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

I purchased a mattress from Macy 's on XX/XX/XXXX and was provided an option to defer interest for 12 months if paid in full. I most recently made two payments ( {$90.00} in XX/XX/XXXXand {$200.00} XX/XX/XXXX ) of which none of that payment was applied to the 12 month promotional event. I contacted Macy 's credit department today ( XX/XX/XXXX ) after reviewing my statements and was told that they will satisfy the minimum payment first ( I totally get that ) and then will apply to the regular transactions unless I tell them or request differently. So I had to call to request to have my payments applied to the 12 month promotion even though I had agreed to this during my purchase. Seems very deceiving to the consumer and very rewarding for Macy 's. The 12 month no interest was sold to me at the store but at no time was that explained or shared with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX  acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I recently am going through identity theft and I am unable to recover my account with my check on it due to the my email address being hacked currently. XX/XX/2022, and they are still not giving me my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending Documents to Equifax as i was told to do so they can REMOVE INACCURATE INQUIRIES OF MY REPORT!
Product: Checking or savings account

Upon viewing the citibank promotion in XX/XX/2017 I was meticulous about performing each requirement within the time frame stated. I called customer service to insure that I was clear about & had read the fine print accurately. 
The requirements were : Open a new regular checking account by XX/XX/17 Satisfied. 

The promotion required that a $ XXXX deposit stay in account for 30 days. 
Satisfied Within 45 days of account opening initiate one direct deposit or perform {$250.00} amount of purchases with citibank debit card. 

( Citibank 's own materials state : your account is opened after 4 simple steps : ) 1 ) tell us about yourself 2 ) signature that agrees to terms/disclosures 3 ) verify identity 4 ) fund your account.

It states the 4 steps necessary to open an account ; in my case all 4 were not satisfied until XX/XX/17 thus making XX/XX/17 the day of my account opening. 

By XX/XX/XXXX I had fulfilled making the {$250.00} debit card purchases, which was within 45 days of my account opening on XX/XX/17. 

The problem is Citibank is saying the debit transactions were not made in time- ( 45 days from account opening but they were ) My first contact with Citibank was in a phone call on XX/XX/2017 ; after the fact they are saying the debit transactions were needed to have been made 45 days from that date. But the promotion says 45 days from account opening and Citibank 's own materials say an account opening happens after you do 4 steps one of which is to fund your account- which wasn't done on XX/XX/XXXX- it was done on XX/XX/XXXX ; therefore making XX/XX/XXXX my account opening & debit transactions were successfully performed 45 days from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

A company call convergent outsourcing, client service, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. They attempted to collect a debt that was originated as a fraudulent account with the XXXX XXXX  XXXX XXXX, a utility company. I informed them in 2019 that this was a fraudulent account and I am not responsible for it. I filed a police report and provided them with the information. However they continued to call me daily, nonstop, sometimes twice a date to collect on the debt. In addition, the utility company itself refused to help. I asked for information on how the account was opened with out my consent, I was told thats non of my business. I find this abaolutely unacceptable both by the debt collection agency as well as the utility company.
Product: Debt collection

I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to submit a formal complaint against Fair Collections & Outsourcing for their unjust reporting of an unverified debt on my credit report, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company 's actions appear to contravene several provisions of the FDCPA, including Section 807 ( 8 ), which prohibits the use of unfair or unconscionable means to collect any debt, and Section 809 ( b ), which mandates the provision of verification of the debt upon the consumer 's written request within 30 days. Additionally, their continued reporting of unverified information to credit reporting agencies may violate Section 807 ( 10 ) of the FDCPA, which prohibits debt collectors from reporting false or misleading information about a debt. Furthermore, these actions may also violate provisions of the FCRA, such as Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to promptly investigate disputed information, and Section 623 ( a ) ( 8 ), which mandates accurate reporting by information furnishers. By failing to provide verification of the debt and persisting in reporting unverified information, Fair Collections & Outsourcing is potentially in violation of these consumer protection laws. I also contacted XXXX and asked for them to investigate and remove the inaccurate and unverifiable account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof. 

Please remove this item from my consumer report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On : XXXX  XX/XX/2022 Wells Fargo denied me for the Second Time a Credit Limit Increase, on my Wells Fargo Active Cash Credit Card, just because I had a Couple of Months, using their Credit Card, by them.
Product: Student loan

Hi, I have private student loans taken out while I was in XXXX. I pay extra on these every month, directing my payments in an attempt to pay them down. 

I have XXXX loan with a ~ {$12000.00} balance at 5.4 % interest.In repayment since XX/XX/XXXX. I have paid {$230.00} over the past XXXX days and they are still showing I have a payment of {$150.00} due with {$50.00} of outstanding interest. I pay regular payments every month, in many case bi monthly and I still have large amount of interest outstanding across my XXXX private loans serviced by AES These loans have been in repayment since XX/XX/XXXX in the case of the other XXXX loans but the payment always goes to mostly interest, even with me paying extra. 

I do not understand how large interest amounts acrue with me paying regular extra payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

I had a payment schedule that went thru ACH for XXXX on XX/XX/XXXX. I had no funds in account and the bank let the charge go thru instead of reversal like they did a previous payment before hand. On top of the insufficient fund my account has been hit with 3 extended overdraft charges for XXXX, which has put my account way over than what I can actually pay. The bank knew my account was XXXX out and let the charge go thru unlike the week before they reversed an ACH which my account was hit for XXXX on XXXX, XXXX. The ACH was paid for to where my account was at a positive standing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX20 BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX20 WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO  RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Debt collection

I have received a bill payment from XXXX XXXX that went to Harris & Harris LTD ( debt collectors ). The balance was {$25.00} which was a mistake as they did not bill both insurances. I have dual medical coverage from my employer and my husband 's employer. I was advised by XXXX XXXX to provide Harris & Harris LTD with the medical insurance information as they have called in the past to insurance providers. I did just that, however was treated disrespectfully by the Harris & Harris LTD. Further, the {$25.00} bill has now turned into {$240.00} and they are demanding payment.
Product: Debt collection

This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.
Product: Checking or savings account

Fraudulent USAA  checking not closed as requested under daughter XXXX name. 
Balance on account issued XXXX  month ago. 
XXXX  XXXX : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA We have no access to account Fraudulent communication below.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XX/XX/year> -- {$XXXX}
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX 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
Product: Checking or savings account

hello, I have banked with associated Bank for over 10 years here, I have a few checking accounts, will post main checking number in next page, but I had used this as my main bank for several years, recently I had moved some money to one of my other accounts, and a different account moved some money into the associated account, all of these accounts were owned by me as me as the primary. They had thought that moving money was suspicious, called me and let me know there was an investigation, and I couldn't use my account and could come in branch to withdrawal money. 
I had spoken to two people, they had neither provided me any information or asked me any relevant questions to " investigate '' they hadn't even confirmed what transactions in question and if I was even the one who initiated this, if there were transactions in question, I feel they should have asked me about these at least, they didn't confirm any info, get any of my reasoning for my account usage, and left me without any information. 

I had then went into branch and they gave me a hard time about even taking out my money, they back office side did a bad job at even locking or closing my account. 

When I had called for an update and to provide info if I needed to, I kept getting mixed answers as to who was actually investigating this, I kept getting told different names, they'd pass me the phone numbers of the contacts and the contacts would never answer, I left numerous voicemails and no information or calls were returned I then heard from the bank a week later basically saying they are closing it and won't tell me any info, this is horrible experience as there was no reason or even investigation for closing the account.
Product: Debt collection

On XX/XX/year>, I sent Aargon Agency a certified legal dispute letter and a XXXX  copy demanding full validation and permanent deletion of a {$610.00} collection account tied to XXXX XXXX. The account was never properly validated. I requested original billing details, proof of assignment, and a breakdown of the balance, none of which were provided. Aargon has continued to report the account despite dispute, in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. This collection is damaging my credit and affecting my familys housing situation due to disability-related needs. 
I sent a certified letter and a XXXX package to Aargon Agency on XX/XX/year>, and I have a receipt confirming delivery. The receipt also includes documentation sent to another agency, but clearly shows Aargons legal notice was included and properly mailed.
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 XXXX 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 your receiving this complaint. The fraudulent, inaccurate, and false information consists of a personal credit card account opened at MIDLAND CREDIT MANAGEM on XX/XX/year>, under the account number ( private ), and a personal credit card account opened at MIDLAND CREDIT MANAGEM on XX/XX/year>, under the account number ( private ). These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.
Product: Money transfer, virtual currency, or money service

E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic  transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it. 
In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX. 
The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later. 
With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars. 
Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate. 
Total lost amount is {$220.00} Dollars between late fees and lower exchange rate. 
I had done previous transactions with no problems, but this was unacceptable one. 
Please, let me know the result of your investigation. 
Thank You, XXXX XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 charge off accounts with Capital One. They threatened to take me to court and had me served papers. I was served papers the day after my father unexpectedly died putting an extreme hardship on me at a low point in my life. I decided to accept a payment plan with the attorneys office of XXXX and XXXX, XXXX in XXXX, CO to pay off both debts owed on both these accounts. They are both in good standing and being paid as agreed. There should be no reason for Capital One to report my accounts negatively to the credit bureaus. I am trying to improve my credit and have been successful in doing so until this negative response to my dispute abruptly stopped that momentum! My husband and I are trying to buy our family a newer home and this is delaying our chances of pursuing our goal. My XXXX score went down drastically from XXXX to XXXX after my dispute reporting my accounts with them were being paid as agreed. Before this dispute Capital One was not reporting either of these accounts with past due status! I feel I am being discriminated against!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed two rounds of letters to the three credit bureaus about incorrect information on my credit report. I sent letters on XX/XX/XXXX and still have yet to get a responds. It has been more then 30 days and no action has been taken.