23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am filing a formal complaint against PlusFour , Inc. for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

Upon discovering this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g ( a ) by requesting written validation of the debt. Despite my request, PlusFour, Inc. has failed to provide the necessary documentation, such as a detailed account statement, original creditor agreement, or proof of my responsibility for the debt. Instead, they continue to report this unverified and potentially inaccurate information to consumer reporting agencies.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since PlusFour , Inc. has not fulfilled its legal obligations, I believe they are in violation of federal credit laws. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXX XXXX  XXXX,
Product: Credit reporting

I moved to a new apartment. I noticed my social security card missing as I was packing. I reported the loss via telephone to XXXX which shared my fraud alert request with Experian and XXXX. This summer I applied for senior housing in XXXX county. That application was denied based upon a report generated by Experian. Subsequently I applied for a car loan with XXXX because of their 0 % financing offer. I could only get the car on a 4 % financing. It was then that I was told that there was fraud alert placed on my credit. However, the credit reporting agencies never contacted me to verify. I became the victim of my own fraud alert.
Product: Debt collection

On XX/XX/year>, I submitted a formal debt validation request to Resurgent Receivables LLC regarding an alleged debt of {$910.00}. Despite this request, Resurgent Receivables LLC has failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, Resurgent Receivables LLC is not licensed to collect debts in the state of Georgia, making their collection activities unlawful. In addition, they have reported inaccurate information on my consumer credit report, causing significant distress and potential financial harm. 

I have made multiple attempts to resolve this issue directly with Resurgent Receivables LLC, including sending a debt validation and cease and desist letter on XX/XX/year>. However, they have ignored my requests and continue to engage in illegal collection practices. 

I seek immediate cessation of all collection activities by Resurgent Receivables LLC, permanent removal of the alleged debt from my credit report, and compensation for the distress caused by their repeated violations and non-compliance.
Product: Debt collection

Sometime in XX/XX/2018, I started receiving phone calls from XXXX XXXX , XXXX regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who XXXX XXXX is. 

on XX/XX/2018 I contacted XXXX XXXX, XXXX and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from XXXX XXXX as to how they have the account and to get my money back.
Product: Credit card

This is about Amex Gold Delta Skymiles credit card. When I was booking airline tickets at XXXX on XXXX/XXXX/XXXX and ready to pay with my visa card, a pop up came up inviting me to apply for the XXXX skymile credit card to get {$50.00} statement credit and XXXX bonus skymile miles after spending {$2000.00} in the first 3 months. So I clicked on the link and applied for the credit card. The card was immediately approved and used to purchase the airline tickets. I continued to make purchases with the card so it met the purchase requirement of {$2000.00} during XX/XX/XXXX. 
When the statement came, I did n't see the {$50.00} statement credit posted, neither the XXXX bonus miles credited to my skymile account. So I called customer service on XXXX/XXXX/XXXX and was told that I would get the {$50.00} statement credit and bonus miles in next statement cycle. When I still did n't see those bonus posted in the next statement, I called again on XXXX/XXXX/XXXX. This time I was told that I did not qualify for the bonus because I had the card in the past ( which had been canceled before ). I asked to speak to a supervisor who gave me the same answer. The supervisor said that his manager would call me in 24-48 hours to resolve the issue, but nobody ever called back! 
I felt totally deceived. First of all, I did n't ask for this credit card, they lured me to apply for the card with bonus offers and promises. I would never apply for the card if there were no bonus offers. Second, I did n't see anywhere that they stated that the bonus offer can only be given to customers once in a life time. If they do have such exclusions/restrictions, they should n't lure customer to apply for their credit cards with those bonus offers in the first place! That 's an obvious deceitful business practice!!! I am also very disappointed at their customer service who refused to resolve this issue. I am now reporting this issue to CFPB and asking Amex Delta skymile credit card to honor their promise and give me the {$50.00} statement credit and XXXX skymile miles that I well deserve. If the issue is still not resolved through CFPB, I 'll cancel this credit card and stop using Delta airline and Amex service anymore in the future. I will also report this act of deception and malpractice to XXXX and attorney general to have this matter investigated. I am sure that there are many victims like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries at once I did not authorize them to process these. Thank you
Product: Checking or savings account

i have been charged for over draft fee and late fees on my acoount when my account wasnt set up for that
Product: Checking or savings account

Hello! 
I opened an account with Wells Fargo in XX/XX/XXXX with the impression that I was going to receive the bonus checking offer. I made sure I met all the requirements within the time frame. I searched how long it would take for the bonus to be in my account and it said 45 days. 

So I waited for 45 days, and then I called their customer service line in XX/XX/XXXX. I was told by the customer service rep that it's 45 BUSINESS days and to wait a few more days because I did hit all the requirements. I'll receive a message in my account letting me know that I successfully met all the requirements and when it will be deposited. 

I called again in XXXX since I haven't received it yet, and then I am told that it's because I didn't meet the requirements. I asked to speak to a manager and was transferred to " Escalation Support ''. XXXX told me that she will file a report and have it " further investigated ''. I explained that I was already told I hit all requirements. I wanted an explanation as to how, all of a sudden, I'm no longer eligible. She couldn't explain why, but said I'll receive an email or a letter in the mail. 

A month later I received a letter saying that I didn't meet all the requirements. 
The requirements were : 1. Open an account through the link I got in my email. 
Which I did. 
2. Deposit at least {$25.00} I deposited {$50.00}. 
3. Receive a total of {$3000.00} or more in qualifying direct deposits to the new checking account within 90 days from account opening ( the qualification period ). - I had direct deposits of at least {$4500.00} *I am in a participating area. ( Zip code is XXXX ) *My account never reached {$0.00}. 
*I opened a regular checking account. 
*I am a new customer. 

I attached : 1. 3 bank statements showing I met all the requirements. 
2. The email of the offer I received with a time stamp. 
3. A screenshot of their current offer that's similar to what I opened with. ( The only difference is now it's {$4000.00} instead of {$3000.00}. 
4. The letter that they mailed me after being told I didn't qualify for the bonus. 

As of today, XX/XX/XXXX, I closed my account over the phone. Explained this reason again and all I got was " our apologies ''.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my XXXX XXXX and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I need help! 

Every single check I have deposited into ANY of accounts for the last 8+ months have had a 10 day hold placed on them. It doesnt matter which account, whether it be a savings account or a checking account, the bank will easily accept the checks ; however, once deposited, the next day I am notified that Chase Bank has placed a 10 day hold on my deposit. The way I was notified was by logging into my account and seeing that my account had a hold on it. I was not even given the courtesy of an email or a text message saying this had occurred. 

Every single time this occurred, I would call Chase and do everything I could to get the check released. I have been denied access to my own money more times than granted access to it. Every title time I would call I was told I was randomly selected for a 10 day hold. I could understand this if that was truly the case. The Customer Service Representatives say the same statement that its complexly random. On one occasion, the Customer Service Representative told me a check issued by the courts through my Attorney was a fake check. My Attorney had to get involved in this and still, nothing came of it. Every single check Ive deposited has had a hold on it. This is not a random system, I am being discriminated again.

I sell Real Estate and I also own rental properties. On many occasions I will have large sums of money coming and going from my bank accounts. Up until 8 months ago, I have never had an issue with any checks I've ever deposited! 

Now, because of the random out of control 10 day holds Chase Bank has placed on ALL of my accounts, MY BANKS actions, I have resulted in my credit being ruined, having credit cards shut off, having checks bounce and my staff 's payroll was denied. Every single instance this has happened, its all because of Chase Bank placing a 10 day hold on all of my deposits. 

I write to you today because I need help! As a single male I run a few businesses. Others depend on me for their livelihood. Chase Bank is deliberately causing much undue emotional and financial stresses and ruining not only my reputation, their actions are ruining my business.
Product: Checking or savings account

I was sick and and paid for a medication from my checking account. Unknown to me that {$16.00} would make my balance to be overdrawn. When I realized this today, I paid in {$300.00} but surprisingly, Bank charged me {$35.00} for {$16.00} in less than 24 hours transaction. All my efforts to get {$35.00} reversed proved abortive. The staff even refused to transfer my request to a senior staff above him.
Product: Checking or savings account

I am moving states from XXXX  to XXXX. I opened this account a month or so ago for my fiance and I to build bill money. My tax refund was also deposited into this account for our security deposit, rent, and furnishings. We realized the XXXX amount would not be able to cover our monthly rent so I went to withdrawal and potentially close the account. 
I went XX/XX/XXXX at XXXX to location on XXXX XXXX in XXXX XXXX told by XXXX - i cant close my account- i am not allowed to withdrawal XXXX like listed on the website- you can only withdrawal XXXX - but we have a cap of XXXX you can withdrawal XXXX - he had to get his managers to accept my withdrawal- was told to come to other locations back to back to just keep withdrawing XX/XX/XXXX came to XXXX XXXX to close the account and withdraw at XXXX - was asked for my address i said " it should be the one on my license or if not oh no did i set it up for the new house? '' - gave her chesterfields address - she told me my account was closed due to being fraudulent - there is no reason they can give me- i asked for documentation/proof of this she said we cant do that- i asked to speak to a manager ( XXXX XXXX ) - he said when they close they dont give us reasons and your funds will be sent to the address on file ( XXXX  ) - i explained this payment is for me to get the keys to that place i cant be waiting for mail there when i havent gotten the keys- he said the only thing he can do is request for the funds to be released here - said it could take hours- i said i dont care ill wait this is ridiculous I've never not been able to close my account due to a cap of withdrawal amount from the bank. I've never been placed under review for fraud due to where my money was coming from. This was XXXX  deposits and IRS tax refunds. There is no reason for my account to be considered fraudulent, closed without notice or reason AND refusal to document anything or give me proof of closure.
Product: Credit reporting or other personal consumer reports

They refused to update the status of the account on my credit report american express is reporting a debt that has not be validated i asked for it to be removed the said its in litigation but if its litigation it should not be reporting as charged off on my credit report they sent me a letter stating its in litigation and for me to contact a 3rd party company who is not on my credit report it clearly has american express on my report " We are unable to respond directly to your complaint. In accordance with our normal collection policies and practices, your account is currently in litigation. The suit was filed on XX/XX/year>, in the XXXX XXXX XXXX XXXX, case number XXXX XXXX CC- XXXX XXXX. Please contact XXXX XXXX XXXX XXXX with any questions or concerns at XXXX. Their hours of operation are Monday through Friday XXXX am to XXXX pm PT '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of the information they report. Specifically : FCRA 1681i ( a ) ( 1 ) ( A ) : The credit reporting agency is obligated to investigate disputes and correct or delete inaccurate information promptly. 
FCRA 1681s-2 ( a ) ( 3 ) : Furnishers of information must update credit reporting to reflect the disputed status of an account if the consumer has formally disputed it.

FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports. 

My rights have been violated for months and months with is inaccuracy and nobdy has done nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with Zions Bank through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by Zions Bank regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that Zions Bank will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as Zions Bank was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per Zions Bank the check was later found in a lock box that Zions Bank failed to check their own mail for 30 days. We feel Zions Bank has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from Zions and will share with your company. Despite our efforts to abide and pay our mortgage, Zions Bank has reported me with a 60 day delinquency on my credit report. I have sent a request for Zions Bank to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that Zions Bank has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by Zions Bank that were were being reported to a credit agency.
Product: Credit card or prepaid card

They still have not answered my complaint regarding rewards. 
And they are also not providing me informational Statements of any kind. 
They charged me a late fee of {$29.00}, then another of {$40.00} - it appears they are doing whatever they want with this account, no accountability and charging any fees they want, and NOT honoring the points earned while using this account. They closed my account for no reason, I was NEVER late and they continue to do whatever they want with my account with no recourse???? 
see attached
Product: Credit card or prepaid card

Chase Credit Card company is charging me for a bed from XXXX XXXX  I neither wanted to buy, nor did I ever receive. I instituted an investigation online, on phone, and by written letter with the help of the FTC. I have never been given a response to my complaint of fraud and have only been told that the charge is valid. I have never received a bed. Chase 's contract on their credit card statement states that if I don't receive an item charged on my account, I would not have to pay for that item. They have never given me proof I received this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
TOYOTA MTR No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

XXXX Apartments charged me {$9000.00} for an apartment I didnt reside in in XXXX. It is XXXX and Im still being affected by this. I called and left emails to let them know and they failed at answering my questions.
Product: Student loan

Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account, over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved, for fear of further erroneous postings and payment application leading to additional collections of false debts. The same Navient manager told me that his time trying to explain my " missed payment '' was a " courtesy '' to me and that he did n't have to do so.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT {$1200.00} is not mine. I have no knowledge of this account.
Product: Debt collection

My dept is now in collections to another agency which means it was paid in exchanged. I no longer have obligation to pay this dept once it is paid off. Now I just have a agency harassing me to pay them instead when I did not sign a contract with them.