23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved money.
Product: Bank account or service

I went to a Wells Fargo branch to deposit a check into my father 's account that was issued under his name. It arrived by mail to his old house in XXXX house, and he moved to another city couple years ago. So I wanted to deposit it myself instead of mailing it to him. I I went to a small brach inside a grocery store, located near my university. I asked a banker if that would be ok to deposit that check if I know account number and was told that it 's absolutely not a problem. I was helped by a branch manager, because other tellers were busy. She took a check, did all the required steps and scanned the check through the machine. And only when recipept got printed she notified me that because of the upcoming holidays all funds except a XXXX dollars will be available in 7 business days, but because of the holidays it somehow ended being 13 calendar days. I was astonished to hear that. I asked to revert the transaction, because that was too long and did not sound reasonable. ( A banker at another branch was later able to deposit it, so it cleared on the last day before the holidays in only two days. ) When the banker completed cancelation she told me that she would not give me check back, because it was issued under my fathers name, even though I just brought it in 5 minutes ago. My father had to leave work and drive over XXXX miles from another city to pick up the check, because manager claimed that she will shred the check if he does n't pick it up by the end of the business day. And we did not want to to go through a hassle of requesting to reissue check. 
Manager of that branch did not have any regards for the situation she created and failed to notify me of important deposit information before deposit was made. When I asked her which rule does not allow her to return it to me, she said that there is a rule and she can show it. However, when I asked to show she started looking for something and after couple minutes of unsecusseful attempts to locate the set of rules, she said that even if she finds it she would not show it to me, because of another rule. On the question whether someone can make exception to that rule, branch manager said that she can, but would not. When I asked why did you say that, she refrained from answer. I also offered to get my father on the phone to verify his SSN and ID number and authorize me to pick up the check. Service manger XXXX provide not a single argument other then " I ca n't do it '' I have been a client of Wells Fargo for 5 years, have a depot, credit and business cards, maintain reasonable daily balance and did not have a single bounced check or similar problem. 
Check amount {$25000.00} Date of attempt to deposit XX/XX/2017 First {$200.00} available immediately. 
The rest on XX/XX/2017 Average checking account balance {$3000.00} With linked business account and investment Service manger 's name : XXXX Branch : XXXX, CA XXXX United States
Product: Credit reporting or other personal consumer reports

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to XXXX, XXXX, and Experian, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case.

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Product: Credit reporting or other personal consumer reports

I mailed EXPERIAN a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To update the damages to my credit, no matter not asking for credit, the free credit report from Trans Union provided by XXXX Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXX de XXXX XXXX XXXX. also known as XXXX. 
I want to thank XXXX Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to XXXX, now that there is a Lawsuit filed on my part. 
This is not to complain against XXXX, but to show to Trans Union, that if ask XXXX for a simple credit card limit increase, this fraud authorized by XXXX XXXX XXXX XXXX XXXX will make any XXXX Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is XXXX with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX XXXX XXXX owned since new, even Toyotas require repairs no matter this is the original factory installed alternator that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as self employed at XXXX XXXX, an XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

Equifax is reporting negative items on my credit report without my handwriting consent collections account
Product: Debt collection

Submitting proof of residency for fraudulent accounts FCO XXXX XXXX to be reviewed and removed from XXXX and XXXX.
Product: Debt collection

You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened
Product: Consumer Loan

XX/XX/2017, I voluntarily surrender my XXXX XXXX XXXX to Summit Financial Corporation. Now, Summit Financial Corporation is stating on my credit report that I filed Bankruptcy. I did not file bankruptcy on this vehicle or this company. The information that they are reporting is fraudulent information. I want them to remove this fraudulent information from my credit report and come get this vehicle that I voluntarily surrender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to XXXX, XXXX, and Experian and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Product: Debt collection

I received a letter stating I owe I past due amount of XXXX dos and over XXXX XXXX dollars in late charges. The letter said if we don't dispute the amount in writing, according to state law, we would owe the amount, and a phone call to correct would not resolve the issue. 

My husband received a phone cal todayl saying that we had not paid the month of XXXX nor XXXX. He opened his bank app and told them we had. They said they could not find the payment, so you owe the money, and they are going to tack on late fees on top of that. They keep calling me but I don't pick up because I KNOW I paid, and they are just harassing me. What if I believed their claims and paid another payment? They are harassing us for no reason.
Product: Credit reporting or other personal consumer reports

Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Resident Verify XX/XX/XXXX
Product: Credit card or prepaid card

Received two letters dated XX/XX/2020 for two credit card accounts from " CHASE Card Services '' and " CHASE Cardmember Services ''. Subject : " Update : You have only used some of the available credit on your Freedom account '' The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account, we saw you spent far below your available credit limit in the last 12 months. Because or your limited usage, we're lowering your limit to {$13000.00} 30 days from the date of this letter. '' The credit limit as of XX/XX/2020 is {$26000.00}. This action would reduce my available credit to less than half the current amount. 
Subject : " Update : You have only used some of the available credit on your CHASE SLATE account ''. The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account we saw that your payments are low compared to your balance, and you spent far below your available credit limit. As a result, we're lowering your limit to {$7200.00} 30 days fro the date of this letter. '' The credit limit as of XX/XX/2020 is {$14000.00}. This action would reduce my available credit to less than half the current amount. 
These actions would destroy my credit score which is currently at a range of XXXX ( XXXX  ) to XXXX ( XXXX  ) as of XX/XX/2020. This action would have a negative effect on all of my credit accounts and my credit score. 
Chase Bank set these credit limits, not me. I am being penalized for being a responsible customer. This is not fair, and should be illegal under the " Equal Credit Opportunity Act ''. I have 3 credit cards with Chase, one of which I requested. The other two accounts were with other banks which Chase bought and issued their credit cards. I have been a loyal and responsible customer of Chase for many years and this action is despicable. I would close these accounts but that would only do more harm to my credit score. I am being discriminated against for being a responsible credit customer. Chase has become a loan sharking company, if they can not collect late payment and sky high interest they destroy our credit rating. 
Please make the multi-billion dollar corporations subject to the law. American consumers are powerless to protect our hard earned credit worthiness under this system.
Product: Credit card

I am writing to formally lodge a complaint against CitiBank for the handling of my account following a compromise on XX/XX/2024. Despite numerous attempts to resolve the issue, the response from customer service representatives ( CSRs ) was inadequate. My request for an expedited replacement card or a virtual account number to cover expenses for an ongoing trip was met with no assistance. Furthermore, I encountered repeated difficulties accessing Citi 's account services, either due to system outages or misinformation provided by CSRs. 

Additionally, there is confusion regarding the issuance of a replacement card to my wife, which was neither requested nor necessary, as her card was not compromised. This incident raises concerns about the bank 's internal communication and procedures for handling fraud disputes. 

As a customer, my expectations include a functional website, well-trained CSRs who can provide knowledgeable and compassionate service, and accurate information that aligns with what is presented online. The lack of these basic services has not only caused inconvenience but also a lack of trust in CitiBank 's ability to safeguard my account and provide reliable customer support.
Product: Mortgage

Complaint : XXXX Date : XX/XX/XXXX Result : " After reviewing your loss mitigation application, it was determined the loan is not eligible for a modification because the post modification payment would be greater than your existing payment '' However, I now, find out that Shellpoint/Newrez without notice to me extended a trial payment plan of an unknown amount ( believe about $ XXXX ) as told over the phone with a Shellpoint/Newrez representative on XX/XX/XXXX. 

I tried for 1.5 years prior to XX/XX/XXXX to get a trial payment plan, and they refused. However, now they state they sent me notice, and notified me via email/certified mail that after being denied for over 1+ year they extended me a payment plan of $ XXXX and to begin in XX/XX/XXXX, with 2 payments in XX/XX/XXXX, and XX/XX/XXXX? 

I never received this, they never allowed any payments online, they refused to provide this info over the phone for the past few months, they rejected my attempts ( over 75 attempts ) over the past 1.5 year to get a trial payment only to say they offered one to me and I did not receive it? 

Now, they set a forclosure sale date of XX/XX/XXXX. 

Had I received this - I would of gladly taken this offer, and made eaach payment on the first of the month. 

I attached prior complaint. I also attached printout showing my correct mailing address po box XXXX, XXXX XXXX, MD XXXX on their own portal. I received no mail. I received no online notification, I was blocked from making payment. I have been praying for this opportunity only for them to claim they sent it all of a sudden after 1.5 years of praying and begging them for it - for them to say I received it and did not accept is ludicrous.
Product: Checking or savings account

Early Warning Services is reporting inaccurate information due to the OPM Breach in XX/XX/2015. I have submitted the documentation to the agency. XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now, I am receiving notices that are inappropriate transactions on my paypal account. This has happened three times. I have been contacted by customer service and have asked them to close the account. I tried to use Paypal as a nonmember and they harvested my address data without permission and attached it to my old account. I badly want my account shut down. There is no current credit card attached to this account. I think Paypal might harvest my credit card data without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 INSTRUCTION. 15 U.S.C 1681c.

( a ) ( 5 ) SECTION STATES : NO COSUMER REPORTINT AGENCY MAY MAKE ANY OF THE FOLLING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATIOM, OTHER THAN RECORD OF COVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN 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 HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Money transfer, virtual currency, or money service

I did a transaction on XXXX of XXXX XXXX XXXX, on the same day itself due to exchange value increased, i cancelled this transaction to do another transaction. 
1st transaction, ( cancelled by me ) but the funds deducted from my account, when i called the remitly, they said funds are safe with them it take XXXX days to process. Today on XX/XX/XXXX when i again called them, they said they never received the funds from my account. 
They are so confusing and frustrating, please help
Product: Student loan

I have been a XXXX  with XXXX XXXX XXXX XXXX to XXXX were I receive federal loans, as well as I was a student with XXXX  XXXX XXXX. 

Doing both durations I was getting arresting calls for XXXX  trying to make payments I had payments that would miss applied I really see the late charges they didn't offer any other thing any other programs and I would like to be considered part of the class action lawsuit.
Product: Checking or savings account

The day XX/XX/23 I deposited {$3400.00} into the Third Fifth Third Bank ATM machine located at XXXX XXXX XXXX branch in XXXX, Fl at XXXX XXXX. When I first entered the money ( XXXX bills of {$100.00} denomination and XXXX bills of {$20.00} denomination ), the ATM returned {$300.00} in {$100.00} bills. When I entered the {$300.00}, the ATM received the bills and opened the operation. At my surprise, the ATM did not register the whole operation, this is the {$3300.00} but {$3000.00}. Immediately, I talked to the personal banker XXXX XXXX who helped me to create the dispute case # XXXX. On XX/XX/23 the personal banker and the branch manager told me that they had not found any problem with the balance of the ATM and that the money would not be returned, being this the reason why I decided to call the Dispute area of the bank to claim the money deposited at the ATM. A few days later, the bank deposited the {$300.00} and I dedided to send an email to XXXX to thnak for her initial help. 

Surprinsingly, on XX/XX/23 I received a letter from Fifth Third Bank Headquarters regarding the transaction dispute. In this letter the bank informed me that the dispute was solved against me and in the same date, that is XX/XX/23, the temporary credit was reversed. I dont agree with this situation because it is clear the ATM did not deposit me the money I intended. I consider this must and should be proved through the different security cameras of the branch. I respectfully ask you to overview this dispute and look throughthissituation. 

Today my checking account is overdratf in {$150.00}
Product: Vehicle loan or lease

They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.