23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I went overseas the XX/XX/XXXX thru the XX/XX/XXXX. I informed HSBC Bank that I was doing such, and that I would be taking and using both my advance card as well as the premier card in XXXX. On the XX/XX/XXXX, I, and family and friends went to a big department store to purchase items for them..total bill was {$290.00}, to my surprise at the register with all looking both of my cards were declined. Again the same day, we went to purchase food for the babies, as well as ourselves and again both cards were declined. 
I called the card people and spoke with supervisor XXXX who advised me that the caards are both in good shape, order and standing, and both paid way ahead. I asked her then why declined?? She proceeded to say it was a chip in the card and or the stores computers did not work. REALLY!!!!!!! She apologized and said that both cards are ok to use.I waited two days then went to purchase at a very exclusive jewelry store a bracelet for my lady, and WOW ... ... again declined, my daughter had again to pay cash for this as well as the other two stated above. Again I called these folks and this supervisor now advised me that their was a big robbery, fraud investigation, worldwide breach, and theft at the corporate level and all card were being declined. 
Back to NYC, I called and spoke to XXXX XXXX, who apologized and advised me to proceed with whatever I wish to do. 
On XX/XX/2019, this same card was used six ( 6 ) times by criminals in Maryland and Conn. and out of the 6 times the card was used the great HSBC Bank approved the criminal activity and yet this senior citizen is having to fight to get justice from this fortune 500 company to try to get his money back to reimburse his daughter to be who paid for this banks stupidity, negligence, and ignorance, on a card that was well ok from the very beginning
Product: Checking or savings account

In XXXX I filed a claim through wells fargo for a dating website that I spent XXXX $ on. They credited my account as I told them the services were faulty and the app kept deleting my account after I've paid all of this money. As of two days ago, XX/XX/XXXX I recieved a letter from wells Fargo stating they were reversing the credit because they didnt have enough information when In fact i gave them every piece and detail of information. So i called and had to tell them again, to reopen the claim. The next day i checked my bank and it was XXXX, as it had sucked whatever remaining funds out. I am a XXXX XXXX year old, that receives government money and can not afford to pay this without losing my living situation etc. I am trying to get on my feet and save up for my own car and this makes it absolutely impossible to achieve my goals. Wells fargo is awful. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXX Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest
Product: Debt collection

I NEVER GOT ANY VALIDATION VIA MAIL OR ELECTRONICALLY
Product: Debt collection

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was apart of the Data Breach at Equifax. I only found out yesterday. I looked over my credit report and found a lot of false information. Even for old accounts, I have amounts that supersede the card limits and charge off that should be removed. I have names on my credit report that I have never used. Inquiries I never asked for.there are several cars and maybe apartments inquiries I never looked into. I noticed too many collections on there as well as miss spelling of my name and version of my name i never used. I see addresses I never lived or heard of and would like all these removed.
Product: Debt collection

XXXX, XXXX along with AVANTE interntionally ignored.your findings of filed .CFPB dispute 's
Product: Debt collection

This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.
Product: Debt collection

I have been contacting Toyota Financial Services regarding several accounts that I do not owe anything. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for Toyota. And lastly a incident report because Toyota has forced me to contact the police to resolve this matter. I have been dealing with this issues for years and it has affected my life very badly.
Product: Debt collection

I was unjustly accused of having a dog residing with me I have proof dog didn't live with me and they never provided proof he did. 
In XX/XX/XXXX, the Maintenance team conducted a pre-move-out walk-through inspection and did not report any damages., On XX/XX/XXXX, the landlord provided a positive rental recommendation letter, confirming compliance with the rules and the sole occupancy of the apartment. 
On XX/XX/XXXX, I moved out and left the key in the apartment, I was not able to be present during the final inspection. Subsequently, on XX/XX/XXXX, I received a move-out statement that included questionable charges. These charges amounted over {$2300.00} for alleged dog XXXX damage to the carpet, unauthorized pet fee, and other expenses, totaling {$2300.00}. The landlord refused to allow me to present my case when I reached out to them about the large bill. The landlord swiftly issued a bill by XX/XX/XXXX, followed by a warning letter on XX/XX/XXXX stating I needed to respond by XX/XX/XXXX and I responded on XX/XX/XXXX because I didn't want this to impact my credit and needed time to fight this is the only reason I offered to make payments. I tried to communicate and arrange a manageable payment plan and was met with refusal and an unreasonable counteroffer from the management. Despite my timely response on XX/XX/XXXX, the management claimed non-response and swiftly involved a collections agency. The collections agency has aggressively demanded full payment, If the carpet was stained it was due to a faulty air conditioner that leaked and a portable AC provided as a temporary solution leaked as well. They initially, gave me a bucket for water to drip in. Furthermore, the exposed ceiling in the hallway, with cruddy and moldy-looking pipes, was left unrepaired due to the expense of the tiles and the risk of getting them wet. This issue lasted more then 2 months. Not only did I suffer in the dead heat of summer with a XXXX that leaked but now they want to charge me for their negligence. I had no pet live there to XXXX on carpet. XXXX. 

Multiple tenants have experienced similar issues I seen the reviews.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card

As a rule of thumb I do not sign up for credit cards that charge an annual fee unless they offer significant benefits ( points or rewards ). I signed up for an Aspire card with no annual fee originally ( and no real benefits ). They just changed the terms and are now wanting to charge {$5.00} a month ( {$60.00} a year ). I understand they reserve the right to change their terms but this kind of change is dishonest in nature. I will close the card right away but wanted to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX XXXX XXXX This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all six late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

Someone used my card and made purchases. This first happened in XXXX Now again 2 times in a row on XX/XX/XXXX. The refused to look into it saying it was pending except it wasn't Cause the money came off my card. Obviously the security they say they have is a joke. And their unwillingness to help me or protect my money is not a way a business that i trust my pay going to should work. They promised a supervisor would email me and that didn't happen. Still hasn't..and they still have not fixed anything from XXXX. This company doesn't train the employees about fraud or much anything really. Now my bills are past due my money is gone my daughters bday was today and cant even get her XXXX .Venmo doesn't even care!! Their security has to be better then this..so upset
Product: Credit reporting

I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.
Product: Credit card or prepaid card

On XX/XX/21 I Submitted a direct debit transfer from my prepaid CARD.COM card.When logging into my newly opened XXXX XXXX Account I found that it I couldnt access it so I immediately called and found out my account was in Closing because of the Large amount of direct debits well I awaited two weeks only to receive a {$500.00} check from XXXX XXXX this was my opening deposit and as for the second transaction for {$1000.00} I was very upset to hear that XXXX XXXX couldn't locate my money I had to file a dispute it actually took 2 weeks for them to locate my money and inform me about the investigation they informed me in writing that they did locate the debit transaction and in writing they informed me it was sent the day it was received back to card.com now since then I have submitted 2disputes with card.com and just two days ago was informed by a representative the closed my dispute.Well I told him that I have new evidence to submit the letters from XXXX XXXX closing my dispute and informing me it was sent back to card com I have not received nothing by mail I have updated my number and card.com has not attempted to reach out to me and my {$1000.00} translation has not been deposited back to my card.
Product: Credit reporting or other personal consumer reports

Experian has no way for a consumer to reach an agent for issues that can not be resolved through self service. I have called over 20 times to try and reach someone and have been unsuccessful getting a simple issue resolved.
Product: Credit card or prepaid card

My XXXX ( CITI ) credit card account XXXX was closed for no reason, my account was paid on time. Only reason my account was because I filed a complaint on my Shop Your Way account which is a Citi Bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect spelling of my name to Equifax Numerous of times. Began reporting it XXXX all the way up until today XX/XX/XXXX I have sent in several documents, I have uploaded my name correctly various times with a copy of my Social and Drivers License. Today I contacted Equifax Via Telephone Support Who again Requested that I send my Full Amount of Legal Information Via Mail. Stating That I should Send a Copy of my Drivers License front and back, a copy of my Social and include a Letter showing all verification of My information. After speaking with One Representative and XXXX Supervisors who continuously stated that they arent allowed to see the uploaded documents that are on Equifax. I asked for information to be able to file a complaint and the Supervisor XXXX stated I am unable to make a complaint unless I am fully verified which I can not be verified unless I send them All of my information and documents. I stated to them I have uploaded this onto the my.equifax.com site several times and They have denied the request on many of occasions and took my real name out and made it a formerly known as name, which is absolutely incorrect. They stopped assisting me stated since they dont know who I am They cant Assist me even after the initial verification I gave the first Representative and Supervisor. 
I will be uploading proof on this site, but i will mark out my sensitive information because I am unsure if this site shows sensitive information. On the Equifax site the information is not marked out, and has been uploaded In its original form.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX  XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have contacted my credit card company Chase bank and notified them back in XXXX that I had lost my job due to the coronavirus and am out of work and have not recieved any unemployment yet from the state. The told me they can defer my payment for 3months and now I am getting my statements with interest accrued onto my cards for not paying them?? How can one pay the cards is no income what so ever is comming in due to financial hardship?? This should not be allowed especially since my credit history has been very good and I have always paid on time and also paid more then the minimum required amount. 
I have called XX/XX/2020 and called XX/XX/2020 and XX/XX/2020. I get told they can add interest if not paid even thou despite the fact that I am out of work due to the coronavirus.
Product: Debt collection

Experian is illegally reporting a collection account that has been previously deleted. The company is illegally allowing XXXX XXXX XXXX to report a collections account for an account with XXXX XXXX in the amount of {$950.00}. This account appears on my credit report and is negatively impacting my credit as well as my mental health. This account has been paid in full and previously deleted but has reappeared as a collection item.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint regarding a loan that was established in my name without my authorization. On XX/XX/XXXX, I received an alert notifying me that a loan had been funded by your company under my identity. I had neither applied for nor approved this loan, and I believe this constitutes fraudulent activity. 

Upon discovering this unauthorized transaction, I immediately returned the loan amount to your company. Despite my repeated attempts to resolve this issue, including contacting your representatives daily, I have yet to receive a refund for the fees associated with this loan. Your refusal to return the fees is not only unjust but also highly concerning, given the circumstances surrounding this fraudulent transaction. 

I demand the following actions be taken immediately : Refund of all fees associated with the loan. 
Written confirmation that the loan has been fully closed and no debt remains in my name. 
A formal investigation into how this unauthorized loan was processed under my identity. 
Removal of any record of this loan from my credit report.
Product: Credit card or prepaid card

Over a year ago I requested this company close all accounts and cease contact with me as their methods constituted harassment. They have not done so.