23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX in XXXX Colorado failed to bill the correct insurance company, When I checked in for the XXXX, I was clear not to bill XXXX because the VA sent me to get this XXXX, so it is 100 % covered. This error on their behalf caused them to get a payment of {$780.00} verses the full amount. I then contacted them on numerous occasions with the information on who to bill along with the authorization number for the case file. But they failed to do correctly so instead sent me to collections. So this continuous lack of attention with billing correctly has me with a debt collection. I provided the information that XXXX XXXX provided each time I called, I called both the VA and XXXX XXXX  and was under the impression this was paid since I gave them the information they needed. My VA XXXX XXXX point of contact tried to contact them to assist in payment of this bill as well. They can only wait on the line a limited time, so both times they were denied the ability to wait on the line. At some point I am starting to feel some discrimination against me because they aren't billing the VA for the full amount and choosing to want payment from me personally. Sending for debt collection is a clear indicator they aren't interested in billing it correctly for payment.
Product: Mortgage

I have had an account with Newrez for over 2 years. I paid each month via auto debit from my account. In the past two month NewRez keeps on saying my bank account doesn't exist so then they can charge me late fees etc.
Product: Debt collection

On XX/XX/year> I sent a request and creditor never responded to my request in timely manor.
Product: Money transfer, virtual currency, or money service

PayPal has requested that I provide certain confidential information to them in order for me to close my account, including my social security number. I refuse to do so. I've told them, just close the account. They will not. They have access to my credit card information which is concerning to me. I should be able to close my account. I owe them nothing and they owe me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Equifax.

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report.

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the credit reporting act XXXX XXXX XXXX ( Account # XXXX ) has 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 Also states a consumer reporting agency can not furnish a account without my written instuctions.
Product: Mortgage

My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With XXXX effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX XXXX. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX XXXX credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. 

It is now the end of XXXX, XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate XXXX so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service.
Product: Debt collection

There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I applied to a checking and savings account from Bank of America. Recently, I was informed that I had reached a limit to account-to-account transfers. I also was informed of fees associated for such limits. However, I was NOT informed of any limits or fees when I applied to Bank of America. I was not told of relevant information to make an informed decision based on my financial security. I applied to Bank of America with initial trust that they would take care of my money and be honest and upfront with their procedures and policies. I was deceived by them withholding information and not being upfront about their fees until after the fact.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX, at approximately XXXX XXXX XXXXXXXX, I called the CitiBank Macy 's XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for Citibank Macy 's XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. Citibabank/Macy 's XXXX XXXX and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I contacted Speedy Cash in person to withdraw any consent to have payments automatically deducted for a Title Loan. I was told that action was taken to stop automatic deductions. This was done at the Speedy Cash location at XXXX and XXXX in XXXX, KS. On or about XX/XX/XXXX, I contacted Speedy Cash to ask for an extension of payment on my Title Loan.  The request was granted and given a date of XX/XX/XXXX. Today, on XX/XX/XXXX, I went to Speedy Cash at XXXX and XXXX to pay off my Payday Loan and Title Loan. I was told that Speedy Cash attempted to withdraw funds from my bank account, without my permission, and that they had put a block on my debit card and I could not pay. These people are already taking advantage of the poor in America. Why are they still allowed to operate under such unscrupulous activities?
Product: Credit reporting or other personal consumer reports

I need access to my credit report from XXXX, XXXX and experian. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.
Product: Debt collection

Dear XXXX XXXX XXXX ; Comenity Bank / CCB ; Atty XXXX XXXX XXXX ; This is fraudulent and not mine account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8300.00}, preferred lease Account # XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX & XXXX, XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$710.00}, XXXXXXXX XXXX XXXX  Account # XXXX bal. {$600.00} XXXX Inquiries : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently disputed information on all three consumer agencies experian and Equifax continue to furnish improper and fraudulent trades while XXXX has taken the proper steps and as of XX/XX/scrub>XXXX have deleted these accounts and all derogatory information associated with the accounts. I asked the Equifax and XXXX follow suit based on FCRA if information is deemed incomplete, improper or fraudulent and one of the consumer agencies has deleted information the other consumer agencies shall do such and block these accounts from any future reporting on my customer account.
Product: Checking or savings account

I opened a Santander checking account under a bank promotion on XX/XX/2022. The promotion stated that I would get {$400.00} for having direct deposits totaling {$6000.00} or more within the first 90 days and an additional {$200.00} for maintaining an average daily balance of {$6500.00} or more for the first 90 days of account opening. 

I opened the account in branch and told the representative that I had previously had an account with Santander so I wasn't sure if I qualified for the promotion. The representative told me that because I had an account last year and this was a new year it was ok and I qualified for the promotion. 

Towards the end of the 90 days on XX/XX/XXXX, I called Santander to confirm I was on track for the bonus and they confirmed I had met the direct deposit requirements so far and as long as I kept the funds in through the 90 days ( XXXX ) I could expect it in the first week of XXXX. 

I did not receive the bonus last week and so I called Santander again today and they said I did not qualify for the promotion because eligibility was not based on calendar year as the bank representative had initially told me, but rather on a rolling 12 month period. I was very upset and told them about both of my prior conversations, but they said they could not honor the bonus because I had owned an account within 11 months and not 12 and that I had been misinformed when opening the account. 

When I tried to escalate this with the representative, they said they were having technical difficulties and I would have to call back to speak with a supervisor. I tried calling back but the representative had no notes on the file and wanted me to explain everything all over again. 

I am very upset to have been misled to deposit a significant amount of money with Santander for an extended period of time with the expectation that I would receive a promotional bonus, but when it came time to pay they changed their story. This is not a one-off case of one employee being misinformed or " new '' as the last customer service agent suggested because 2 people at the bank on separate occasions said I was good to get the bonus. If I had been properly informed by either representative I would have never kept my money there, redirected my work direct deposit there, etc.
Product: Credit card or prepaid card

I am writing to complain about my Citi XXXX XXXX  card. After receiving the card inXX/XX/XXXX, I activated the card this summer and was using the card until Citi abruptly froze my account. When I called to check on why the account was frozen, I initially could not get a straight answer. It was only after several attempts that I finally learned that Citi froze my account in order to conduct a background check to make sure I am the appropriate card holder. The account was frozen in early XX/XX/XXXX.

At the time, I was on travel for work, so I tried to address the verification issues by phone, but was informed that Citi only verifies by mail. While this was inconvenient, I did go ahead and send in the form Citi sent over. I learned today that Citi still requires another paper form submission that I am yet to receive in the mail. Once again, I am set to travel for work and do not have an active Citi card.

This process and the customer service at Citi have been terrible. More problematic, though, is that they do not conduct these various checks before a card is issued. What happens if someone is using someone else 's card. It appears from my experience that Citi allows use and only later conducts a verification. This is a troubling practice that should be investigated.

For now, I am once again without a card. I wish I hadn't closed another account in order to open this account since Citi 's service has been subpar.
Product: Checking or savings account

on the XXXX of XX/XX/2021 i attempted to open a high yield savings account with viobank.com. I again tried on 3 consecutive days. called the XXXX number they said try a different browser. I have tried 3 different browsers XXXX XXXX XXXX, and XXXX  no luck. If I had been successful and later could not access my account what good would it have done if I could not have gotten back to the account. The question must be what browser accesses your bank and can I be confident I can always access my account? it is very frustrating not to be told exactly what browser to use when asked why i can not open an account.
Product: Checking or savings account

I logged in my XXXX XXXX to down load the XXXX XXXX. I was given a code to put in XXXX Then I was directed to call XXXX and find out why I cant log in to the XXXX XXXX XXXX XXXX. That is the first picture. 

Then the guy on the phone said that my XXXX account was compromised that there was {$6000.00} charged to my account. He listed a bunch of states that my account was in. He then had me download the cash app, rainbow app, rockitcoin and XXXX. And XXXX app too. He had me use my XXXX and downloaded all the apps. He watched the XXXX screen when I put in my bank card numbers and then my passwords and email. I started to get suspicious when he was pushing me to go fast. My husband told me to hang up and I did. He continued to text me. XXXX pictures. There were names he had me send money too. He said they were the people who purchased on my XXXX aXXXX XXXX XXXX and XXXX XXXX. The bank is refunded me all my money except the {$2500.00} that was sent by the scammer that hijack my computer and sent money through the XXXX app. I have made several requests for the bank to refund my money but they are refusing. 
I filed a police report and had to change out all internet equipment because my IP address was compromised. I have the police report but I am unable to get to it because I am out of town for the next week.
Product: Credit card

I am writing to file a complaint regarding an erroneous credit reporting issue that has led to undue reductions in my credit limits with American Express, necessitating intervention. 

On XX/XX/XXXX, I opened a XXXX XXXX. Subsequently, on XX/XX/XXXX, American Express notified me of a delinquency report from XXXX stating that my account was over 90 days past due. This report was factually inaccurate as the XXXX account had not been in existence for 90 days, making such a delinquency impossible. It is noteworthy that this erroneous delinquency report from XXXX has already been removed from my credit report thanks to the consumer financial protection bureau. 

Following this incorrect report, American Express reduced my credit limits. This action seems to have initiated a chain reaction due to a feedback loop in their system, affecting multiple credit cards I hold with them. I addressed this issue with American Express on XX/XX/XXXX, seeking a resolution. However, I was prevented by American Express from filing an appeal. The reason provided for the reduction in my credit limits was the initial, now-corrected, delinquency report from XXXX.