23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First off I have repetitively told them to not call me since not only was at & t trying to collect a debt when I got laid off due to the pandemic and the company I work for shedding off debt this debt collection agency sunrise capital services has been continuously harassing me during the point of the executive order that prevents debt collectors from collecting debts at this time. Also at some point I was told by an agent they would report my debt to negatively affect my score and hurt me really bad to the point I may not be able to recover.
Product: Debt collection

Midland funding is contacting me for a debt of {$6500.00}. I did explain to them that deb is not mine and is the result of an identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were compromised in a recent data breach. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items permanently removed. 
Please delete the following accounts from my credit report : Accounts to Be Blocked and Deleted : 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 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 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: Payday loan, title loan, or personal loan

This is a letter to request Back Dated Reversal of Fees + Interest and Dispute of Accuracy on the Credit Report. 

I notified Citibank of change of mailing address in XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Custom Credit Line statements have been continuously mailed to incorrect address, generating late payment fees and interest generated to amount of $ XXXX, as well as a determination of reducing my credit line. 

All product accounts are consolidated on Citibank.com under the XXXX XXXX online profile : XXXX XXXX account ending in # XXXX XXXX XXXX account ending in # XXXX Citi Rewards credit card ending in # XXXX Credit line : Checking Plus Line of Credit # XXXX Brokerage IRA : XXXX There is no consolidation of XXXX XXXX XXXX ending in XXXX, there is no way to see online statements if the account is paperless. 

On XX/XX/XXXX @ XXXX, I paid a balance {$1600.00} this balance was an unknown error caused by XXXX  XXXX XXXX Autopay for a mortgage payment. 
ID # XXXX Request was made to reverse the late fees and interest during the timeline of mis-mailed statements. So far only XX/XX/XXXX and XX/XX/XXXX were waived despite repeated attempts to call in a request for approval. Confirmation # XXXX Please reverse these determinations and fees on my account immediately. I am a long time XXXX customer and have a track record.
Product: Debt or credit management

Midland Credit management company, a debt collector threatened me and my family over the phone due to a debt they wanted to collect. On XX/XX/2024 @ XXXX XXXX  I spoke to a representative named XXXX who threatened to call the police on me to have me arrested if I did not comply with the payment that they needed then proceeded to say they had already a lawyer to sue me and take my family home away. Under the FDCPA, this person violated the law in engaging in abusive practices to collect a debt. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with an account and inquiries I did not authorize, Please update my personal information and delete the others
Product: Credit card

Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Product: Mortgage

The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.
Product: Debt collection

I have been contacted by phone numerous times by someone purportedly from " Langberger, Dougan, Blair, and Simpson '' law firm for the collection of some " debt '' that I supposedly owe and for which they are about to sue me if I don't return their call and discuss it with them. I did call them BUT before they could discuss it with me they wanted all kinds of personal information from me ( to be able to identify me in their account records even though I gave them their reference # XXXX ) which I refused to do BUT did tell them not to call again or I would report them. They hung up. Several days later, they called again. Their phone number is XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital One does not link to my XXXX XXXX. 
I spoke numerous times with them and they are the only company/bank that does not link to personal capital. 

Today I spoke to XXXX, employee ID XXXX who would not let me speak to his supervisor ( XXXX ) about this issue. 

I am including an article ( from 2018 ) about this issue. 

CapitalOne just simply does not care XXXX XXXX XXXX
Product: Checking or savings account

On XXXX of XX/XX/XXXX I opened an account ( joint account ) and when i tried to add my husband to the account thru the link which the bank provided, the security system of the bank could not verify my husbands phone number to his identity, which is impossible because he has this phone number since XXXX under his name without any changes and all other security systems are recognizing him. I tried to contact the bank multiple times, on XXXX, on XXXX, on XXXX of XXXX but unfortunately they told me they not going to help me, which is putting me in a hardship position
Product: Credit card or prepaid card

I attempted to apply for the Wells Fargo XXXX XXXX XXXX XXXX card on XX/XX/XXXX over the phone with a Wells Fargo employee. I was subsequently denied this card owing to various standard credit issues. 

On XX/XX/XXXX, I again attempted to apply for the same card over the phone with a Wells Fargo agent. The application was submitted and I was subsequently asked to provide a copy of my social security number to Wells Fargo. The letter I received from Wells Fargo stated, " In order to approve your application '' a copy of my social would need to be provided. I then proceeded to comply with this request.

On XX/XX/XXXX, I learned that Wells Fargo had denied my application because I was not a US permanent resident. When I asked the Reconsideration Line agent if any thing could be done to progress the application, I was told it was Wells Fargo policy to not approve unsecured loan applications from non US permanent residents. 

At no time did Wells Fargo make me aware of this restriction prior to either of my applications. After the first application was rejected, I took the steps to improve my credit position as suggested by Wells Fargo, and in good faith, applied to the bank again. 

In my opinion, I should never have been allowed to submit either application as I was ineligible for the product based on the information subsequently provided to me by the Wells Fargo agent. I have been an checking account holder with Wells Fargo for over four years now while I complete my XXXX on XXXX XXXX XXXX status. During that time, I have received unsolicited invitations to apply for Wells Fargo unsecured loan products, including credit cards, and I have had Wells Fargo credit cards advertised to me directly in the online banking interface. I took these as a good faith signal that I could apply to Wells Fargo for credit card products. 

Now, I'm left with two Hard Inquiries on my credit report, resulting in an unfair deterioration of my credit score, for a product that I had no chance of being approved for and that I would have not pursued had I have known at the time of applying that I was not eligible for the product.
Product: Checking or savings account

I filed disputed XXXX on XX/XX/XXXX after receiving a text from capital one asking if I attempted charge at XXXX for XXXX I replied NO. and call capital one right then. Informed them I had made no recent transactions and after their text I looked and my card was gone. 
I provided all information and answered questions. On XX/XX/XXXX I received emails saying dispute was denied. I called and asked why they were denied when it was them that alarmed me to the issue. Customer service rep could not answer me. Said they could send report. I said- please send it. On XX/XX/XXXX I called back and disputed other charges that were part of the XX/XX/XXXX dispute. And 2 days later those were all approved. But not the first ones. XXXX total! I still have not received any information or funds credits back that someone stole them capital one stole again!
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXX XXXX withdrew {$500.00} from my acct related to the Check n Go payday loan. I believe that I was scammed because the {$500.00} has not been applied to my payday loan.
Product: Vehicle loan or lease

Westlake Financial is a creditor that gives pre-qualifications through XXXX. You can get a pre-qualified offer that can be submitted to various dealerships and is supposed to closely match what you would be approved for. I submitted information for a prequalification on XX/XX/XXXX, but instead of just getting a pre-qualification, my XXXX  credit report was pulled. XXXX and Westlake financial assure potential consumers that credit will not be affected. My score dropped 21 points as a result of this pull.
Product: Credit card or prepaid card

I've try for the last two years to resolve this account with Comenity Capital Bank and they incorrectly put my account in collections. I went through a financial hardship and try my best to work a payment arrangement with them. Now my account is with XXXX XXXX and XXXX XXXX XXXX. I've called XXXX XXXX XXXX to settle my account and I was hung up on several times. They have the worst customer service. I do not know what else to do. This account is on my credit report as a collections account but XXXX XXXX and XXXX XXXX XXXX are not collection agencies. I want this issue resolved.
Product: Checking or savings account

One of my XXXX old daughter friend somehow got some personal info about her debit card. And 2 weeks later, he deposited a fake check for {$10000.00} IRS tax refund with my daughter 's name in my daughters account ; and the bank allowed them to withdraw the {$10000.00} within 2 weeks. I called the bank and told them it was wrong for them to allow such transactions to go through and not seeing it was a fake check. how could a XXXX old girl who was XXXX when the fund was dated, with no job, received a {$10000.00} tax refund from the IRS XXXX It was their job to block the check and notify me of the fraudulent transactions. The bank gave me {$4500.00} and refused to give me the rest. 
They had kept my daughter account opened with a negative balance of {$5500.00}. A couple of weeks later, I had accidentally transferred money online to that that negative account because my daughter custodial acct is 1-digit different form my checking acct #. I called them the next day to report it was a mistake. I called over 5 times and explained. They refused to return the money and kept it. I contacted friend who has financial knowledge and helped to mail and email them a complaint to the CEO and other top officers. Several people had called following the complaint. But it was a waste of time. They made no promise of any kind to give me back the money. 
The bank is BANK OF AMERICA. I have a checking, saving account with them, including direct deposit from my job as well a a custodial account for my XXXX daughter. I have been a good standard customer with them for about 14 years
Product: Debt collection

There was a Collection on my Credit Report LVNV FUNDING LLC, account was opened XX/XX/2017 ( XXXX yrs, XXXX mos ). A credit repair team CRR, have helped to contact LVNV but we have not heard back from them. I would like LVNV FUNDING LLC to contact me so this issue can be resolved so is no longer showing on my credit report. 

Thank you
Product: Credit card or prepaid card

XXXX weeks ago ( XXXX XXXX, 2022 ) I applied for a gold credit card offered by my credit union. I was approved and the account can be viewed online through my credit union. After one email and three direct calls to credit union I was told there is a plastic shortage in the USA and they can not give a date for me to receive my credit card. I believe it is a lie. I have called my three other LARGE financial institutions ( one credit union and two LARGE banks ) and they told me there are NO plastic or chip card issues and they do issue the actual credit cards. 
I asked what are alternative ways I can access my line of credit and they said there is no way to access it. So I countered and said that it could be next year that I get my credit card and was told possibly, yes. 
I want this matter looked into and have the truth be told. If I do not get the card I will close my account due to bait and switch practices.
Product: Credit card or prepaid card

I called Netspend on XX/XX/2019 because I received an email about an address change on my account I then called Netspend to found out my account was closed by Risk Management stating too many disputes. So I asked about the disputes.I advised Netspend my last dispute was in XX/XX/2019 they stated there was a dispute filed on XX/XX/XXXX and XXXX via online. When I stated that I have not been able to access my online account since XX/XX/XXXX they stated my account is already closed and there is nothing they can do but send refund check which will take 10 business days to receive. I have XXXX children and my XXXX year old son is XXXX and his SSI was just deposited into the account and due to this error I am unable to purchase his medicine which reduces his traumatic episodes. Netspend has taken away the only funds I have and are making me wait 10 business days to receive a refund check for an issue I did not cause. I requested them to review my account to see every time I have made a dispute it has been valid and I call the moment it happens or as soon as the charge posts to my account. The disputes reported on XX/XX/XXXX and XXXX were charges from XXXX and XXXX. I have already told Netspend I did not create those disputes and I did verify those charges are indeed mine. I raised the question to Netspend why would I wait so long and I have never waited to report a dispute and how was my address changed without my authorization. No answers, only the same robotic response they will send refund check in 10 business days but unfortunately XXXX doesn't wait amd my son needs his medicine NOW. I was promised a callback by higher management 2 times today after having to hold for an hour plus each time to speak with a supervisor and no one has called or reached out to me in any form. We can not wait for my son 's medicine and if anything happens to him because of this Netspend error I am going to explore all avenues of legal actions to take this company down.
Product: Debt collection

My information was shared with out my permission or signature over a debt that was not mines. I asked them to please cease and desist all calls and contact with me immediately, and they continue to harass me.
Product: Credit card or prepaid card

The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX # XXXX
Product: Debt collection

Chase credit card company would not accept a payment from me because it was XXXX hours late. They then doubled the monthly amount on me which I could not afford. I am on XXXX. They even charged me late fees after I closed the account. This is very unfair and predatory treatment. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  i requested 1099c for charge-off accounts with no response they have a reporting balance on them that's shouldn't be reporting if there is a charge off i attached the letters for the company
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 XXXXXX/XX/XXXX