23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to inform you of theft transactions that occurred on my Discover Bank account during the night of XX/XX/XXXX and the following morning of XX/XX/XXXX. These unauthorized transactions, totaling {$4300.00}, took place while I was at home asleep and unaware of any fraudulent activities. I became aware of these transactions only on the morning of XX/XX/XXXX. The debit card used for these fraudulent activities was never received in my mailbox, and I never had possession of the physical card. I have disputed the transactions with the Discover Bank team, and they have advised me to file additional documentation with the Police Department. On XXXX, XX/XX/XXXX, my activities included dropping my XXXX  off at the XXXX, going to the office, picking up my wife from the XXXX, dropping her off at the restaurant XXXX XXXX, returning to the office, then going back to pick up my XXXX  from the restaurant and attending a house inspection at XXXX XXXX. Later, I visited XXXX around XXXX XXXX  and returned home around XXXX XXXX. I was at home the entire night and the entire day of Saturday, XX/XX/XXXX. I can provide my XXXX XXXX  location history to verify my whereabouts during this period. Additionally, I have never given my card information or permission to access my card to anyone. The person who misused my card had called Discover Bank to set up the PIN of the debit card and again called Discover to make an internal transaction from the Discover savings account, transferring funds in the amount of {$3000.00} and {$2000.00} to my cashback debit account. I am unaware of the security protocol at Discover, but the person who accessed setting up the3 PIN with Discover and making the internal transaction was able to do it all very easily, imitating myself. The only specific transaction detail I have is a charge of {$93.00} that occurred at approximately XXXX XXXX  on XX/XX/XXXX at XXXX in XXXX. I have filed a case with the XXXX, and the reference number is attached. I kindly request your assistance in investigating this matter further and providing the necessary documentation to support my dispute with Discover Bank. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I settled and fully paid off an account with a company, XXXX XXXX 

Two of the main credit reporting agencies updated my credit report to show paid with a XXXX balance. However, Experian never updated my report. It shows the account closed, but with a balance of {$2900.00}. 

I called Experian and asked them to correct the account ( I did not record the date ). That got me nowhere. 

On XX/XX/XXXX, I submitted a dispute online. They added a comment stating I disputed the account and it was resolved, but the balance still remains. I also submitted a dispute with supporting documentation by mail with no resolve. 

I called XXXX XXXX directly and asked them to notify Experian of the paid in full status. They said they had already notified all of the credit reporting agencies, but would notify them again because of my situation. 

Still no resolve. 

On XX/XX/XXXX, I contacted XXXX XXXX again. They stated they would notify Experian again of the account status and XXXX balance. 

XX/XX/XXXX, I tried to submit another dispute with Experian. Their website blocked me. I mailed another dispute and called again. I was transferred and left on hold. 

I have been denied credit because of this account. I am working with a bank now who said they were not yet certain if they would approve me because of this outstanding balance, even with the letter from XXXX XXXX and the canceled check. 

This has become urgent. My rate is only locked in until XX/XX/XXXX. If this takes longer to resolve, I will be paying a higher rate due to the increase in interest rates. 

Please help me. They are ruining my financial future and security. 

I have names, phone numbers and addresses of people I have spoken to. I wasn't sure if I should list them here.
Product: Vehicle loan or lease

according too 15 U.S codes 1635 ( b ) Return of money or property following rescission. ( downpayment ) {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian auto enrolled me to their membership and do not let me unsubscribe. They keep charging me XXXXmonth and there is no way to cancel the service. They are stealing money from me and I cant stop them from doing that since they have my credit card information.
Product: Bank account or service

I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX
Product: Debt collection

I went into Macy 's to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a Macy 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called Macy 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from Macy 's. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from Macy 's and owe them nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was investigated for 1 day before shooting me down. My only recourse at this point is to file a law suit against all the proper channels inwhich is involved and has caused me pain and suffering due to a lack of investigation and failing to apply the law as it should to this particular situation. And, again my problem is that an account ( XXXX XXXX ) was removed from my report files XXXX of XXXX, but sometime without warning it reappeared XX/XX/XXXX. As a general rule whenever an account is reinserted on ones credit file, the consumer should be notified within 5 days, and this did not happen, instead it was reinserted, why?, especially when there's already a police report attached to my files stated the about account is fraudulent and this XXXX XXXX account shall be permanently and immediately blocked and removed from my credit file.
Product: Mortgage

I tried to refinance my house with Amerisave. I have a high income, high credit score, debt free, this should have been an easy loan. Month after month after month they kept asking me to submit information that I had already submitted and they had confirmed received. So I would have to call and remind them about how they already have it and we even talked about it after they received it, and they they would remember, again. It was a trail of incompetence that I would need a book to detail. But after 4 months I finally just asked if they they refund my {$500.00} application fee and allow me to go somewhere else. They agreed. But that was XXXX, it is now XXXX and no refund. They say they are sending it, just wait. But it never comes. It did not take me months to pay the fee, they should be required to refund it in the same year they took it.
Product: Debt collection

Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been 6 months sending paid in full balance letters from XXXX XXXX XXXX  XXXX, XXXX XXXX   / XXXX  XXXX and XXXX XXXX Bank in order for XXXX and Equifax credit bureaus to remove and delete permanently these accounts from my credit report. XXXX  deleted and removed these account since XXXX XXXX. It is impossible and completely unfair that experian and equifax received the same letters and the same information and these accounts still showed on my credit report. I am going to attached the credit reports from XXXX on XXXX and the one on XXXX in order to demonstrate how these accounts were deleted and removed permanently. I am still disputing and waiting for equifax and XXXX to removed and deleted these accounts, these should had be done the same date that XXXX delete and removed them completely, I even have a membership with XXXX and Equifax in order to be constantly disputing and sending the same documents via fax, mail, email, I have register on this 2 companies website XXXX and Equifax and I even upload the same letter into their web site. How much money do I have to waste in order to get this issue resolved. I even register with XXXX XXXX credit repair services it has been unsuccessful
Product: Debt collection

Jefferson Capital is seeing me for a debt that has been disputed numerous times in the amount of XXXX dollars, and XXXX dollars, they keep restarting the debt collection as I kept letting them knownthat.my personal information was breach and I was unaware of this company or the charges they are showing. I also have a debt collection company XXXX  suing me for a XXXX debt collection and a XXXX dollar collection that is not mine and it has not been removed from my credit after numerous time of disputing and showing the inaccuracies
Product: Debt collection

This medical company violated my rights under the HIPPA LAW sold and shared my medical history information with various parties. They also shared my medical information with various credit bureaus and they know my medical history. The hospital was not so suppose to bill me because the visit was under a charity program. This charity program pays the hospital visits in full. Moreover, my medical history is being sold and passed around to different creditors.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 around XXXX, I was using my PayPal account to make some purchases online. I noticed a subscription service that I no longer wanted so after finishing my purchases online I went into my account and decided to end the debit card associated with these unwanted purchases and order a new debit card. Immediately my account was permanently banned without warning and all my funds XXXX XXXX XXXX were locked to my knowledge indefinitely. After calling to speak with customer service they informed me that my account had been permanently banned for fraudulent activity and I had broken policy for using a XXXX  service while accessing my PayPal account and that it would have to be reviewed whether or not my account can be unlocked. The thing is I have received direct deposit to my account for the last 8 months from my employer. I have proven my identity to the PayPal representative and I have not done anything fraudulent. I have had my XXXX  active while accessing the account the entirety of the accounts life. Then, suddenly, without warning, I am breaking their policy and my funds are no longer accessible. Because of this my livelihood has been affected and my finances are pushed back weeks. When I got off the phone with customer service they told me to wait for an email explaining what the review on my account has decided and they have not emailed me at all. It has been 5 days since I was supposed to receive an email and I was told it would be no more than 3.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$470.00} XXXX XXXX XXXX  XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$180.00} XXXX  XXXX Balance Owed : {$32000.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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

Moving company moved me and stole several tools. I disputed the cost of moving with my credit card company after movers refused to reimburse for stolen tools. Dispute was denied by moving company and charge was reapplied to my credit card. Moving company sent my account to United Legal Group for debt collection. 

Debt collectors harassed me and threatened me. I provided multiple documents showing debt was paid in full. They told me they were closing my case and agreed account was paid in full. Then I received notice that my account was reported to credit bureaus
Product: Credit reporting or other personal consumer reports

I have ask them to remove incorrect names and addresses. 
EXPERIAN Refuse to remove them from my credit and its hurting me because there XXXX be some account that my be hurting my XXXX XXXX, and me from getting a home
Product: Prepaid card

XXXX XXXX cuz they were going to resolve it give me money for the companies and all that were really charging me and taking off my card but that's the thing now I'm seeing new charges on the new card that I have to request a new card again because that XXXX card number is being charged the same charges of the companies obviously didn't want to know what was going on cuz they were the subscriptions were not unsubscribing and I they were really charging me well they took him off and you know obviously that's why I got a new card so that those companies couldn't have access I'm like being the pride of benefits for SSDI because I can not work when I got approved as they even in new cancers know that there's way too many triggers of XXXX from from birth till now that trigger it I'm supposed to be getting XXXX portion of my deceased mother that is my daughter mom and I'm supposed to be getting my {$3000.00} a month for my SSDI because a XXXX XXXXXXXX is a XXXX has nothing to do with how many hours you worked you know or how many tax money is you put in that has nothing to do with it if you XXXX is mental or physical and I have mental XXXX of XXXX XXXXXXXX XXXX  severely I've been diagnosed with that all my life as well as they went back 10 years into my mental health history and so from the date of issue and started of what they got I should have 10 years was a back payment still that they owe me and they still didn't even give me my third payment of the XXXX that they said they were going to give me when I first started back in XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several unfamiliar inquiries that I dont recognize or recall initiating. I haven't applied for any new credit, nor did I give permission for these companies to access my report. This unexpected activity is causing me a lot of stress and anxiety.
Product: Credit card

On the back of Dell credit card and account statements they are using a unique symbol instead of an e. I believe this may invalidate a lot of debt to consumers. I do believe they have options to opt out of interest, but I would have to look again. Maybe someone would look into it.
Product: Debt collection

hello, to whom it may concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I acknowledge receipt of your response to my complaint. I would like to thank you for the opportunity to address my concerns again regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) on XX/XX/2021 I made initial communication to demand for this debt collector to cease all communication with me and remove false information On my consumer report, Notwithstanding they have furnished information without my consent. In the initial communication I requested the 5 method of verification under 15 usc 1692g ( a ) on XXXX i received statements from this debt collector after i have requested for them to fulfill these allegations. This company has failed to verify this information or provide me exhibits Accordingly. In their initial communication this unfair debt collector sent me symbols other than the debt collectors address which is a violation of 15 usc 1692f9 ( 8 ) I kindly ask this 3rd party to provide me how this review of this matter was confirmed accordingly. XXXX your internal policies where talking about federal violation laws your client has violated me.I did not ever give consent to this debt collector to communicate with me in the first places which is a violation under 15 usc 1692C ( a ) this office should know this law under the FDCPA since yall are regulated by them. However, in an effort to resolve this matter outside of litigation, im requesting a settlement offer. If the offer is not accepted I would be starting litigation proceeding immediately concerning my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Paid off Kohls account online in full because in escrow {$58.00} was total due in full on XX/XX/22 I paid it then cancelled my auto pay on the account because wasnt planing on using this account till after escrow & closing on my new house then they say the mailed a statement showing I still owed get this {$6.00} which I didnt because I paid it off I never got the mail because I moved & did forward my new address for another state so they say I was late a month on said payment & I never got a phone call either like they have in the past & they reported late payment to credit beaus killing my credit score XXXX points & I close next month on my house I need this reserved asap! I did call in & they said dispute it but that wont help In time I could loose the house please help. I did make the payment of {$8.00} right away when I got an alert from my credit services advising of the points change.
Product: Debt collection

The collection agency Valentine & Kebartas , Inc. which is located at XXXX XXXX XXXX # XXXX, XXXX, MA XXXX has repeatedly harassed me morning, noon and night. This company is collecting for XXXX XXXX. Although I have reached an agreement with XXXX, this collection agency continues to call me. I have also sent them a cease calling notification and file a complaint with the XXXX in MA. They call me from many numbers which are spoofed to appear that are within my state. Something has to be done, they are calling all times of the day and night. sometime they wo n't say anything but breathing loudly. They call and hang up many time as well.
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, has violated my rights. 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: Checking or savings account

A few weeks ago, I disputed a XXXX charge to my Bank of America debit card in the amount of {$40.00}. My reason for the dispute was because I had cancelled the ride and, therefore, did not use their service. The Bank issued a credit while they investigated my dispute. Yesterday, the Bank debited my card for the {$40.00} and when I called to find out the reason, they said they had not received a response from XXXX and was going to go ahead and charge me the {$40.00}. How can they charge me the {$40.00} because they did not get a response from XXXX?! Also, I still havent received any response from another complaint ( # XXXX XXXX against them, and now this issue has arisen. I am going to close my account with Bank of America because they are no longer acustomer/consumer-friendly institution, but I need these issues resolved first before I can move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Telephone Companies I ordered service in XXXX and they put three inquires on my report for the one time order. This is unacceptable. You can not reach anyone at XXXX to try to solve this matter. I have called and just get shifted around
Product: Vehicle loan or lease

US Auto Finance has a balance reflected on my credit report which shows charged off. This car was totaled. I did not receive any letters or calls stating that there was a balanced owed. If this company checks my account can they see I called to inquire if my load was covered with the payoff from the insurance company and was told yes. There were no further communication from US Auto.  In years my account was never late!!! I demand this be removed from all credit reports as I have no statement showing what this balance is for or why!