23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.
Product: Debt collection

I have contacted Plaza Services , LLC regarding an alleged debt in their office for XXXX. I requested the following information to determine next steps : XXXX. To whom do you think I owe this debt and what amount do you claim I owe? 
a. Provide the name, address and account number for the original creditor, in addition to the amount owed. 
b. If this debt started with a different creditor, please also provide the following : i. Provide the unique Registered Account identifier ( Registry ID ) that was assigned to this account by the GDR and the IRR Report ( Initial Registration Report ) XXXX. Provide the accountlevel Chain of Title Report that shows the history of this account, referencing each previous PCN and transfer, from registration to the current sale or placement and the TOR Report ( Transfer of Ownership Registration Report ) iii. Provide the AHR Report ( Account History Report ) for this account NOTE : Any and ALL assignment ( s ) must clearly establish that my account was included in said assignment. A general assignment of accounts will not/does not satisfy this request. 

XXXX. Please provide a valid basis for the debt, such as the original contract between me and original creditor. 
a. Provide the date the debt became delinquent and the date the last payment was made. 

XXXX. Provide a copy of the last billing statement from the original creditor. 
a. If any fees or additional interest charges have been added to that statement, b. Explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

XXXX. If any payments were and/or have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

XXXX. Please confirm whether your agency has a debt collection license in XXXX? 
a. If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. 
b. If you do not have a license, please explain why. 

This agency has not provided the aforementioned information requested. Furthermore, they are not licensed in the state of XXXX to collect on this alleged collection account. This information was pulled via https XXXX XXXX XXXX also attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip XXXX
Product: Checking or savings account

In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Bank account or service

I tried to deposit {$100.00} dollars ( XXXX XXXX ) cash at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the teller receiving the deposit request my Driver License so she could swipe it to which I responded with a NO because I did not think that it was proper for the Bank to obtain my personal information which is encoded in my Drivers License, besides I was making a deposit on someone else 's account NOT my personal account. She refused to take my deposit After I said No the teller told me that the Bank was required by the Internal Revenue Service to request such information from anyone XXXX depositing cash no matter the amount to which I responded that the Internal Revenue Service requires additional information when the deposit is {$10000.00} dollars or more in cash She sent me to speak to a customer service agent which I did I received the same response Bank of America will No accept my cash deposit of {$100.00} dollars cash unless I am willing to provide them with my Drivers License so that can register my information. 

I know what the Internal Revenue Service requirements are as to cash deposits and I find it unbelievable that Bank of America is using the IRS name to collect private information If I am correct with my assertion I respectfully request that you send Bank of America a Cease and Desist letter so that they stop using the Internal Revenue Service as an excuse to collect private information.
Product: Credit card

I purchased a trial access to XXXX for {$1.00} XX/XX/XXXX using a virtual temporary credit card number issued by Capital One. This virtual temporary credit card number is linked to my Capital One credit card account. Capital One heavily advertises this service to no Customers as a highly secure way to make credit card transactions. 
Capital One states the virtual temporary card number can be locked to prevent unauthorized charges on their website. Immediately after making the {$1.00} charge to the virtual temporary number I logged into my credit card account and locked the virtual temporary credit card number so I would receive no further charges. 
I cancelled my trial XXXX membership. XX/XX/XXXX. Despite canceling, I received an email from XXXX informing me they renewed my membership and charged me {$59.00} on XX/XX/XXXX. I logged in to Capital One and it still shows my virtual, temporary credit card number is locked which should have blocked this transaction. 
Online chat was useless. I called Capital One numerous times with long holds. I was finally able to connect with someone in Capital One 's foreign call center XX/XX/XXXX who transferred me to another rep who was very rude and highly reluctant to process my dispute. I was issued dispute number XXXX but the XXXX rep collected very little information and acted like Capital One had every right to allow the unauthorized charge to my locked virtual, temporary credit card number. 

XXXX was wrong to charge me after cancelling the trial membership but Capital One erred in several significant ways that could harm all their credit card customers including : 1 ) Capital One allowed the unauthorized charge to my credit card. 
2 ) Capital One promotes their virtual, temporary credit card numbers as a safe way to prevent unauthorized charges. 
XXXX ) Capital One provided XXXX my actual credit card number without my consent so XXXX can charge me as often as they want in any amount they want.
Product: Credit card or prepaid card

paypal master card ( synchrony bank ) : I have tried to make payments to my paypal mc three times in the last 3 weeks, and although there is available cash in my checking account, paypal has rejected the payments : XX/XX/2021 {$30.00} payment rejected, XX/XX/2021 {$75.00} payment rejected, XX/XX/2021 {$49.00} payment rejected again! 

I spoke with different representatives, but, they had no answer! 

I am having a lot of issues with Synchrony Bank lately! I do not understand what is going on. I have always made all my payments on time ; I have never ever been late at any time and now this ; this should be illegal! If Synchrony Bank is rejecting my payments, now what, eventually they will report me to the credit bureaus as delinquent?
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

On XXXX XX/XX/2019 I was sent three emails from XXXX asking if I was applying for loans. I responded, NO I was not. I received a letter, dated XXXX XX/XX/2019, from Silver Cloud Financial Inc. notifying me of an unresolved balance on " my '' account. The letter did not have any amount, just an account number. I called the number on the letter ( XXXX ) and spoke with XXXX ( supervisor ) on XXXX XX/XX/2019. I gave her the account number on the letter and she said I would have to give my Social Security Number. I refused and said this account was fraudulent setup without my consent. She said I would have to email : XXXX. 
On a side note : the XXXX phone number had been calling my cell multiple times each day since XXXX XX/XX/2019. 

I emailed on XXXX XX/XX/2019. They responded back on XXXX XX/XX/2019 requesting their " Identity Theft Victim Complaint and Affidavit '' form to be completed along with sending copies of my personal identifiable information ( PII ). 
I received another letter dated XXXX XX/XX/2019 stating that 'If you do not pay the amount by the next due date your loan will be considered in default '' The letter did not have any amount or due date listed. It also stated that " unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion our office will assume this debt is valid. ''
Product: Checking or savings account

Discover card is purposely blocking my access to XXXX  by making me verify a credit card account that is closed., how the XXXX am i going to verify information that is on a XXXX card closed by discover within the same XXXX discover app.
Product: Mortgage

I signed with a company in XXXX, Ohio to fix my roof. They Signed with Greensky Trade Credit in XXXX, GA for a 12 month same as cash loan. Greensky never billed me until XX/XX/XXXX which was after my daughter and son both called on separate occasions to get a bill. They charged me two late fees of {$39.00} each for XX/XX/XXXX and XX/XX/XXXX. I never knew about a bill and was waiting on it to pay. My son spoke to their representative about the bill and why we had not received one and they waived one late fee. They never mentioned the first late fee and we were not made aware of it until after paying the loan off. My son called on XX/XX/XXXX to try to get the money refunded and spoke to XXXX who made no sense and stated their records show that bills were mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That was never told to us either until we called asking for a refund. XXXX would not authorize the refund nor would he allow my son to speak with his boss. He only said their information is public and my son was welcome to look it up. He said this is " Only {$39.00} '' but I am XXXX years old and this is just wrong. They never billed me and I believe he is lying about the billing.
Product: Credit card

Wells Fargo has continued to report derogatory information to the credit bureaus without my consent or permission. This violates my right to privacy and this violates my right to receive access to my consumer credit. Wells Fargo continues to harm me.

I now opt of out all reporting per 15 USC 6802.

Wells Fargo does not have my permission to ever harm me and my family again and shall be held accountable for its actions.
Product: Credit reporting

I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information from my credit report.
Product: Debt collection

I got a phone call from XXXX. They wanted my information to verify what debt I owed. For a utility bill. I do not owe any utilities any past debt. There have never been any bills coming to my house. If I owed debt I would have seen a bill or utility debt would be on my credit report. She wanted my personal information. I told her just to send me something in the mail they have on file. She said okay and hung up on me.
Product: Credit reporting

" This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.
Product: Checking or savings account

Dear Madams and Sirs, I have filed a complaint, Ref. No. XXXX, at your office about the cash deposit missing at The Chase in my checking account. I just got a denied claim from Chase due to the Branch I had the problem was closed that The are no longer able to review the video tape that I have requested to show my proof of my deposit at the Chase Branch XXXX. 

That is not fair for my because at the very early I had done ask the review of the video but the Manager of the Bank Branch did not do that. I knew that a problem That I sent the certified mails to The Manager of the Chase Branch XXXX and Manager of Dispute Department of Chase Bank on XX/XX/2017 to file complaints about my missing cash deposit. I got a letter from Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX that they are in the process of investigating my concerns. 
After waiting for a while, I have not seen anything helpful even stopping by the local Chase bank. I filed a complaint at your office to ask for your help. Then The Chase contacted me again and sent me a denied letter due to the Branch I had problem was closing. 

That is not my fault. I did ask them very early, XX/XX/2017 about the review of the video tape. They did not do. Now, They said they are unable to help me due to branch closing. I would like to ask for your help about this complaint. I am sending documents that support my claims and would like to ask for your review and help. 

Thank you very much for your reconsideration and help. 

Respectfully yours, XXXX XXXX XXXX. No XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.
Product: Credit reporting or other personal consumer reports

EXPERIAN/// I am writing to formally dispute inaccurate and unverifiable information on my Experian credit report, which violates the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of the following : Hard inquiries for which no credit or service was extended : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for Dispute 1. Hard Inquiries Under the FCRA ( 604 ), consumer reporting agencies are permitted to include hard inquiries only if they meet a permissible purpose. Since these inquiries did not result in the extension of credit, they lack a legitimate basis to remain on my report. The Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against Experian underscores the need for compliance in verifying the legitimacy and purpose of information furnished on consumer reports. 


Incorrect address : XXXX XXXX XXXX, XXXX, SC XXXX Basis for Dispute 3. Incorrect Address Under FCRA ( 605 ( a ) ( 5 ) ), outdated or incorrect addresses that no longer pertain to me should not remain on my report. The presence of XXXX XXXX XXXX, XXXX, SC XXXX, is erroneous and must be corrected or removed. Pursuant to the FCRA ( 609 ( a ) ( 1 ) ( A ) ), I am entitled to accurate reporting of accounts as this is
Product: Debt collection

After learning my rights as a consumer I sent a letter to the cfo and ceo of American Express explaining the rights they violated, how I dont owe any debt and how they are illegally reporting information such as late payments and utilization in my report. I told them I need to get paid $ XXXX each late payment, utilization posted and also each violation I found on the statement. A person named XXXX sent me a letter stating that I am bound to the card ember agreements to make payments and if I dont then they will be reporting my account as delinquent to the consumer reporting agencies. 15 USC 1681 states how no one cant report anything or share information without my written consent and also how transactions and experiences are excluded for a consumer report. 15USC 1666b basically explains how there is no such thing as a late payment, there isnt no such thing as a late payment because the debt is already paid for law 18 USC 8 states how The United States is accountable for all obligations. I am a living soul from God and can not and will not enter a contract with a corporation. I am not a fictional limited liability entity otherwise known as a corporation. Also in the transactions I see it states I was charged a finance charge but according to 15USC 1605 finance charge means the sum of all charges, why is American Express changing the definition of a finance charge. In the statement that came in the mail I saw a lot of violations about payments American Express thinks I have to pay, a fictitious name and address that belongs to my trust estate and not me and according to 18 USC 1342 any fictious name or address and not the proper name or address can result in 5 years in Prison and fined. Also them saying I still need to make payments and how they are going to report my account as delinquent to the consumer reporting agencies can result them in 20 years in prison and fined according to the law 18 USC 894. I am a loving soul created by god and not the state u am not an employee so there is no contract between me and American Express. American Express needs to act as the role of a trustee not benefiary. I am the beneficiary of my trust estate not American Express.