23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX in XX/XX/XXXX and my deductible was XXXX and my total out of pocket was XXXX. When I checked into the hospital I owed exactly XXXX. We charged the remainder of my total out of pocket to our credit card and I had no more out of pocket expenses for XX/XX/XXXX. I then received a bill for XXXX from the in-network surgeon. I explained to them that any money due to them was paid by my insurance company. 
I have reported this to the collection agency and it is still being reported on my credit report.
Product: Debt collection

I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. 
PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. 
I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. 
I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. 

They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. 

I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.
Product: Checking or savings account

I signed up for the {$700.00} Citi bank promotion - which required me to fund my account when I created the account, I didnt recieve my debit card and pin which are required to create an online account to access account number/fund my account. I called them after 2 weeks and they said they were waiting on more information, but did not send me any emails indicating what information was required. I emailed and faxed the additional information required but did not get any emails showcasing that the documents were recieved. 

Then, I got the email inidicating the futher information required and I submitted the information on the same day. THIS WAS ALREADY MORE THAN 30 DAYS LATER. 

I got the debit card 5 days later and I funded the account the very same day. I called the agent and they said I would still qualify for the bonus as the delay in creating the account was on Citi 's side. However, I did not recieve the bonus. I have called 8 times and keep getting transfered to different agents. No one has resolved this issue and they keep punting the complaint by asking me to call in 30 days. 

This is pure fraud and they are taking advantage of the customer. I know of 3 other people that faced the same issue because citi delayed their account creation.
Product: Checking or savings account

my chase student checking account was closed. I just opened it 2 weeks ago. my bank card never came in the mail so i had been using the apple pay card from the app. i made a few zelle payments because i didnt have access to a physical card. 
on XX/XX/XXXX, i got 3 notifications. the first was that my number was removed from my account, then my number was removed from my zelle connected to the account, then they said they need more information about my account so i needed to call them. this was all around XXXXXXXX XXXX. I called at XXXX am, they said the account had already been closed and they can not tell me why. they didnt offer to help me resolve it, like the messages said, or ask for any new information. 
yesterday, my account said the {$100.00} would be coming on XX/XX/XXXX because i completed the requirements, and im not sure i they will give it to me if my account is closed.
Product: Credit reporting or other personal consumer reports

As you can see the furnished is hurting my profile with late payments and negative items but doesnt show monthly payment doesnt show high balance or even term which is a violation of the FCRA. Its listed as a debt but a debt can only come from a loan or liability and I have neither to this credit group of child support enforcement its obvious this company is a for profit group in which I have no contract or paperwork connecting them with me. They have no payment status and no data listed for the month of XXXX up until now, at this point the lack of following the FDCPA practice and Transunion following the FCRA shows a complete disregard for its consumer and I demand the item be removed for clear violation of the FCRA XXXX is showing late payments for XXXX and its hurting my score tremendously but I have a letter from XXXX stating they removed the account please update immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I ran my credit report via Experian due to a surprise credit decline recently. While reviewing the information, I noticed two mistakes : first, a variation is incorrect ( this is NOT an AKA of mine ) XXXX XXXX XXXX. Second, I am not associated with any SSN ending in XXXX. Clearly these are data processing errors and someone keyed in incorrect information. I would like these associations to me corrected. I tried via the Experian webpage to correct three items that I found, and I could not add these two to the dispute cart. Instead, Experian asked me to call XXXX but there was no option to add this to the dispute cart.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to formally lodge a complaint against an individual named XXXX XXXX his ID card number : XXXX XXXX XXXX Partner XXXX XXXX XXXX who has committed fraud by pretending to be a wholesaler in XXXX XXXX but he did fraud by sending counterfeit products to my XXXX XXXX  and now my XXXX account has been suspended and my funds has been hold. 

I was approached by this person, who claimed to have legitimate products to sell on XXXX. Trusting his representation, I paid him {$500.00}. Unfortunately, upon receiving the items, When I attempted to sell these items on XXXX, I received a complaint from the legitimate brand owner, which forced me to halt sales. As a result, I am left with inventory sitting in the XXXX XXXX, which I can not sell. 
Despite numerous attempts to contact this individual, who is based in XXXX, he has refused to take back the counterfeit items or return my money. Furthermore, he has blocked me on XXXX, preventing any further communication. Now my XXXX XXXX  account has been suspended and my funds has been on hold. I requested them to send me invoice and brand letter but they did not respond so I believe they are selling counterfeit. 

I believe these two individual is running a scam operation together with his partner who is receiving money through his bank and selling fake products to multiple victims. I urge the Authority to investigate this matter and take appropriate action. I request that you help facilitate the return of my money or the removal of the counterfeit products from my inventory. 
Thank you for your attention to this serious matter. I look forward to your prompt response. I send money to XXXX XXXX XXXX Transferwise account number : XXXX Routing Number : XXXX his bank account email : XXXX XXXX  tracking ID : XXXX They send goods via XXXX to my XXXXXXXX XXXX XXXX You can trace their location from XXXX tracking. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Vehicle loan or lease

The company has harassed me throughout the past several months. At one point one agent has told me, you need to grow up and learn how to pay your bills. Ive been threatened to remove my items out of my vehicle at work so someone could repossess it. Ive been bullied and harassed in the phone. Ive asked several times to call during their business hours when I am not at work and have provided them with my work schedule. They refuse and constantly call me at work even though Ive explained I will lose my job. I have refused managers, when I ask to speak to a supervisor with a new excuse every time. Ive been hung up on and mistreated every time.
Product: Checking or savings account

XXXX XXXX has not deposited my pay check. It was supposed to be deposited Wednesday and it is now Friday and still nothing.
Product: Credit card or prepaid card

I woke up this morning to my wife asking me if I applied for credit with Bank of America and which I replied no and I immediately contacted XXXX to report as fraud and my next step is to contact Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX Balance : {$770.00} XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.
Product: Credit card or prepaid card

I have been using capital one for more than 15 years. They currently froze my account. They said I needed to send them a copy of my drivers license, Social Security card, and proof of residency. So many scams out there I'm not real comfortable sending a picture of my Social Security card. Do I have to do that? Can they asked me to do that?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had fraudulent activity happen with my Bank of America account I was awarded XXXX $ for the fraud and they took the money back on XX/XX/2021. I have written a Rebuttal letter presenting my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by TransUnion, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with TransUnion, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX
Product: Mortgage

I been struggling for over a year now with this company that keeps making billing errors, ignoring my certified letters and refuse to communicate with me properly on paper! 
See all the letters submitted attached. 

They are showing reversal of payments on statements then reapply while I never received no reversals ( I questioned their accounting methods many times ), they received a draft payment on XX/XX/2023 Before the due date and never applied it ( proof of usps reception ) yet sending me collection letters for their incompetency. 

Letters of disputes sent : XXXX XXXX - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY I put them on notice for over 3 months now that if I didn't received updated statement and an answer I would start filling a claim to CFPB and initiate Arbitration claim. 

I follow the law, the regulations and they keep violating my rights, commit billing errors and questionable methods of accounting, still no proof of contract and no valuable consideration to start with! I am really frustrated of the time wasted doing all this dispute letters to prove my good faith and good standing.
Product: Debt collection

I was called by XXXX, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to Ace Cash Express. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering illness and unemployment! I have no money to give and am considering bankruptcy!
Product: Payday loan

I have been getting bank withdrawals from Northern Plains Funding, that I did not authorize. I contacted this organization trying to just settle whatever debt there was and the have been getting the run around all week and avoiding closing this account. I found online that this company is associated with illegal lending and identity theft and are hiding behind a XXXX. I have reported the identity theft and am stopping payment t through my bank, although I would rather just settle this issue so I do n't get any judgements, leins, or negative reporting on my credit report.
Product: Credit card or prepaid card

Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account on my consumer report ( XXXX XXXX XXXX XXXX. I have filed a identity theft report with the FTC reporting this theft of my identity being compromised. I have also requested for Experian and XXXX to provide me with proof that I owe this debt by providing me with the original contact and neither party has provided me with that proof. Per FCRA laws they have to provide to me any proof of this debt that they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had an Auto loan with XXXX XXXX XXXX. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX  payments made on time are not reflected on my Trans Union Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on XXXX
Product: Student loan

A student loan was taken out via XXXX is XX/XX/2009. Payments were continually made on this account and we eventually stopped receiving any and all information on this account. A year or so later we began receiving constant and nearly threatening phone calls from a company called NAVIENT, which neither myself nor my cosigner had ever heard of. They were telling me ( including XXXX years of repayment ) that {$4.00} XXXX more than what was initally taken out in loan was due back to them. They would not give ANY information on the loan or how it got this way, just stated it had a XXXX interest rate now ( initially 5 % ). I began paying {$310.00} a month for the last XXXX years, which I can barely afford and now my account is still {$3000.00} more than initial loan amount. Whenever I call for information, they transfer to non answering line which disconnects or hang up on you right away. They offer NO repayment options. Right now it shows me estimated to pay another {$23.00} XXXX til payoff, on top of the $ XXXX that has already been paid on an original {$13.00} XXXX loan. WHAT KIND OF SCAM IS THIS COMPANY AND HOW DO I GET HELP????
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit report. 

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Product: Credit reporting or other personal consumer reports

I had freezes in place at all XXXX bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
XXXX : File frozen due to federal legislation XXXX : Report frozen-consumer requested security freeze on his/her credit file-report unavailable Transunion : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all three bureaus. I keep being told that my files are unfrozen and they can't find any issues. XXXX did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.