23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I went through the drive threw at the Comerica banking center location at XXXX XXXX XXXX XXXX Texas to pay a overdraft amount of XXXX dollars, the lobby was closed so I went to the drive threw the teller declined to take my payment said I have to come inside the lobby to complete the transaction the branch manager is XXXX XXXX ( XXXX ) XXXX, so I was instructed to wait until the next business day so I did.the following day I went to the Comerica banking center location XXXX XXXX in XXXX XXXX texas XXXX XXXX is a personal banker at this location she took my payment of XXXX dollars and my account had a XXXX balance I kept getting overdraft fees because Ms XXXX did not comply with company protocol to XXXX debit my account out which left with XXXX dollars of overdraft fees I told that I bank with XXXX now and that effective XX/XX/2019 that no more deposits will be in this account effective XX/XX/2019 .I spoke with call center rep his name was XXXX did not give last name or all of the overdraft items.i spoke today XX/XX/2019 with XXXX XXXX at the XXXX XXXX location she told me that Ms XXXX was supposed to do a debit close out she did not close my account which it stayed active for an additional 60 days after it was supposed to be closed it was finally closed XX/XX/2019 they are going to report me to the credit for overdraft fees they the wanted me, this banking has some deceptive and toxic banking practices I would like a full of this matter and I would like this matter to be considered for arbitration Mrs XXXX XXXX is responsible for this situation.
Product: Debt collection

On XX/XX/2019, I submitted complaint number XXXX to the CFPB. In the last 6 months, I've sent 2 letters ( certified mail ) to Receivables Performance asking for debt validation for a debt they're claiming that I owe. This account is NOT mine, and I requested validation twice. They have not sent me ANYTHING back. The debt collector replied to complaint number XXXX and in their reply, Receivables Performance said this - " RPMs business records indicate a prior validation request as well as the documents being received from XXXX. It is unclear if the documents were sent to the consumer ''. They admitted they don't know if they actually ever sent anything to me. This is a violation of the Fair Debt Collection Practices Act and they need to remove the account from my credit reports immediately. They said in their reply that they would cease further attempts to collect on the debt, but they are continuing to report this erroneous account on my credit reports. This account is NOT mine and the debt collector NEVER sent me anything when asked to validate the account, and they admit they have no proof they ever sent me anything. I demand that they remove this account from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Someone named XXXX XXXX sent herself some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}. CHASE ALSO REFUSED TO DISPUTE THE TRANSACTION. Theyve stated that it was authorized and completed but it was not authorized!!! I don't even know the person that the money was sent to!! Both Chase and XXXX XXXX have no absolutely no help in helping me retrieve my money!!!
Product: Debt collection

I was recently applying to purchase a home through the XXXX  XXXX XXXX XXXX  XXXX. When I filled out the application and went for approval I was told there were some things I needed to clear up before the purchase. One, in particular, was from a rental property I used to stay at a couple of years ago. XXXX XXXX well since they were increasing rent I decided I was going to move. So, I told the landlord that once my lease is up I will no longer be staying here and I will NOT be signing another lease. When the month came and my lease was up I moved. There is no way I broke my lease nor was I evicted or abandoned my place of residence. I had a verbal agreement that I would not sign another lease and I would be moving. Now not only did XXXX XXXX charge me a whole year 's worth of rent ( {$12000.00} ) or ( {$12000.00} ) or $ ( XXXX ) that reporting to the XXXX XXXX that was sold to Hunter Warfield debt collection company as a collection of bad debt and they have in turn ruined my credit score by placing this erroneous debt that I do not legally owe on my consumer report. I'm a natural person and I have never entered into any written or verbal agreement with Hunter Warfield allowing them to charge me a debt or place any information on my consumer report. Can you assist with this matter? as me and my family would like to be able to purchase our 1st home this year.
Product: Credit card

I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.
Product: Credit card or prepaid card

Citibank closed all my accounts without notice. I had over {$2300.00} in cash back on my Double Cash card at time of closing. Phone rep told me there is nothing I can do. Rep stated that I lose my cash and points because of the closure. It seems wrong that the bank would close my account and take back my cash back balance. I am seeking {$2700.00} for this account which includes activity that would have posted to my cash back.

Double Cash Balance as of XX/XX/20 XXXX XXXX Activity Purchases XXXX Payments XXXX Pending payments XXXX
Product: Debt collection

I rented an apartment from XXXX XXXX XXXX in XXXX XXXX owned by the XXXX XXXX XXXX back in XXXX. Originally, I did a one year least beginning XXXX of XXXX. In XXXX of XXXX, I renewed my lease as a month to month lease with the total lease term ending XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the rental office to verify my rental history so I can move out of a property ( a that was poorly managed and maintained ). The company did not comply with my request until XX/XX/XXXX. At that point, XXXX knew of my intent to move and not renew my lease. One week later, XXXX auto-renewed my lease. I disputed the renewal and proceeded with the process to move. I still paid XXXX and XXXX rent payments as agreed. 

I was issued a document with a balance of {$1200.00} for early termination of my lease. When I asked for a detailed breakdown of this balance, one was not provided. When I did the walkthrough with the property manager, the property was clean, and the only damage was from a maintenance request that was never completed. The property manager assured me that I was not responsible for it. I even paid a company to professionally steam cleaned and restored the carpets. 

I asked the property manager to escalate this matter to her superiors with XXXX. She assured me on three different occasions that someone would contact me. I have yet to hear from anyone, and as a result, a collection for {$1200.00} is on my credit report. 

Not only do I not owe the {$1200.00}, but I also never received my {$500.00} security deposit that I paid when I moved in. 

I am a XXXX XXXX XXXX. This matter has dropped my credit score by 89 points and has killed my ability to acquire SBA financing to keep my business afloat during this national pandemic. The folly of this matter may cost some of my staff their jobs if I can not get this matter resolved and removed.
Product: Mortgage

Last year, around XXXX we contacted towne mortgage in regards to a drastic payment increase. The payment was {$1000.00}, and increased to {$1800.00} with no warning or notice until this bill. We were informed the reason for the drastic increase was an increase in Insurance payments on XX/XX/2018 ( payment increased to {$4800.00} from {$1300.00} ) and we were NOT notified of this until we received the new notice for billing in XXXX. Upon them telling us this, we asked for options to help as we could not afford the current payment as it was more than one paycheck and we would be late every month cause this amount was not available to us. We were told to shop and change insurances which we did, finding a much cheaper plan at XXXX. We were told to get the refund from the old insurance and pay the new premium, which we did. We called and informed towne mortgage of this, and was told the payment would be adjusted when the account was reviewed upon receiving new insurance information. and the amount we had been behind in escrow paid off. It is now XXXX and I have contacted you'll again and nothing has changed. I was informed today however the reason it didn't change sooner as that we never sent in anything showing we paid insurance. HOWEVER you'll already have the new insurance information on file on your website, including when its due and how much!. My escrow however was NEVER adjusted to reflect this change. This has caused an undue hardship on our family, due to a constant struggle to afford the mortgage, and repeatedly receiving late fees as I do not make enough to make the payment in one pay period. I have spoken with you'll on a few occasions through the year, and was never informed this should have been fixed or how to. If my escrow account had been corrected when this was all discovered, not only would the stress of the situation have been resolved, but the late fees would have been avoided. We have accrued and paid you'll ( Towne Mortgage ) 100 's in late fees due to this error not being corrected to the escrow amount. we are demanding this be fixed immediately, adjusting the monthly escrow payment, and also expect a refund for the late fees due to this, as we made it aware to you'll multiple times over the past year we were unable to afford this amount, and NEVER was this corrected or told to us how to correct the issue. Currently our escrow is scheduled to be overfunded by the end of the year with the current payments, and with the expected new payment due to the amount already overpaid. We would like this refunded ASAP also.
Product: Payday loan, title loan, or personal loan

I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.
Product: Credit reporting

I submitted a written request ( attached ) requesting unauthorized Inquiries be removed from my credit file from Equifax on XXXX/XXXX/16 ( see attached letter ). They refused to remove the Inquiries. See their written refusal letter ( attached ). I do not recall authorizing these Inquiries. I also called twice and spoke with representatives of Equifax, they also refused my request to have the unauthorized Inquiries removed. Thank you.
Product: Checking or savings account

I reported that my card was lost or stolen to the bank. After I received new card, I encountered new charges. Also I was given provisional credit and was charged back {$110.00}. As a result of all of this I was charged {$160.00} in overdraft fees. I reported this to the company but nothing was done and neither I was contacted by the company.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been XXXX by the federal Government XXXX XXXX ) 2 years ago. due to my permanent XXXX they have XXXX my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was XXXX XXXX XXXX. I explained to them that the loans were XXXX and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
Product: Credit card

On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name XXXX 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 a account without my written instructions
Product: Debt collection

I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.
Product: Debt collection

I have spoken with the servicer. Select portfolio servicing told me they will refund the {$250000.00} the stole from yesterday within 72 business hours. THIS IS NOT GOOD ENOUGH. I WANT THEM TO WIRE THE MONEY TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX EQUIFAX : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 XXXX doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( Equifax XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed TransUnion of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from TransUnion stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears TransUnion responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, TransUnion recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

2. I sent a letter dated XX/XX/XXXX and addressed it to XXXX to the following address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed XXXX of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit card or prepaid card

This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.
Product: Payday loan, title loan, or personal loan

My identity has been used .. multiple cash loans have been taken out. Sky trail will not work with me and wants to money out of my account. Which my account has been changed due to identity theft. Someone has taken over my phone, my accounts, has called my credit cards and gotten advance.