23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I responded to an online ad for skin cream by XXXX. I purchased a trail size skin cream and a trial size eye cream for {$5.00} and {$4.00} respectively. I paid with my Citi credit card. On XX/XX/XXXX I saw two charges for {$89.00} and {$87.00} on my card. I reported the fraud to Citi and they came back saying I had agreed to an ongoing subscription and therefore it was my fault. The two websites listed on the credit card statement clearly showed that purchases were a subscription and outlined how much would be charged, however, I never went to either of those websites. I went to one website through an ad on XXXX and purchased both at the same site. There was no mention of subscriptions on that site. I read the terms carefully. It was supposed to be the on- time purchase of a trail size product.I have an email confirmation of shipping from XXXX. 
I initially made a fraud complaint against the vendor for charging my Citi card with merchandise I didn't order. ( FTC complaint # XXXX ). I notified Citibank by phone and they said I had agreed to a subscription, which was false. The websites noted on the charges on my statement clearly show the subscription amount, but the website I ordered from had no such disclaimer. I sent all this information by mail to Citi bank with a request that they reverse the charges. In addition to not ordering the items, I never received any. I received my return receipt through the mail on XX/XX/2021 and Citi has failed to respond. They are complicit in this fraudulent activity. FTC Complaint # XXXX
Product: Debt collection

I received a phone call from XXXX XXXX at XXXX XXXX on XXXX/XXXX/2016. The number is XXXX. XXXX XXXX. is XXXX. She stated she was not a debt collector but a litigation specialist from the check fraud unit. She stated that I had been charged on XXXX counts, check fraud, malicious fraud of a financial institution and theft by deception. The Docket # was XXXX XXXX. I told her this had been filed on Bankruptcy and she said it did not apply to Federal Monies. She said that they had contacted the prosecutors office and they wanted to officially file charges today. She then stated that the paperwork had already been sent to XXXX County and if they could not locate me within 24-48 hours they would suspend my license until an arrest had been made. She said she checked with the State attorney 's office and I would be issued a bond in the amount of {$4000.00}. She said she could try to assist me in not being arrested if that was what I wanted her to do. I told her sure. She placed me on hold as if to be contacting the States Attorney 's office. She came back to the phone and said unfortunately, I hate to be the bearer of bad news, but these are your options. I could send them a Certified Form - XXXX XXXX from XXXX The blue and white form in the amount of {$260.00}. She said the state attorney 's office agreed that if this was paid before XXXX. they would not charge the court cost, filing fees and other fees. But it had to be received by XXXX It was to be sent to XXXX XXXX the security receive code is XXXX, the Acct # is XXXX in the amount of {$260.00}. I told her I would send the money and call with the reference number. Once I hung up, I contacted my attorney and they told me it was a Scam, and they in turn called XXXX and they also called the Court. Once the money was not received by them at XXXX, I received a call from XXXX which is the Justice Court Number in XXXX County. I answered but nobody said anything. I called back and they said Justice Court and hung up. I called my lawyer back again and they then called XXXX at the Justice Court and they both instructed me not to send any money it was a Scam. XXXX was to contact the Sheriff 's Dept and I am to call also.
Product: Mortgage

I started a REFI with lakeview service LLC in XXXX of XXXX. That took until XXXX and the company rep told me that I would receive a check for {$340.00}. That did not happen. Had to rework the loan. It was finally completed in XXXX of XXXX. This process with phone calls took about 45 hrs on the phone. Not good. 
In first part of XXXX I changed homeowners insurance. I gave them all of the info including policy number and add. for the New insurance and I was told that it will be taken care of because my old policy stopped on the XXXX th XXXX. In early XXXX I received a check for the old insurance company. I then called lakeview service insurance division and was told to send the check and to put a note on it FOR ESCROW ONLY in which case I did. I called them back in mid XXXX ( XXXX ) and they put the check on principle and interest. At this time we had 20 hrs on the phone with them. 
Well that was finally taken care of XXXX XX/XX/XXXX and I thought all was ok. Not so. I received another check from the Old insurance company in which case I put that check in my savings account. I recalled Lakeview insurance division and complaind and then they sent the check to the Current insurance company and the insurance was paid. Now it gets NUTS. I then called escrow at lakeview service and was told that I owed {$1800.00} for insurance.. Again not so. I explained that I needed to send them a check for the insurance and they said your insurance was paid, then I was transfered to insurance. Guess what. They said all is well and dont need to send any more money to lakeview all is taken care of. Again not so. We have been trying to send the money to lakeview for the escrow. They wont take it. I have over 45HRS of phone calls. I just sent a letter to the president of lakeview and it was received on saturday XX/XX/XXXX. Still have not herd from them. I need help to get this resolved. No one at lakeview service understands anything. I am a veteran and XXXX. I want to make this right but I cant because every one at lakeview has no idea was is going on. I now have 70hrs on the phone with lakeview service in every department. I feel at this time they need to " let go '' all of those people and start over with someone that KNOWS what is going on.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

On XX/XX/2022, at about XXXX, I was XXXX XXXX XXXX XXXX who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from Home Depot at several locations. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.
Product: Credit reporting or other personal consumer reports

Ive never done business with XXXX, Ive sent over in writing asking them to tell me how they verified the information with the credit agencies and I have heard nothing its been over XXXX  years since Ive asked them
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...
Product: Checking or savings account

XXXX Complaint ID I filed a complaint about Navy Federal blocking and not allowing me to open an account based off false allegations. CFPB requested an address, I called and spoke with CFPB three weeks ago and they updated my complaint. I am still waiting on a final answer from Navy Federal and an update from CFPB in regards to why they felt it was necessary to block me from getting an account when I have evidence that I did not continue with the first application and that I was trying to get a Navy Federal Account via my brother. My brother now has a Navy Federal Account.
Product: Credit reporting or other personal consumer reports

Hard inquiries reported in my credit that I dont have any knowledge of XXXX XXXX XXXX XXXX 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: Debt collection

I am receiving texts from Harris and Harris collection agency claiming that I have outstanding debt with the XXXX XXXXXXXX XXXX. I have never driven through nor been to Oklahoma. They also contacted my number with a different persons name
Product: Credit card

Capital one bank let someone out card my name as fraud and use my number I dont have for years and sent them card to use in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to TransUnion, XXXX and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.
Product: Checking or savings account

Bank Of America XXXX XXXX XXXX XXXX, FL XXXX RE : Account Number XXXX XXXX To Whom It May Concern : This letter is in regards to the account number listed above which you claim Suspected Fraud Activity I hereby notify you that your claim is in disputed, and I am requesting complete validation per the Fair Debt Collection Practice Act. 

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past. 

The letter also serves as your notification that I am disputing this alleged Suspected Fraud Activity with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be property validated may not be reported to any credit bureau.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Regards, XXXX XXXX ( make certain it is printed or typed ; ( do not provide a copy of your signature ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Checking or savings account

Citizens promoted an offer that is not standing behind. The offer concerns opening a new checking account and receiving a {$300.00} bonus for doing so. 

I have confirmed the rules through the branch manager, XXXX, on XXXX XXXX in XXXX XXXX several times about this online offer to open a new checking account with Citizens and receive {$300.00}. The last time I spoke with XXXX on XX/XX/XXXX, he directed me to the area that handles this promotion. The last conversation I had was on XX/XX/XXXX with the promotional representative and she confirmed that a {$300.00} deposit would be made on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with the branch on XXXX who told me my {$500.00} deposit in the first sixty days of when the account was opened needed to be made in one direct deposit of {$500.00} not two on the same day that totaled over the {$500.00} minimum required which I have done. That was not mentioned to me prior to XX/XX/XXXX when I was told the amount would be in my checking account by anyone at Citizens and I spoke to at least four different individuals at different times throughout the months since opening the account. 

I made two direct deposits on XX/XX/XXXX, XXXX for {$93.00} and the other for {$420.00}. Prior to that on XX/XX/XXXX I made a deposit of {$100.00}. I have kept all commitments per the offer.
Product: Credit card or prepaid card

My family had individual credit cards under business name with my father as the head of the account for XXXX years. It happened to be the only card I used as I was accumulating points. When my father had his first XXXX XXXX years ago we thought it best that I become the in charge of the account. We called Amex to find out the steps to make this change. This required a verbal consent on the phone, as well as signing papers that were provided to us. We did everything they told us to do. Fast forward to 2021, my father XXXX XXXX. Within a month I was doing a transaction and the credit card was declined. Without any communication to me they closed the card having been notified of my XXXX XXXX XXXX. They also took all my close to XXXX points away. When I called they were incredibly hostile and rude. They told me to write a request for my points with a detailed explanation. It was declined. They conveniently have no record of any changes to the account XXXX. We have tried numerous times and now they state it is too late. Isn't that convenient as well? I would like my points that I earned only using their card for that specific reason, to get points.
Product: Debt collection

XXXX. Complaint I am filing this complaint against Midland Credit Management for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) in their attempt to collect an alleged debt. Specifically, the company sent a collection notice via XXXX, which is not a proper method for such communication under the FDCPA, as it does not provide the required tracking and acknowledgment of receipt. This action violates the standards of legal communication for debt collection and has caused confusion and concern regarding their practices. 

XXXX. Detailed Description of the Issue Timeline of Events : On XX/XX/year>, Midland Credit Management sent me a collection notice via XXXX to my address at XXXX XXXX XXXX, XXXX, Texas XXXX. 
This notice failed to meet the legal standards required under the FDCPA, as it was not sent via certified mail with return receipt, a method that ensures proper tracking and acknowledgment of receipt. 
I wrote a formal dispute letter on XX/XX/year>, requesting debt validation and compliance with federal law. This letter will be sent via certified mail with return receipt on XX/XX/year> to ensure proper delivery and tracking. 
Failure to Validate the Debt : Midland Credit Management has not provided sufficient validation of the alleged debt as required under 15 U.S. Code 1692g. I dispute this debt and demand full compliance with the law before any collection activity resumes. 
Improper Communication Method : The use of XXXX  for delivering important legal communication circumvents proper procedure and does not ensure that I, as the consumer, can adequately track or confirm receipt of such notices. 

XXXX. Supporting Documentation I will upload the following documentation : A copy of the dispute letter I wrote on XX/XX/year>, which will be sent to Midland Credit Management on XX/XX/year> via certified mail with return receipt. 
A copy of the XXXX  delivery confirmation showing the improper method of delivery used by Midland Credit Management.
Product: Credit reporting or other personal consumer reports

I have spent hours upon hours on the phone with XXXX  and the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XXXX  was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit. XXXX never reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed by XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XXXX can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Product: Checking or savings account

The following unauthorized charges were denied by the bank. They said I waited too long to file a claim XXXX {$270.00}. To : XXXX XXXX. XX/XX/21 {$100.00} To : XXXX XXXX XXXX. XXXX. {$75.00}. To : XXXX XXXX XXXX. XX/XX/21. {$300.00}. To : XXXX XXXX XXXX. XX/XX/21. {$11.00}. To : XXXX XXXX XXXX. XX/XX/21. {$110.00}. To : XXXX XXXX XXXX. XX/XX/21. {$50.00} To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX XXXX. XX/XX/21. {$570.00}. To : XXXX XXXX. XX/XX/21. {$280.00}. To : Snap travel XXXX. XX/XX/21. {$230.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX {$3600.00} I provided all info they requested including a police report.
Product: Credit card

Account opened with American Express without my consent. XXXX XXXX XXXX. On XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several inquiries on my credit report that do not belong to me
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX  Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXX  Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}, XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : U.S. Bankruptcy Court Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this