23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented a room in XXXX XXXX, now XXXX on XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. When signing the lease, the apartment management did not require a security deposit. 
On XX/XX/XXXX, three months after I had moved out, my mother received an email from the management with an invoice for the following charges : {$73.00} for a coffee table, {$50.00} for a bedroom door, {$160.00} for a mattress, {$45.00} for bedroom/bathroom cleaning, and {$5.00} for an electrical overage, totaling {$340.00}. They claimed that they had notified me about these charges on XX/XX/XXXX via email and uncertified mail, neither of which I received. 
On XX/XX/XXXX we sent a letter via certified mail disputing the charges, and including check # XXXX for the electrical overage. The coffee table had been paid for by my roommate who had caused the damages. The bedroom door had already been paid for on XX/XX/XXXX by check # XXXX which they deposited on XX/XX/XXXX. I did not do any damage to the mattress or room other than normal wear and tear. I believe this error may be because I switched rooms with permission of the management, so they may be charging me for damage done to the old room by whoever moved in after me. On XX/XX/XXXX, the manager acknowledged via email that we paid the overage. 
This collections claim was added to my credit reports in XX/XX/XXXX for {$340.00}. On XX/XX/XXXX I started receiving collections letters from National Credit Systems for {$330.00}. After getting in contact with them, we sent documentation to show that these were illegitimate and unwarranted charges. The most recent letter on XX/XX/XXXX says that they adjusted the balance and reset it to {$340.00}.
Product: Credit card or prepaid card

My mother XXXX XXXX has suffered from visual impairment for the better of 5 years, and has place me as an authorized user on her discover account to manage the billing. As this is the best form of contact and being able to make payments we requested paperless billing my number XXXX was placed on the account to be contacted should there be any issue regarding the account and I have received these calls from discovery until after XX/XX/2020. I recently was notified of a past due amount was placed on my credit from my credit monitoring service and when I contacted discover about this and ask why I was not contacted I was told by a representative that we were placed on a " No contact '' list resulting in not being notified of any past due amounts. My mother asked in XX/XX/2020 that her number XXXX was not contacted and to contact the other number listed on the account, but for some reason the representative placed both numbers to not be contacted.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me.
Product: Checking or savings account

On XX/XX/2024 I had an unauthorized charge on my account in the amount of {$77.00} as the merchant charged me twice. I called my bank to file a dispute and they declined to even take the dispute. I called back two more times and I assume as part of their practice they say I will not be able to help you and have other customers that need help and will hang up now. I was not rude so to hang up on me should not have been needed. I also asked if they could provide in writing why they would refuse to even take my dispute and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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
Product: Checking or savings account

I deposited a check in to my business account with navy federal credit union on XX/XX/2023, immediately my account was restricted, I was able to call on the following business day where I was told that the check I deposited was suspected to be fraudulent or likely to be returned and after a 30 minute interrogation about the check. I was told that my business account would be permanently restricted. A week following this call I went into a branch to withdraw the funds available since I was told I would no longer be able to bank with navy federal credit union, I was turned away by the teller who called in about the release of my funds. So I called customer service and stayed on the phone an hour outside the bank. I was told by a representative over the phone who had also reached out to security team, that I should be clear to withdraw funds. I walk back into the bank and ask for the branch manager, informed her of what had taken place and I was still on the phone with the representative. The manager was asking security to leave a note on the account saying I was clear to withdraw funds. To which the security representative that was contacted replied that he was not able to notate the account. The branch representative then asked me to ask the representative over the phone to instant message her directly cutting me out of the communication. After the exchange then a note from security was place on the account stating that I could not withdraw funds. It is now XXXX and I have called several times to navy federal credit union customer service number and have been denied the right to speak to someone in security. I was told the first time that the check was still being investigated and then that changed into being told that I need to file an appeal for access to my account. I dont want access to or to back with this institution anymore but I would like right to withdraw my funds as it is starting to affect my business not having access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXX, TX XXXX and have for the past 5 years yet XXXX does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. XXXX disabled my lock and alert and won't let me reactivate it. Additionally, XXXX has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and XXXX has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. XXXX has my address listed as their XXXX arizona corporate address and again that is not my address. XXXX needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. XXXX caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with XXXX without resolution. My email XXXX is the email used to sign into the lock and alert but XXXX has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.
Product: Credit card

on XX/XX/2023 i made a reservation through XXXX  for my rental car using points and my credit car. at the counter they requested a credit card for incidentals. i gave them my citi card since the car was prepaid. attached the prepaid evidence. now XXXX is charging me again and citi is in favor of them ignoring all the evidence of the prepaid reservation.
Product: Debt collection

XXXX stated i did not turn in equipment and have a bill. But the XXXX workers came and picked up the equipment XXXX at Harris and Harris states she will be closing account this call was being recorded Harris and Harris also attempted to collect on a debt that is in accurate and stated I had to make a payment before they would dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the TransUnion, XXXX, and XXXX  they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Helvey Associates are reporting a fraud account on my credit. I didnt open this account nor did I utlize it. Someone used my personal information to open an account that eventually was transferred to Hevel Associates. I paid Helvey Associates {$100.00} with the agreement that this account will be remove from my credit. Despite the payment the account is still reporting. This account was NOT mine in the first place and thus I am requesting the removal of this account from my credit. Please see the attached FTC report and my driver license and remove this account from my credit
Product: Credit reporting or other personal consumer reports

This complaint is submitted to dispute and request the immediate correction of inaccuracies reported by the bureaus regarding three accounts that were fraudulently opened in my name due to identity theft. 

Specifically, the following accounts appear on my credit report, but I did not open or authorize them : XXXX XXXX  ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX. 

As a victim of identity theft, I formally request that these fraudulent accounts be removed from my credit report immediately. 

I request urgent attention to this matter to ensure the accuracy of my credit report and to prevent any further unauthorized activity.
Product: Credit card or prepaid card

No action was tooking by this company and also try to get in contact with a senior adviser but no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Bank account or service

The Bank of America cleared a deposited check and I drew against it. At XXXX XX/XX/XXXX they paid a transaction for {$1000.00}. At XX/XX/XXXX they paid another transaction for {$24.00}. At about XX/XX/XXXX they declined a transaction and debited my account for the amount of the check. They say that even though they cleared the check, I am responsible for the bad check amount. In other words, they want it both ways. This is the absolutely worst bank practice, that penalizes the little guy for THEIR mistake. See attached.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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
Product: Prepaid card

On XXXX XXXX, 2015 I was online trying to file for identity theft on the symmetry website which is the federal government website upon completing the identity theft application submitted it automatically took me to a PDF filler require me to pay {$4.00} I authorized it by giving them my pre-pay American express serve card when the discharge was placed on my cardit was pending for {$71.00} so I contacted American Express serve to dispute the matter they explained to me that I would have to wait to the transaction poles so I waited till I saw to Transaction the next day probably XXXX XXXX, 2015 I was informed by the individual look at the place to dispute for the transaction and that I would have to wait five to set 10 days for it to process it is now I contacted American Express serve XXXX XXXX, 2015 to inquire about my refund of the dispute I was informed that the person did not I guess did not put it in intentionally and only indicated that I wanted to dispute it I requested to have the recording pool they jumped on the route because they know they intentionally did not want the recording to be pulled to show that what I requested then I asked the young lady to submit the dispute again leaving me having to wait amount of 20 to 25 days just to get my dispute or my refund back I asked them why I could not be see my statements they could mansard said that this is such Internet website and I will have the printed this brings people that do not have printers the required to go somewhere and print it and pay someone to print my statements to be mail they can you direct me to where to find it so what I 'm doing now is I would have to go print them and pay for it because American Express sir can not mail me or direct me to have a requested in my Internet website account I asked they said the only way I 'll be able to view it is through a desktop not a mobile not napped happen that table is the only way I can access my account information accurately I will be only able to do it is through a test my right XXXX because if I do not have a desk that I should be able to use a tablet by mobile device on my laptop which stay website tonight account is not capable of handling I would like to request a investigation of American Express or XXXX XXXX contact and management to be investigated in all indivisible charged according to United States federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have been a member of American Express ( AMEX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, AMEX via letter requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with AMEX since XXXXThere was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at AMEX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the AMEX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to AMEX the Financial Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. AMEX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of AMEX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.
Product: Credit card

I have been a Citi credit card customer since XXXX. For some time, my cards were near their credit limits, and I could only make minimum payments without any reduction to my credit limits. Recently, I made additional payments on both of my Citi credit cards to lower my balances and reduce my monthly payments. However, the day after I made these extra payments, Citi significantly reduced the credit limits on both accounts, bringing my credit utilization ratio back to its previous high level. 

I received a letter from Citi stating : Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your credit limit. Given that my credit reports were not a factor, the timing of this action appears predatory. It suggests that Citi reduced my limits after I demonstrated responsible financial behavior, potentially to maintain high utilization rates and maximize interest charges. If Citi had genuine concerns about my creditworthiness, I believe the limits would have been lowered when my balances were consistently high, not immediately after I made substantial payments. 

This experience has been devastating for me. For a long time, I struggled with high balances and could only afford minimum payments. I worked hard to change that, and when I was finally able to make additional payments, I felt a sense of relieflike I was finally making progress and gaining control over my finances. For the first time in a long while, I wasnt wondering how my family and I would make it through the month. 

Unfortunately, that relief was short-lived. The very next day, Citi reduced my credit limits, wiping out the progress I had made. It felt like the rug was pulled out from under melike I was being punished for doing the right thing. Instead of being encouraged for managing my debt responsibly, I was pushed back to square one. 

This action didnt just affect my credit utilization ; it impacted my confidence and sense of financial security. The timing and nature of Citis decisions feel predatory, as though they intentionally acted to keep me in a vulnerable financial position where they could continue profiting from interest charges. After years of being a customer and working hard to improve my situation, I feel taken advantage of and deeply discouraged.
Product: Debt collection

Jefferson Capital Systems Re : Request for Permissible Purpose Proof and original Account Validation I am writing to formally request the following information and actions concerning my account with Jefferson Capital Systems : 1. Proof of Permissible Purpose It has come to my attention that Jefferson Capital Systems has reported information regarding my account to one or more consumer reporting agencies. I demand proof of permissible purpose under which this information was reported, as required by the Fair Credit Reporting Act ( FCRA ). Without my written consent, such reporting is illegal, and I ask that you immediately provide documentation that justifies your actions.

2. Last Billing Statement and Account Validation I request a copy of the last billing statement associated with this account. Additionally, please provide full validation of the account, including : A copy of the original contract or agreement bearing my signature.

Documentation that verifies the legitimacy and accuracy of the debt as claimed by Jefferson Capital Systems. 
XXXX. Fraud in De Facto and Security Agreement If any discrepancies are found in the documentation or if Jefferson Capital Systems can not provide the required proof and validation, this could constitute fraud in de facto. I also request details of any security agreement tied to this account and demand that these documents be reviewed for legal compliance.

4. Jurisdiction and Legal Compliance Please be reminded that your practices must comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as mandated by Congress. Any failure to comply with these laws, including the unlawful reporting of my information without permissible purpose, may lead to legal action under the appropriate jurisdiction.

I expect a prompt and thorough response to this letter. Please provide the requested documentation and confirmation of the actions taken. You may reach me at XXXX Thank you for your immediate attention to this issue. 

Sincerely,