23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXx had an address for me in California. 
XXXX had my birth year off by 5 years. 
Experian has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Product: Credit reporting or other personal consumer reports

My Consumer information was compromised and there are inaccurate information, on my consumer report
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a cash deposit in the amount of {$2100.00} at a chase atm branch located at XXXX XXXX XXXX XXXX. The atm malfunctioned and gave me a receipt to check on the status of the deposit. I made a claim over the phone and along with the branch at above location. Within 3 days I was credited. Fast forward to XX/XX/XXXX Chase bank decides to reverse the credit and it takes {$2000.00} of my money from my account. I follow up on XX/XX/XXXX with a dispute of their investigation. They claimed the ATM didnt go over. I asked to see the cameras and they refused. I know what I deposited in the atm on XX/XX/2023. It was {$2100.00} cash all in {$100.00} bills. Please help me stop these crooks from taking my hard earned cash.
Product: Credit card or prepaid card

Reply to Complaint ID XXXX : Respondent ( Discover Bank ) failed to address why their customer service representative belonging to Discover Bank assured me refund after I upload letter from XXXX XXXX attesting to the quality of product as not as advertised. Attached is the letter I uploaded over XXXX ( XXXX ) months ago. XXXX XXXX  is not addressing Misrepresentation of fake leather being sold as genuine leather. Moreover, XXXX stated on phone I received their nurse promotion as part of XXXX giving free furniture to nurses minus delivery charge ( attached ). XXXX however charged my card full price anyway, no contract or paperwork was ever given to me because whole purchase was done over phone during covid.
Product: Prepaid card

My dispute is with Vanilla Gift Card. 
On XX/XX/2023, Customer service confiscated {$49.00} from my Vanilla card, XXXX XXXX XXXX XXXX. 

Briefly : My original card was hacked and funds stolen. I filed a complaint and received a replacement card ( XXXX XXXX XXXX XXXX ) with a balance of XXXX $ and this amount is embossed on the card. 

On XX/XX/XXXX, I activated the replacement card and made a purchase of XXXX $ On XX/XX/XXXX I made a purchase of XXXX $ These two purchases left me with a remaining balance of XXXX $ Customer service put a hold on the remaining balance on XX/XX/XXXX. I have been told, twice, that the funds would be returned to the card. 

The last time I called I was told that the XXXX $ had been taken as a result of a merchant dispute. The representative could not tell me the name of the merchant, nor, the date of the disputed transaction. 

Both the confiscation of my funds, and the contradictory reasons for that confiscation, are completely unacceptable. To repeat, Vanilla sent me a replacement card with a {$260.00} balance AFTER investigating the hacking of the original card and finding that I was owed {$260.00}. 
Now, they say thy took the funds on XX/XX/2023, due to a merchant dispute but won't tell me what merchant nor the date of the purported disputed transaction.
Product: Debt collection

I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits
Product: Debt collection

As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : MIDLAND CREDIT MANAGEM : Acct XXXX XXXXXXXX My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, Northern District of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
Product: Mortgage

I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.
Product: Credit reporting or other personal consumer reports

I want to be clear that this isn't just a mistake. There are inaccuracies on my credit report that are really affecting me, and it's been a heavy weight on my shoulders. These errors are having a bigger impact on my life than I can explain, and it's been a tough time
Product: Credit reporting or other personal consumer reports

Credit Bureau Data has refused to send a detailed receipt of items purchased at XXXX XXXX. They are making up dollar amounts without proof of what was even purchased. Repeated requests for detailed billing have gone ignored.
Product: Credit card or prepaid card

I have two existing checking accounts at Citibank ( Citi ), and I recently applied for and was approved for a Citibank Executive Mastercard ( MC ). Shortly after my MC was activated, I received an email from Citi advising me that for my " convenience '' the MC was linked to the existing checking accounts. This was done without my consent or approval. I called Citi and advised that I did not want the accounts to be linked. To ensure the accounts would not be linked, I was instructed to create a separate User ID for the new MC, which I did, and the accounts were unlinked. Within 24 hours, the MC was again linked to the checking accounts. I called again, and the account was unlinked, only to be linked again in 24 hours. I went through this exercise for the next three days where my MC was unlinked then linked back to my checking accounts. I called Citi to complain that they are tampering with my account without my consent. They keep linking the MC to my checking accounts without my consent and against my explicit wishes and instructions. In fact, they are altering my account without my approval as they are utilizing a User ID for the account which I did not authorize since I have established a specific User ID for the MC.
Product: Payday loan, title loan, personal loan, or advance loan

When I first took this loan, the interest rate were not explained to me otherwise I would've never took the loan to begin with when I decided that I wanted to close the loan. It was ready too late. Also, I was told that after XXXX months period of me paying the loan on time I will be eligible For secure loan, which never happened when I ask the company to send me all the receipt of the payment that I made through the loan I was never able to get them online is not available at this point is very difficult for me to even paying this loan and I don't know what to do because every month I pay a little bit, however the interest is keep getting higher and higher. This company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : 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: Checking or savings account

I tried to deposit a perfect-fully good check {$8000.00} by a in district lawyer. XXXX XXXX President of Renasant Bank XXXX the first lie ) told me he couldnt verify the lawyers check. ( knowing my MS law its illegal to have anything over {$3500.00} in your hands ) and had me drive to the lawyers bank with wands of thousands in my hand bringing  {$8000.00} back to my bank. 

Now Im depositing {$69000.00} and another {$9000.00} into my bank account. These are perfect -fully good checks ( sender and receiver have no problem ) XXXX XXXX accused me of fraud and called me to tell the checks havent been verified yet but, hes sure they are no good ( its discrimination ) than he calls the senders bank fraud department and stirs a mess. Now we ( the sender and receiver are calling to straighten  his mess out ). 

The President of the Renasant Bank ( XXXX XXXX ) is in a deprived mind against human beings of a financial stability. He is sick and this should be addressed. 

I have reported the Federal Reserve, the XXXX has been contacted, and I contacted the supervisor of the 1-800 Renasant Bank line.

Next, Im about to sue for emotional distress and discrimination. 

I am waiting some feedback. I am in the intent to take my banking business elsewhere. 

There isnt an end. XXXX XXXX cant lie and try to damage the reputation of innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in contact with Experian for the last month to gain insight as to why my credit score dropped by 17 points after I submitted a dispute to have 3 creditors removed from my credit. I spoke with someone on the phone at Experian and they stated that I would need to contact the creditors that I wanted to removed in order for this to be resolved. I contacted XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX stated that I would have to wait until XX/XX/2025 for the account to be removed. I spoke with XXXX and submitted a dispute and I spoke with XXXX and they also agreed to submit a dispute. I want to submit a complaint against Experian. I attempted to purchase a car today with XXXX XXXX and everything was going just fine until they see that Experian has reported that my car under XXXX XXXX XXXX  was repossessed. The car was totaled back in XXXX and the car dealer stated that in XXXX the car was repossessed. I paid off the rest of the balance with XXXX XXXX XXXX in XXXX and I'm at a XXXX balance. The car dealer said that the account is showing with Experian that it is a non charge off and that the car was repossessed. I have proof from Experian showing that the account has positive activity and that it was charged off and paid off. I have proof that my car was totaled in XXXX. I have been trying to speak with a manager for the last 3 weeks. An american manager because I can't understand their Costa rican managers. Experian isn't taking my situation seriously as no one looked into my credit the first time when I called to ask why was my credit score dropped by 17 points. No one. And now i find out that they are reporting that my car was repossessed. I will be happy to provide all the proof needed. Representatives from Experian have hung up on me and have transferred over to regular reps instead a manager as if they didn't want me to keep track of their names. I have proof of trying to contact Experian on XXXX and they still haven't responded. Please I'm trying to obtain a car for my family. We are in need of a car and have had our most recent car in XXXX totaled. I never thought that credit bureaus would be this neglectful and ill-informed to my credit. Please help review what is going on. Please help me get my credit on track and where it needs to be so that I'm able to purchase a vehicle. Please! I've been dealing with this issue for a month and I don't know where to turn. Thank you very much!
Product: Debt collection

A business in XXXX, Indiana, Named XXXX XXXX XXXX has contacted me of a debt i owe on a trumpet. THey have wanted the payment in full, but i have told them i simply can not do the payment in full. The delayed the process to turn it over to a collection agency, but once it has been sent to one we began to face more problems. United Recovery Solutions contacted us, we explained to them that we want to pay the debt, but can not possibly do it all at once, but they demanded we pay in full. We have requested XXXX times that they send us a letter with detailed information of what they are claiming. In return they respond by yelling at us, giving us ultimatums, threats about calling the police, pressing charges for a felony and they just keep harassing us by phone 2 to 3 times a day. Every attempt to get information from them has failed, we have asked them for more information such as employer ID, supervisor name, professional licence, etc. They just continue to give us the same threats and hang up. We feel and have been advised by the Federal Trade Commission and other agencies in Indiana to not answer their calls until we have a writing notification from them, again with a detail information, account number, etc. I called them today XXXX/XXXX/16 @ XXXX, because we have yet to receive mail with detailed information regarding the collection. I spoke with a man by the name of XXXX XXXX who at my request told me I was not going to receive any form of mail, then continued with the threats of calling the police and pressing charges.
Product: Credit card

I have an account with the Exchange Credit Program ( Military Star card ) on which I had multiple zero-interest promotions, all of which were in good standing with no missed payments. Two were expiring in XXXX XXXX timeframe, and XXXX was to expire on XXXX XXXXXXXX XXXX ( amount remaining was {$350.00} ). 

I made a larger payment in the amount to pay off the soonest expiring balance in full ( {$350.00} ) on XXXX XXXXXXXX XXXX, prior to the expiration date. All but {$15.00} of this payment was applied instead by the creditor to XXXX of the balances expiring later, and this caused the soonest expiring promotion to expire and I was charged deferred interest on that purchase. 

I called multiple times to inquire about correcting the application of payments so that the expiring promo was paid off and, instead of fixing the problem, the creditor has now made it worse by adjusting the prior payment to pay off all of the remaining zero-interest promotions such that my entire balance is now subject to interest. 

12 CFR Part 1026 ( Regulation Z ), subsection 1026.53 ( Allocation of payments ) requires that payments are to be applied first to any promotion expiring within 60 days, unless the customer requests otherwise. All XXXX asking was for the merchant to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the credit bureau and was told to provide my id, social, and and report, which I did regarding the listed items on my report. I was told that my report would be updated in the next couple of days. There has been nearly a month and no change yet. How is it that I can provide what was requested and I called to confirm that they received my information and nothing was done. I keep receiving generic responses asking for my information after I have already provided it. My name is listed incorrectly, I have XXXX address only and XXXX XXXX XXXX inquiry is listed on there. I gave the information to the credit bureau and was told to wait a couple of days for this to be done and it is not done they asking me to send in my information again. When I called they confirmed that they had my information.
Product: Checking or savings account

I received a called from XXXX XXXX XXXX stating that there were deposit from her account to my account of XXXX and she told me to please sent back the money and I did. Seen them well Fargo paid XXXX XXXX from my account because she was a victim of a fraud, I never got reimbursed for my money and now my account it overdrawn and closed. 

XXXX XXXX XXXX XXXX Complaint Number XXXX
Product: Debt collection

See complaint ID : XXXX Continued attempts to collect a debt not owed. All previous debt collections agencies that XXXX XXXX has sent this debt to have discontinued contact. 

XXXX continues to have these debt collectors harass me.

CFPB, Credit reporting agencies have all decided in my favor. 

I want XXXX to tell me they are no longer going to purse this bogus " debt '' or I will pursue legal action against them.
Product: Checking or savings account

When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance. 
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks. 
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over. 
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up. 
This is a terrible business practice. 
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place. 
And I want my account closed.
Product: Debt collection

This Company never made me aware that this apartment lease was being put under my Name since I never lived there but my Siblings even though I was there when they were signing and I was under the impression that I was just used as contact reference. Now there is a {$4000.00} opened status balance on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Type : Derogatory Original Creator Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit card

Although I have 5 accounts with this company... all of which are in good standing and always have been, as well as XXXX late payments ever, they closed an account that was in good standing with a high credit limit simply because my balance was XXXX. I spend money with company on a continuous basis and they chose to damage my credit without cause.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.
Product: Credit reporting or other personal consumer reports

n 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  ACCT # XXXX, XXXX XXXX : # XXXX, XXXX : ACT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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. 

ALSO I NOTICED UNAUTHORIZED Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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