23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used chase credit card. My ex who was a scammer scammed me and paid off my card which had a balance of XXXX. He used fake accounts to pay it off. I went and got gift cards on the chase credit card and he paid thos off as well. Chase never told me the payments were denied until i spent XXXX. I had my account set up for alerts and i even called them to make sure the payments were made and from legit accounts and they said yes. A month later they sent me mail saying the payments were reversed. Upon checking records they were canceled 4 days later upon payment. So i dont know why ut took a whole month to notify me. Thank XXXX i didnt get more cards and out myself in more debt but if they had told me when i called that the payments didnt go through i wouldnt have gotten more gift cards. Chase is at fault since they did not notify me even thiugh i have all alerts set and even thought i called them a few days later. Its as is they did it deliberately to get my money. Now im stuck paying off a {$8000.00} bill which was all due to a scammer.
Product: Debt collection

This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account.
Product: Student loan

I had student loans that i thought were set up on a payment schedule or that i would receive a bill notifying me when they were due. Unbeknownst to me i had to set up an account and set up payment without ever being notified. When i finally did get notified in the mail that i was late on a payment i set up the account for automatic payment immediately. I had no idea that i had late payment history on my credit report until recently when i applied for a home loan. I have tried to correct the late payment history with the student loan company but have not success. I had no idea that a payment was even due until they notified me and i paid it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AFFIRM INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AFFIRM INC XXXX )
Product: Credit card or prepaid card

Synchrony Bank Credit Cards. They readjust/cut your line of credit in half & Close your accounts when in great standing of never paying late, usually early, paying more than the monthly minimum. This is their practice to guarantee that a customer credit rating never improves and therefore keeps the customers only qualifying for Synchrony cards at high interest rates. And not being able to qualify for competitions cards. Example : Synchrony card approved for {$1000.00}. You use 20 % of it, within 3 months, with on time payments they Cut the card limit to {$500.00}. Now your credit rating drops automatically because your card usage increased to 80 %. ( I have 5 cards with them & they did it to each one ). Each time they do this, credit rating drops because of increase card usage, even though I have not bought anything new on any of them. So this week, they notified me they closed one of my accounts due to my credit rating dropping ( that they caused!! ) And therefore my credit rating drops again for the closed account rating ( which they caused! ) This is guarantee for them to keep a client base, because customers now don't qualify for competitors cards. They have done this to hundreds, if not thousands of customers. This needs to be addressed and changes made to their " Monopoly '' way of practice, that Harms the customer. In fact, I would like to see if it qualifies under any " RICO ACT '' Laws.
Product: Debt collection

I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named XXXX XXXX XXXX XXXX and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of Acron Credit Solutions LLC. This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this stupid account on my credit report.
Product: Debt collection

My husband chose not to renew his subscription with the magazine XXXX XXXX   because he was going to start an online subscription instead. 

He has subscribed to that magazine for over a decade. 

So now we got a letter today from North Shore Agency, stating that they have put us into collections with them, a collections agency, for {$29.00} that we do not owe XXXX XXXX, b/c as far as I know, no one in this house agreed to subscribe to your magazine until the end of time. 

A simple XXXX search will turn up multiple complaints about this collection agency targeting people with fake collections letters for not renewing their magazine subscriptions. 

This is a deceptive practice, targeting people and trying to scare them, and it should not be allowed.
Product: Vehicle loan or lease

Auto was totaled in XX/XX/XXXX car was financed with BBT/Truist Bank and the GAP insurance was purchased through XXXX XXXX XXXX their was continued miscommunications between both companies which delayed the gap payoff covering the final balance of the auto loan this was paid off in early XXXX and is reporting XXXX can we please get this removed asap. Im trying to purchase a home and I am not one that does not pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated copy of my credit report and observed a credit inquiry on XXXX XXXX from clarity services inc.clarity services inc has not given me written documented proof I consented to these hard inquiries as required per section XXXX and section XXXX of the federal credit reporting act and proof of accuracy of inquiries as required per section XXXX of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report
Product: Debt collection

I was called once by the company. Told them I have no knowledge of this account and have never had service from the company. That same day the filed a collection account to XXXX credit bureau. I disputed it and it was removed the same day. He has called over 4 times that day when I answer they never talk and then hang up ...? Then the next day my XXXX credit report says I have two collection accounts from the same company.this is being disputed now along with the XXXX. Now they are still calling 5 plus times a day but when I answer they just hang up. Also in Florida if I am disputing they are not aloud to call.
Product: Debt collection

IM UNAWAREE OF THIS DEBT.I DIDN'T RECIEVE AN OPPORTUNITY TO DISPUTE THIS INFORMATION.IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY NAME AND MY SIGNATURE THANKS, JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Mortgage

Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.
Product: Credit card or prepaid card

I called several time to try and fix whatever issue they had, they also informed me several time I couldn't make a payment over the phone, I tried adding my new back to the account 10 times over a period of 5 months or longer.. I can not tell you how many time I called to ask why does this keep refusing to let me add my bank? No answers, I asked so how am I supposed to pay something you wont allow me too? They always told me i had to two a few days for it to go though. I again have repeated this over ten times or so, i asked my bank if they were rejecting it and they told me no.. So i eventually got someone who forced the process to take place, I made the payment, and two to three days later they revoked my payment??? No they closed the credit card and charged it to my credit report!..
Product: Checking or savings account

XX/XX/2020. 
So this loan company calls. Tells me I can have a {$2000.00} loan. Covid has made me desperate for living expenses. All I need to do is take the {$800.00} he will deposit in my Wells Fargo account and return it to him. It's not my money, so it seemed correct. I gave him my account info so he could deposit. Just routing and acct number All of a sudden, there was {$800.00} in my bank. He wanted me to return the money back to him. Then, the trust factor is built and he will deposit the {$2000.00}. He, somehow, got by Wells Fargo 's shoddy security. He got access to my online account somehow. I later found out, that what he did in my account is file disputes on purchases I made, and some idiot Wells Fargo person put up an {$800.00} provisional credit. I thought it was his deposit to me. I have asked for provisional credit and never, ever was granted it. Is this an insude job? What kind of idiot at WF puts up an {$800.00} provisional credit from 8 different transactions? You can't do this without the aid of a banker. I got robbed of {$800.00} because of this person/idiot that set the credit. If that never would have happened, I never would have lost the money they pulled back and posted as available. They are responsible for the {$800.00}, they put up the credit for a thief. I knew I did not have {$800.00} in my acct. So, when it appeared, it had to be a deposit to me. So, I thought it was. They have sent letters and deny any wrong doing and refuse to help. I have documents from the phony loan company, phone numbers, text messages. It all seemed legit. These are professional felons, and I thought Wells Fargo had insurance for when they make huge security errors like this? I was robbed by a bank! Too big to care. I couldn't pay my rent, now facing possible eviction.

Certainly, there must be protection from banking institutions, we rely on these professionals to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; EQUIFAX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;
Product: Checking or savings account

Hello, I hope this finds you better than I. Today I found out that my checking account with Huntington Bank is frozen. I attempted to use my debit card and it was rejected so I called customer service. When they told me about the freeze, an account manager said Id have to go to the nearest branch to resolve. Unfortunately, this bank does not have any nearby branch, and even when asked, they couldn't tell me which was the nearest branch. Apparently, somebody filed their taxes in the state of Ohio, a state I dont or have ever lived in, with no connection to me, and used my checking account to issue the refund. It was deposited in my account and then they froze my account because of it. When I was told this I instantly said that it makes no sense as I have never filed Ohio taxes and that it was obviously not mine, she then told me that the person whom this was meant for is XXXX XXXX, or something similar to that, and I insisted I did not know this person. I also asked to reverse those funds but she did nothing and just kept telling me to go to the branch, which is impossible. That call ended in the morning and I called again later in the afternoon. At first, I was told the same thing, you have to go to a branch, but as I insisted and pleaded my case, I was placed on hold then told to send a notarized letter stating that I want my account closed and a check will be issued and sent via postage. I felt like I was being shrugged off like in the first call so I asked that if the account was frozen and the money unaccessible, how would they be able to close the account, can you give me assurance as this is time sensitive and this may take weeks? I was placed on a brief hold again and told that it wouldn't work and the only option would be to go to a branch. Im unfortunately not able to and she said to just keep the account as is until I am by a location, but I have no idea what that is and she couldn't give me any information or assurances regarding the monthly maintenance fees that will be charged to the account while all this is happening. I even compared it to holding my money hostage and what a huge impact this is having on on life as rent is due and no option other than wait months if not years to go to a branch. I tried contacting them on XXXX and nothing, on email I was shrugged off again, I even dialed the international number and nothing either. I am at my last resort and hope that you can help me as I feel absolutely helpless in this situation. Plus, they refuse to reverse the IRS refund that somebody probably needs or, at the very least, waiting for.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified mail letter ( certified # : XXXX XXXX XXXX XXXX XXXX ). In the letter I requested Equifax to investigate an account that was improperly reported on my report and they failed to do this. The account is still appearing on my credit report and this negatively impacting me. The Credit bureau ( Equifax ) stated that XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is also inaccurate, and the date last report is also not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 which clearly states : A consumer reporting agency can not furnish an account without my written instructions. I have not given such written permission to furnish this account on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX Balance : {$30000.00}
Product: Debt collection

Called and requested information from PROCOLLECT. Spoke to associate who referred me to a XXXX Emailed multiple times and requested information on the debt. Each email was replied with, " Balance is due in full. '' No further information requested such as, Validity of debt and amount were given after requested. Only the response of, " Balance is due in full. '' I reached back out to PROCOLLECT for a phone number of " XXXX '' and was given the same email and told to reach out and request a phone call. No phone call was ever received from " XXXX  ''. I have never lived here nor have I ever filled out and signed any rental application with this establishment. 

This collection has ruined my credit history and has caused extreme mental grief. 
I disputed the charge through XXXX XXXX and the debt was returned to my credit report. I called XXXX on XX/XX/23 and spoke with a XXXX  woman and she stated that there was no dispute history for this debt. I was then instructed to contact the FTC and submit a report. She informed me that a dispute case would be opened and that the information would be investigated.
Product: Credit card or prepaid card

I am actually an XXXX XXXX on the front lines and risking my lie to save others- if that happens to matter at all! The customer service line at AM EX Bluebird is simply not answering calls - it is all over the Internet! I have been on hold the last 3 days for 6-8 hours and then call drops - this is happening even at XXXX!! To everyone!! Something must be done!! PLEASE!!
Product: Debt collection

to whom it may concern I was the landlord of XXXX XXXX XXXX, XXXX PA XXXX XXXX. The tenant failed her agreed obligated duty to pay for trash collection fees for a considerable time without acknowledging us, resulting in a 300 some Dolar accumulated debt to XXXX XXXX. 
We have since removed her from the property and paid XXXX XXXX {$350.00} on XX/XX/2019 over the phone with a spoken acknowledgment that the debt is cleared. 
But after XX/XX/XXXX, we still receive a letter every two months from Caine & Weiner with a debt collection letter with interest own addition to the debt. I've contacted both Cain and Weiner and XXXX XXXX regarding this issue 3 times on three different occasions and ended with no solution nor answers I need. I'm very concern for my own credit rating and the future impact this may have. 
The property is sold on XX/XX/2019 and I no longer have the property. But I receive the same latter from Caine & Weiner today XX/XX/XXXX.
Product: Debt collection

I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account
Product: Credit reporting

Have XXXX accounts that was deleted several times and reinserted. According to the FCRA ( 611 ) if an item is deleted, consumer must be notified in writing 5 days from reinsertion. Never received anything in writing. I sent in certified letters concerning this matter, still no deletion. The creditor is XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). They are reporting on my XXXX & Experian credit report. I have proof of deletion if needed
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Original Creditor : XXXX XXXX Balance Owed : {$1000.00}