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

XX/XX/XXXX is when my credit card with Citibank was closed by the system due to having returned payments, but the bank has not consulted me and their algorithms determined that it was worthy to close my credit card completely without an evaluation on what is going on with me financially at the time. I made several small payments towards the card but underestimated my finances at the time to cover those small payments. Believe the total was XXXX dollars. 

I believe that it is a petty reason to close my credit card without allowing me to pay for those fees along with the monthly payment and just to conclude their service for me. 

They closed the card based on returned payments, and I have been their customer since XXXX.
Product: Debt collection

I was not notified of a remaining charge on my account that could be disputed and am now being charged {$3700.00}. A letter was never received, and I was not called or emailed by Comenity Bank XXXX Credit Card.
Product: Vehicle loan or lease

Lexus financial services received my payoff cashiers check by their own admission XX/XX/XXXXXXXX I was advised they are behind in processing lease payoffs and it will take 30-45 days to complete. We are past that time, the payment was never applied to my lease acct leaving it to show delinquent. Lexus has reported my payment as 30 days past due to the credit bureaus although they have been paid in full for the vehicle. This has caused my credit score to drop XXXX points. 

The company has also practiced poor business in terms of my basic warranty thet are saying expired XX/XX/XXXX as the date of 1st use. I purchased by lease the car XX/XX/XXXX and was advised the warranty was XXXX miles or 48 months whichever comes 1st and my vehicle had XXXXXXXX XXXX the warranty would end XXXX. I was not advised of the 1st date of use clause nor that by getting the demo vehicle would take away from my warranty. 


The check engine light is on and I took it to a dealer out of state as were traveling and was told the vehicle is out of warranty 14 days so I would have to pay for the diagnosis & repair. Huge inconvenience as we need to get back home to GA and cant pay for the charges. Lexus has a case open to investigate the discrepancy XXXX but now were stuck. Horrible way to do business and I will never buy or do business with Lexus again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas. 

I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it. 

On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas. 

My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them? 
2. Where is the proper validation reflecting the correct amount?
2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?
Product: Credit reporting or other personal consumer reports

I submitted documents showing proof of the accounts listed on my credit report was reporting incorrectly and should be deleted. 
From the looks of whats was sent back to me, nothing was done and continue to report incorrect information.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. 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.
Product: Mortgage

On XX/XX/XXXX I received ached from my insurance company to pay for hail damage on my house. I went to the Compass Bankin XXXX XXXX to process their endorsement of the check and then for Compass Bank to mail the check to XXXX to get their endorsement. Instead BBVA Compass endorsed the check and placed the  money into my helot account. Once Compass figured out what they did wrong the bank reversed the deposit of the money out of my account as insufficient funds. Now Compass claims they are sending a check overnight to my XXXX branch but nothing showed up. 
Here we are 5 weeks later, I am afraid my contractor is going to lien my property and Compass Bank is going to foreclose because it looks like I bounced a check. XXXX still wants the check for their escrow amount. 

In all this Compass Corporate does not think this is a big deal. 

I do want to let you know that the people at the XXXX XXXX Branch of BBVA Compass have tried hard to help me but the higher management is trying to cover the fact that they erred in not getting XXXX endorsement. 

Compass Bnk employees XXXX XXXX and XXXX XXXX are responsible for the accuracy of the non sufficient funds internal ticket number XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought an HVAC system from Lowe 's using their store credit card. There was a 0 % interest offer for 12 months ; I told the salesperson I would only purchase if I would get this offer, because i Intended to pay it monthly. I was repeatedly assured I would have a 0 % interest for 12 months. 
first statements show 0 % interest, but then it that was changed to 27 % interest which I only realized three months later. I often work very long hours on XXXX XXXX and do not have much time to check if the terms of a contractual agreement have suddenly been changed. I called Lowe 's credit card company, went to the store several times, I showed all the documentation where 0 % interest was written, yet I was told that they could do nothing to fix this because I had been given a discount. A discount I never asked for. 
Apparently if the customer gets a 5 % discount, it precludes the 0 % interest offer ; I was never informed of this or asked if this is what I wanted. This is a very deceitful practice, very wrong.
Product: Mortgage

XX/XX/XXXX - First call to Chase Bank regarding a {$1700.00} deduction from my checking account. The payment breakdown states 'escrow '. I am now overdraft with no additional money for groceries or child care. I call Customer Service. Customer service explains that Chase paid my escrow account in XX/XX/XXXX. I explained that I paid my XX/XX/XXXX taxes in XX/XX/XXXX and there was no reason for them to pay and there was no communication to me that they were going to pay it. Chase had just purchased my mortgage from XXXX XXXXXXXX XXXX XXXX. I stated that I would like my {$1700.00} back. They stated I needed to speak with someone in the tax department. 

XX/XX/XXXX - I call Chase Bank XXXX department. I inform them they overpaid taxes on my property and they needed to ask for a refund from the county tax department and also refund the {$1700.00} they took from my bank account. I also asked them to close any escrow account associated with my name and mortgage. Chase stated they can not refund the money until they get the refund back from the county tax collector. I reiterated that it was their mistake and I'm essentially paying for their mistake. They said someone would call me back. 

XX/XX/XXXX - XX/XX/XXXX - no communication. 

XX/XX/XXXX, XXXX Chase Bank calls to check in on me from a local branch. I explain the situation, that I have been out {$1700.00} and have been waiting for someone to call me back. The lady on the phone explains that she had no idea and there is no record of any conversation on my account. She puts me in touch with the tax department and we have the same conversation regarding the over payment to the County Tax Collector by Chase. They say, I will get my money back once Chase gets a refund from the county tax collector in XXXX days. I explain, that I am paying for Chase 's mistake and I would like my money back, I have already been short {$1700.00} for XXXX days and I'm going to have to wait another XXXX days before I get my money back- they said to call customer service. 

Extremely frustrated that a bank the size of Chase can go ahead an basically take ( steal ) money out of my account without any communication or notification. They made a mistake and I'm paying for it. I'm looking for someone to assist as Chase doesn't seem to care the hardship I have been under this past month without money for necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. Please correct the accounts listed below : XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$470.00}, XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Product: Checking or savings account

My name is XXXX XXXX. I opened my first BB & T account on XXXX the XXXX. I have been with XXXX XXXX XXXX XXXX for 15 years and wanted a back that I can use face to face. After depositing {$8000.00}. I had to use XXXX in the app to send my family member {$1000.00}. Once I tried to send the money, BB & T froze my account and will not tell me the reason or provide me a time frame of their investigation. I was laid off and that money was something keeping me afloat. I need that money for housing, food and bills. Could someone help me. XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ..... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my XXXX but has now been placed on my Experian and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX.S. Bankruptcy Court Reference : # XXXX
Product: Debt collection

I did not find the right option for my complain, so here it is. 

This account was originally from GE Money now Synchrony Bank, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither Synchrony Bank or this collection company XXXX have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.
Product: Debt collection

This is not my account this a faud account 2 I have not been afforded the opportunity to dispute the account in accordance with 12 SER 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 
3. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 
I demand that the Consumer Financial Protection Bureau investigate This fraud account
Product: Mortgage

My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.
Product: Debt collection

Credit Service Company Inc. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX Sent me a debt collections bill. I called and I told them that I had already paid that bill and I could prove it because the amount was removed from my bank account. 

They sent me another bill in the mail. I called them again. They said I needed to pay them within 24 hours or they would hurt my credit report. 

How dare they attempt to extort and terrorize me in that way. As if I could ever get my money back when they determined they were in error. 

P.S. I do have proof of payment and I can provide that as needed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am receiving statements from BMO Harris bank. 

The account is under my business name XXXX XXXX XXXX and is being delivered to my home address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl. XXXX I have called to request they cancel this. 

I have never authorized this account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX BALANCED {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$8500.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This account is by XXXX XXXX, This was identity theft There are several issues on reporting - This account was removed as identity theft, somehow reinstated a 5 days reinsertion letter was never sent, by law this has to be removed from my report- Experian is the only credit reporting agency that is reporting this debt. IF all bureaus verify this information and the same information =, how did XXXX and XXXX remove this as fraud but not Experian, however Experian can not tell me how this was verified, who they spoke to. Especially since I possess a letter that states it was fraud from 6 years ago, this letter has been sent to Experian that is why it was removed and they are refusing- BY law I should be told how this was verified, who they spoke to the number that was called and a reference number. I have requested this 10 times and received nothing - How is this reporting as an active account when it was charged off, If this account is charged off, it should not have a balance, if it was charged off and not reporting monthly. This is not reporting correctly and hence i want it deleted NOW They are not doing anything correct but you keep allowing then to report incorrectly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information, accounts and inquiries that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.