23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

You declined my check XXXX XXXX XXXX XXXX, NO valid reason given in your response. Your letter stated the factors maybe the check #, dollar amount or check writing history. Your letter had 2 years of my transactions from the store with NO problem in my history. I have been shopping at the store for over 30 years, EVER have I bounced a check. I called your customer service dept. and she couldnt tell me anything other than use your debit or credit card. Your letter stated this information is retained on file until the item is paid, 4years from the check date, or until notified by the reporting source. From my conversation with your agent I cant write a check at our grocery store because you dont like my check #, amount of check. Your letter stated No information on file on reason for outstanding items. I gave all my information, drivers license, checking account, routing and you have no valid reason for the decline. 
This complaint is also going to XXXX grocery store, and to our attorney. I want to know I can use my checking account at the store with out being humiliated in front of other customers and cashiers.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victims of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process f buying a home for my family. Please removed these fraudulent accounts from my credit report as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX XXXX XXXX late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bank of america creditcard and make the payments through their system. I set up a payment for the due date and from my XXXX XXXX checking account which they have on file and I have made the payments the same way for months. 

Today I tried to order an XXXX for myson and was declined. Turns out my bank of america credit card was declined. I tried to log in to my online account and it said I did not make a payment and was past due. I checked to the details of the account and said my payment was returned from my bank. 

Before I called Bank of America. I called and looked at my XXXX XXXX checking. Both by phone and by online I confirmed that I have an average daily balance of XXXX dollars and that bank of america never tried to debit any money frommy account. 

I called bank of america and they told me that if I had another account. I said I had a checking account that closed that they also had on file. But does not make sense I disabled that account and have always paid with the current account for well over a year. 

I got them to remove the late fee but they do not want to remove the late credit reporting. It was not my fault. It was there error. I never set up a payment with a closed account. In addition, they never notified me of what happened. How or why they tried to withdraw funds from an account I do not use is beyond me. I have made all my payments with the account they have on file ending in XXXX. 

They said they would investigate and send me a letter. What 's there to investigate. They know I made my payment with the active account. They had a system issue and they trying to ruin my credit by not acknowledging their error and fixing it. 

I want the late credit reporting removed. I made my payment on time its was there error not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX XXXX   Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX XXXX ) Balance/account paid- XXXX XXXX -XXXX XXXX/XXXX  account fraudulent account.

I reached out to XXXX, Transunion and XXXX  and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.
Product: Checking or savings account

I recently opened a new account with this bank. Within 90 days of this deposit. I needed some extra funds and my boyfriend gave me a cashiers check to deposit from his credit union. Within an hour or 2 the fraud dept. left message to call I did not see this till next day because I have roboblock. When I when to the bank she told me it would be available next day. When that didnt happen I went to the bank asked why and she said my account has been frozen and I needed to call the fraud dept. She asked me if I knew my boyfriend?? I said of course weve been together for almost XXXX. She asked me again am I sure? I didnt understand and would not answer me. I called the fraud dept. 
and if course it was a holiday weekend so I had to wait till Tuesday. When I finally got ahold of someone in fraud dept again several times asked me if I knew my boyfriend?? Then she slipped up and said they thought he wrote the check to himself. Which was their mistake because they didnt read the check correctly. Who was remitter And who it was paid to. My boyfriend is former XXXX and has XXXX XXXX. The person on the phone was not very nice when I told I needed to speak to my lawyer she added I should speak to XXXX as well. I wasnt getting my money anytime soon. That Friday I went to a branch because another phone conversation I had told me I needed a written and signed affidavit brought in with both of us. Friday our XXXX stop was his credit union just to get cash and low and behold my bank has already cashed my cashiers check. Words can not express my feelings about how Ive been treated this whole process because I can not access my account to pay my bills which to this day are still delinquent. XXXX stop was to branch when banker tried to help me and her hands were tied of everything and she had to email copies of her verification of everything being correct and not fraud to fraud dept and it would be two more weeks to verify. I have called twice yesterday with no return phone call because every department Ive spoke to said they can not release my account. And they are still verifying. All I can do is cry and Im scheduled for XXXX to have XXXX removed for second time and all I wanted to do is pay my bills in case I wasnt able to after XXXX. Today is another 2 weeks with no answers. What should I do???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively trying to delete unauthorized accounts from my report. Equafax has violated my rights and did not properly investigate unauthorized accounts. They have prematurely closed their investigation allowing XXXX account resolution # XXXX which is a medical account where Ive not even been provided my visit or service information. I have never had any dealings with this company. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. My rights which equafax is helping them to violate. XX/XX/22 Equafax inaccurately varifed XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX stating verbatim that this creditor reported accurate balances. For one XXXX XXXX XXXX is a debt collector and I dont have any accounts with them. They have 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. 

Equafax response was not acceptable nor did they provide any assistance with this issue. Stating that balances are correct doesnt mean they belong to me. There are medical accounts that I did not furnish. There are 2 credit card accounts that I did not furnish and to state that they confirmed with the creditors XXXX XXXX XXXX when they are not even a creditor is disappointing.
Product: Consumer Loan

I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is

a violation of 15 U.S Code 1681b ( a ) ( 2 ). I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Product: Money transfer, virtual currency, or money service

I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru Zelle {$1000.00} on XX/XX/2020. The cat was going to be shipped to me by plane on Friday XX/XX/2020. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with Zelle  is XXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. Zelle Reference code XXXX I have attached all emails from the scam seller and myself and pictures of the website that is still up and running and scamming other Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U XXXX DEPT OF ED/XXXX  Account XXXX XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights XXXX 

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 received a vague letter from Remex , Inc about an alleged medical debt of {$220.00} from XXXX. Not only did I not have any outstanding balances but the alleged date didnt match up with any date that I received medical treatment. The letter was vague and more focused on payment. I responded to the letter by mail disputing the debt as not mine. About two weeks later I received the letter back with a message from the XXXX saying return to sender no mail receptacle unable to forward. I had sent the letter to the address on the letter they stated to respond to and I checked again when I received the letter back and it is the correct address they provided. 
I tried searching the company and found other complaints that people also received scam letters from this company. I believe this attempt to receive payment for a made up medical debt to be a scam.
Product: Debt collection

I have tried to pay a claim that I made with my mortgage company ; however, they refuse to disclose amounts and or invoices of said debt. instead they have advised me that I have a pre-payment penalty. I am trying to clear aid debt ; however they advise me that XXXX is responsible for the administration of the partial claim yet you can not reach nor will they reach out to you. 

here is my mortgage companies contact info : NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX Virginia XXXX, VA XXXX Mailing Address : XXXX XXXX XXXX XXXX : Legal/Licensing XXXX  XXXX, VA XXXX Phone : XXXX Toll-Free Number : XXXX Fax : XXXX Website : XXXX, XXXX Email : XXXX in short I need help closing out partial claim.
Product: Debt collection

I had a dispute open with Portfolio Recovery Associates regarding a XXXX XXXX Account. I wanted to know the validity of the debt b/c I had never entered an agreement with them, and was told that I owed this amount and it was due immediately. This dispute originated in early XX/XX/XXXX Over the next several months, I sent a total of three certified letters asking in different ways to provide me statements of this account so that I can see the accuracy of the amounts. Finally after waiting several months, I received a one page letter indicating the amount owed. I still have yet to receive any statements, but did receive a letter stating my dispute was closed, and now charged off. 
In my original dispute, I also asked not to be contacted by phone. They began calling a month into the dispute. I find it to be very distracting to my work, and personal life, and I would prefer a different method of contact. Over the past month (XX/XX/XXXX ) I have received numerous phone calls from Portfolio Recovery daily. They have completely disregarded simple requests, and made it very diificult to continue working with.
Product: Prepaid card

I redeemed an Amex Giftcard with a value of {$500.00}. I made a purchase on XXXX, XXXX, XXXX, and XXXX and all were declined even though i have {$500.00} to use. I called the number on the back of the card and was not able to speak to a customer representative. All they had was automatic response that did not help resolve my issues.
Product: Credit card or prepaid card

On XX/XX/2019, I was charged twice for an auto loan payment. The merchant, ( XXXX ) refunded and canceled the payment back onto the prepaid card that day. Upon further waiting on the refund, I called XX/XX/2019 and the prepaid card company ( Card.com ) informed me that I would need to wait 3-7 business days for the funds to be applied back to the card. I was also informed if I wanted the funds sooner, I would need to do A Merchant Hold Letter basically stating a reason why they need to manually override the pending transaction. I had asked to put them on hold and do a 3-way call so my auto loan representative ( XXXX ) can get the proper information to faxing what they needed. It was faxed on XX/XX/2019 approximately at XXXX XXXX. I also submitted a email receipt from the auto loan stating the cancellation of the payment and refundable amount to the card. It is now going into XX/XX/2019. I had called again that XXXX and spoke to a representative ( Card.com ) about the refund. I had asked if they received the faxed from my auto loan people and I was informed that once faxed, it would 24 to 48 hrs to do a verification and if approved, they would override and release the funds. I had called back again same day to see about the fax and approval to getting the funds released. I was informed that I would now have to wait an additional 30-90 days for the investigation to be completed. I had asked why does it need to be investigated when I all the documents where accurately sent. I was told that it was a disputing transaction or refund would be applied back to the card no later than XX/XX/2019. I told the representative ( Card.com ) that was not accurate information that I was told in the beginning. The representative ( Card.com ) continuously repeated him/herself and wasnt trying to resolve my case based on what was said at first. I was placed on hold for hours at a time, I was disrespected, they hung up on me and rudely interrupted me while explaining my concerns about the refund. I am now seeking other means to regaining the funds thru this complaint.
Product: Debt collection

Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX  and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).