23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Account XXXX. XXXX My bill cycle ran from the XXXX to the XXXX each month, with payments due on the XXXX of the following month. On XX/XX/2022, I canceled service for line ending in XXXX by completing a port-out of the telephone number to another wireless carrier. The voice lines ending in XXXX and XXXX were then canceled on XX/XX/2022, when I completed a port-out of these lines to another wireless carrier. The account was canceled, and I was clearly instructed to cancel my remaining non-using line ending in XXXX to cancel on XX/XX/XXXX, unfortunately, XXXX tricked me and did not cancel, and I called them again and asked to cancel that number. please ask them to check the call logs. and they sent me the final bill of {$370.00} which I am ready to pay. since my account is canceled on XX/XX/XXXX, XXXX  does not have permission to take money out of my back without giving me a proper explanation or a paper bill. So I stopped the payment of {$160.00} which is the wrong amount anyway. since my bill period is XXXX to the XXXX of every month, I only owe prorated charge of XXXX  days that is {$79.00} ( $ XXXX {$4.00} - XXXX ) + {$34.00} + {$5.00} = XXXX +/- {$5.00} ( Note - this from their letter of explanation - The billing statement dated XX/XX/2022, reflected a balance owed in the amount of {$180.00} of which {$140.00} was for rate plan charges, {$34.00} for equipment charges, {$23.00} for service charges, and a credit of {$16.00} for one-time charges. A payment of {$180.00} was remitted via AutoPay on XX/XX/2022, reducing the balance to XXXX  ) there are XXXX  complaints - XXXX their customer support gave me the wrong information and made all this mess. they didn't cancel my non-using XXXX number since I asked them to cancel on XX/XX/XXXX and XXXX, second, they withdraw money from my back without my authorization or without a proper paper bill, and now charging me {$30.00} for {$30.00} payment return fee.
Product: Credit card or prepaid card

I have a Capitol One credit card that is set up for automatic payment for the balance in full. After opening a new primary checking account with XXXX a Capital One representative advised me to denote it as the primary account from which payments would be made ; this was to be marked with a star. 

Despite the change, Capitol One deducted a payment from my old bank account ( XXXX XXXX ). The left the XXXX XXXX in an NSF position. I was charged {$35.00} and received additional notification from XXXX XXXX that the payment was not made. Moreover, my credit worthiness with XXXX XXXX has now been impaired. 

I contacted XXXX by phone, waiting 35 minutes to speak with a representative. The first person with whom I spoke had no idea how to handle the situation, so I asked her to escalate the call. I was then connected with somebody by the name of XXXX, a supervisor ( who later stated there was no person higher than him to whom I might escalate the situation ). 

Having explained the problem to XXXX he said he could not view my account dashboard and was not aware that a primary payment account is denoted by a star. Moreover, he stated that he would not assist me as the situation was solely my fault. XXXX stated that I should have cancelled my auto payment from XXXX XXXX and set up a new auto payment from XXXX. Moreover, he told me my Capitol One account is now is now past-due. Again, this affects my credit rating and also comes with a hefty interest rate attached to the balance that would have been paid in full had Capitol One taken payment from the primary bank account noted on my dashboard. 

Also note, Capitol One deducted payments from my XXXX XXXX account in XXXX and XXXX, but not in XXXX. And they did not deduct payment from my XXXX account in XXXX. 

Prior to this mess I had a credit rating above 800, no late payments and a spotless history with XXXX XXXX, XXXX and Capitol One. Now everything is a mess. 

Making matters worse, XXXX would not assist further and ended the call. This has left me in the position of not knowing how to proceed to rectify the situation.
Product: Mortgage

In XXXX I cosigned with my mother for a line of credit on her house. In XXXX of XXXX she passed away. I went into Bank of America with all the proper documents ( including the death certificate ) to have her taken off the loan. It took multiple trips meeting with multiple parties, to finally have this taken care of. All was well until XXXX of XXXX my mother 's name appeared on the paperwork again XXXX including tax documents ). I called Bank of America to have this corrected. I was told she would need to sign off or pay off the loan. I explained that she was dead and probably not going to be able to do either. The gentleman on the phone assured me that someone form Bank of America would be calling me within 48 hours to correct the error. Ten days later I received a letter ( NO CALL ) from Bank of America with condolences on my loss and instructions on where to send in the death certificate and all other perinate paperwork ( that was done eight years ago ).

I have been told by a previous employee that they put dead back on accounts to create a bigger customer base for their numbers ( CLASS ACT ).
Product: Debt collection

I continue to receive countless letters, phone calls, and inquiries on my credit report from Portfolio Recovery Associates , LLC, despite the fact that this debt was not only false to begin with, but Portfolio Recovery Associates , LLC continues to send letters and conduct unauthorized inquiries on my credit report, as recent at XX/XX/2023 even though the alleged false debt is outside of the statute of limitations and is considered to be time-barred. I have sent a certified letter demanding they immediately stop contacting me in any way, as well as demanding they stop the inquiries on my credit reports, as this is unauthorized and illegal, according to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Product: Credit card

In XX/XX/XXXX my mom was diagnosed with XXXX  XXXX XXXX. She passed in XX/XX/XXXX less than 30 days after losing my grandma also. 

I added account assure to XXXX XXXX XXXX credit card in XXXX. According to updated terms as of XX/XX/XXXX, account will be suspended after 90 days or three billing cycles past due. 

I MADE payment in XX/XX/XXXX, missed payment XX/XX/XXXX, missed XX/XX/XXXX, and XX/XX/XXXX due to circumstances trying to care for my dying mother and grandmother. 

They reported to credit bureaus in XX/XX/XXXX that my account was 30 days late. 

In XX/XX/XXXX I applied for the account assure benefit for event in XX/XX/XXXX. It was denied because they claimed my account assure had been canceled. But according to the terms of contract, the credit bureau report, and last payment made, they had no right to cancel my account assure at that time! 

I have been in almost weekly contact with account assure since XX/XX/XXXX. No one can give me any answers, no one will correct their mistakes, and 5 times I've been told that the situation was escalated and that I would receive a call back but never did! I have spoken to their customer service agents and supervisors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported on my credit profile associated with CAINE & WEINER account # XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of the debt you claim I owe. 

I request that you provide the following documentation to validate this debt : 1. A copy of the purchase agreement of the debt, which must include all signatures of the parties involved.

2. Documentation showing your authority to collect this debt, including the chain of assignment. 

It is important to note that I have had multiple companies attempt to collect this debt, and without proper validation, I can not verify its legitimacy. 

If you are unable to provide the requested documentation, I ask that you promptly remove this account from my credit profile, as it would be reported inaccurately in violation of the FCRA. Under 15 U.S.C. 1681s-2, you are responsible for ensuring the accuracy of the information you report to credit bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX
Product: Consumer Loan

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit XXXX 10 days apart. Ally and XXXX XXXX XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the XXXX hit removed on each XXXX?
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. ACCORDING TO SECTION 604 OF FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY REPORT. DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Well? It seems like American Express Bluebird and American Express itself not only are stupid 's ; they are so nasty that their nastiness fill up their air in XXXX all the way to above XXXX and XXXX and on the east XXXX XXXX, XXXX, XXXX and etc., etc., etc., helping me to realize from where were those disgusting NAUSEAS I had lately! ... FROM THEM!!. 
Attach to this new claim goes the letter ; in WHERE they 'think ' WILL APOLOGIZE TO ME WITH MY OWN MONEY!! HA! HAAAA! HAAAAAAAA!!!. 
I WANT MY MONEY!! ; and?? American Express YOU ARE A LAWLESS group of thieves ; I DON'T WANT OTHER ACCOUNT!! I WANT MY MONEY IN A CASHIER CHECK!!.
Product: Student loan

I was on a graduated repayment plan and they raised it to XXXX dollars a month after the plan was over. I cant afford this and have worked with them for months on getting this resolved so I can even pay XXXX or XXXX a month. They do not care and are acting like I dont matter. They make snide comments and are really threatening me with credit issues because of this. They do not want to help
Product: Credit reporting or other personal consumer reports

Lots of medical bills and things that need to be fixed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I got a vehicle through XXXX in XXXX XXXX MT the loan went through GM Financial. I had the vehicle less then a week and it was unsafe to drive. I took it in to XXXX and they could not fix it. I told them I wanted to return it and left it at the dealership. XXXX did not want to return the vehicle and GM Financial repossessed the vehicle from the dealership then they re sold it at auction and are saying I owe the rest of the money XXXX. The vehicle was a lemon and the transmission was failing I almost got into a car accident from it stopping in the middle of a busy road. I told GM financial I returned the vehicle to the dealership. I tried contacting XXXX who the credit charge is with and no one wants to help me. I returned the vehicle before 30 days and this is not my debt. I should not owe anything they sold me a unsafe vehicle.
Product: Mortgage

XX/XX/20 & XX/XX/20 I called Sun West Mortgage company and spoke to a representative and then to a supervisor regarding the CARES Act forbearance. I am up to date with all of my payments at this time but will have difficulty making payments for XXXX and the next few months as my husband is not working. I asked for the forbearance to start on XX/XX/20 for 180 days. According to both the representative and the supervisor the forbearance starts on XXXX. I called FHA on XX/XX/20 ( reference # XXXX ) and spoke with an FHA employee who also reviewed the info with me and stated I had a clear understanding of the information and I was correct that the forbearance does not need to be retroactive or pushed back if I had made the payments. The Sun West mortgage representatives kept telling me that no matter if I made my payments in XXXX XXXX XXXX, I still have to have the forbearance start on XX/XX/20. This does not make sense to me as I have already made those payments and its the future payments that I am concerned about. How is this helpful as a consumer to have a forbearance start on a date when I was ok financially to make my mortgage payments. I have not heard back from FHA regarding this case other than the initial email I received from the rep when I called on XX/XX/20. Please contact me as this is a not how the CARES Act is supposed to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was recently removed off my credit report and added back on. The collection agreed to remove it and provided me with a letter for confirmation.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the company associated with this account and they said they have removed the account, so my question is : why is the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX
Product: Student loan

I have submitted documents to consolidate all my student loans so that I wont have so many different student loan accounts. I have also submitted information on line to set up a repayment with Navient and I have never received a phone call or any thing in the mail. Also I never graduated from XXXX due to the school closing before the term of my degree.
Product: Credit reporting or other personal consumer reports

I have filed XXXX disputes with Experian and they have consistently reported inaccurate information on my credit file. Most recently I filed a complaint with your organization. This is the results of Experian investigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

There was a vehicle that i did not purchase on my credit that someone had stolen my identity and used it to purchase I tried reaching out to the company and they did not remove it at all they charged it off and that's not right so i call and made a police report thinking that would help and i sent in the copy to them and they still have not removed it at all i have also added aa lock on my credit so that this will not happen again company ally financial amount = {$41000.00}
Product: Credit reporting or other personal consumer reports

XXXX shows several incorrect and irrelevant addresses, misspelled names, and phone numbers that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told address are relevant to my report.
Product: Credit reporting or other personal consumer reports

On XXXX 2023 Experian allowed XXXX XXXX to fraudulently report a {$130.00} account on my credit profile that shouldnt be there. Ive asked for validation of the account and it was never provided however the account is still there affecting my credit and my ability to secure a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$6600.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have had a savings account with TD Bank since 2011. Last week, based on a conversation with a bank teller at the following TD Bank , N.A . location ( XXXX, XXXX, PA XXXX ), I was told that the type of savings account I currently had ( interest rate of .15 % ) was no longer offered. I was also told that I should have been switched to a high yield interest savings account ( interest rate of .50 % ), however, no attempt by TD was made to communicate/switch the following : ( a ) communicate that my current savings account was no longer offered ( b ) communicate that I qualified for other savings accounts actively being offered ( all of which had higher interest rates ) ( c ) switch me into a savings account automatically that I qualified for. 
Additionally, as none of the current savings account offerings at TD had any major fees/restrictions, THERE IS ABSOLUTELY NO REASON ANY CUSTOMER WOULD HAVE ANY ISSUE BEING SWITCHED INTO A HIGHER INTEREST RATE SAVINGS ACCOUNT. This suggests that TD Bank may be solely interested in their own financial gain at the expense of the customer who is kept in the dark. 

What makes matters worse is that I have qualified for high yield savings accounts since I opened an account in 2011 ( as no minimum balance is required ) ; certain years I was receiving the appropriate interest and other years I was not. I raised this concern with the XXXX/Store Manager who told me they would not compensate me for interest that I would have accrued during the years that my interest was sub .20 %. The irony is that I am only asking for the minimal interest I feel I am owed on the LARGE balance I maintain in my savings account and not the profit TD made reinvesting my money over the past 6 years which, I can assure you, is a much larger amount than the interest I would have received in the first place. 

In closing, although my primary concern is my own financial situation, this may be part of a much larger and potentially more serious issue whereby TD Bank is not being open and transparent about the status of their customers accounts ( e.g. when accounts are created/changed/no longer offered ) and the financial impact it may have on their customers. As we saw with XXXX ( where accounts were being created/cash was being moved to boost sales numbers without customer authorization/intervention ), my suggestion would be that you open a full investigation as to how TD manages their customers bank accounts and, perhaps more importantly, the extent to which they attempt to communicate the best banking services/solutions for their customers.