23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Consumer Portfolio Services in the first part of XXXX and let them know that I was suffering from the XXXX XXXX  and was unable to make my payment and was seeing if there was any assistance that they could offer me. This is when I cam in contact with XXXX, the department manger with Consumer Portfolio Services. He stated that he was terribly sorry for the situation that I was in and stated that they could approve the extension for the months of XXXX and XXXX. I then started getting phone calls from them again and representatives stating they were calling to collect on both months. I spoke with XXXX again on XX/XX/XXXX, when he advised me that the extension for the month XXXX had yet to be processed and that the extension for the month of XXXX was not approved after all. The month of XXXX extension having yet to be processed, caused me to receive a credit marker as well as earn a late fee with the company and on my credit report when arrangements were already made with the company and thought to have been resolved to prevent the credit marker. Then, to be released from the hospital only to find out the company had not processed anything for me and now I have the late fee and credit marker removed. Not to mention I had to take the last of my rent and medication money to pay the XXXX payment that he advised was approved for extension as well. I was then forced to submit a request for a " pre-approved '' extension on XX/XX/XXXX after expressing concern over the date on the document and that it made it look like I was requesting the extension late when I had originally requested them at the first of the month. All I was trying to do is get better and survive and took for granted that XXXX would do the things promised. Just to discover that they had not done anything promised, but instead, allowed interest, late fees and credit markers to accumulate during a time of DIRECT SUFFERING of national catastrophe.
Product: Credit reporting or other personal consumer reports

Last warning. XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - XXXX in case of XXXX  accuracy. 

Acima states that it is making a new update request to correct inaccurate information previously requested by me on XX/XX/XXXX. I have official, visual evidence showing that I have made previous XXXX  on XX/XX/XXXX, requesting that the XXXX information be XXXX and updated, ( I provide evidence ), to which Acima updated and responded that the XXXX information was accurate and correct, Acima stated that this account did not contain any errors or inaccurate information. which is totally false and XXXX 
I also filed another XXXX with proof included on XX/XX/XXXX, which again updated unverified and erroneous information, once again violating consumer rights laws FCRA. 

Company : Acima Digital XXXX Account number : XXXX Under XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this XXXX, I have questioned Acima several times about the accuracy of these accounts and Acima has XXXX saying that they have corrected them and that there is no inaccuracy in their reports to XXXX, XXXX XXXX XXXX XXXX ( XXXX ) states that after reinvestigating a disputed account by the consumer ( XXXX ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be deleted immediately. 

This is also in violation of XXXX XXXX Code XXXX - Congressional Findings and Statement of Purpose XXXX XXXX Code XXXX - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I will not tolerate any further failure or non-compliance by Acima with the Fair Credit Act and this is my last warning to Acima to DELETE the account with XXXX. I am willing to file a lawsuit for non-compliance by Acima with the laws mentioned in this XXXX 

I demand that my written evidence in this XXXX  be reviewed and that Acima delete the account at XXXX and enforce XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank charged almost {$400.00} in overdraft fees in a period of 3-4 days, then kept a {$420.00} child support payment from the state of Texas office of the attorney general. Bank of America agreed in a class action settlement not to charge any overdraft fees, and this is exorbitant and unfair.
Product: Credit reporting or other personal consumer reports

Mohela is still showing that I have loans with them, and I do not.

My loans were transferred to another servicer, aidvantage, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on aidvantage and the department of Ed sites.

I have no loans with Mohela. In fact, I cant even login into Mohela because I literally dont have an account with them.

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance. 

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation.

Mohela and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, Mohela and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Product: Debt collection

I do not have any knowledge of this company this is my XXXX attempt!!! They have not provided the information that I requested previously!!!!! I want compensation from this company for fcra violation these accounts are being reported fraudulently!! The account is being reported XXXX times which is damaging my score I am near homeless!!!! Final attempt
Product: Checking or savings account

I am a XXXX XXXXXXXX that offers XXXX to my clinets. Mosaic is one of our lenders that offer financing. Somehow one of our clients convinced Mosaic to cancel the loan after having it for a year and in return, Mosaic took the loan amount minus the dealer fee out of my account which totaled {$63000.00}. I informed them multiple times prior to taking the money out of my account that if they can not provide me with a reason for taking the money out of my account than I do not authorize them to do so, but they still did. 



Pending CLAIM REVERSAL : ORIG CO NAME : SOLAR MOSAIC INC ORIG ID : XXXX XXXX DATE : CO ENTRY DESCR : XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CLAIMID : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened the account. My paychecks went in. I did a transfer out to another account. American Express locked the account. I only found out after I tried to repeat the transfer. The web app does not have a notification system. They never emailed me or called me. I spoke to XXXX in the Fraud team. He explained my other bank reversed the transfer. He said the only way they would release the block is if I faxed in an Affidavit of Identity. I contacted XXXX and they signed the letter. XXXX said he did not see the fax. 

The next day, I called my other bank. They said they never even saw the transaction. I called American Express again that same day and they admitted they blocked the transfer and not my other bank.

They confirmed receipt of my fax but said they would not unblock the account because notary 's seal was too small to read. I asked them for an email address to send the form. They refused to provide one. They explained that a person collects the faxes and then scans them into their system. That is why the quality is so poor and why it took so long for them to confirm receipt of my fax.

I requested for their position to be put in writing and they refuse. I requested my account be closed. They refused. I emphasised repetatedly that the funds are my paychecks. They don't c
are.
Product: Debt collection

I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.
Product: Checking or savings account

Hello thank you, I had a Wells Fargo Checking account I thought was closed. 
They sent me a note out of the blue that said they " charged off XXXX $ ( XXXX dollars and XXXX XXXX  ) That amount was their late fees for the unpaid charges to the account for having it open. 
Again I was not aware it was open. 

I did not receive correspondence previous to this charge off, one of the agents said there were no records of letters sent to inform me or to give me a chance to pay this amount. 

meanwhile, I have Wells Fargo online banking and a credit card open with tons of available funds to cover such a small amount and would have thought they would communicate via my secure message or try to call me or something? 

I did eventually get the charge-off letter and the announcement that this would be sent to the XXXX XXXX XXXX as a charge-off. This will make my banking life and applications for credit an issue moving forward. 

The discussions I had were as predicted, to be shifted between departments and eventually sent a letter saying they feel good about the reporting to the XXXX XXXX XXXX. 

I would like to pay the amount and have the notification of my charge off removed from XXXX XXXX Services. 

I also received several calls to clarify this matter from other representatives over the last month or so. I frequently referenced my change of address and shared that information with the representatives. It feels aggressive that the person writing this proclamation ( see attached ) went ahead and sent it to my old address with no phone call. 

Additionally, I did receive a note in my online banking secure message about the charge off ( after the fact ) curious why that messaging option was not used to contact me? I feel the most recent representative is unwilling to acknowledge the limitations of their efforts to resolve the issue and maybe just a mistake? Choosing to simply charge off uncaring of the impact on my credit for XXXX dollars is not great business. I have been working with Wells Fargo since I was XXXX, now XXXX such a shame! 

Please advise.
Product: Credit card

I checked my credit report and saw a fraudulent credit card that has been opened in my name from capital one that is not mine. It was opened on XX/XX/year> with a balance of {$500.00} and past due amounts. It had a phone number and address attached to it that is also not mine. I froze my credit with the 3 credit card bureaus and disputed the credit card with each of them. They told me to file fraud report through this website. I also called credit one credit card company and reported it and they have opened fraud investigation on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my Experian credit report for saying I had made late payments to my mortgage company, XXXX XXXX. They were incorrectly saying I had by been late on my mortgage by more than 120 days for four months. 
This information was incorrect. 
I started the dispute process on XX/XX/XXXX. 
After a separate complaint to the CFPB about XXXX 's handling of this situation, XXXX sent a letter on XX/XX/XXXX saying it communicated to all three credit bureaus that my report should show paid-as-agreed and not late. 
The other two credit reporting bureaus show this information accurately and confirmed by phone that there are no negative marks on my credit from XXXX. 
Experian still shows it as negative. 
I submitted the letter from XXXX earlier that week to show this was not the case. 
I called Experian and they said XXXX told them on XX/XX/XXXX that it should be marked as negative. 
Experian said it will take 30 days or more for them to investigate an issue that's already been investigated and found in my favor. 
This is unacceptable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes. Particularly in light of the recent CFPB lawsuit highlights sifincantly issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible.
Product: Credit card

I disputed a charge XXXX, XXXX from XXXX XXXX  as I do NOT have a receipt for the purchase. XXXX XXXX XXXX sent me a letter stating the purchase was valid and the charge will be put back on the card with penalty and interest but NO other documentation such as what exactly I purchased and for how much. I called Monday XX/XX/XXXX XXXX pm requesting a phone call from the XXXX  charge case XXXX regarding the fact that I did not receive any valid documentation regarding the purchase. I was told he/she has XXXX hours to call. NO XXXX ever called. I provided a negative feedback to XXXX on XX/XX/XXXX and stating that my right as a consumer has been violated.
Product: Credit card

Macy 's Consumer Credit card continues to charge me {$2.00} a month for XXXX balance on my card. I have tried numerous times to have this solved. On XXXX XXXX with {$4.00} charged to my account I called ( XXXX balance ). They claim is interest of the unpaid balance which was paid in Full in XXXX 2016. They told me if I paid the {$4.00} there will be no further charges. Received my bill again today, and {$2.00} charge again on my statement. This is a rip off. They refuse to refund me. How can they get away with this??? WORST CARD EVER!!
Product: Debt collection

There is a balance of {$1300.00} for a medical bill that I do not have. It has negatively affected my credit score. Since I work at a large pharmaceutical company I am extremely familiar on how billing works. I have never received a bill nor did I visit a hospital at the date listed on the collections account. This medical account was never shown on my insurance, and I have never been to the hospital in question.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please delete XXXX XXXX. No knowledge
Product: Checking or savings account

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish Christmas shopping. Thanks
Product: Debt collection

The company called me today, XX/XX/2022 stating that they have filed a judgement for a debt that was unknown to me at the time of the call. They told me that I would receive a certified letter in the mail. When I called them back to get more information the person I spoke to mentioned a debt that I settled over 15 years ago. He told me that they sent me a letter last week, which I did not receive. To prove his point, he repeated my social security number over and over to me. I asked him to stop and to give me a contact email, fax number, or address to send my settlement letter to. He again repeated my social security number and then hung up without giving me further information. 

This company then proceeded to call my immediate family requesting to confirm my mailing address for the certified letter they will send me.
Product: Debt collection

HRRG is a debt collection company who has been harassing me by mail and phone calls to pay a debt they claim I have with them by way of an XXXX  who worked at the XXXX XXXX XXXX where I had my XXXX removed in XXXX 2022. 
After my visit at XXXX XXXX I quickly received a medical for the total procedure of my visit that included XXXX XXXX  in the amount of {$7600.00}. 
The total bill was {$74000.00} from which I was required to pay {$2500.00} after adjustment. 
I paid this total bill by credit card on XX/XX/2022 and received confirmation by email. 
I then called the hospital a couple of weeks after and was told I didn't owe anything anymore and that my bill was " Paid in full ''. This conversation was recorded and I receive a letter shortly after to confirm. 
HRRG claims that I owe more than {$5000.00} for XXXX XXXX performed at XXXX XXXX for my XX/XX/2022 visit when this bill has already been paid in full. 
I request that HRRG stops contacting me once and for all as I am emotionally affected by their harassment and do not understand how they have access to my medical records. This is a violation of my hipaa rights.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, XXXX & XXXX. I previously sent a dispute letter requesting the removal for these account charge-offs based on the 1099-C forms I received, which indicates that the debts was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within t

he 30-day period allowed by law. Thank you for your attention to thi
s matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Newrez doing business as shell point mortgage servicing reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX//22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that either.
Product: Debt collection

Looking over my credit report I saw some items that I am not a consumer of, nor have I ever been. 
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the XXXX period *Prove that youre a licensed debt collector *Show me your license numbers and registered agent.
Product: Credit card

While visiting the Wells Fargo Bank, a banker offered me a credit card, according to what he read from the bank site, I was eligible for a card with an APR of 8 %, with 0 % rate for 15 months, I agreed on the condition that my rate would be 8 %. When I received the card, it had a rate of 21.4 % after the promotional period. I contacted customer service by phone, when I told the representative about it, she urged me to go into Wells and see the banker, have him call in and it would be honored ; however, I went in, the banker called in, but Wells was not willing to honor the rate. I feel that it was discrimination, as XXXX are often given higher rates, despite their credit scores.
Product: Credit reporting or other personal consumer reports

i got account that are inaccurate and need to be removed from my report asap
Product: Money transfer, virtual currency, or money service

I attempted to transfer {$10000.00} out of my Bank of America checking account to my new XXXX XXXX XXXX joint account on XX/XX/2023. The money was immediately removed from my BoA account but never arrived in my XXXX account. I have called both banks dozens of times. BoA sent me a letter on XX/XX/2023 claiming the money went through successfully and they can not recover it but as a " courtesy '' they are still trying to resolve the issue with XXXX which can take an additional 45 business days. XXXX claims they have no record of this transfer and can not see it as an upcoming or pending transfer to either of our accounts. 

Neither bank will accept responsibility and I have yet to see these funds back in my account. I can not believe that Bank of America has no way to trace the funds as they try to claim and that this issue has still not been resolved over a month later.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX