23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

XXXX payments took a XXXX fraudulent charge out of my bank and a XXXX charge. I got a police report, I filled out an affidavit, I've been in touch with a branch manager who is kind to me but no one seems to be able to put this money back in my account. I have 0 liability for fraud.I 've stated it's fraud in sworn affidavit and turned in a police report. FNB XXXX has been my bank for years. I don't know why they are doing this to me. I am diagnosed XXXX and I have a XXXX XXXX and we are facinig homelessness in XXXX if they don't do a simple chargeback required by visa policy and backed up by sworn and notorized affidavit and police report.Please compel them to simply issue the chargeback.It is VISAS policy.
Product: Checking or savings account

I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. 

In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Product: Debt collection

So I was called on this number ( XXXX ) saying he accidentally sent me XXXX dollars that could I forward it to him through another application so he doesnt get charged service fee I said okay no problem he said thank you you could keep {$40.00} for helping me out we got off the phone I sent it to him through XXXX  and then a few days later all this happens I called PayPal and explained what happened and customer service said I was being used as a money mule To PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX  XXXX XXXX credit reports and Late 120 days on Equifax. When I looked at the payment history while XXXX was reporting the account as a collection/chargeoff, Equifax was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX  was changed from a collection/chargeoff to late 120 days and the payment history for Equifax was changed to OK at the same time that XXXX  was reporting as a collection/chargeoff. As I continued to monitor my credit reports, XXXX  changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any late payments or any missed payments. Yet XXXX and Equifax minus points off my credit score constantly. Recently XXXX took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both XXXXXXXX XXXX XXXX are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have XXXX charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the XXXX XXXX XXXX  from harassing and trying to intimidate me? What XXXX XXXX over sees the credit bureaus?
Product: Checking or savings account

In XXXX a guardian account was court ordered for my daughter who won a lawsuit totaling {$12000.00} to be held in the highest interest bearing account. she was XXXX XXXX XXXX at the time. The judgement ordered the account to be opened with Bank of America. My daughter turned XXXX yrs old this year and when she went to withdraw the money they couldnt locate the account and said it must have been closed over 7 years ago do to non maintenance. We checked with the state comptroller the funds were not there. We have the infants compromise order, the bank account number and the check number from the comptroller. we have been to the bank a couple of times about the issue, called customer service several times and filed a complaint with legal through the bank, and they have not responded. We later learned that it was opened wrongfully under a custodial account and the funds were given away to child support agency for the collection of my arrears in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized accounts and inquiries be immediately removed from my credit file to prevent further damage to my credit. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I stated to Experian and I will say it again : I challenge Experian and the collection company to prove that I canceled or my bank canceled and/or put any block on the automatic payment set up for any XXXX account I ever had. I never failed to pay my dues on time. I disputed the same exact unlawful sprints alleged owed amount and it was deleted by Experian and now Experian retaliated against me and despite a letter from my bank confirming the above about the automatic payment and despite the proofs provided to Experian this credit bureau violated my rights under FCRA. Experian recklessly ignores the real issue and ignores my factual evidences and instead lecture the reader here instead of honest response to the real facts of the complaint. Thus, Experian must comply to the law or face it. If Experian can prove that I never had automatic payment or that I canceled it or block it or my bank canceled it or block then the collection account that alleged {$1300.00} should remain and if they can not which is a fact then Experian must deleted the only negative information or the collection about the XXXX alleged owed amount of $ XXXX.because my bank write a letter and confirmed that I never called my bank to cancel that automatic and I never canceled that automoatic payment and my account that provide funds to that automatic payment is same and open and has always funds of over 4000 $ daily and if XXXX wanted to get paid for any amount they have the ability to do so and they must stop harrassing me and damaging my financial reputation. I challenged Experian and its collection agency to prove me and my bank wrong about the fact that I and my bank did not impede XXXX to do what it was used to do using the automatic payment and get paid for any ligitimate amount proven I owed them but instead they use this collection over and over and drag me to complain and dispute it maybe they think I will give up my rights but they must know they have to follow role of law. Experian must comply to FCRA and my Virginia state law and delete that unlawful collection with original creditor XXXX because it is about the same amount previously disputed with this bureau and it was deleted and why is not the case now? Or is it forced retaliation? Show off of Experians muscles on my rights?
Product: Mortgage

Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you
Product: Checking or savings account

To whom it may concern ; the following should never happen to anyone in this great county of ours. My mother and I have joint accounts at a Suntrust Bank addressXXXX XXXX XXXX XXXX Va.XXXX. The joint accounts are/ were checking, savings and CDs. My mother and I in XXXX went to the bank, mom wanted to take out a loan for {$5000.00} to help her grand daughter and great granddaughter to get some kind of transportation, they limp back up here from Florida penny-less. XXXX XXXX XXXX, XXXX Branch manager, said the interest rate would be 8.9 % .My mother has been banking with Suntrust every since they have opened here, and she has perfect credit. I asked her if she could do better on the rate, no was her answer. Mom 's CDs and savings was early XXXX % percent interest. Giving the bank the ability to make substantial interest of her monies. I told mom that was not fair by a long shot. The monthly payment was {$150.00} per month, Mom allowed one payment to be automatically withdrawn from her checking account, for the month of XX/XX/2020. Then she decided to pay the loan off XX/XX/2020 prior to the due date,. She was told that she would be getting {$34.00} back, then later she was told that it would be {$4.00} of which she has not received. It was decided that having her money in this bank was not serving her purpose, only the banks. So my mother and I started pulling her money out, and I was with her time for safety. Now here is the bad and embarrassing part, some at the bank call the Department of Social Services, a  XXXX XXXX, she came to my mother home and I was not there and grilled my mother about her taking monies out of the bank. Asking her weather I was taking the monies from her, my mother said that I would never do anything like that, that if there was no food in the home, that I would go without eating to make sure she ate. Mrs. XXXX would not disclose who filed the complaint, but I strongly believe it was XXXX XXXX, she is not a nice person. I strongly believe that my mother 's and mine privacy has been invaded, and I will be contacting an attorney very soon. The lady from Social Services, per our phone conversation was basically treating me like a theft. Any help would greatly be appreciated.
Product: Mortgage

We are having trouble with BOA for the pass 6 years since thedeath of our father. We inherit this property from our dad. The property was delinquent. I am one of the co administration of the will, when ever I call BOA I have a hard time to get in touch, they keep on saying that i am not on the account and they can not speak to me. For example today me and a counselor from XXXX XXXX it took them 30 mins before they we got verification that they have the information. We call back in about an hour and the process repeats it self. The reason why I am reaching out to BOA is the fact that we are going through foreclosure and we are trying to see if we can applied for a loan modification. They refuse to work with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX AND XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 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
Product: Credit card

Old Navy online order XXXX XXXXXXXX placed on XX/XX/2024. 

I ordered 9 items, the online tracking showing all of the times were delivered in 1 package. However, I received an XL size empty bag with only 2 small items inside. The package looked like it had been opened previously and re-taped with clear packaging tape. I filed a claim with Old Navy regarding 7 missing items asking for a refund. 

Additionally, I redeemed my Cash rewards dollars, XXXX XXXX and otherwise utilized a total of {$76.00} in multiple promotions in this order. Since 7 out of 9 items I ordered were never delivered, I had to re-order those items at a full price, which cost me 2-3 times more than the original cost, so I asked to be reimbursed for the difference as well. 

On XX/XX/2024 I received a response from Old Navy customer service saying that my request for a refund had been denied, without any reason or further explanation. I was completely dumbfounded. I was a loyal customer for many years, and buy A LOT from this company on a regular basis. In all my life I've never had to deal with a retail company refusing to refund merchandize I paid for, but they failed to deliver. They can't do that, can they??
Product: Credit card

My husband and I received insurance checks from XXXX to cover extra plane tickets we were forced to buy as our flight was cancelled. There were XXXX checks of {$210.00} and XXXX of {$1800.00}. We endorsed the checks as " pay to Marcus '' with our signatures and sent them on XX/XX/year> with a letter. When our account was not credited, I called Marcus. It took 3 phone calls to be told that they couldn't cash the checks because they were made out to the customer. I asked them to return the checks. Then I was transferred to a supervisor who advised they had shredded the checks. I asked to be sent something to that effect so I could ask XXXX to issue new checks. They refused but I contacted XXXX asked them to stop the checks and issue new ones. XXXX has refused to issue new checks and Marcus is looking for payment of {$4200.00}. 

I don't understand how Marcus could shred legal tender without contacting the customer. Their unilateral action is unacceptable to me and unless XXXX issues new checks, I don't believe I owe Marcus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX PM XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX & XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX  Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is one of the three main credit reporting bureaus in the United States, maintaining a database on millions of individuals. On XX/XX/XXXX, Equifax announced a security breach comprising of personally identifying information ( PII ) of approximately 143 million individuals. According to their statement, they learned of the breach on XX/XX/XXXX. According to their website set up in response to the breach, I and my wife are two of the millions of affected individuals.
I am particularly incensed by three things : 1 ) A business relationship with Equifax is not optional in modern society. If you have ever paid a utility bill, or had a bank account, or applied for a job, Equifax likely has some information about you. Given that they are inescapable, they should be held to high standards that they clearly failed to meet. 

2 ) That no notification was made by the company for 40 days after the breach was notified. Identity theft does not take 40 days to happen, and neither should notifications of a failure of this magnitude. 

3 ) Equifax 's security measures are clearly lacking, both in allowing this breach of the public trust and millions of people 's PII, but also in the hastily constructed websites in responses to the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email congratulating me on a new Kohl 's card that I did not request or open. I immediately called the Kohl 's charge services number and reported the fraudulent card. I was told someone from the fraud department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the Kohl 's charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as one of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the fraud department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.