23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent numerous requests for account transactions because the home was sold and the account was not closed out for extended time incurring interest in error. Have sent Disputes to the USDA servicing center, US Dept of Treasury, and 2 different collection agencies with no response or resolve. Additional administrative fees were then added with no communication. Federal tax refunds have been offset for 3 years and no balance changes are reflected on collections or my credit report. I have sent a dispute and documentation 3 times this year to the collection agency and the fiscal treasury office and have not received any correspondence other than the auto receipt email. I have proposed a payoff in each dispute. My credit continues to suffer because I can't get anyone to listen to my concern, my calculations, or payoff offer. I have contacted attorneys, state politicians, consumer credit counseling, and the creditor and the only response from the third parties is that I have no option or support when it comes to communicating with the federal government. I just have to sit back and allow them to do what they are going to do because my voice doesn't matter.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I made a substantial payment to pay off the balance on my Citi thank you preferred card. Once this payment cleared I was sent a letter by e-mail advising my credit limit had been cut from {$8500.00} to {$500.00}. This account had been opened since XXXX and had a perfect payment history. 

I immediately contacted customer service and my account was subsequently closed. 

I have reason to believe Citibank is in the practice of reducing credit limits due to the coronavirus on low risk consumers who do not have any problems with payment history or debt load. 

I received a follow up letter in the mail stating that I have high debts with other creditors which is simply not true. I have very little credit card debt, and all accounts are in perfect standing. I have other accounts with CitiBank that are paid in full. 

In the period between XXXX and XXXX I understand Citi Bank was found to have committed mortgage lending violations and other unethical business practices that resulted in a large mortgage settlement. I was a party to this and received a payout. I would like to ask the CFPB to heavily look in to the practices of CitiBank in relation to how they cut credit limits after payments have been made in an effort to maximize negative impacts on the customers credit score. I am happy to provide a recent copy of my credit report to the CFPB to document and years of account statements to document that Citi had no reason to take any negative action against my acccount.
Product: Debt collection

Collections entry of {$140.00} showed up on my credit report on XXXX  The only reason I found out about this was that my credit monitoring emailed me. The collections company, XXXX XXXX XXXX, never sent any mail about the debt. I called the collections company on XXXX, spoke to a person and attempted to verify the debt, which they could not because none of the personal information matched, and is the reason why I never received mail. They then stated that they will remove the debt from my credit report as it could not be validated. 

As of today, XXXX it has not been removed from my credit report. I waited until the new month to be sure that it was still on my credit report. I have experienced some minor harm from this because I was unable to apply for credit because of the derogatory entry.
Product: Credit reporting or other personal consumer reports

A numerous amount of FCRA violations are continuously being committed which is causing great harm to my consumer report and most importantly my life situation. There is a great amount of inaccurate reporting. I have requested the method of verification that was used, I demanded these companies to cease and desist and Ive requested a proof of claim and they have failed to comply with any of it. Things are being furnished onto my report without my consent. The consumer reporting agencies are willfully violating the FCRA for their own willful and ill monetary gain.
Product: Debt collection

We financed for a piece of furniture through Conns in XXXX. I have the payments set on automatic. They tried to pull early and it didnt go through due to finances. We did a partial payment because I went into the hospital. They have called me repeatedly every day ( at least 5 times ) from early in the morning to late at night. 

When I answered and told them we cant afford it due to me going into the hospital, and that its set automatically for the XXXX. We can pay then. He said alright but you will continue to get calls until its paid. I asked if he was going to harass me knowing we cant pay and we are set up for the XXXX. He got agitated and said that they will and that its not a guarantee until we pay, so they will call us every day. Its not the first time they harassed us and have even called my work in the past saying that I owe a debt and am not making payments, which resulted in my boss calling me about the issue. I was only a couple of days behind. 
I ended up having to move jobs.
Product: Credit card

My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue
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 Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry DateXX/XX/2020 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had an issue with their reporting system. They had deleted inquires from my credit report then they reinserted them. I was never notified that any of this took place. Not until I pulled my report again. I want the following inquires removed from my report I am a victim of their credit inquiry issue. I spoke to a representative who refused to remove the inquiries. The following need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Citizens bank has no option to deactivate a XXXX account connected to my checking account.
Product: Mortgage

To whom it may concern I XXXX received a short settlement from Wells Fargo bank the amount XXXX dollars.They gave me 45 days to pay it. I paid the amount and over the amount. With in the 45 days. I paid XXXX dollars over the amount I ask for my refund amount back and Wells Fargo refuse to pay me my refund back I tried many times to get my refund back but they refused. Please help me get my money back from Wells Fargo and XXXX. Acct # XXXX case # XXXX My phone XXXX MY email XXXX MY address XXXX FL XXXX.I also put in a complaint in with XXXX # XXXX Wells Fargo and XXXX also refused to answer XXXX.
Product: Debt collection

Last year, I sent the credit bureaus dispute letters for this company because the debt is not mine and they did not respond to the dispute with anything other than a payment plan, but yet they filed court orders against me and sent somebody to my house to deliver court documents. How is it fair to sue me for an account that is not mine and they had no documentation to prove it was mine. They failed to verify or validate this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint about my initial attempt to remove inaccurate items from my credit file. The presence of these inaccuracies negatively impacts my financial standing and creditworthiness, and I am seeking your immediate assistance to rectify this matter. 

I discovered that my credit report issued by XXXX Credit Bureaus contained multiple inaccurate entries that do not accurately reflect my financial activities. My initial dispute was submitted with supporting documentation to validate the inaccuracies. However, despite my efforts, these inaccurate items persist on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to correct the inaccuracies by removing the items from my credit file immediately. 

Ensure that no further negative impacts occur on my credit report due to these inaccurate entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these inaccurate items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a Bank of America prepaid card for XXXX XXXX back payment deposits in XX/XX/XXXX. On XX/XX/XXXX and XXXX my account account was fraudulently used to transfer XXXX on both occasions to a fraud account False information was entered into my online accountemail, bank XXXX, and phone number. I cancelled the card and opened a claim. The claim number was XXXX. 
On XXXX, the transfer from XXXX was reversed and restored to my account. 
However, Bank of America denied my claims to reimburse the stolen funds of XXXX from XX/XX/XXXX. I requested a reconsideration on the first claim for XXXX and it was denied a second time. 

On XX/XX/XXXX, with a replaced card, the account was compromised and this time a fraudulent transfer of XXXX was made using a fraud bank account. My account had been compromised with a false account number, email address, and phone number. All of this I could see under my profile information. I made a claim/dispute on XX/XX/XXXX. The claim number was XXXX. 

I provided Bank of America with the fraudulent account number ( I could see it in my online account ) and the fraudulent phone number. 

On XX/XX/XXXX, I called Bank of America for status and was told that the claim was denied. 

I cancelled the card again and received a new one, which I am afraid to activate in case the same fraud reoccurs.
Product: Checking or savings account

My fraud claims from Wells Fargo have been denied for the 3rd time. They have shown me no evidence from the company I am filing charges against, I did authorize a few transactions by phone when calling Wells Fargo. 
I DID NOT authorize XXXX of XXXX of dollars of the folllowing months. 
They are using past phone recordings as their only evidence. 
I have not seen any evidence to date from the company XXXX XXXX XXXX XXXX My other credit card that was compromised by the company has recognized it as fraud and reimbursed me fully for fraud charge of over {$4000.00}. 
I will not let this go. 
Wells Fargo has been nothing but rude, disrespectful and dishonest. 
I have not gotten any valid documentation or calls backing up their denials. I have pages of evidence from several sources. 
I will keep filing until this is resolved.
Product: Debt collection

Transworld system inc has flagged my account as collection balance XXXX $
Product: Vehicle loan or lease

I have brought 3 cars from Usautosales. Currently it's reporting on my credit report 2 times for different amounts. I have reached out to the company and also the company that has taken over its portfolio and still no answers. I charged XXXX for a XXXX XXXXXXXX XXXX I have had the car since XXXX and paid every payment on time. There is no way they are reporting that I owe XXXX to one company and XXXX to the other and reporting over XXXX or more to my credit report for the same vehicle. Not to mention 2 of the vehicles I had totaled out and I had gap and protection. But I paid out of pocket and was never reimbursed or helped. I actually had to pay them. Please research my case and inform me of the next steps to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Product: Checking or savings account

I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. 

The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. 

Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. 

More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. 

Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. 

BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece.

All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding.
Product: Debt collection

I contacted  XXXX   XXXX    XXXX   about an account that was on my credit report that was n't opened by me! They sent me a letter stating that they would remove the closed,  XXXX  'd out account from my reports. I keep being contacted  by Midland Funding abo ut this account that they purchased for pennies on the dollar. Again this is NOT MY DEBT! If the original creditor removed it from my reports, SO SHOULD MIDLAND!
Product: Debt collection

I have tried to contact this company about the debt showing on my credit report multiple times. They keep telling me that I owe them. The letter states the balance is XXXX  but originally was way less than that. This is unethical. I tried to pay the lesser amount and they said they can only offer what the creditor has listed because they dont purchase their debts This is unethical and unfair. I will not stop fighting this bogus company about this false debt. I even tried to dispute this after that, with no response. This company will be sued for trying to take advantage of me and others. This is fraud
Product: Credit reporting or other personal consumer reports

Unauthorize hard inquiries. XXXX XXXX XXXX XXXX  and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. I have sent a dispute letter to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
Product: Debt collection

I am in fact the natural person and I am submitting this complaint myself. There is no third party involved. On XX/XX/2021, my husband was served documents by the county sheriff 's office. In reviewing the documents, I found that the paperwork was served on behalf of Midland Credit Management Inc. for BREACH OF CONTRACT. The exhibits provided by the company used false and deceptive means as well as forms to represent that I the consumer owed a debt to their debt collection agency when in fact I have not received any goods or services from Midland Credit Management Inc. Their company failed to express any contractual obligation I have to pay their company anything. On XX/XX/2021, a magistrate ruled against Midland Credit Management Inc in my favor. This complaint is being filed as a means of redress for violations of my rights by this debt collection agency.