23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regards to case # XXXX, XXXX, and XXXX. 
At the very beginning of this they said they would not quit calling us because they said it was the primary number my son gave for him. When we spoke to him he stated he never gave our number out. They have lied to us numerous times including telling us that different employees had spoken with us. My answering machine has XXXX XXXX 's name recorded on it and yet XXXX the manager tried to tell us it was a XXXX that spoke with us. They said they are not the company that was involved in this and yet when I called the number they gave and asked them if they were XXXX they replied yes they were.They have continued to harass my daughter and myself. My daughter and I called XX/XX/17 and told them we were recording the call and did record the call requesting a cease and desist fax number and what they needed to process this and were told they do not give this out and will not honor one any way. At the beginning of the call my daughter asked them the name of the company and asked if they were XXXX and told them they were being recorded and they said yes they knew. They verified that they are XXXX and knew they were being recorded and got defensive they ended up hanging up on us. We do not need to be harassed by creditors and the information that they have shared with us should have been private information.
Product: Checking or savings account

The Citibank a world bank in the USA issues fraudulent debit cards. Debit cards with wrong info on the back of their affinity.
Product: Checking or savings account

In the years that I used navy federal, I have been a victim of my funds being misused
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this evening, and I cant figure out why. I check my credit regularly, but this time, there were discrepancies out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but it didnt fix anything. These inaccuracies stayed put, and now Im asking for a thorough review of the documents Ive submitted, so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an account passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


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

XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my Equifax and XXXX reports immediately. Account numbers are XXXX and XXXX
Product: Checking or savings account

Interest rate on 360 savings accounts is incorrect and not as advertised
Product: Credit card

I've consistently made sure payments on this account are on time, never allowing them to be overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Debt collection

In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again
Product: Vehicle loan or lease

I made a payment to what I have left of the loan. I just ask for a statement that says Everything is paid off and there telling me different dates and Exeter Finance say they will send it repeatedly. I have called them more than 10 times to ask for a payoff statement or paid statement and they do not send anything.
Product: Student loan

My loans were paid off on XX/XX/XXXX with a payment of {$11000.00}. XXXX XXXX XXXX XXXX showed a balance of {$0.00} on the loans and on interest. In XXXX of XXXX my loans were sold to EdFinancial ( which I was not aware of as they have been paid off ) and I recently received an email in my spam box saying that I owe a balance of {$10000.00} and a payment is due XX/XX/XXXX. When I created an account to see what was going on, I also showed no payment due as well as loans to be paid off by XX/XX/XXXX. I have tried contacting XXXX but can not get through as my social security number is needed and I am told that it does not match their records. When speaking to EdFinancial, I was told that the reopening and added balance of loans is not uncommon and has been happening more and more. I faxed the XXXX fax numbers from XXXX website asking for the proof of payment record and have not received a response.
Product: Checking or savings account

I have been charged over {$600.00} in over draft fees over the last 3 months. 

If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. 

PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. 

All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. 

NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized IR XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/year> All Three Credit Bureaus My Information ( my name ) XXXX XXXX XXXX ( my address ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( my telephone number ) ( XXXX ) XXXX XXXX ( my employment ) XXXX XXXX XXXX  XXXX ( my E-mail ) XXXX all three credit bureaus please remove all of my personal information history because I'm trying to eliminate identity theft so please remove everything else use the info up above. 
I need for you to remove these creditors from my credit history these are fraudulently obtained accounts please remove. 
( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX Sincerely XXXX XXXX XXXX I'm not liable for this debt with I do not have a contract with the credit agencies filing this report this was fraudulently obtained by identity theft they did not provide me with the original contract as requested
Product: Credit card or prepaid card

My son purchased a {$100.00} Visa Vanilla gift card from XXXX and upon removing the exterior packaging it was evident it was tampered with- the numbers were damaged and there was no cvv, so the card was not usable. After calling visa they said that it could take 30 days after a claim is filed to resolve the issue, and this is only if they feel that the information was stolen.
Product: Debt collection

Americollect is not registered to collect medical debts in Minnesota. The company has repeatedly not responded within 30 days and continues to report unverified, inaccurate information against me. XXXX  and XXXX  has already deleted these accounts from my credit report for FCRA violations. I have attached proof of this. I am requesting Americollect removes the two alleged debts against me for FCRA violations immediately.
Product: Debt collection

Midland funding has filed a Jude gene that to garnish my wages again without notifying me. They did this in XX/XX/2020 and it is the same agency/lawyer so they do have correct address information to serve me. They purposely sent it to the wrong address so that I would not have the information to show up to my court date. I disputed information with them and gave them my correct contact information. It is embarrassing that I have to keep going through this and explaining to my employer and is causing a threat to my continued employment. I feel that this is harassment.
Product: Mortgage

I was pre-approved for a loan at a set amount and interest rate by Discover Home Loans. 

On XX/XX/2024, the loan came back for less than expected and with a higher interest rate due to the valuation, which did not include an ADU ( additional dwelling unit ) on our property. I submitted a form for reappraisal, specifically noting the error. 

On XX/XX/2024, I was asked for information on the ADU, to which I responded. 

On XX/XX/ 2024, I received the new appraisal, which had decreased by {$35000.00} instead of increasing as expected. Upon review, I saw that the new appraisal not only ignored the ADU but also decreased our bedroom count by XXXX, our bathroom count by XXXX, and our square footage by over XXXX sqft. I could not find county documentation of the room makeup but provided information on the ADU and corrected square footage. I asked how these erroneous changes were made on this " XXXX XXXX XXXX '' appraisal but received no response. I sent a second request for a correct appraisal, noting the errors. On multiple occasions, I mentioned I was open to an in-home appraisal to correct these errors. 

On XX/XX/ 2024, I received the new appraisal, which, as far as I could tell, was the exact same one with just {$10000.00} added to the value. No errors were corrected, and the ADU was not included. I asked more questions about why the errors were not corrected and expressed my frustration. I was requesting a very clear and simple correction that was being ignored. On XXXX XXXX, 2024, I was assured it would be looked into and that I would receive a response. 

On XX/XX/2024, I was informed that no further adjustments to the house value would be made and that I had to accept or reject the loan at the elevated interest rate. Given my clear and simple points to correct the appraisal, and considering the insertion of errors in their favor that did not exist before, followed by their refusal to correct them, I suspect this is not incompetence but a deliberate method intended to unfairly raise interest rates.
Product: Debt collection

The owner, XXXX XXXX and his company XXXX reported to a third party debt collector in Florida named Hunter Warfield that we owed them {$6700.00} and garnished our security deposit of {$1100.00} for rental arrears upon our vacancy of their property. XXXX and XXXX are fully aware that there was a court proceeding between us and them where the judge reduced the amount of {$6700.00} to based on the conditions of the apartment and rendered a judgment for a total of {$4700.00}. XXXX was contacted as soon as we received a notice and saw the report on our credit reports that is falsely reported and negatively affecting other finances. XXXX stated he would not be correcting it and he disregarded the judgment and never provided the debt collector with this judgment, only a fraudulent account ledger showing blanked out charges for illegal fees added to the bill. He intentionally is trying to cause harm in the form of monetary damages because we had been complaining about him and his company since the beginning of 2024 and knows these actions are illegal and would be bad to be on our credit report. 



The company is XXXX XXXX XXXX XXXX XXXX and is owned by XXXX XXXX and managed by XXXX XXXX
Product: Debt collection

I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
Product: Credit card or prepaid card

Hello, I have an issue with Credit Protection fees related to my Bloomingdales store card. 

I signed up for the Bloomingdale 's credit card as an active credit line and I was told that an added benefit of having this card was the credit protection - there wasn't a clear disclosure that this would be a month-to-month service. I have a card that provides this service free of charge so the incorrect conclusion was that it would be similar. 

I took a look at my Bloomingdales statement and found a credit protection service with the following : FEES Transaction Date : XX/XX/XXXX Description : CREDIT PRO XXXX Amount : {$17.00} Bloomingdale 's customer service provided a high-level summary of this charge and confirmed they could not cancel the service because it's a separate entity. 

I called the XXXX XXXX ( XXXX ) XXXX number for more information and to cancel. That process required additional effort ... 

1. A voice message appears letting you know about long wait times, I was a bit discouraged but decided to stick to with the call. 

2. The second message lists out options incl. terminating the service ( # 3 ). I was prompted to enter the last 4 numbers on the account. Try it for yourselves, the " system '' doesn't recognize the input. I did this on both landline and cell phones. I kept inputting the numbers and message that I hadn't entered a number. I was finally connected to a representative. 

After introductions, I asked the representative the following questions : 1. What is this service about? Rep said this is credit protection plan in addition it will pay the minimum balance on your bill in case you lose your job ... 

2. What's the website? I'd like to see the benefits. " No, we don't have a website. You may request more information by faxing us at XXXX and please include a cover on your faxed request. Requests take 5-7 business days to process. '' 3. How do consumers know what's included in this service? " We mail the information out one time, so individuals are aware after they sign up. '' 4. Please detail the terms and conditions. " Please send us a fax and we'll be glad to help ''. 

5. Are you affiliated with Bloomingdales? " No, we're not affiliated. We provide the service to the cardholders ''. 

I'm writing to CFPB because the process of obtaining information was arduous. 

1 ) I'm signing up for a PAID SERVICE, that was described to me as a card benefit ( no monthly fee is disclosed ). 

2 ) The initial process of reaching a representative is not easy and I was dissuaded from continuing. I'm sure working folks, who have limited time, may not have cancelled as a result. 

3 ) Getting information is made even more difficult by having to fax ( not email but fax ) in requests of the services ; which undoubtedly will make folks rethink and continuing paying. 

4 ) The {$17.00} becomes part of my Bloomingdales principal balance. If this is your only payment, minimum payment, you get hit with a {$38.00} late fee. If you don't keep tabs on your account, this can accrue rapidly over time - especially with a 25.24 % APR.
Product: Credit reporting or other personal consumer reports

I did not initiate these accounts, and I suspect them to be XXXX I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Product: Student loan

I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.
Product: Debt collection

this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX.