23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a customer of XXXX XXXX for over 15 years. I had an account for satellite tv service with XXXX set top boxes. I was paying $ XXXX a month for 15 years. I've had the same equipment for all that time. I was having trouble with the main set top box and contacted XXXX XXXX. I contacted them to disconnect service or replace the box. The customer service rep kept trying to get me to replace all of the equipment. I repeatedly declined because I did not want to start a new XXXX or XXXX contract with Direct TV. I mentioned that I have a new XXXX tv and that I mostly stream through the internet. The customer service rep said, " We want to keep you as a customer, I can send you a new XXXX set top box and a {$200.00} prepaid credit card ''. I said, " as long as I don't have to renew '' a contract. XXXX XXXX has no channels that exclusively broadcast XXXX, they have premium streaming channels that offer XXXX content for extra costs. 6 months later I called to cancel service, the customer service rep said my equipment was old and there was no need to return it and that my balance would be zero after they prorated my account. I received a new bill from Direct TV, I called customer service and they said that accounting hasn't caught up to prorate my account and they were not aware of a disconnect fee. I explained that the statement says they were charging a disconnect fee from a new contract that I did not authorize. I called on several occasions to have them explain how they authorized a new contract. They told me to wait for XXXX weeks and my account will be credited. I received another bill a month later and called in again and told me the same thing, to wait for XXXX weeks for the account credit. On XX/XX/year> I received a debt collection notice for a total of {$190.00}. I trusted XXXX XXXX customer service to do their job and they just strung me along to send to collections. I made several attempts to get someone to get back to me to explain the charges and how I could be charged a disconnect fee. Clearly, their customer service reps are using fraudulent tactics to maintain customers.
Product: Checking or savings account

They have rearranged my purchases to purposely go in the negative and I specifically remember and documented that I had enough funds for all the purchases. they have done this countless of times and I dont get paid till next week so Im gon na get overdraft fees. For example I had a purchase of around XXXX but I then refunded it with the company. How does the purchase come after the refund? They rearranged it that way so it can go in the negatives. I bank with Wells Fargo.
Product: Bank account or service

Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.
Product: Debt collection

The number that appears from this debit collector in my credit report is irresponsible They never attend the call. the number is XXXX XXXX XXXX. Therefore, I have been receiving thousands of calls from many different numbers really annoying me from this Syncb/PPC. I don't know what is that and I don't owe any balance of any credit card. In fact due of problems i faced with those companies in the past I don't keep any active credit card account. I only have the debit cards of my bank accounts. nothing more. Based on my credit report they say I owe then {$520.00} which I do not recognize as mine at all. Should be fraudulent charges. I want them to stop bothering me with this insistent calls every single moment and show proof of purchase in my name if they insist, those charges are mine.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} INQUIRIES : XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

This complain is closely related to the previous two complaints under # # XXXX and XXXX. In the last one officer of the bank indicated that I could fax the required documents again or call their fraud line. Since I have hearing problems and do not use phone to discuss important issues, I fax the requested document again on XX/XX/2024. Until today, XX/XX/2024 the reward amount was not transferred to our account!!!
Product: Debt collection

A few weeks ago I noticed a new entry of a Collection account on my Credit Report ( CR ) via XXXX XXXX XXXX online platform. The new entry was from CBE GROUP collection amount = {$900.00}. I was able to dispute this new entry with XXXX Credit Bureau, however, in their Account Dispute they did an Update, and the new entry remained on my CR. I intuitively knew something was wrong when XXXX left the fraudulent entry intact, I then decided to check my profile with XXXX to make sure my information was correct and accurate -- -it was there I discovered that CBE had provided an erroneous address to XXXX and the other Credit Bureaus such as XXXX and XXXX  . The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this CBE collection claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.
Product: Money transfer, virtual currency, or money service

That person scam me. I hired a specific service that he was going to do for me and after making XXXX payments, he just disappeared, didn't complete it, he wanted more money and I didn't give it. He stopped responding and I think he blocked me, I have all the evidence here. I have numbers and the IP of the person. 

I tried to contact the bank when the transactions still pending, but they don't reverse it and didn't want to give my money back. 

the payments were to through XXXX : XXXX XXXX - XXXX - {$85.00} XXXX XXXX - XXXX - {$100.00} XXXX XXXX - ( XXXX ) XXXX - {$100.00} Date/Time XXXX XXXX XXXX XXXX XXXX XXXX Country United States XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/22, XXXX AM XXXX Complaint Referral Form XXXX XXXX XXXXXXXX # XXXX Other Operating System XXXX XXXX User Agent XXXX ( XXXX ; XXXX ; XXXX XXXX ; XXXX ) XXXX XXXX XXXX XXXX Referring URL no referrer Host Name XXXX ISP XXXX
Product: Credit reporting 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. 

account name : XXXX & XXXX account XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 602A States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish my account without 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, other than records of conviction of crimes which antedates the report by more than 7 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 or other personal consumer reports

under the fair credit reporting act it is a violation to report inaccurate or in error information to the consumer credit reports Learning that someone stole your identity can be extremely stressful enough I have all required documentation that is asked of to remove the following accounts that was not authorized by me XXXX XXXX- date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXDate opened XXXX XXXX XXXX XXXXOpen date XX/XX/XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXXOpen date XX/XX/XXXXXXXX XXXXOpen date- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

LOAN DEPOT RAN MY CREDIT ON XX/XX/2021 REF NUMBER IS XXXX TRIED CALLING THIS COMPANY SEVERAL TIMES NO ANSWER XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Checking or savings account

Ive slowly been closing and limiting my account with Wells Fargo due to far too many bad business practices I have seen them do. I kept one account open minimum funds. Accidentally a bill pay which I forgot to switch over to a new bank and account went to Wells Fargo. That transaction put my account at XXXX dollars. The next day XX/XX/24 I initiated a transfer from a current bank in the of {$190.00} to cover that and to put some extra into this we account. While waiting for this to post I got an overdraft fee of XXXX then the next day another overdraft fee because again a bill that went to wf in the amount of XXXX. Wells Fargo still hadnt posted the funds ( XXXX. ) I had transferred in to cover the two charges of {$54.00} and {$7.00} So there were now to exubrante overdraft fees if {$35.00} each posted. Wells Fargo seems to have selective posting. They repeatedly show shady practices. I contacted them however the customer service people were rude and annoying. They seem to breed a culture of gaslighting and annoying customers. They would not assist. They said that the automated system said I had an overdraft fee reversed several months ago. I closed my accounts at that time and the remaining account was at minimum funds. Every opportunity they get to swindle customers they certainly do, seems like they are set up to do harm to consumers and steal from them. This is horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. 
They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. 
I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.
Product: Credit card

I was informed about the interest rates on my card ( {$370.00} )! I pay my bill faithfully! I WAS NOT made aware of those charges! JUNK FEES!
Product: Debt collection

This credit card debt is past the statute of limitations. They keep reporting it as new collections debt every month to the credit agencys they call where there number is different every time. Told them the debt is past the statue of limitations so they can not sue and to stop calling me yet they still call several times a day with fake numbers
Product: Mortgage

I have been trying to work with Flagstar bank for a loan modification on my home loan since XXXX XXXX XXXX. While I am behind on my payments for 2 months, I have resumed making the regular monthly payments. I have called numerous times and Flagstar bank are not assisting me in any way, outside of the forbearance option. They are not helping me to obtain a loan modification at all. It seems that they have waited until the end of the forbearance, to process and review my loss mitigation request to have my loan modified, leaving me no time to make an informed decision on how I will be able to pay back the 2 months mortgage that I am behind on. The hardship happened due to a job loss XX/XX/XXXX, I then needed to assist with my elderly mother who had a serious issue with XXXX/ XXXX, XXXX, had to move her from the XXXX XXXX in XXXX XXXX XXXX to be closer to my sister in XXXX XXXX It has been really difficult couple of years. Please assist me in getting Flagstar Bank to give me fair options for my loan modification. I have excellent credit scores -ranging above XXXX. And I do not want my credit to be affected by unfair practices made by Flagstar Bank
Product: Mortgage

Since my initial contact with Prosperity Bank dba XXXX XXXX  & Mrs. XXXX XXXX in XX/XX/2019, I had let it be known that I would be using any and all proceeds from the sale of my previous home to put down on the purchase of my new home, making the loan needed as small as possible and making my monthly mortgage payment lower. I was sent a loan estimate on XX/XX/XXXX showing that my loan would be for {$140000.00} and {$82000.00} would be my cash to close, including closing costs with a closing date of XX/XX/XXXX. See attachment # 1, XXXX. 

On XX/XX/XXXX, three days before my closing date, I was informed by Mrs. XXXX that my loan was being changed to an amount of {$170000.00}. My cash to close had been lowered to {$51000.00}. See attachment # 2, XXXX. I asked her why this was happening. She responded with the question " Have you made any plans for your future? '' or something to that effect. She then began to sell me on investing services and financial planning through XXXX XXXX XXXX. An email from Mrs. XXXX referencing this is attached as XXXX. She wanted me to take the money I had previously stated that was to go toward the purchase of my home and use it on some investments I had never inquired about or even desired. I also think it is obvious that she did this to get a bigger commission for this transaction by making me agree to a bigger loan. XXXX  XXXX will also make more when they sell the bigger loan to another financier. 

At this point I had three previous home purchases fall thru for various reasons starting back in XX/XX/2019. I had already made plans to vacate my temporary residence and had called my moving service to deliver my belongings at my new address and requested time off from work when the unwanted change in the loan was presented to me. I was anxious to get into a home of my own and use my belongings that had been in storage for the better part of a year. I believe she timed this change to take advantage of the situation and coerce me to agree to a loan I otherwise wouldn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XX/XX/2022 asking that they please add two XXXX XXXX XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the two credit cards in question. Equifax, as of today, has refused to add these two accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these two accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX  XXXX XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?
Product: Credit reporting

transunion is reporting student loans incorrect with late payments, i have disputed this XXXX XXXX times in the past with them and have requested documentation showing that i have paid these late and have not gotten it. I have not paid these loans late. these loans are closed/ transferred and reporting inaccurate
Product: Checking or savings account

On XX/XX/year>, Capital one experienced a technicial issue with a third party vendor in which has delayed the payday direct deposits. With not having my paycheck posted as normal, this has created late fees with credit cards through XXXX  XXXX and XXXX  since credit card bills and payments could not be made. Upon this writing, it is now Friday XX/XX/year> @ XXXX and there is no news on if and when we will receive our direct deposits. This has created an immediate financial hardship when you live paycheck to paycheck.
Product: Debt collection

Portfolio recovery Associates of XXXX, Calif. have repeatedly sent me calls regarding a past due delinquent loan account payment that is not mine. insisting that i set up a payment plan with them and settle this matter without further interest payment increases. I was offered several options as i repeatedly interrupted and proclaimed that it was n't mine. 
i told the person that there are many people out there with my name because it was very common, if they could please re-verify it once again. I was told " our system, clearly shows sir, that you have a balance of {$1200.00}, " How would you like to make a payment today sir? Debit or Credit Card or check over the phone using your router number and checking account? What amount are you paying today sir. I did n't have time to speak. I finally said, NOTHING!! I told you, I do not have a XXXX Account that is still open, I had one, but it was closed out. it was an auto loan. i said, send me to court! i will prove that you are wrong. She said, we ca n't take you to court sir. then why are you calling me? i 'm on the ' do not call list!! but you owe us this money sir, it was a loan in your name. you still owe this amount, plus interest. i hung up. i really did n't think they meant to speak to me.
Product: Credit card

I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.