23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I am submitting this complaint because a collection company ( JH Portfolio Debt Equities ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with XXXX XXXX, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the XXXX XXXX on several occasions and have asked the XXXX XXXX to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the XXXX XXXX that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The XXXX XXXX has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in XXXX hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. XXXX of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the XXXX XXXX, have a significant negative impact on my physical and mental health. I therefore urge the XXXX to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by JH Portfolio Debt Equities. I also request guidance from XXXX on how I can file a counterclaim for the harm caused by this Collection Company.
Product: Debt collection

I am writing to dispute the fraudulent account with Bank of America I am a victim of identity theft and I never opened this fraudulent account with BANK OF AMERICA Credit Card with account number XXXX opened on XX/XX/2019 and a balance of {$3600.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP
Product: Credit reporting or other personal consumer reports

I received a new credit report from XXXX on XX/XX/year> and it containns somwone else 's information on Confirmation number XXXX : It has reason code 7, 43, 8, and 85. Thuis information is not mine and has not been removed by XXXX. I do not have delinquent accounts or derogatory accounts ; i dont lack sufficient credit on bankcard or revolving accounts ; I dont have too few loans with recent delinquencies and I domnt have too many inquiries on my credit report. I attempted to give the police report number to Discover and had to argue to have them take the police report number for identity theft. the identity theft police report is XXXX they keep taking my XXXX XXXX XXXX XXXX  XXXX Ga XXXX off of my account.I believe they are continuing to mix me up with XXXX XXXX from Florida XXXX
Product: Mortgage

I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies and inconsistencies present in the reporting of the XXXX XXXX account ( # XXXX ) on my credit report. Upon careful review of my credit file, I have identified several XXXX XXXX compliance violations that require immediate rectification. 
Identified XXXX XXXX Noncompliance Violations : XXXX. Incomplete Data Reporting : o Experian has omitted critical data fields such as balance, account status, payment frequency, and other required information. These omissions are in direct violation of the XXXX XXXX format and 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 
XXXX. Inconsistent Reporting Across Bureaus : o XXXX reports the account status as " Negative, '' while XXXX reports it as " Positive. '' Experian has failed to provide any status. This inconsistency is a violation of the FCRA and XXXX XXXX standards for uniformity in credit reporting. 
XXXX. Incorrect Account Status : o XXXX reports a balance of {$2200.00}, which is missing from Experian. This discrepancy fails to reflect accurate information and violates 15 U.S.C.

1681e ( b ). 
XXXX. Missing Payment Status : o Experian has not provided any payment status, creating an incomplete and misleading representation of the account. 
XXXX. Omission of " Date of Last Activity '' and " Date Reported '' : o Experian has failed to include these crucial dates, violating XXXX XXXX guidelines and impacting the proper aging of the account for statute limitations. 
XXXX. Non-Uniform Creditor Comments : o XXXX includes the comment " Credit card, Amount in H/C column is credit limit, '' which is absent in Experian and XXXX. This lack of uniformity misrepresents the account details and violates XXXX XXXX standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX are reporting two negative accounts one from XXXX XXXX  and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by accelerated financial and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never  take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an public record/judgement containing an eviction reporting for me for The XXXX XXXX XXXXXXXX XXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Product: Credit card

On XX/XX/year>, I reached out to Citi in regard to my XXXX XXXX credit card. I paid off the card in full and closed the account. I received verbal and email confirmation that the account was paid in full and closed. They did not tell me that the account would continue to be charged. They told me to toss my card and that I could remove my app. 
They have since continued to charge interest on the card and now have added late fees. I did not realize this for a few months, and reached out to try to resolve with them. They have been unable to tell me why they continued to charge interest on a closed account. I asked for it to be waived and was denied. I then attempted to compromise that I would pay the interest if they would waive the late fees and guarantee they would not continue to charge the card/account. They denied that as well.
Product: Credit card or prepaid card

Tickets purchased XX/XX/XXXX for concert with a performance date of XX/XX/XXXX in the amount of {$350.00}. The concert was canceled due to covid with a possible reschedule date of XX/XX/XXXX. Initial contact with Citibank to file dispute was XX/XX/XXXX. Dispute was submitted that day. Citibank contacted merchant on my behalf and responded on XX/XX/XXXX with the merchant refusal to refund. I submitted further information via email to Citibank XX/XX/XXXX to further pursue a refund. I also contacted the merchant, XXXX per Citibanks request on XX/XX/XXXX. I also attempted to call to use the merchants online chat services and phone. All attempts to communicate with XXXX were ignored. All information was sent again to Citibank on XX/XX/XXXX. Citibank again contacted the merchant and the dispute was closed on XX/XX/XXXX with the denial on refund from merchant.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the XXXX XXXX XXXX. I have sent the XXXX code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

15 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and XXXX is saying the info is valid.
Product: Checking or savings account

First of all, I was notified that the Califor nia Tax Board had an  order to collect {$140.00} for registration fees. I was planning to catch up on those fees at the end of the month.       I started  XXXX  with a balance of {$49.00} the bank withdrew {$49.00} and left me with   XXXX   on  XXXX   XXXX .   I then had a service charge of {$25.00} for negative balance, ( which they caused )  XXXX   XXXX  they charged me with an overdraft fee of {$35.00} I then had an auto payment of {$19.00} I then had an auto payment of {$2.00} I was left with a negative balance of {$57.00} I believe that there was no court order for the amount of {$49.00} therefore Bank of America 's actions were in error.
Product: Debt collection

I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in 2017 for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report :
Product: Prepaid card

I have called Amex gift card services numerous times regarding all of the declined transactions. I have tried to use the card at XXXX, XXXX, XXXX, XXXX and also in person at a hair salon- all have been declined. I called customer service and all they say is that all these are blocked merchants. They said to use the card in person. However, it doesn't work anywhere. I asked them to send me a new card and they said it can't be done unless I get declined. OK ... It's declined EVERWHERE, so why is Amex holding these funds? They are scamming people and blocking major retailers, therefore making the card useless. DO NOT PURCHASE AMERICAN EXPRESS GIFT CARDS. AMEX BLOCKS EVERY TRANSACTION AND THEY KEEP THESE FUNDS. HOW IS THIS LEGAL?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau the beginning of   XX/XX/2016    . I have disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.
Product: Checking or savings account

Citibank checking account. XXXX fee disclosures stated a XXXX $ monthly maintenance fee will not be charge if XXXX ) maintenance a balance of {$1500.00} or XXXX ) have XXXX monthly deposit. 

I opened my account to receive monthly social security benefits as I am retiring. I will not receive my first paymen until XX/XX/2023. I maintained my account balance at XXXX for the first month but on the XXXX month I was hit with the fee. 

I called them and they said my account balance dropped to XXXX 

But this decrease was due to them improperly charging me the fee. I should had never been charged this fee. I asked for a reason why it happened and they were not able to response and did not know why it happened. I am retiring soon and keeping a close eye on my account as every XXXX matters. 

If this is happening to me. Other seniors would be affected and not realize. This is completely unethical and improper to do to anyone especially when I'm a senior citizen and indicated that I'm opening the account to recieve social security benefits. 

It made me feel that they're were trying to take advantage and see if they could get away from it.
Product: Credit card

Long story short I ordered a camera for XXXX that I did not receive. To my dismay I received a box with a blue weight thingy and XXXX wax strip. I contacted XXXX immediately and with the assistance of my younger sister ( a whole minor ) we submitted proof photos of the wrong items with a note of my name, account email and date as XXXX requested. XXXX themselves validated the photos I sent confirming I didnt receive my camera ( I attached all screenshots of the conversation to prove this on my dispute file with NFCU ). XXXX then stated they wanted me to either deliver the wrong package where it belongs or pay XXXX to deliver it which is absolutely ridiculous for several reasons : 1 ) I dont work for XXXX 2 ) they already stole over {$800.00} from me they refuse to returning or ship a replacement why would I be stupid enough to pay XXXX  XXXX That and I already paid for my own item shipping Im not paying for someone elses 3 ) I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant go anywhere even if I wanted to! 
I submitted all of my thorough documentation regarding this incident including my medical paperwork showing my physical limitations XXXX XXXX XXXX. I spoke with the rudest supervisor from Navy Federal this evening who told me find someone to do it for you. Were in a rural state my mother never had a license she came to this country at an older age and my little sister isnt even old enough to have a license! I offered XXXX to send someone to pick up the wrong items they delivered to my home to which they refused ( I submitted this proof as well ). I never in my two years with Navy Federal had to file a dispute for any transactions, but I do know now Ill never make any major purchases with this card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You
Product: Credit card

On XX/XX/2022, there was a transaction made from my account with an amount of {$1900.00} and I did not recognize that transaction. I told my credit card company and gave them all the documents they requested and still, I was told that the dispute was not resolved in my favor. I feel that the investigation was not conducted properly. Then I made a payment of the same amount but it was not reflecting on my account. So I contacted the company and they sent me an email saying that they were able to locate it but they never posted it on my account. I have not only been charged with the amount but also charged twice because my payment was never reflected on my account even though the company was able to locate it. This whole thing has impacted my credit score badly and the company is not listening to me.
Product: Credit card or prepaid card

Bank of America Claims department XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Case # XXXX additional documentation requested. Certified mail On XX/XX/XXXX, I visited the XXXX XXXX XXXX to suture an accidental skin laceration on my 55lbs. black Labrador retriever mix. Left over night. 
Charge for services : XXXX On XX/XX/XXXX, I returned to the hospital to remove the sutures. Staff had recommended to return for suture removal after approximately 10 days. This was obviously too early and unsound advice. Unfortunately XXXX XXXX ripped the skin back open during the suture removal attempt. Re-suture again. 
Left over night. 
Charge for services again : {$230.00} I believe the second charge of {$230.00} on XX/XX/XXXX should be refunded, due to the fact that it was too early and the laceration did not have enough time to heal properly. 
Also removing sutures should not be a courtesy, as stated by XXXX XXXX, after paying nearly {$500.00} for services. 

On XX/XX/XXXX, I returned the hospital again to remove the sutures. XXXX XXXX declined and recommended to wait and return in 4 weeks again just to be sure it had healed properly. 

On XX/XX/XXXX, I returned the hospital again, as requested, to remove the sutures again. This time XXXX XXXX refused to remove his sutures. He claims not to recall his return request, after 4 weeks. He recommended to remove the sutures myself or to just leave the sutures in. Claiming it is too risky for him, due to the inelastic skin of my dog. 

I believe, this is unacceptable professional business behavior by XXXX XXXX XXXX and should not be encouraged. 
These are the reasons, I have requested the charge of {$230.00} for the 2nd unnecessary service charge to be back charged to my Bank of America credit card. 
I also filed a complaint with the Colorado state veterinary board and I am prepared to take this matter to the small claims court, if the back charge should be declined. 
Thank you for your help and understanding. 


XXXX XXXX XXXX XXXX Included : 2 invoices, injury photos, BofA cc charge confirmation