposit XXXX of them. They check bounced and I was charged another {$12.00} fee. When I called U.S Bank I was told the checks were from the old account and were no good. I asked them how I would know since they were sent to me three weeks after my account had been changed. The agent and supervisor I talked to said it was my problem not theirs. Now I have had two returned check fees in less than a month and my bank is placing holds on all my deposited checks.
Product: Mortgage

This is the 3rd time it's happened. I have 3 mortgage loans with Flagstar Bank. On XX/XX/2021 I have all 3 payment wire from my personal account. Two of the payment posted on the same date, 3rd one is missing. I called them on XX/XX/XXXX, and provided them with transfer ID and trans code, their customer service advice will take 3-5 business days for them to research and locate my payment which already cleared and I have confirmed with my bank. And they will call/email me with the solution. On XX/XX/XXXX, I checked and call back due to my payment has not posted. They tell me they are still researching and will take 5-7 business days. I always made payment on time, to avoid late fee and ruin my credit, I have made one additional payment to keep it current and request mortgage statement. And request my case to be escalated. But nothing was done. My 2nd payment posted, 1st payment still not, no mortgage statement issue, no phone call, email follow up or response from Flagstar Bank. I called back on XXXX XXXX other rep tell me It would take 7-10 business days for them to research my payment. I seek out my bank they say it would take them minutes to find that payment. I don't understand why I got difference amount of time every time I called. Is Flagstar bank professionally train their employees and get every one on the same page. All I want is the honest answers and locate the payment they already received and apply to my account timely and accurately. I'm happy to provide all the detail if required for further research.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX  ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.
Product: Checking or savings account

I would like all overdraft fees reimbursed for the last 24 months
Product: Checking or savings account

I was just surprised that Chase bank charged me XXXX XXXX XXXX overdraft fees of {$34.00} each when I checked my account online. This bank doesn't care about their customer and they only want the money. Charging fees whenever they want to. This is ridiculous! No consideration at all. 

Also they haven't fixed my previous issue about my credit card limit increase which is an unfair practice considering I've done everything they told me to be eligible for the increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a car when I discovered my credit profile had been compromised as it has been in past. I took note of the inaccurate information and submitted this information to the Equifax credit bureau. I recently received a letter from Equifax stating that inaccurate information would remain on my report. I am now resubmitting the same information with the additional ask of the investigative process that was used concerning my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 160-point discrepancy between the credit score that was generated by this credit reporting agency compared to every other major agency in the market.
Product: Debt collection

I was given a letter in mail stating the request for entry of default judgement without hearing and due to justice court rule they now are asking for funds on an old credit card account. 
this company Gurstel Law Firm in XXXX Arizona I have dealt with them in the past and they understood I was on social security and own no assets so they dropped the case. now they are here again but the amount owed to creditor differs. I spoke to my legal aid before and they said I should not have notified them at all so that is what I did this second time. 

they send a " court person '' to serve you with papers but they literally threw the papers at me and I did not even tell them who I was. 
now I have a Request for entry of default judgement without hearing from this same company
Product: Checking or savings account

In XXXX of XXXX  Venmo froze my account while I had {$690.00} in there I emailed them several times & tried to speak w/ chat but every time I emailed them explaining my problem they kept sending a new rep who had no clue what was going on. When I finally spoke w/ someone named XXXX XXXX was instructed to wait 3-5 days which I did. Shortly after I was told my account was not available to use anymore & no update on my funds. Then they told me to wait 6 months. I reached out again recently & they reset the 6 months from when they initially told me so they basically added an extra 3 months to play w/ my money. At this point they have never told me why any of this is happening and theyre extremely hard to get ahold of, and when I do get ahold of them they send multiple reps to have one conversation and stretch it over days so none of them comprehend what Im talking about. I just want my money I dont want an account with them anymore. All theyve been doing is reminding me the account is closed but they wont tell me when exactly I can get my money, which I dont even understand why its being held. Ive done nothing wrong & they wont tell me anything about the whereabouts of my money. Now when I login to venmo instead of showing my {$690.00} pending it disappeared as if the transfer attempt never even exist
Product: Credit card

Dear CFPB, On XX/XX/XXXX, I bought tickets for a concert on Front Standing Right location. The tickets I bought had original release date XX/XX/XXXX. This was later changed to XX/XX/XXXX and I asked why the change. The answer was that the bought tickets were going to be on XX/XX/XXXX. On XX/XX/XXXX the tickets did not arrive, and the date was changed to XX/XX/XXXX, the day of the concert. I contacted them again and the answer weas that the bought tickets will be delivered on that date. 

The day before of the concert my I was notified that the tickets changed and that they told me We have no control over seating or production changes within the venue, and I was not given the option for refund. On the day of the concert, my fears about having a bad service materialized, as the tickets were unilaterally changed last minute for tickets of different quality and characteristics. 

I started a dispute with my Credit Card company and I was denied the claim. In light of that unfair situation, I come to you with proof all my efforts with the merchant to get things in time, plus the answer of the credit card company. 

Kind regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I opened an online PENFED account, But I didn't know it would be a hard pull in my credit report. This information is not transparent to the user. If I knew that it would be a hard pull, I wouldn't be decided to opening the account there. 
My credit has been reduced and my bank credibility has been affected. 
On XX/XX/2020 I applied for PENFED a credit card using the opportunity that my credit score will not suffer anymore. ( when applying for less than 30 days, the bank does not do a hard pull a second time ) I will add that I have a perfect credit history. ( attachment ) However, on XX/XX/XXXX, I did not get approved for a credit card One of the reasons is too many credit inquiries.

Other reasons also make no sense ( attachment ) Penfed Credit Union acts to the detriment of the customer they first weaken people 's credit scores later they refuse cards for a person with a perfect credit history
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card

I got behind on payments. In an effort to keep the account I made arrangements to pay XXXX a month. I didnt know that {$40.00} goes to late fees {$100.00} goes to interest and nothing goes towards principal at this rate, Ill never get out of debt and Ill be paying on this card for all eternity. Is this even legal.?
Product: Checking or savings account

I am writing to express my serious concern about the sudden closure of my two HSBC US accounts on XX/XX/year>. These accounts were : Account Number : [ Account Number XXXX ] - Previous Balance : {$1500.00} USD Account Number : [ Account Number XXXX ] - Previous Balance : {$500000.00} USD I was not notified beforehand about the closure, and upon contacting customer service, I was informed that the decision was made based on " deposit rules. '' Unfortunately, this explanation was unclear and did not provide me with a clear understanding of the situation. 

Furthermore, I requested to keep the funds in my accounts for a 3-day transfer to my HSBC XXXX account XXXX However, my request was denied, and the bank opted to issue an international check instead. This process raises several concerns : Delay : The check issuance and delivery process can take up to 40 days, causing significant inconvenience. 
Fees : There are associated fees for collecting the check internationally. 
Security : International checks can be less secure than electronic transfers. 
Due to these concerns, I request : Account Reversal : The immediate reversal of the account closures and the return of my funds to their respective accounts. 
Transfer Facilitation : Support in facilitating a swift and secure transfer of the funds to my HSBC XXXX account. 
Compensation : Compensation for the inconvenience and distress caused by this unexpected closure and lack of clear communication. 
I have always strived to maintain a positive banking relationship with HSBC US. I kindly request a prompt resolution to this matter. Please contact me at your earliest convenience to discuss these concerns and arrange a solution. 

Thank you for your time and attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the XXXX XXXX accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Mortgage

I received a statement from my mortgage company saying I did n't owe any money for XX/XX/XXXX. I followed up with a phone call and was told that in fact I did not owe anything for the XX/XX/XXXX payment. 
Three weeks ago I started receiving phone calls from the mortgage company and I told them if they has an issue with me they needed to send a written statement to my home. 
Now they are saying that I do owe for XX/XX/XXXX because they made a mistake. I said I would be happy to pay as soon as I get a written explanation of the error and a written bill for the missing payment. They refuse to do so. 
They are threatening to send me to collections. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX C- {$2100.00} 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 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 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