23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Product: Debt collection

A company by the name of Portfolio Recovery Associates contacted me at work one day during the week of XX/XX/2019 and I told the young lady very clearly to not call my job or I would in fact sue them. Again today I receive a phone call from the same company Portfolio Recovery Associates # XXXX and I told him again to not ever contact me at my job again.
Product: Checking or savings account

Capital one with held my direct deposit from me and they wouldnt give me a reason for the problem. It took the bank XXXX days to release my funds
Product: Credit card

So in XXXX I took credit advances against my Cap One Venture XXXX credit card on three separate occasions while on an international trip. The card charged me {$10.00} each time as a fee, which is expensive but is the agreement. To avoid paying interest on the money as well, I would pay off the entire balance after each transaction the same day to clear my account to {$0.00}. Despite this, the bank charged me {$1.00} interest despite having cleared the balance. Basically, there is no way to stop the interest charges on this card once you take a cash advance other than to stop using the card completely. I called to ask about this charge and was treated very rudely by customer service, which accused me of not paying my bill on time. I have again completely paid the balance and will try to stop all automatic charges against this card to see if the Cap One will continue to charge me interest. I am not upset about the {$30.00} in cash advance fees, but rather that the bank will never let me stop getting charged interest on the account, and wants to treat me rudely in the bargain for a {$1.00} fee.
Product: Credit reporting or other personal consumer reports

Noticed late payment on account due to billing error. I have never been late on this account ( XXXX  XXXX XXXX # XXXX XX/XX/2024 ), disputed with all three bureaus, XXXX deleted the negative and updated the account to paid as agreed however the other two, XXXX and experian did not. 15 U.S code 1681 ( b ) credit reporting agencies must assure maxmium possible accuracy of the information I believe this is being violated. If proof can not be provided I demand these payments being updated as paid as agreed on time. In addition all three consumer reports must report accurate and same information across the board which mine does not with the deletion on XXXX but not XXXX or Experian which is a inconsistency.
Product: Credit card or prepaid card

I wanted to send a book as a gift. I purchased the novel " XXXX XXXX XXXX XXXX '' on XXXX and XXXX on XXXX. The book is by XXXX. XXXX, a XXXX XXXX wining author. 

Instead of sending the book I paid for, they sent some weird comic book. A picture of that book with the receipt is attached. 

When I informed XXXX and XXXX of the error, they refused to rectify it. 

I went to my credit card company to protect me from this fraud. I filed a dispute and they requested evidence, but forbade sending any photos or files as evidence. I therefore sent them a recounting of what happened. 

XXXX failed resolve the dispute in my favor. With no notice to me, they reversed my credit. As a result, XXXX and XXXX stole my hard earned money and I never got the book I ordered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account no. XXXX  amount {$960.00} remove DEROGATORY remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXXXXXX XXXX account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX account noXXXX XXXX amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXX XXXX account no. XXXX  amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX account no. XXXX amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX account no. XXXX  amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXXXXXX XXXX  account no. XXXX  amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX XXXX account noXXXX XXXX amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report 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 n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights XXXX 

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: Debt collection

I've submitted multiple times requesting debt validation from both H & R accounts as well as XXXX. XXXX  continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from XXXX  advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

H & R account has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited
Product: Credit reporting, credit repair services, or other personal consumer reports

As a loyal Capital One customer I wanted to request accounts ending in XXXX be removed from all three credit Bureaus as a good will gesture I want to continue to bank with capital one and establish an loyal partnership but as such these XXXX accounts on my credit report are negatively hurting me and I need these to please be removed
Product: Credit reporting

I received a letter from Experian dated XXXX XXXX, 2015 stating that i needed to call them directly as they believe my dispute by mail was suspicious. After speaking to XXXX of there representatives and providing proof that they are reporting wrong personal information, they still claim to have verified my inaccurate information and will not remove it. I asked for proof of there verification and they will not provide it to me. They are also reporting inaccurate and unverifiable accounts and they will not remove them.
Product: Credit card

i received a phone call stating there was fraud activity on our Citibank XXXX visa card. He had birth year, home address, & last 4 digits of the card, He was very hard to understand so i asked for a call back number to speak with someone else. phone number given was XXXX. 
i then called Citibank directly to verify the information he provided. i spoke with XXXX XXXX who did advise there was NO fraud activity on our account. She also confirmed this directly with their fraud department. 
i did a reverse phone number search on XXXX and discovered this area code is associated with scammers. What can be done to stop this?
Product: Debt collection

In reference to the prior complaint XXXX XXXXXXXX against Nelson Cruz & Associates. I have requested over 45 days ago for a debt validation, original contract that is signed they sent a partial contract with about 25 missing pages and several missing signatures as well as wrongful audit findings. They have not supplied no documents with proof of ownership of the debt between them and the original lender to be able to collect on this debt. But have placed this debt on my credit reporting negative to damage my credit. They have tried to collect money from me for a settlement but can not provide proof or facts of any ownership on their or my behalf. Between all the disputes I have been doing with XXXX, XXXX, and XXXX CFPB they have now written off this debt and sold it to another lender. Which results right back to illegal actions not providing a 1099-C if they wrote it off they are to provide a 1099-C because I am to file that on my taxes. They have not provided the bill of sell between either parties that the debt has been passed around and bought back and forth to. They have not provided any debt validation and or proof on signed contract between any lenders. As I have stated in my prior complaint that I will have the IRS involved in these complaints and checking into this company auditing to make sure they are following state guidelines and regulations. I also will have my legal advisor attorney doing his investigation.
Product: Mortgage

LoanDepot.com, LLC processed a loan application without my knowledge or approval. I received a letter of denial for the reason ; credit application was not complete. I did not complete the application when I decided I wasnt interested in applying for the loan. The Statement of credit denial is dated XX/XX/year> for a mortgage application. I have spoken to them but they will not correct it.
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # 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 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: Bank account or service

First Niagara Bank was sold to Key Bank. On XX/XX/XXXX, the date of the transition, it took over 4 hours to gain access to my accounts online. On XX/XX/XXXX, Key Bank deducted my mortgage payment ( they call it 'auto deduct ' ) which I did not authorize. This caused an shortage in my acccount. Key then deducted funds from my savings account to partially cover the shortage. When I discovered the error, Key told me it would take 10-30 days to correct. I left work ( losing pay ) and went to a branch and demanded the error be corrected immediately. It was corrected the next day. The following week, Key again overdrew my account by making duplication payments to XXXX other accounts. Unfortunately, they did not reverse their unauthorized deduction from the savings account so I had no funds to rely upon while Key figured out how to correct the error. They then accused me of setting up something they call " Auto Deduct '' which I never used with either Key Bank or First Niagara. On XXXX/XXXX/16, I set up a bill payment for my mortgage with Key Bank and the funds were deducted. 
As of XXXX/XXXX/16, the payment has not been posted and Key Bank departments - Mortgage Servicing, Online Banking or the branch - can figure out why the payment is not posted. All departments acknowledge the withdrawal of the funds from my account, however, I receive daily calls about a late payment, and daily mailed notices with threats that my credit rating may be in jeopardy. This is not fair or right. I did not ask to be transferred to Key Bank and since being assigned to them, I have to check my account online at least 3 times per day to insure that the bank has not tampered with the account without my knowledge. Their lack of internal controls, their obvious inability to handle the transition of accounts from First Niagara and they accusatory behavior towards their customers should be dealt with. I am trying to go to another bank but refinancing my mortgage will cost me even more money. But I am at the point that I have no other choice. Can you help me get through to Key Bank and have them fix their errors?
Product: Debt collection

Calvary Portfolio Services, LLC in New York has repeatedly reported false claims of {$10000.00} ( Account Number XXXX ) debt that I do not owe or known anything about on my Credit Profile, impeding on my ability to secure any measurable credit and have refused to substantiate how we established a mutually, and agreeable financial relationship with for which they are demanding a payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX account on the XXXX Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to XXXX. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is XXXX grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
XXXX is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. XXXX will find a way to keep your score from rising. 
I feel that XXXX IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score hit -- Experian sells services I took advantage of falling interest rates to refinance my home, going through the same mortgage servicer.

In doing so : Score dropped 22 points XX/XX/XXXX Score Dropped XXXX points XX/XX/XXXX Score Dropped 12 points XX/XX/XXXX Experian wants to sell me products but doesn't want to answer my question as to how Lowering my home payment makes me a larger risk?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to late payments. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$530.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX CO - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX
Product: Bank account or service

I signed up for a Citi Gold account online and entered a Promotion Code : XXXX where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT I SUBMITTED DOCUMENTATION AND THE ACCOUNT WAS REMOVED TODAY I NOTICED THAT THE ACCOUNT REAPPEARED ON MY CREDIT REPORT. I AM REQUESTING THAT THESE ACCOUNT BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I took out an auto loan with XXXX XXXX ( online ). I asked to borrow in addition the amount of the sales tax. The lending agent incorrectly computed the sales tax amount and sent a check for {$1000.00} to the Colorado Department of Revenue. When I went to register the vehicle, I was told the amount was incorrect because Chase had calculated city sales tax and I live in an unincorporated county and don't pay sales tax. 
On XX/XX/XXXX the Department of Motor Vehicles returned the check to Chase with directive to send {$560.00} to cover sales tax and to credit or refund the customer the balance of {$470.00}. I have been asking since XX/XX/XXXX when I learned of the discrepancy how my account would be credited. 
Initially I was told it would take 2 - 4 weeks and would show up as a credit on my loan. I have sent 14 messages to Chase online, and called them over 12 times and no one can seem to take care of this.

I know the letter from the DMV is on file with Chase as one of the employees found it and told me Chase received the check and letter and returned the correct check in the amount of {$560.00} to the DMV on XX/XX/XXXX. It is XX/XX/XXXX, and now i have a message from them saying they will no longer contact me. I've called the XXXX XXXX at XXXX today ( XX/XX/XXXX ) and was told my " agent '' XXXX was busy and would call me back. That is their standard answer. 
I am on my 3rd deadline they set for themselves to resolve this. The first was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. They never tell me they moved the deadline - I have to call and ask. 
I feel they not only need to refund the overage loaned amount to me but also refund interest charged on that amount from the inception of the loan. This amount was based on their calculation, not mine. 
Can you please help me? It's hard to believe a bank can not subtract {$560.00} from {$1000.00} and see they have never credited my loan amount or sent a refund.