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

Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This agency is in violation of 15 US 1692b. The agency has contacted me multiple times and is now harassing me via phone calls and email. The agency received a letter in writing via US certified mail on XXXX XXXX to cease all further communication and collection attempt on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with Equifax -- ( 1 ) Unable to lift credit freeze on my account ; ( 2 ) Unable to access my online account at <myEquifax.com> : My credit account is frozen because of a major identity theft problem in the past. However, I needed to temporarily lift the freeze so that XXXX XXXX could run a credit check. I tried initially to do this online but the Equifax website would not accept my user name and password ( which have been recorded on a spreadsheet and have never changed ). After going through a much more tedious phone process, I was given a 10-digit confirmation number and told that my account would be open after 1 hour. However, when the merchant queried my account ( after 1 hour and again after about 20 hours ), they were still unable to complete their inquiry because ( according to their rep. ) the account had been locked. Because it was the weekend, I had to wait 2 days before going through the process again today ( XX/XX/20 ). This morning I reached another phone rep. ( to whom I again provided detailed personal information ). The rep. " verified '' my information and said he was able to unlock my credit information ( confirmation no. XXXX ) but needed to transfer me to another rep. who would assist with unlocking my account. However, the connection was lost during the transfer and I had to call back ( and wait on hold ) again to reach someone who could assist with online account access. I gave that rep the identical identifying information that had just been " verified '' by the prior rep but was told by the online support rep that it couldn't be accepted. I repeatedly offered to provide whatever additional identifying information necessary to restore access to my online Equifax account but was told that wasn't possible and that I needed to send copies of my drivers license and social security card to Equifax. I then requested transfer to a supervisor and, after additional waiting, was connected with XXXX ( ID # XXXX ) who only parroted back the same information. I then requested transfer to a manager and, after additional waiting, was connected with XXXX ( ID # XXXX ) who queried my record, said she was able to access the necessary identifying and account access information that would enable her to restore my online account access. However, after another long phone hold, XXXX came back on the line to tell me that my blocked online account access was actually due to a " technical problem '' that had to be escalated to the Tech Support department. She generated an escalation request ( Case no. XXXX ) and told me that I would receive an email from the tech support department within 48 hours which would include an explanation for the problem and detailed instruction regarding how to reset regain access to my Equifax online account
Product: Debt collection

In late XX/XX/XXXX i disconnected by XXXX XXXX  cable service because I was moving. I called XXXX  and asked how to return the equipment. They told me do leave it with the doorman and they would pick it up. However they never attempted to do so according to building record so I followed up several times telling them they had yet to pick it up. On XX/XX/XXXX I called XXXX   because they had charged an auto pay of {$470.00}. The person i spoke to said that was for the equipment but since they failed to pick it up after i follows the instructions they gave the billing was an error and they reversed the charge. I never though of this again until XX/XX/XXXX when a collections agency send me a notice for {$470.00} from XXXX. I called XXXX to inquire. I was given a totally new story that despite what I was told in XXXX it was now my fault they failed to follow through and pick up the equipment. Two employees XXXX # XXXX and XXXX XXXX told me different and misleading stories and said the only way to get the collection notice off my record was the pay the {$470.00} I had previously been told was an error and only exists because XXXX failed to perform the task it said it would and pick up the equipment. While I could easily pay this I realize some people couldnt so Im standing up to XXXX   misleading actions and credit threats in and effort to extort money from me that I dont owe them.
Product: Debt collection

I'm not liable for the debt with XXXX XXXX XXXX  I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, first tech Federal credit Union also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open into my name and when contacted the merchant they told me i am responsible for the account without no proof of the account being mine. They also reported it on my report which is tremendously impacting my score. I need them to remove it if they have no proof that the debt belongs to me.
Product: Mortgage

I recently as of XX/XX/year> completed XXXX XXXXXXXX bankruptcy with the courts in XXXX SC. All arrears and current monthly payments were made through the trustees office. A notice was sent to all creditors prior to case closing to respond if any outstanding balances remained. The courts did not receive a response from the mortgage company or any other creditors. The XXXX XXXX bankruptcy case was then closed by the judge. I have maintained contact with my lawyer and the mortgage company. The mortgage company is now saying that my pmts are 3 months behind and will not give me any reason as to why. I have copies of all pmts make through the courts and of pmts I have made as well. They would not send me monthly mortgage statements throughout the bankruptcy and only began to receive statements as of XXXX weeks ago. I have tried to get to the bottom of this as well as having my attorney contact their attorneys. NO ONE will tell me what all these fees are for and I refuse to pay any late or any other extra fees other that the monthly pmt due. My lender is Lakeview Loan managed by XXXX. They say I anm currently behind by over {$8000.00}
Product: Checking or savings account

On XX/XX/2022, I, XXXX XXXX, placed an " Offer '' through XXXX I did not make this Offer with the understanding that once an Offer was submitted, this transaction would become binding. Further, I did not authorize such Offer being charged on my account. These Terms are unconscionable and are not stated anywhere clearly and conspicuously on the Seller 's website. I immediately notified the Seller, where my account was then suspended and all information was locked. I put my Credit Card company on notice immediately after this exchange.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXXXXXX 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 card

They charge me 2000 % of what they pay me on my savings.
Product: Credit reporting or other personal consumer reports

I have been a Victim of XXXX XXXX / identity theft please block and remove this information from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I sent money via western union to a relative in XXXX from a local XXXX store in XXXX and the recipient never received the transfer. After many calls and complaints it has been determined by western union the transfer was completed and delivered t o the recipient. However i learned while on a call that someone fraudulently stole the recipients identity and received the transfer. Now Western Union having this evidence will to refund my money. Western Union requested i file a police report, when i went to the XXXX precinct today they told me they could not file a report since the crime did not happen in New York, but rather in XXXX. 

I NEED HELP, XXXX XXXX DOLLARS ARE LOST. WESTERN UNION WONT HONOR A FULL INVESTIGATION, they simply say that protocol was followed by the agents in XXXX and that's that.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report with no explanation as to how they got there. I checked my credit report like usual, but this time there were strange discrepancies. After refreshing my browser to see if it was a glitch, nothing changedthe inquiries remained. Im beyond frustrated and want the documents Ive submitted to be reviewed immediately so I never have to deal with this again.
Product: Debt collection

XX/XX/2023, I have received a debt collection notice by XXXX mail saying I owe {$44.00} Now in the month of XX/XX/2023, I am receiving multiple phone calls from the company. I choose not to answer because I believe it's a scam. 

I've checked my credit reports and this company/debt isn't on my credit. I have nothing in collections or late payments.
Product: Mortgage

I have had a mortgage with PHH mortgage for a little over a year. Yesterday ( XXXX XXXX ) I received a call from the PHH stating that I had not paid my XXXX payment. As a result I had late fees and potential reporting against my credit bureau record. I insisted that I had paid my XXXX payment in XXXX and asked them to please verify. They did find my payment was received on XXXX XXXX ( 12 days before it was due ) and that it has been misapplied. I have spoken with their customer service and with their collection department and neither has taken the late fee off my account or removed the " overdue '' status from my account. PHH mortgage is not taking the appropriate steps to resolve this situation.
Product: Credit reporting, credit repair services, 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 : # DEPT OF ED/XXXX Account number XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number 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 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.
Product: Debt collection

Company is attempting to collect a debt of {$9500.00} that is not owed. I was sent a letter on XX/XX/2019 stating that I owed it with absolutely no proof of debt.
Product: Credit card or prepaid card

Cant believe having this XXXX Barclay CC for over a year and trying to ask for a simple CC increase is very hard. A+ credit tier with a score of XXXX with establish credit since 1994 and over $ XXXX in limits. XXXX is still needs to pull my credit. Sad business!
Product: Credit reporting or other personal consumer reports

I have several inquiries on my report from companies, I didnt authorize. 

XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these are not my inquiries and they where not authorized and are unverifiable I have sent out certified mail XX/XX/XXXX and have called and they still are there and unverifiable.
Product: Vehicle loan or lease

I filed Bankupty back in XX/XX/XXXX. Cancelled the Bankupty in  XX/XX/XXXX. My car was included in the Bankupty. After the Bankupty was cancelled my car note company XXXX XXXX XXXX said I was behind on my payments. {$1200.00} dollars and they wanted it then. Well I paid it up in the next several months. Next I notices that even thought I was paying them, they were still report negative information to the credit XXXX. Furthermore I have being asking for monthly statements showing the payments I have made and when my next payment was due ; but time after time I have asked and no statements are being sent to me ; asking since XX/XX/XXXX. This account shows on my credit report as a charge off. This suppose to be why they cant send me statement, but I am suppose to keep paying them every month without a statement to remind me and the dollar amount thats due. I am a senior citizen with XXXX. This is very stressful! Theyre already charging me to much for this car
Product: Debt collection

The origanal Creditor was XXXX XXXX XXXX in the amount of XXXX dollars who sold the account to LVNV Funding On XX/XX/XXXX I got a letter from LVNV that they placed the account with RESURGENT I paid the collection agency Resurgent {$490.00} dollars as a settlement offer ( meaning paid with no further obligation. I paid this company because on XX/XX/2019 I got a letter stating that LVNV Funding Had placed the account with RESurgent Capital Service. After I had fulfilled my credit Obligation and took the settlement offer and paid them LVNV Funding has place a collection account on my credit for {$220.00} dollars.

This account was never mind i just agreed to settle on this account so that it would not affect my credit.

I am requesting validation .competent evidence bearing my signature a contractual obligation to this company LVNV Funding or that this unfair account that was placed unfairly on my report be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported XXXX XXXX Reference # : 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, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.