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

I moved to Georgia from Oklahoma. Opened an account with XXXX. 
Everything was fine for a while. Was remodeling my home and got several withdrawals. 
to pay contractors. 
Went to the bank to withdraw more cash. They said no my account was frozen due to suspicious reasons. The Manager said, she did not know why. I have been there in person and called several times with no response. The branch manager even hung up on me. 
I then received an email with a phone number to call. which I did. Supposed to be corporate.. I would speak with an agent, and they would say please hold on while I investigate. and would transfer me to a different agent. same thing happened to me. I spoke with at least four different. Agents, kept being put on hold. At last after an hour, I was cut off. In other words, hung up on. 
I was not discourteous, I do not yell or curse I am almost XXXX XXXX XXXX. I truly need your assistance. Please advise me. They have over {$5000.00} dollars and will not release it. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Maintaining a good credit score is crucial for me, and I'm genuinely concerned about the inaccuracies on my credit report. These mistakes are causing continuous XXXX and preventing me from being approved for new credit.
Product: Checking or savings account

When I opened the checking account with TCF I also opened a savings. I agreed to have {$25.00} automatically transfered from checking to savings every month as a condition to ensure no monthly maintenance fees. I was told to have 15 transactions per month, which I did have every month. Still, my checking was charged {$9.00} a month for at least 17 straight months.

I did not know of these charges because I never saw them online, they didn't show up there. I became aware after TCF merged with Huntington and these charges became available to see online. I was dismayed, and asked Huntington to refund the fees. I was informed that the charges came from TCF, not them, but TCF no longer exists.

My intention was to comply with the rules and there should have never been any monthly fees. I would like all fees taken refunded to me.
Product: Credit card or prepaid card

My XXXX identity information was comprimized. I have updated my information. They have claimed that my case was closed and have tried to contacted me with the information provided. I have not recieved a phone call or anything from you guys. I have updated my information so here you go my information again. I would like for the decision to be mailed to me at XXXX XXXX XXXX XXXX XXXX VA XXXX. Please take this serious I have not received any payments from them since XX/XX/2022. You all need to help me resolve this matter. 

XXXX XXXX XXXX
Product: Consumer Loan

My complaint is against Transworld Systems Inc. For unfair and deceptive credit collection practices. I paid a collection item for {$100.00} on XX/XX/2017 which I did not know I had until I recently checked my credit report. I still dispute the item, however to close on my mortgage I decided to pay it as long as Transworld would get me a paid receipt. Transworld said at the time they could e-mail me a paid receipt upon my payment. I paid them via my debit card, and as off today they have not delivered me a paid receipt. I believe they tricked me into paying something and did not follow through on their end. Now I may not be able to close on my mortgage. this has caused much more drama than necessary for a small item I dispute. I believe they have a responsibility to do what they say they will do to help the consumer, especially one that is paying them.
Product: Checking or savings account

Good Afternoon, The first notice that I had been a subject of fraud was when I received a bank statement from Bank of America. Once I opened the statement address to me I called and reported the to BOA that the account was opened without my permission. While processing that information they found another account that had been opened in my name as well. They said that they would be conducting research to verify that the accounts wee open in error and without my consent.
Product: Bank account or service

I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.
Product: Credit reporting or other personal consumer reports

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

SEE ATTACHMENTS FOR AFFIDAVIT OF TRUTH COMPLAINT AND EXHIBITS
Product: Checking or savings account

On the XXXX through the XXXX XXXX, my XXXX XXXX was hacked into and unfortunately was still linked to my bank account they were able to drain it over a period of night through 17 different transactions. Until I had nothing left. I have been fighting with my bank over this for the past week, they have tried to deny me two times and I'm on my third rebuttal. XXXX XXXX will not help me, and I don't know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and they advise me to contact the credit bureau.
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 : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or 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: Debt collection

Received a text on XX/XX/year> from XXXX saying I owed a debt for a XXXX account. Said they were from " XXXX XXXX, a debt collector for XXXX. '' Told me to call XXXX or click a link for a portal ( I did not click it ). I reported the number as XXXX. 
Then received a text on XX/XX/year> from the same number telling me I still had a debt of {$1500.00} for XXXX, " for which the creditor is JEFFERSON CAPITAL SYSTEMS LLC. '' Told me to call the number above or also click a link ( I still did not click ). Responded that I do not owe for any XXXX account and to provide the account number associated, as well as their XXXX XXXX Nothing was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Midland Fund is in violation of the FCRA. I ask that human review this case because the issue has yet to be resolved. In accordance with US Federal law all creditors when reporting a debt must report the first date of delinquency. In an effort to re-age the debt the creditor has decided to list the day they purchased the debt as the legal date of delinquency. This is a violation of the law. The law states you must report the first date the account was delinquent. The first date of delinquency was in the summer of XXXX and not XXXX of XXXX as reported by Midland. They have been asked to provide proof showing the first date of delinquency with the original creditor was in XX/XX/XXXX. They have been unable to provide that proof and written statements from the company have acknowledge that they are not reporting the first date of delinquency. If this debt is not removed by XX/XX/XXXX I will be filing a lawsuit against Midland and XXXX is the Georgia state small claims court for the state maximum. This has gone on for to long. Midland is aware they violated the law and XXXX is being a complicit partner in their crime.
Product: Debt collection

On XX/XX/XXXX I received an alert via my credit report monitoring services. I immediately called Resource Services to inquire as to the source of this account. Unfortunately, I did not get very far. I was told I had to pay the debt or face jail time. In XX/XX/2020 I sent a letter requesting the verification of the debt. What medical practice it was from, and my explanation that all of my debts had been paid on time. I never received a reply. I was able to determine what medical provider they were referring too after doing some research via their website and the South Carolina Secretary of State website to verify Resource Services establishment dates, legitimacy, etc. If the debt they are  referring to is indeed from XXXX XXXX XXXX ( again this is why consumers have the right to request validation ) I know for a fact all my balances were paid. On my last visit there I was informed they would be closing and I would need to seek a new family practitioner. So  obviously the first things that come to mind are obtaining my medical records for my new doctor, updating my address so they will be able to mail said records to me, and then paying any balances due. A few weeks later all of " XXXX XXXX '' news stations reported the practice had been forced to close due to insurance fraud. Still to this day I have not been able to retrieve my medical records. My doctor has tried as will more than once with no success. I received NO LETTERS OF A BALANCE DUE. Never, not once. I NEVER received anything from Resource Services informing me of a debt. I NEVER had the  opportunity to pay outstanding debt, if indeed it is accurate. This bill they are claiming I owe is less than {$100.00} dollars. This is a very small amount for me to pay, especially considering the negative impact it had on my credit score. This has caused personal damages as I was in the process of applying for my business working capital loan. This collection company has COMPLETELY disregarded the collection laws in the State of South Carolina. They have completely " stonewalled ''  any attempt of communication with me and have refused to show verification that the debt was NOT paid. You may have copies of many bills and I assure you that does not mean I did not pay them. I have written correspondences with our Secretary of State XXXX XXXX and our Attorney General XXXX XXXX resulting in my filling a complaint against Resource Services via the XXXX  and the South Carolina Department of Consumer Affairs. Lots of Forfeited entity Status. Just curious what legal structure are you operating under now? I  also cant find you in the XXXX XXXX either.
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. 

XXXX XXXX XXXX, has violated my rights. 
Open Account May 23,2022 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 15 U.S.C 1692 ( E ) It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

15 U.S.C 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, XXXX XXXX from XXXX XXXX XXXX called my work phone and left a threating message on my voicemail which is attached below. Per XXXX XXXX XXXX " Harassment and Call Restrictions Debt collectors can not harass or abuse you. They can not swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also can not make repeated calls over a short period to annoy or harass you. '' After speaking with XXXX XXXX, I advised him that he threatened me on my work voicemail which is not a legal tactic and told him to never call my work line again. He the threatened me once again and said " I don't care of your embarrassed like I said have your boss or owner available to be served at your work location. '' After being extremely emotional, distraught, embarrassed, and traumatized at work he advised me that I would settle the XXXX debt, however when he sent me over the paperwork it had the incorrect amount listed. 

I emailed several times... 
Email thread below ... From : XXXX fam XXXX Sent : Thursday, XX/XX/2022 XXXX PM To : R XXXX XXXX Subject : Fwd : Payment Plan letter for # XXXX Good afternoon,, I spoke with XXXX today and the agreement was not based on the XXXX it was based on the $ XXXX amount. 

Please see below and refer to the phone conversation. I am requesting that my agreement is revised based on the information provided as agreed upon in the phone conversation. I asked him to provide me that in writing beforehand and he refused and then changed the amount in the agreement. I also requested that he provided me the documentation regarding the auction of the vehicle so I can confirm payments have been applied. Please provide me the agreed upon agreement A.S.A.P. Thanks in advance for your assistance. 

XXXX XXXX corrected the amount and sent over a new agreement, also attached below. After making a few payments I noticed that the account reflected incorrectly. 

Email below... XXXX fam XXXX Attachments XX/XX/2022, XXXX AM to R ... Can someone also please correct this? This amount is incorrect on the payment site. I appreciate your help with this. 

Response ... R XXXX XXXX Sat, XX/XX/XXXX, XXXX AM to me The website doesnt reflect reduced payoffs. Settlements can only be dont through the banking department. As you make payments the balance will get reduced and manual letters will get sent out. Thats what the disclosure means under the account information. XXXX XXXX XXXX The amounts are still not correct, and the additional payments were added which was not agreed upon, and then decline notices were sent out. Also attached, XXXX XXXX, called me once again at my work on XX/XX/2022 and advised that he is closing my account simply because he wanted a card on file. However, XXXX XXXX his manager advised me that I can make payments online. After several threatening phone calls, incorrect amounts, and additional payments added not authorized. I'm requesting that my account is paid in full and deleted from all 3 credit bureaus. Documentation is attached below.
Product: Debt collection

Caine & Weiner placed a false debt in my credit report around XX/XX/2022 and again on XX/XX/2022 after receiving a certified letter on XX/XX/2022 that this was NOT my debt.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with Audi for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXXAudi website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXXAudi website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened on XX/XX/2022. 

I was at XXXX in XXXX, MN and I was looking to purchase a new bed. The salesman told me I can purchase the bed through a credit check. He told me it was a soft pull on my credit and didn't mention anything about going through a bank to pull my credit. He kept reassuring me it was a soft pull and I told him if it was a hard pull on my credit I did not want to do it. Ive been working on building my credit up the last 2 years to be able to get a house at the end on this year. And again, he said it was a soft pull. Now as a salesman of a business, he obviously has knowledge on all the products in store and has knowledge on doing credit checks for customers. So because he kept telling me it was a soft pull I went ahead for the credit pull. Not even a minute went by and I received XXXX notifications on my phone saying there is a new hard inquiry on my report. Under the FCRA laws, it states that the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. Now how many other customers has he done this to? I would like to take further action on this salesman and the business.
Product: Debt collection

I was contacted by XXXX ( XXXX ) that I was delinquent on some payments. I contacted and paid them what they requested. There was an issue with some paperwork or processing and they sent it to collections Transworld Systems Inc. ( TSI ). When TSI notified me that they now held my account I called XXXX to verify. They apologized and said they would take care of it and that my account with them would still be active. To avoid any further problems I paid my account balance off with them. ( {$5000.00} ). I have the email chain from XXXX, have received confirmation that I am in good standing with them. Fast forward three weeks following payment I get a bill from TSI for XXXX. There is a disconnect somewhere, however not between TSI and my credit report. I 've sent them all documents they have asked and they still will not remove me from there collection.
Product: Debt collection

Credit management company is reposting in my XXXX credit. I have requested information from the company. That I have not received. I believe this medical billing item is incorrect I would like to assert that the presence of this medical billing on my credit report violates my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA mandates the protection of an individuals medical information, and it restricts the disclosure of such information without explicit consent from me. Therefore, the reporting of this item raises significant concerns regarding the disclosure of my private medical information and my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, CFPB is not investigating how EXPERIAN is handling my consumer complaints. Keep allowing EXPERIAN to use the no authorization to do anything. 
That is exactly my complaint who gave EXPERIAN any authorization to use or report information on my report, even worse a unsubstantiated assertion. It is a fact EXPERIAN has discovered this filing process is all electronic and no actual human is overserving the process and all they got to do is manipulate the system with responding by code delay, or stating they do not recognize the account. Attached is a copy from EXPERIAN of the account reporting on my report. All these denials is just now exhibits for the deception from EXPERIAN.