23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX switched to a new system? At least thats what i assume. I get a call and a letter from this new company telling me my account is going to be sent to court or somthing unless i make payments. Im in the XXXX so i explained and apologized originally to XXXX for being late. This new company called " comenity '' has claimed to take over the proccess. They called, asked when and how much i could " promise to pay '' communication with them is horrible, its absurdly hard to hear them, and understand them. I called back recently to try and get my account so if i do owe i can at least pay online. They claimed they cant give it to me? Im so confused im trying not to get scammed here, and more and more its seeming more like a scam. Im freaking out because the court thing or whatever.
Product: Checking or savings account

{$4000.00} Cashiers check was deposited at the branch in person. Teller placed a Reg CC hold on check improperly. Per Reg CC and the banks own deposit agreement, the first {$5000.00} of a cashiers check is to be made available the next day.
Product: Credit card or prepaid card

Go XXXX issued me a credit limit of {$4700.00} towards my dental credit. When I went to the dentist, they charged the card for the full {$4700.00}. I had been calling the dentist and the credit card to complain that this wasnt correct. XXXX originally told me there was nothing they can do about it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action. After the dentist refunded the money, I contacted XXXX and had to speak with a supervisor because they would not refund my check. After speaking with a supervisor who informed me that they could have disputed the charges from the first time I called and alleviated all of this pain, suffering and financial hardships Ive been cause because of this. That supervisor then filed a dispute on my behalf. I received a letter stating that I would be refunded {$310.00} in interest charges. I was never refunded and the dispute was closed. I have called the company numerous times and was refused names, a # and have been hung up on each time. I finally spoke with XXXX XXXX who stated that was transferring me to a supervisor. I was once again hung up on by the supervisor and I am at a point of a mental breakdown trying to have this issue resolved. If someone from the corporate office could call me to have this issue resolved because I am close to filing a lawsuit. This is causing me great pain. Especially not to be able to SPEAK with anyone who can help me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
Product: Credit card

On XX/XX/2024 I stopped at Shell XXXX XXXX to fill-up as I normally do ( at the same XXXX XXXX ), for over a year and the purchase was declined by shell XXXX XXXXXXXX Credit Card. I called the so called customer service number on back of the card and spoke with someone who could not speak XXXX too well, and ( what I could understand ), the rep said that I needed to respond to a communication I will receive in mail. I asked to speak to a rep I could understand to no avail and I asked why was the card declined to begin with, and I received no answer. The account is current and has never been late with payments and had a substantial amount of credit available to use. The rep sent me a text, so I received the text and she said tell her the code in the text, I did that and she said I would receive something in the mail to fill out and fax it back... But, I still don't have any explanation as to why my shell credit card was declined, no letter, no nothing. Also, when trying to login to my shell account online, it won't allow me to it doesn't recognize my ID or Password. So I tried to re-register my card and after entering the card number, it says that account doesn't exist ... So, I don't know whats going on with my shell account ... ... even though it is current and up todate ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 se
ction 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have disputed unauthorize inquires into my credit report and want these removed this is fraud and I did not consent to these inquires. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXL Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX Inquiry date XX/XX/XXXX XXXX - XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/year>. Only XXXX posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx XXXX days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. XXXX had a score reported for me on XX/XX/year> of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
TransUnion is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that TransUnion and XXXX companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.
Product: Credit card or prepaid card

4 months back I paid the total amount due on the charge card, showing a XXXX balance. Yesterday I got an alert from my Bank about an overdue account affecting my credit score. My accounts were all up to date, in fact usually paid several days to a week before the due dates. It was a Capitol OneXXXXBass Pro charge card. Apparently I paid on the XXXX, and the payment was removed on the XXXX, several days BEFORE the due date on the XXXX, and on the due date they assessed XXXX cents interest to my account. I never received a bill in the mail. I was never sent an email to my account on file. The following month they charged a late fee of {$3.00}, along with interest on the XXXX. The following month another {$3.00} late fee plus interest on the original {$3.00} late charge and accruing interest. The following month another {$3.00} late fee plus interest on the two previous {$3.00} late fees and interest on the original XXXX which had now grow to close to {$13.00}. The first call the customer service rep said she had no idea why I was charged the interest, which she agreed was XXXX cents, since my payment was in full and zeroed out the account. The second call to customer service today had the original amount change from XXXX to {$3.00}. I was also told they contacted me by email, but had no dates the emails were sent. She also agreed I paid the full amount of my balance and had a XXXX balance several days before the due date, but the interest was charged after the due date, but couldn't explain why my account was a XXXX balance before the due date, but they charged me interest anyway.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Checking or savings account

Our BMO bank account was hacked 3 times in less than a month. First time for almost {$7900.00}, second time for {$6500.00} and third time for {$3500.00} for a total of {$18000.00}. Trying to get this resolved with Bank of Montreal has been a nightmare. The customer service and communication has been nonexistent ; no returned calls, no follow ups with us to keep us informed about the situation. I can't emphasize the stress that their incompetence and lack of professionalism have caused my husband and myself. We want to know who and how this has happened but BMO is unwilling to disclose any information. The bank keeps saying that BMO is " unable '' to determine the cause of the unauthorized transactions and " unable '' to provide any additional security measures. Twice, we have requested a full report of BMO 's investigation and asked for extra security measures to prevent this from happening again but both times BMO has refused to provide a report or extra protection.
Product: Debt collection

number, and I had a debt from XXXX recently placed on my credit karma account without being notified by collections company Collection Bureau of Hudson Va.that I owed this debt. I called them and asked them about the debt, and why I was never notified. They said I had been but the address they had was incorrect I than asked if they had a current phone number, and they did. I then asked why I was n't notified by phone and they did n't have an answer. I immediately paid the bill which was the date of XXXX/XXXX/XXXX and the exact amount of {$120.00}. The bill is still in collection on my account and has n't been marked paid, I would like to know how they can mark my account without properly notifying me. If you can contact me my email XXXXXXXXXXXX, thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Investigation : I am writing regarding the dispute I submitted on [ date ], which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you are required to ensure accuracy and conduct a reasonable investigation. Additionally, FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625. 

The details of the disputed charge-off entry are as follows : - **Original Account Number : ** XXXX - **Current Balance : ** {$230.00} - **Account Number : ** XXXX - **Creditor : ** XXXX XXXX Management Please re-investigate and correct any inaccuracies within 15 business days. If this matter is not resolved promptly, I may pursue legal action for damages up to {$1000.00} as permitted by law.

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

I had automatic payments turned on for my account. The original payment due amount that was due was {$140.00}. I paid the full principal balance of the account back to Bank of America on XX/XX/year> and had a negative balance on the account due to a refund received. Although I had a negative balance on my account, Bank of America still charged me {$140.00} for the monthly payment. I would expect Bank of America to have logic that says if an off cycle payment is received, that it would reduce the payment due by the amount received. I did not expect Bank of America to withdraw {$140.00} from my bank account because I did not owe them any money. Is it legal for Bank of America to take money from my bank account when I don't contractually owe them anything?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan with XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a creditor that Experian claims they do not have a valid phone number for me on XXXX XXXX. I placed a security fraud alert on my XXXX file on XX/XX/2018, with a valid phone number, and equivalent informed me they would inform the mother two credit bureaus, which did not happen. I am attempting to call Experian to update my phone number and there is no way to get a person on the phone. I have called 15 times, and there is no way to get a representative, only automated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters and FTC Reports to XXXX XXXX XXXX and Experian. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I found unauthorized purchase to my Direct Express Social Security card and contacted them about them. 
They sent me a letter saying that the charges I disputed were not found to be unauthorized. Therefore the unauthorized charges would be charged back to my account after they had added a provisional amount of {$720.00} to my account until their investigation was completed. 
The unauthorized charges were mad to XXXX which I have never made a purchase from. I am including a document from XXXX stating that there had been no purchase history from me on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Checking or savings account

My mom passed away XX/XX/XXXX. I've been granted executor of her estate. My mom had XXXX and XXXX  which left XXXX XXXX. When trying to access her account to pay for her services, I discovered her account was {$0.00}. She sold her home in XXXX. Almost immediately, bank records shows she " XXXX  '' herself everyday until her account had no more money. I filed a dispute with capital one for over $ XXXX. Capital One simply said there were no change in login activity so there were no fraud. There's several XXXX  id numbers which I didn't know was possible without alerting the bank. I tried to explain my mom was XXXX XXXX XXXX  of the hospital from XXXX - XXXX. Most of the time on a XXXX. They could not help me.
Product: Debt collection

I am writing to file a formal complaint against your company regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). My primary purpose in submitting this complaint is not to seek validation of this account, but rather to ensure that this account is permanently removed from my credit report and that I am compensated for the violation of my consumer rights. 

I want to be clear : I am not claiming that this account was opened without my permission. I am, however, stating that your company has violated my consumer rights under the FCRA. 

Please note that I do not accept the claim that the FCRA does not apply to your company because you are not a " debt collector. '' According to the FCRA, the term " debt collector '' includes any person or entity that uses any instrumentality of interstate commerce or the mails in any business whose principal purpose is the collection of debts or who regularly collects or attempts to collect debts owed or asserted to be owed by another. 

The FCRA further defines " debt collector '' as including any creditor who, in the process of collecting their own debts, uses a name other than their own that would indicate a third party is involved in the collection of the debt. Additionally, any person who uses instruments of interstate commerce or mails for the enforcement of a security interest is considered a " debt collector. '' Based on the definitions and provisions outlined above, it is clear that your company falls within the scope of the term " debt collector '' as per the FCRA, and therefore, the law applies to your actions. 

I am specifically citing violations of the following sections under U.S. law : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681b ( a ) ( 2 ) 50 U.S.C. 1681 15 U.S.C. 1692j 15 U.S.C. 1681e ( b ) I request that this account be removed from my credit report immediately and that appropriate measures be taken to address the violations of my consumer rights. 

Please treat this matter with the seriousness it deserves. I expect a prompt resolution to ensure that my rights are fully respected under the law. 

Thank you for your attention to this matter. I look forward to receiving confirmation that the account has been removed and that corrective actions have been taken.
Product: Payday loan, title loan, or personal loan

Hi - I have several synchrony bank loans that I acquired to purchase furniture. However making my monthly payments is difficult because their phone system always has complications finding my account, when I go online it says I have to call because I have several accounts. When I call and the automated system doe snot find my account and I talk to their representative sometimes I am told I only have 2 accounts, sometimes they tell me I have 3 and sometimes that I have 4. 
I have the money to make my monthly payments. All I want is information from Synchrony Bank on what are the account numbers I have with them, how much I owe in each and what is my monthly payment and due date. FOR ALL MY ACCOUNTS. 
I am trying to pay my debt off, and this company seems to systematically make it hard for me to do so. They call me every day to my cell phone and when I answer they hang up or no one in there, I say hello multiple times and no one answers. 
PLease help me pay my debt. 

Thanks.