23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Me and my wife at the time, switched our cell phone services at the end of XX/XX/2021 to XXXX. Due to the low inventory at the XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, OH, XXXX, we purchased XXXX XXXX XXXX XXXXXXXX XXXX at the same time but they had to ship them out separately because they did not have them onsite. The problem lies in the fact the incompetent associates created XXXX separate accounts, when the XXXX phones should have been put on the same account. When we got out our phone, I got mine first, and then when my wifes came, they did not put her line on my account. However, XXXX incompetent employee created a second line, and then they left it open because we ported our phone numbers from another carrier to XXXX. My current account number is XXXX. XXXX, and the other one they created and left open, which should have never been created was XXXX. XXXX. The thing that really XXXX me off is XXXX never even told me that I had a extra line open and they charged it off to Diversified Adjustment Service , Inc. XXXX. XXXX, for a line that should have never been freakin created in the first place for {$70.00} in collection. XXXX never sent me letters about this, or they did not acknowledge their mistake. 

This is the most mind-boggling thing about this XXXX company., even if I was responsible for this XXXX XXXX charge, why would you XXXX not charge it on the merged account that both phones were put on. Why would you create XXXX separate accounts for people when they are coming over as couple and you trying to save them money by bundling. So I am in collections for a charge line that should have put both me and wifes phone on the same account. Now they wont let me add my XXXX XXXX to my cellular place because of this bogus account in collections for a charge that should have never been incurred. I am so XXXX off this cell phone company that is so big they feel like they have a monopoly in the market. Im contacting the federal trade commission regarding their billing policies and not appropriately reaching out to me before charging me for something that is not accurate.
Product: Credit card or prepaid card

Since I open this account in XXXX I have made a number of requested to increase my credit limit from {$20000.00} to {$22000.00}. Synchrony Bank has repeatedly refused to make ANY increase stating that " The requested amount exceeds the limits set by our credit policy '' without stating what those limits are or increasing my credit limit within those limits. BTW, I have a credit score of approximately XXXX and a yearly income over {$240000.00} and have NEVER missed ANY payment in my life.
Product: Debt collection

This debt collector has been sending me very stupid emails earlier this year constantly, never called and never sent mail. Just stupid emails threatening me saying they will not let this go and generally trying to intimidate me. 

I called them and was told it was from XXXX XXXX, I was also told they would not stop emailing me unless I sent a letter asking only for mail communication. I did so in XX/XX/XXXX, I requested validation and verification and for all communication to be via mail, no more stupid emails. 

I never heard back. 

On XX/XX/XXXX they placed a debt of {$160.00} on my credit report. In XXXX I spoke to XXXX and was told this was from missing gym fees and an annual fee charged in XXXX. 
I explained to This debt collector when I called and via mail, I no longer lived in XXXX  and attempted numerous times to cancel my membership with blink way before XX/XX/XXXX and XXXX gave me the run around. XXXX  has a habit of doing this and refusing to honor member cancellations. 
I explained to This debt collector I owe maybe 1 or 2 months gym fees but not the annual fee. I had cancelled my membership long before that. 

I simply never heard back from them. As I said no longer live in XXXX but I have all my mail forwarded to me and I have received nothing from them. 

It is XX/XX/XXXX and they took a harmful action against me in XX/XX/XXXX without following the law, they did not provide the information requested. They simply did not communicate. They obviously received my letter since the emails stopped instead they ignored it and now illegally and purposely are causing harmful injury to my credit record.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my most recent credit reports with ( Experian, XXXX, & XXXX ) I noticed address that DO NOT belong to me, nor have I ever lived at these addresses. I believe them to be of fraudulent activities and demand that they be removed. 

The address which I do not recognize are as follows : XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. XXXX
Product: Debt collection

I checked my credit report yesterday ( I haven't check my that for a while ) and surprisedly found a {$200.00} collection record from EASTERN ACCOUNT SYSTEM reported in last XXXX. I've never been contacted or notified for this debt at all from neither creditor nor collection agency.
Product: Checking or savings account

Information came to my attention that all my accounts are being closed due to suspicious activity. There is absolutely nothing I am doing wrong and there is XXXX suspicious activity going on in my company and for Wells Fargo to decide and close my business account all of a sudden with little to no notice abruptly is unacceptable. This is effecting my business because my employee is no longer able to retrieve money from account ending in XXXX. My Business can not operate and is currently closed because My employee is no longer able to pull money from this account to run my Business. I need this account and the rest of my accounts unlocked as soon a possible. This is not acceptable. Nothing has changed from our initial implementation and discussions we had. Why is it all of a sudden what I was doing from the very beginning all of a sudden suspicious? I have always deposited the same amount because it is a liability for my business to hold more money at the business locations due to safety and risk of thieves breaking in and stealing. This is not ok and I really hope you fix this situation because my businesses in Northern California are currently closed because my employee can not retrieve money to run my business. We are a XXXX XXXX and we pay cash to our customers for the material that they recycle with us and we do not have cash to pay customers now and are closed. We are paying rent here and losing customers constantly. Please let me know soon as possible. Thanks.
Product: Credit card

On XX/XX/year> I was referred to " Acima Leasing '' by one of their participants for a purchase. 

Prior to signing up and applying for a lease to own with Acima I was told by the employee that Acima Leasing reports payments to the credit bureaus ( which was the main reason I applied due to me building credit ). I then double checked and all advertising seen for Acima stated that they report to the credit bureaus/Credit building company . 

My purchase amount was for {$550.00} by making payments of {$35.00} every other week with a early buy out option. 

This complaint is being submitted for receipt of a 2nd attempt of effort and negotiation with Acima Leasing and affiliates, before escalation if needed. As a consumer it is my legal right to have all contracts like the one with Acima to be Fair and contingent with advertising and agreement with certain conditions being met. In this case, I have upheld my bargain of the agreement between myself and Acima by making the bi-weekly payments. However Acima Leasing has NOT done the same and has operated and conducted themselves in Negligence, Unfair business Practice and Trade, False Advertisement, and purposely failed to conduct business by fair measures by misleading and lying about the terms and agreements.

By law my contract with Acima Leasing has been breached by Acima Leasing by 1. Not reporting to the credit bureaus as stated and promised. 2. Not upholding or communicating in regard to options that are beneficial to me the consumer ( ie : Early buy out option ) I was actually told by an Acima representative that they do not remind ( No emails, Texts or calls ) consumers of when their early buy out option is available, even though consumers have multiple chances of early buy out options, I was told consumers only had one chance. 3. Due to unfair business practice I have no paid over the early buy out option 4. False and misleading scare and extortion tactics by sending emails and reminders as well as phone calls falsely claiming that my lease has " expired ''.
Product: Checking or savings account

On XX/XX/XXXX I used the Chase app to deposit a check that was subsequently returned to me with a {$12.00} fee saying that Chase " can't locate the account. '' What seems to have happened is that the app detected the first four digits of the check account as " XXXX '' rather than " XXXX ''. In my correspondence with them, I asked them if I could try redepositing the check, and attached attached screenshots of the relevant details from that transaction ( including the check ). 

They offered to accept the check by mail and deposit it, but would not refund the fee. 
I once more requested that Chase refund the {$12.00} fee for not being able to find the account. I don't think it's reasonable for me to be charged a fee because the bank was unable to locate an account due to an error in its app.
Product: Checking or savings account

Bank of America closed my account on XX/XX/XXXX without telling me the reason and said they will send me a check back for my balance in my closed account which is about XXXX dollars. After XXXX week they said they need to review the funds source and hold the money. After XXXX month when I called them, they said told me the hold harmless department is holding the money and will not give back to me in the future. I asked for a explanation and they are not giving me the answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX TransUnion are reporting information on my credit reporting fraudulent accounts on my credit report
Product: Vehicle loan or lease

Purchased car XXXX XXXX, 2017. Received first statement dated XXXX XXXX from Bank of America and made payment in full. Received second statement dated XXXX XXXX with a payment due date of XXX. XXXX. The latest statement shows an amount due and shows a {$0.00} past due amount. I have received several calls a day for the past two weeks advising me the loan is delinquent. I requested a supervisor who told me the issue is that the loan was incorrectly processed and needed to be back dated. I requested a statement with the correct balance and asked that the online web site also reflect a past due if this is the case. Nothing from BOA. Received another call telling me loan is past due and will go to collections. I have requested BOA send me a correct statement and stop requesting money without putting it to paper. I also asked they stop calling me morning, afternoon, and evening. The only thing they have used to support the loan being past due is by phone. Nothing in writing or on a statement. I have attached my current statement showing {$0.00} past due. This loan was backdated and they are attempting to cover something their mistakes. I believe this is the reason they refuse to bill me on paper and only verbally request payment.
Product: Credit card or prepaid card

I have held a Citi Mastercard Credit Card since XXXX, back in XX/XX/XXXX, I signed up for Auto Pay for both the minimum payment plus an additional {$2500.00} to budget my account, I was under the assumption that first Auto Pay in the amount of {$2500.00} would be in XX/XX/XXXX. At the end of XXXX I made an over the phone payment in the amount of {$3000.00}, reviewing my bank statement, I noticed Citi had withdrawn already the {$2500.00} ( Auto-Pay ), so I decided to make a stop payment with my bank for the {$3000.00} - there was no need to credit my credit card account for {$5500.00} since I had met my obligation in the amount of {$230.00} ( monthly Auto Pay ) .. Now, on XXXX XXXX, they notified me that my account was closed due to the fact that I had placed a stop payment on the {$3000.00}. ..I feel it is unfair since I had met my monthly payment obligation per our contract and on top of that an additional payment in the amount of {$2500.00} They have been unwilling to resolve this issue and have been forced to seek Legal Aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Navient due to fluctuating amounts due on each of my student loans every week the prices reporting on my credit score fluctuate from owing 3k to 4k to an  increase of 8 to 9k. This is inaccurate beyond belief. My student loans are already investigation for student loan forgiveness from attending XXXX. When Sallie Mae which everything over to Navient, I've had nothing but issue they report late charges when I never had a single late charge and this goes on for months. I contacted them and they told me there was nothing they could do. This company is a fraud! Gouge students loans so not only will they never pay them off but effects everyone 's credit scores, this is a negative ripple affect. This needs to be addressed and taken care of not only for me but 1ks of people.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous and Associates is a terrible collection agency. Told the company I wanted this account removed from my report post payment in full for balance on XX/XX/XXXX for {$160.00}. Collector reported bad information back to XXXX XX/XX/XXXX with the account showing " open '' when it is closed, Collector re-reported the collection balance as " {$160.00} '' when it is " {$0.00} ''. Collector does not follow good practices and has no urgency to fix the problem even after explaining this big error on their behalf took another tool on my credit report. Terrible service and company! Have disputed with the Credit Bureau twice with no resolution. Being the account was a collections account this took another hit on my credit.
Product: Checking or savings account

I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''
Product: Debt collection

sent ftc and violation b/c of their hackers or data being hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months, I have disputed XXXX claims on my credit report. I have the receipt to show XXXX is paid off and a detailed record of the billing from the XXXX nd disputed report that clearly shows the amount is not accurate. I have submitted these to experian, I have been allowed to speak to them once and provided a direct email address to send the information too. When I send a receipt showing paid in full, and they continue ue to say it is not paid and hasn't been as the result of their " investigation '' and the detailed billing showing, with out any question regardless if the company 's own billing information is correct, simply responded with their investigation concluding " the other party s swears that they are representing a company and that they swear the bill is accurate ''.
Product: Debt collection

Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.
Product: Credit card or prepaid card

As a result of identity theft, someone fraudulently opened a Chime account in my name. I received the card in the mail along with information for activating it. I informed Chime that the account was opened fraudulently as a result of identity theft and they blocked the card from being used but refused to close the account. They do everything by unencrypted email, which is completely insecure, and refuse to speak on the phone.
Product: Credit card or prepaid card

I have a Synchrony Lowes credit cards. I paid the account in full. There was an interest charge that was added to the account for approximately {$4.00} that became overdue. I never received a bill, statement, or phone call to let me know that this amount was past due. This resulted in Lowes reporting negative payment information on my credit report.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. This is the account that I'm disputing : XXXX XXXX XXXX XXXX. Please delete this account immediately.
Product: Debt collection

XX/XX/2021 I received a phone call from a man saying they were with XXXX XXXX looking for me. They obviously examined the inside of the residence to conclude I was not there. They needed me to call back for them to hand me papers etc. next I get a call from a lady on a different phone number asking about my auto loan debt and said that she had a guy looking for me ( Im assuming the XXXX  XXXX guy ). The call drops and I get a mean voice mail saying legal action is being taken against me. She said she is going to report the car stolen if I dont call back in 15 minutes. Obviously it clicks that its a repo company that represented themselves as XXXX XXXX to get me to call and give them my whereabouts. I am out of town, the vehicle is with my sister. So I call back and give them the address where its being held. They used scare tactics and threatened to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.
Product: Vehicle loan or lease

I am a victim of identity theft loans and inquiries was open and applied for without my consent. I have sent the Experian a copy of my identity theft report but they have yet to help me in this situations.
Product: Debt collection

Since this year they have been harassing me about my credit card debt which it was cancelled without any warning and also has been on automatic payment, the reason it is really difficult to dela with this people is because I do nkt know them, my bank is from XXXX but they are not even in the Gulf and eventhough they might be a third party, they are stalking me on the Internet, called my employer, eventhough I already had contacted the bank months ago about keeping my account open and trying to keep the funds so they can debit the money,.
Product: Debt collection

Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.
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. 

Account name : XXXX  XXXX Bankruptcy Account name XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023