23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past couple of months there have been strange people coming to my parents house looking for me at an address that I no longer live at and im not sure of the reason completely. I honestly dont remember opening an account in the past with this debt collector. They are saying that me and my fiance owe alot of money that im not sure if we owe or not. They never contacted me directly about this issue in the past until the last few months. I dont understand how you can just harrass someones parents on a continuous basis. I am not in the position to pay that amount of money and think its unfair for them to demand that I pay that amount at such a short period of time if it is owed. The name of the debt collector is Synchrony Bank. They are stating that i owe them XXXX
Product: Bank account or service

Bank of America is not taking adequate steps to protect the security of my account and is improperly assessing overdraft fees. On XXXX XXXX, a charge of {$7.00} was made to my checking account, a charge that I did not authorize. The statement said that the charge was made to a " XXXX XXXX '', a person I do not know and do not recognize a business relationship with. 
I went to the nearest Bank of America branch in order to dispute this charge. The person I spoke to at Bank of America called another department at Bank of America about the charge. The person on the other end of the line claimed that it was a charge from XXXX XXXX. I was told that I would not be allowed to dispute the charge because " XXXX would n't lie '' and that I would need to call them regarding the charge. I was also told that Bank of America would not reverse the overdraft fee regardless of whether or not they believed the charge was false. 
I do have service through XXXX, but when I called them afterwards they confirmed that any charges to my XXXX account would not be charged directly to my checking account, and that the XXXX charge was not their doing. 
Even if this charge was legitimate, I do not believe Bank of America should have authorized it. I have opened a bank account elsewhere, as my relationship with Bank of America has deteriorated beyond all repair due to another issue I am having with them. I am keeping my account open with Bank of America for the sole purpose of receiving my direct deposit checks, and as soon as the change is processed will be closing my account at Bank of America. I am keeping a low balance in my account and not even using my debit card. There was no other activity on my account on XXXX XXXX, and I had about {$2.00} in the account at the beginning of the day. Even is this were a legitimate charge, it should not have been paid to begin with, as there was not enough money in the account to cover it.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evide To furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a customer.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a debt collector XXXX XXXX XXXX XXXX XXXX XXXX. They were attempting to collect a debt for {$390.00} from Citizen 's Bank. In XX/XX/XXXX I filed 2 fraud claims with Citizen 's Bank. As of XX/XX/XXXX, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, Citizen 's Bank assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and Citizen 's Bank Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with XXXX and Citizen 's Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to XXXX  XXXX XXXX regarding three accounts that were being reported to Early Warning. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from Early Warning. 
On XX/XX/2019 I received a response from XXXX XXXXXXXX XXXX stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.
Product: Credit card

I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that VALLEY CREDIT would verify the debt. So I took it upon myself to ask VALLEY CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXXth. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

Dear Sir or Madam, on XX/XX/2021 I was notified by my credit monitoring agency of a negative declaration on my XXXX  credit site. This was generated by Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. I informed their representative the amount in question was an error. Nothing they could do as their client XXXX had turned this matter over. I have attempted numerous times to have XXXX correct their error. Nothing was done at XXXX due to their lack of coordination in establishing and maintaining accurate customer records. XXXX, XXXX, XXXX /XXXX does not have the ability to verify information with their own subsidiary companies nor share or view billing information on their customers. I decided to start a consumer complaint with the Illinois attorney general 's office. The attorney generals site recommended contacting XXXX, which I did on XX/XX/2021. Speaking with XXXX at XXXX they could not find an issue with my account, after determining the correct account number I was transferred to XXXX XXXX and continued the process of reconciliation, I was then transferred to XXXX at XXXX XXXX XXXX, once again my account could not be reconciled I was then transferred to XXXX in XXXX  XXXX  and informed they cound not see the separate charges for XXXX, XXXX, OR XXXX XXXX XXXX. I was told they can only see records for a certain period of time. From the initial phone solicitation from XXXX I have been mislead by poorly trained representatives who make promises of services ( XXXX XXXX  ) that XXXX can not deliver. Slower speeds of internet are then crammed to the customer. XXXX  takes no responsibility for their representatives misinformation, lack of coordination of customer records and the sends false amounts to a collection agency potentially damaging credit score. XXXX  should resolve this issue, correct the credit report and remove any and all erroneously placed information by their company or subsidiaries.
Product: Credit card

This company continues to check my credit every two to three months and lowers my credit limit. This has been happening for over a year now. I have filed multiple complaints with this agency and the company Citi Cards will draft a weak response and nothing happens. I am being targeted and discriminated against. This poorly impacts my credit when they check my report and lower my available credit. As I have stated before nothing has changed on my credit report. I am never late, I have no missed payments. I filed a fraud charge over a year ago and they immediately checked my credit and started lower my limit. I am going to file a suit at this point, and I am sure I am not the only person who they are doing this to. They also have started doing it with my Home Depot credit card. I will file a separate complaint against that being lowered recently. Other companies are increasing my limits and this one is constantly decreasing them. There should be some accountability from the government for this abuse. I am writing the companies that they represent and the Vice President. In an election year, we should get some rules changes I am sure.
Product: Credit reporting or other personal consumer reports

Good day, my credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. Experian will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! Experian, XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. Experian does not answer any calls for me to contact them.
Product: Credit card

CostCo made a change from XXXX to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed {$55.00} on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score XXXX ) will take a hit.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EQUIFAX. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Debt collection

LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
Product: Credit card or prepaid card

I requested for a new credit card at WELLS FARGO as the one I have was damaged it was never sent to me and upon looking at my account I found 3 fraudulent transactions On XX/XX/XXXX Starting at XXXX central time in XXXX for {$70.00}. Then to XXXX at XXXX for {$180.00} The third and final transaction was at XXXX XXXX Im assuming later in the afternoon for {$80.00} in Gasoline. I contacted my bank which says it would be resolved and I wont have to pay for anything but Im still afraid it might affect my credit score, I also was able to get help from the amazing staff at XXXX with finding the receipt and they are looking into it on their end aswell.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX Account XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.
Product: Credit card or prepaid card

It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e. 
I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.
Product: Mortgage

On XXXX XXXX, 2015, I submitted a complaint ( # XXXX ) about NationStar Mortgage 's utter failure to acknowledge or process my multiple requests for a loan modification. They have done nothing except send me auto-generated form letters. Indeed, their prior response to my CFPB complaint was worthless - it was nothing more than a computer generated response saying that they take customer service seriously. What a joke, because they have no customer service. Now, once again, I have provided them with every single document they have asked for, and they are nevertheless telling me ( via a form generated auto letter ) they do n't have a required document. It 's complete nonsense. I am at a loss of how to deal with them.
Product: Checking or savings account

Opened bank accounts using my name, ssn and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an inaccurate Chapter XXXX bankruptcy being reported to my credit report with all three credit bureaus, in XXXX of XXXX. In XXXX of XXXX, XXXX  deleted the inaccurate information. In XXXX of XXXX, XXXX  and third party information provider, XXXX XXXX, deleted the inaccurate information. Experian refuses to delete the inaccurate information and has not adhered to the time limit to settle disputes outlined by the Fair Credit Reporting Act. Experian has been investigating and delaying their decision on this matter since XX/XX/XXXX. This date extends well beyond the allowed time by the Fair Credit Reporting Act and is a blatant violation of my rights.
Product: Debt collection

On or around XX/XX/20 for the second time since XX/XX/20, I've received notification from Nationwide Credit Inc in regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Product: Credit card

We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel claim.
Product: Checking or savings account

Bank of America took XXXX from me and now saying I owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance {$3100.00} Last report date XX/XX/2019 Mailed and faxed to credit bureaus they still have not resolve the issue.
Product: Mortgage

I received a letter from XXXX dated XX/XX/XXXXXXXX  stating that my payment would be increasing due to a rise in my taxes and insurance beginning in XX/XX/XXXX, but they would be sending the payment from escrow as usual. I started reciving calls from my insurance company on XX/XX/XXXX stating if I did not pay my insurance by XX/XX/XXXX they were going to close my policy as they had not received payment. I called PNC repeatley and was told they had sent the payment ... then I checked the county and my taxes had not been paid either... I called PNC numerous times and was told they would reach out to the insurance company and county.. they finally sent the payments to the county and my food insurance but not my homeowners... I sent emails and called and called, no progress until I filed a complaint.. then found out on XX/XX/XXXX I did not have insurance and they could not make the payment they had promised they would. I immediately called the insurance company and obtained coverage which went into effective on XX/XX/XXXX at midnight. This cost me an extra {$1000.00} b/c PNC didn't pay the company promptly. I made arrangements for them to bill PNC and PNC did finally pay the bill on XX/XX/XXXX. Then they have the audacity to send me a bill telling me they will be charging me {$760.00} for the lapse in insurance coverage... so inaction to me having to already pay an extra {$1000.00} they want to charge me {$760.00} for there failures... I do not think that is fair I have called them several times only to be transferred from one person to another and I don't have time for it... I do not think it is fair for them to charge me for something I had no control over especially when I have in writing from them that they were going to be taking care of it and then I called and called with no resolution and as soon as I found out they had not done what they promised me they had done I took care of the issue.