23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around XX/XX/2019, I received a debt collection letter from ARS NATIONAL SERVICES INC to collect a debt on behalf of XXXX XXXX XXXX XXXX. 

The account with XXXX XXXX XXXX XXXX was opened online, in my name, fraudulently. 

I never received any card in the mail from XXXX XXXX XXXX XXXX. 
I never received any billing statements, online or by mail. 
My email address and phone number is not associated with the account. 
I never received phone calls in regards to the application or the account. 

I never received any contact prior to the fraudulent account being approved and opened in my name, to verify my identity, in order to prevent this exact gigantic issue from happening! 

This is a debt I did not personally apply for or obtain. This account was reported as fraud immediately upon discovery of the fraudulent account in my name. 

I reported the account as fraud, placed fraud alerts and credit freeze, filed an identity theft report with the FTC, opened disputes with credit report bureaus, andfiled a police report with my local police department. 

This account is fraudulent and was opened in my name FRAUDULENTLY. I'm doing everything I can to clear my name and to clear this fraudulent activity from my credit reports!
Product: Credit card

I was misled by the jewelry department during Christmas of 2024. I was told there was a special, that I would only be charged {$80.00} a month for XXXX months. Instead, I was charged the full amount thus over-extending my credit. When I got my statement and learned that I did not even have the credit limit available to purchase full price. I called Macy 's to learn that without my knowledge they increased my spending limit. 

I lost my job and knew I could not pay, so I contacted Macys to see what could be done. They closed my account with a balance listed. 

Although I have XXXX Macy 's accounts, they have locked the other one, even though there are funds available, and it is not closed. 

I do not believe I should be held responsible, when the store took it upon themselves to increase my limit without my approval. Now I am stuck with this debt.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : *Creditor/Collection Agency Name : [ Name of Creditor/Company ] ** *Account Number : [ Account Number ] ** *Amount : [ Amount ] ** *Date of Account : [ Date ] ** I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 


XXXX XXXX XXXX  Account Number : XXXX Amount : {$860.00} Date of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$580.00} Date of XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$960.00} XXXX ot Account : XX/XX/2023 XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of Account : XX/XX/2023
Product: Money transfer, virtual currency, or money service

On XXXX I used cash app to transfer an individual {$380.00} for an item I wanted from him. I had conversation with him on the social media XXXX about the item and everything. And one day I got  on XXXX to talk to him again and he blocked me and our conversations were gone. So I filled a dispute through XXXX XXXX and cash app. So filing up on these disputes XXXX XXXX said everything came back good and there were no fraudulent activity. Well there is because I never received my item. And when I try to talk to cash app they tell me to get ahold of XXXX XXXX, but when I get ahold of XXXX   XXXX they tell me to get ahold of cash app ... its a back and forth battle between the 2 companies. Ive been fighting this dispute since XXXX and nothing has been done and Im out {$380.00} because of it. I have the receipt from cash app from the transaction. Cash app has no actual person to talk to which makes this process even harder and will not respond to my emails or social media messages. Also I have a group of people that have been ripped off by this one individual and they have all got their money back, I dont understand why I havent yet. I can get you their info if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the inaccurate payment history reported for my Capital One Auto Finance account. According to my records, the account, which was opened on XX/XX/XXXX, and closed with a status of " XXXX in XXXX '' for an amount of {$11000.00}, was incorrectly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. The original loan balance was {$18000.00} with a payment term of 74 months. 

The inaccuracies reported on my credit report violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( b ) - This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information in credit reports. The incorrect late payment history does not comply with this requirement. 

XXXX XXXX. XXXX - This section mandates that when a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate and correct any inaccuracies. The incorrect late payments should be investigated and rectified. 

XXXX XXXX. XXXX ( XXXX ) - This section defines a credit account and requires accurate reporting of the account status. The erroneous late payments misrepresent the accounts payment history and thus violate this provision. 

XXXX XXXX. XXXX - This section outlines the responsibilities of furnishers of information to provide accurate information to credit reporting agencies. The late payments reported from XX/XX/XXXX to XX/XX/XXXX are inaccurate and should be corrected by the information furnisher, Capital One Auto Finance.
Product: Money transfer, virtual currency, or money service

I used my bank 's quick pay service ( By XXXX ) via my XXXX checking account to purchase football tickets this morning ( XX/XX//2019 ) that were advertised on XXXX. I transferred {$150.00} and the tickets were never delivered and communication then ceased. The phone number that was communicating with me was XXXX and stated their name was XXXX XXXX. The phone is an internet phone # that you are unable to call ... wish I would have tried that to begin with. Their email that I used to send the money was XXXX. I filed a complaint with XXXX   as well but my bank simply told me that there was nothing that they could do. This is a bank certified service allowing the transfer of funds from different institutions and there is nothing that they can do? I thought that I was protected here?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX
Product: Mortgage

My mortgage is services by Chase Bank, after it was sold to the by XXXX XXXX about XXXX months ago.. 

Approximately XXXX months ago ( while still with XXXX ), I changed my payment structure such that I would be paying every XXXX weeks rather than monthly in order to accelerate the payoff, and also added a nominal additional payment ( {$230.00} / month ) towards the principal. Doing so required an additional full month of payment to be made during the initial month, which I did willingly. 

On XX/XX/2023, with ABSOLUTELY NO CONSENT OR AUTHORIZATION FROM ME, Chase Bank arbitrarily changed my payment structure back to once per month at the standard payment amount ( no additional payment towards principle ). 

I have spoken with the Chase Bank 's Mortgage Customer Service department to get this fixed, to no avail. I was told the change was made because my personal bank account from which the payment was drafted was closed. This is PATENTLY FALSE. Not only is the personal checking account still open, Chase Bank has subsequently made auto-drafts from the EXACT SAME ACCOUNT. 

This change has already cost me money and extended my projected payoff, and has now cost me significant time as well as I've made multiple calls to correct the problem with Chase 's Customer Service. 

To get this fixed through the normal process, I would have to again pay an additional full month 's payment in advance. What happened with my mortgage payment schedule through Chase Bank is absolutely unacceptable and I suspect illegal. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXXXXXX XXXX-Transunion XXXX XXXX complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX, shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIREIS FROM MY CREDIT REPORT ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These reporting is not correct, I am receiving stall letters from the bureaus
Product: Credit reporting or other personal consumer reports

Please see the attached response letter from XXXX XXXX XXXX and remove the account from my credit report. Experian is in violation of the FCRA due to inaccurate reporting. The company has stated that the account was closed from their offices on XX/XX/2023 due to unverifiable information. XXXX and XXXX have since removed this account. I am requesting that the following account be removed within 14 days, or I will be seeking litigation against Experian. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the reported accounts, XXXX XXXX XXXX and XXXX, to be removed.
Product: Checking or savings account

I own a XXXX XXXX XXXX that has been in business for almost 30 years. I've had a business banking relationship with Chase bank for over 20 years. On XX/XX/2022, my company deposited a check from a client for {$10000.00}. On XX/XX/2022, I received an online letter from Chase stating all three of my business accounts were frozen and would close soon. I contacted customer service and spoke with an associate who was very little help so I went into my local branch. The branch Vice President told me Chase uses a landline check verification system and my client does not appear to have a landline. He asked me to contact my client to see if she has a landline. I contacted my client who tells us she does not have a landline and told us Chase withdrew the money from her account on XX/XX/2022. After no less than 2-4 hours with the branch VP making phone calls to different Chase departments, he was able to unlock my business savings account and one of my business checking accounts. He was not able to unlock the checking account in which the {$10000.00} check had been deposited but said he had escalated the matter and someone else who could help me would contact me within 3 days. The very next day on XX/XX/2022, I received another online letter from Chase stating that the account which held the {$10000.00} deposit was still restricted and would close soon. On XX/XX/2022, I finally received a phone call from the Chase escalation department and was told what I already knew ; the {$10000.00} check was not able to be verified because my client does not have a landline and the account would close soon. He also said, the {$10000.00} would remain in suspension and would not be released. He suggested that I contact my client and ask her to contact her bank to ask them to recall the funds to her account. Shortly afterward on the same day my office manager reached out to my client and asked her to contact her bank to have the funds recalled to her account. My client attempted to do this and was told by her bank that the funds had been released by them on XX/XX/2022, and could not be recalled. I am VERY disappointed with Chase Bank. This is NOT how you treat a 20-year customer that has deposited a lot of money, never had any kind of fraud incident, and never even had an overdrawn account.
Product: Checking or savings account

I was a victim of fraud while being interviewed for a job where I was given a check that had insufficient funds or something of the sort. The bank proceeded to freeze my accounts on that same day ( XX/XX/XXXX ) and called me the following day ( XX/XX/XXXX ) informing me that my accounts had been closed and that I was no longer welcome to do business with them. 

When I asked regarding the money I had in my account, they said a check would be sent to me and this was confirmed in 3 different calls where they read back and confirmed the correct address. However, today ( XX/XX/XXXX ) I called regarding an email I had received yesterday ( XX/XX/XXXX ) saying there was a change of address on my account. This was impossible since they were closed. Upon calling I was told that the check ( s ) had been sent on XX/XX/XXXX, but to the wrong address. 

Despite the mail being refused and returned to sender, the bank claims that I have to issue a subpoena to get any information such as the recording of the calls and that I would have sign and notarize an affidavit that I had not received the checks, even though they received it back and they have not been cashed. 

The amount totals around ~ {$460.00}...
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Bank account or service

TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.
Product: Mortgage

I was Force to forfeited my earnest money by the seller due to the improper handling of the FHA loan. I was forced to sign away the money unknowingly, be sued by the seller for taking to long to close The UW from Movement Mortgage took almost 125 days to close the deal and the deal ended up being lost. I lost over {$5000.00} in the process and the house put back on the market behind because they couldn't get it done in a timely manner. I started my first contract on XX/XX/2023 and it ended XX/XX/2023. during this period after 45 days the seller was being paid {$100.00} a day until closing. They were very unprofessional and they wouldn't talk to my agent. There was very poor communicators throughout this whole process. I was put through so much stress behind this situation I wound up losing my job. on XX/XX/2023. UW put me on a yo yo for weeks. Everyone had a responsibility to do their job but I was the only one that suffered a loss of substantial significance. and I need your help to investigate their practices. They switched me from a conventional loan to a FHA after I was already approved with conditions. The Lender convinced me to try a XXXX loan to help with miner repairs, and asked me to hire a GC to do the repairs but gave me every little understanding of how the procedure would work. This turned into a nightmare of epic proportions .Even my agent didn't understand what they were doing and UW refused to talk to him over the phone or by email. i Feel as though I was taken advantage of. Maybe if the process was explained correctly the outcome would have been different. My Agent, Lender, and GC where of Color, they all agreed that this process took entirely to long. and are willing to testify to the inappropriate action of UW of Movement Mortgage. 
Please Im seeking Help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Credit Collection ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account Number XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXXt- Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX-Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit card or prepaid card

I am having an issue with a credit card company : Citibank. I have had a credit card with them for many years. 

Back in XXXX of XXXX, I had a promotional zero percent interest offer which was set to expire on XX/XX/2021. If not paid in full by XX/XX/XXXX, the interest would increase from zero to 15.24 % I paid the balance in full but the payment arrived one day EARLY on XX/XX/XXXX. Instead of applying my payment of {$4800.00} to that zero percent offer, they instead allocated that payment to my 2nd promotional balance which was subject to special rate of 1.99 %. 

This allocation error caused my account to now have a balance of {$4800.00} to be charged at 15.24 % rate. 

After calling them several times on XX/XX/XXXX they finally agreed to refund my payment of {$4800.00}, send it back to me so that I could send it to them again. They told me that they would not charge me any excess interest for the lag time in days that would occur over the time it would take for them to refund my payment and for me to pay it a second time. 

I have been charged 15.24 % interest every month since XXXX. Each month I am told they will finally fix the issue but they continue to charge me excess interest each month on the entire amount {$4800.00}. Instead of applying my payment of {$4800.00} to pay off that 0 % special promo offer, they show {$4800.00} each month as a standard purchase at 15.24 % interest.
Product: Credit card or prepaid card

Wireless provider XXXX, a subsidiary of XXXX XXXX, issued a pre-paid debit card of {$200.00} for signing up and transferring my cellphone service to their network. Some where in their fine prints, there is a clause that a debit card funds will expire on the expiration date issued by their rebate processing company BlackHawk and that these funds will be forfeited if not used by the expiration date. I had my card expired last month and lost all of the {$200.00} on the debit card, that had only 6 months of validity on it which I missed.