23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is for the Macy 's credit card from Citi. Back in XXXX, I started to see notifications on the website that I needed to update the Authorized User information on the account and if I did not, they would disable the Authorized User account in XX/XX/2024. I went to the Authorized User information to review the information and everything was correct ( before I even access the information, there is an error message 'Missing of Invalid Address ' ). I select to edit the authorize user information, to review the information - everything is correct and I hit enter, and received an error message on the City field that numbers or special characters were not allowed. My city does not have numbers or special characters ( although since it is XXXX words, it does have a space in it ). I re-typed it with no spaces, hit save, and recevied a green check mark that everything was ok. I also received an email confirming I had changed the Date of Birth for the authorized user, even though I did not. I then went back in to check the change, and the original city name was back in there. Please note that the address is identical to what I have for the Primary Cardmember, but have not received any error messages for that AND this has been the same address for the authorized user since they were added awhile ago and has never changed. Then, I used the Secure Message function that is listed about XXXX  times on the site to explain the issue and immediately received a message back 'This secure message account is no longer in service, and incoming messages are not monitored. ' ( then why is it on the site.!!! ). I called customer service and was told there is a problem with the system- they deleted my online account and I had to reinstate it, but I'm still getting the same problem. I complained through XXXX to them and they had someone call who left a message. I tried to call them back several times and they never anwsered. I just need them to fix this issue. It is their issue, yet they are threatened to shut down the account. How do I get this fixed and why do I have to spend so much of my time trying to get it fixed?
Product: Credit card

My balance has never gone down no matter what is paid. The interest rate is compounded which caused me to be late once. I have asked why my balance has not gone down since i have not charged anything in more than a year. Unable to get any clarity.
Product: Debt collection

On XXXX, XXXX, XXXX, I received a notice from Midland, claiming they were considering a lawsuit against me, in regard to an alleged account with " XXXX XXXX/XXXX ''. I contacted Midland, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from Midland, dated XX/XX/XXXX, during that 30 day period. I contacted Midland again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.
Product: Money transfer, virtual currency, or money service

i was contacted by XXXX XXXX on XXXX. Ms. XXXX, obtained an attorney, Mr. XXXX XXXX XXXX XXXX Mr. XXXX indicated that Ms. XXXX has funds that she could not access, and that she needed help. They both furnished copies of thier identification, along with supporting documents from the XXXX XXXX All documents were faked. The aforementioned indidividuals did create, and further produced bank account information that was totally false .... In an effort to assist miss XXXX, i did in fact send her {$750.00} ... It was all a scam ...
Product: Mortgage

I received a bill for an underpayment in my escrow due to under estimates in my county taxes on my home. The balance of underpayment is XXXX of my 2023 taxes and after paying that in a lump sum my mortgage will still be increasing by over XXXX dollars a month. I've reached out to my lender and they have given me no help, only told me to go to the county. I went to county accessor and they told me it's most likely my escrow company completely failed to do their job in properly estimating my property tax. I've communicated this to my lending company and they still refuse to work with me at all. I will be reaching out to the escrow company but spoke to someone else who had the same experience with the same escrow company and was told they just hung up on him when he reached out. 
I will be going directly to the escrow office Monday and writing a formal complaint to the corporations commissioner if they refuse to speak with me. 

I need any and all the help I can get. 
My lender is Bank of Texas and the Escrow Company is XXXX XXXX out of XXXX XXXX, CA
Product: Debt collection

XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.
Product: Checking or savings account

I won a lawsuit and deposited my check/ cash into my account. The bank froze my account and took it from me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Consumer reporting agency EQUIFAX has violated my federally protected consumer rights under the civil liability for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ). 
By Withholding account data with intent to negatively affect my consumer credit score, by falsely reporting on two of my accounts in the Comments field Charge Amount in H/C column is credit limit which report {$0.00}. And withholding account data in the Credit Limit field on eight of my accounts which report {$0.00}. With intent to negatively affect my consumer credit score and utilization.

Which I upload to provided factual information directly from my consumer credit report.

15 U.S. Code 1681n Civil liability for willful noncompliance ( a ) In general, any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX  XX/XX/2023 XXXXXXXX XXXX XX/XX/2023
Product: Checking or savings account

On or about 2009 The original Banking Institute Bank XXXX was bought out by BB & T as to their Financial hardships. Since BB & T/ TRUIST have taken over this grandfather account, this Banking Institution Have Strategically attempted to have this Account Confirm to their New Rules and Policies. The Non Agreement of NON-Compliance have caused for this Final Correspondences before a Civil Lawsuit is Filed as to the Unlawful Malicious Actions and Actions as to the Alleged Return Statement Fee, in which the Alleged Statement have not been sent out and in is not in the possession of the Account Holder. Over the Course of a Two Year Calendar this institution have unlawfully Seized Fees and Costs that they are not intitled to and never in any agreeance of, therefor the Account Holder is Requesting for " ALL '' The Fees from Their Inception of this account to be refunded with Compounding Interest within Ten Days. This Is the Last " Good '' Faith effort to Finallly Resolve this matter as Time is of the Essence.
Product: Debt collection

i do not believe the debt ( XXXX XXXX ) & XXXX  XXXX ) that is reporting on my credit report is valid. and i would like for it to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation collection JHPDE FINANCE I , LLC FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information on Charged off XXXX XXXX accounts XXXX. Experian is reporting Last Payment Date of XX/XX/XXXX and the payment history is reporting XXXX. This information is inaccurate and inconsistently being reported. I have attached a copy of a recent Experian report dated XXXX XXXX showing the inaccurate and inconsistent reporting of Last Payment Date being reported. I have highlighted in yellow showing the inaccurate and inconsistent Last Payment Date. Experian please see attached copy of my Experian report showing the inaccurate and inconsistent Last Payment Date in yellow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX XXXX, that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, Experian, and XXXX XXXX ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third party affiliates such as XXXX, XXXX, and XXXX. You have knowingly and willfully with held information that explained I, the consumer, can exercise that non disclosure right. You are in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX  XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Money transfer, virtual currency, or money service

This is on crypto.com I have money on there for buying crypto currency and I want to withdraw. I had a bank account there was with XXXX XXXX. They are telling me that XXXX XXXX filed the dispute against me so I can not withdraw my money and I have to show them proof of a dispute cancellation letter. I spoke to XXXX XXXX a couple times and they told me there's no such thing they can not give me a dispute cancellation letter because I didn't file against crypto.com. this is been going back and forth with crypto for months now at least 3 months. I was finally allowed to change my bank account to a stride bank which is chime so I was just recently allowed to put another {$20.00} on there through my chime account and they're still telling me that there's a dispute letter cancellation I need to come up with because they're fired somebody has filed a dispute against them for transactions they are lying son of a guns I want my money back I want to be able to withdraw my money I have over {$300.00} on there and they won't allow me to touch it this is just wrong I wanted to snapshot a conversations but I'm unable to do that. I am money sure how I'm supposed to get these chats to you my email is XXXX What can I possibly do about this and how can you help me please I want my money back and I want to close this because they are full of it they're Liars and they're just trying to hold onto my money and that's just wrong I don't even know the word for it but it's wrong
Product: Student loan

I paid XXXX to Lincoln Technical Institute. To find out now that the charges are false. And were not accurate. I would like Lincoln technical institute to give me my money back.
Product: Credit reporting or other personal consumer reports

My recently checked updated personal credit report still has some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continues to report inaccurate information. My only name is XXXX XXXX. There should be no other names listed. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address is incorrect and you do NOT have my consent to report. This is my character that you are damaging and you are subject to federal penalties for further inaccuracy. Take note of this notice XX/XX/year>!
Product: Student loan

My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.
Product: Credit card

I ordered some items on XXXX XXXX and my items was supposed to deliver to my address. I didn't receive my package and addressed it to the merchant and also to my credit card and they told me that they will dispute it and should get an answer 7 to 10 business days and after that they told me that they investigate it and that the charges are valid, the only thing they did was to track the tracking info in XXXX  and shows delivered. There isn't any picture or proof of delivery. I called XXXX and tried to do a claim and they told me that the merchant didn't reach out to them to file a claim and that they are the only one that can file a claim since they are the merchant. To be honest, they are really incompetent, they aren't doing their jobs and always like to their customers extending the debt and now every month I'm being charged interest.
Product: Credit card or prepaid card

my discover card charged me 3 returned check charges, even though i never used any checks and its there fault that they did not collect the payment. But i paid my bills. 
XXXX XXXX, 2023 RETURNED CHECK CHARGE {$30.00} Fees
Product: Debt collection

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact me and my credit. Despite my consistent efforts to resolve this directly with the reporting agency and debt collectors and it remains unresolved. I request immediate investigation and deletion from my credit report as it incorrect and does not reflect accurate data of my credit history.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX {$6500.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX FIN - XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX Accounts : XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX CAP XXXX - XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX {$1500.00}