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

Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022 for my Army/Airforce Exchange account XXXX 

I want you to know that I understand and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX sold an account to XXXX XXXX that was included in my bankruptcy discharge case # XXXX XXXX. The amount is approximately {$4100.00} and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX FIN, and XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude
Product: Debt collection

American Honda Finance This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

Gramm Leach Bliley Act 15 USC 6802- never received any disclosure forms and was never clearly given a notice of opting out of having my personal information shared.

15 USC 1681a3- failure of them honoring my request and discriminating against me for exercising my rights would be a violation under this law Additionally all bureaus show inaccuracy amongst Date Last Active Ive made multiple attempts to fix these issues with them directly They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay or they need to delete these accounts ASAP Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX OF XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Debt collection

I had a debt on my credit report from Citibank. After attempts to dispute it with them for many years, I gave up. CITIBANK then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. CITIBANK also sent it XXXX months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, XXXX  is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also XXXX years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " CITIBANK verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if CITIBANK is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that CITIBANK is not honoring it , as i no longer have any responsibility for the amount owed.
Product: Debt collection

I received a notice from Johnson Mark LLC, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding XXXX  XXXX credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX  where I only lived for 3 months. They knew I moved to XXXX   and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to XXXX XXXX as well because this is very deceptive and crooked. Johnson Mark LLC is a third party hired by XXXX XXXX who behaves in a deceiptive manner to try to collect debts.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Bank of America as their gaps in process is promoting frauds. 
i. I deposited money received from XXXX XXXX for my dining table set. The deal was through offerup. XXXX was planning for a fraud which I was not aware. She had to pay me {$700.00}, but instead paid me {$2200.00}, asking me to pay to movers as her manager made two checks instead of one. Although I resisted, she convinced me. I was making a cross country move and wanted the set to go away and agreed. 
ii. The check showed as deposited on XX/XX/XXXX in my bank account. I transferred {$1500.00} to XXXX XXXX on XX/XX/XXXX through XXXX ( Phone number - XXXX ) based on the BOA status as the money had come in my account. ( {$2200.00} - {$700.00} = {$1500.00} ) iii. The bank took away the money on XX/XX/XXXX from account mentioning the check has bounced as part of their verification. My XXXX transfer money got deducted from my account. I incurred a loss of {$1500.00}. 

My complaint against the bank is- i. They should not show money as deposited if they have not fully verified or put money to my account, as people use that data to transfer money / do any transaction further. 
ii. If they have shown the check as deposited, they should verify with account owner before taking away money from any account iii. The bank closed my complaint sometime back of the check bounce taking no responsibility of it. They are trying to work with XXXX in getting back my money ( they logged the XXXX transaction as second case ), but I do not see any progress for the last month and am a little nervous as the money is very important for me. 

Due to this process gap, many fraud people are taking advantage and innocent people who earn money the right way are cheated. 
When I talked to police about it, they mentioned that BOA is federally insured so they should give back the money. 

BOA case Number XXXX XXXX Account Holder Name : XXXX XXXX Email : XXXX, XXXX Mailing Address : XXXX, XXXX XXXX XXXX, XXXX, WA - XXXX Attachments included : 1. Check received 2. Bank transactions 3. Email snapshot from XXXX ( i have the whole mail chain that I can forward if that helps in any way )
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me XXXX and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Debt collection

This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, XXXX XXXX, XXXX actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from CashCall in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Product: Vehicle loan or lease

There was no communication to me through email, text or phone call. When I called to see where my car was located they refuse to give location until payment was made. The first representative asked me was my phone number that was on file the best number to reach me at and read off my number to me the next representative told me there was no way to communicate with me I had no phone number on file. That why they picked up my car without notification.
Product: Mortgage

New loan closed in XXXX with 3 errors posting in my account. After communication and complaint filed with cfpb, CrossCountry Mortgage corrected 2 errors and 1 remained unfixed. Upon reviewing investigation letter from CrossCountry Mortgage Servicing, I sent out a new notice of error on XX/XX/XXXX. Prepaid interest paid at the closing, in the amount of {$130.00} USD was entered into CrossCountry Mortgage system ; however, this amount was NOT included in monthly statements since XXXX. I later received 2 letters from CrossCountry Mortgage Servicing, stating a response will be provided to me by XX/XX/XXXX. Yet as of today XX/XX/XXXX, no letters were received. Enclosed here are letters of correspondence, most recent statement, general loan information, loan activity, and CD to show the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate information on my credit reports you are to correct that information at once or be sued. you are reporting my account status as derogatory when in fact the account status is sold and charged off your are reporting my payment history as in collections/charged off as per 611 FCRA dispute you are to show me proof that my payment status has a collection on it did you send my account to collections after you sold it that is inaccurate reporting so me proof that a account you don't own can be derogatory you don't own it to report it that way. you have as 90 days late 11 times you are to proof that I'm 90 days late after you closed the account XX/XX/2018 and charge off XX/XX/XXXX. 
I have sent a request to the IRS to investigate why you let my account go 90 days late 11 times before you closed and charged off the account that's is what you are reporting .In the United States , Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days. a complaint has been filed with NYS Office of the Attorney general consumer affairs XXXX and NYS dept of consumer protection and the Dept of state
Product: Debt collection

I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.
Product: Student loan

Dealing with the company National Budget Planners, the sales representative, XXXX, XXXX Ex XXXX, who repeatedly made material misrepresentations about the actual lender who would be buying out my loans if I am consolidating, telling me that XXXX is a private entity and my load would be bought out directly by the Department of Education ( lied about the actual entity who would be buying out my loan ), and also promised that by consolidating I would not loose my history of prior payments under income based repayment, which the representatives at XXXX confirmed is completely false. They were also attempting to charge monthly fees to " maintain '' my application. This is a dishonest and fraudulent company that nearly cost me over {$100000.00} in prior payments, and should be shut down and disciplined accordingly.
Product: Student loan

About a month ago I submitted a complaint to the CFPB regarding XXXX XXXX and Navient, and their response was a stock answer which looked a lot like the annual disclosures that are sent. The original loan was opened in XX/XX/XXXX, I graduated in XX/XX/XXXX. 19 years later my balance is still roughly the same. I have called Navient many times to try and get to the bottom of this as there have been easily over 10 years that I have made payments, at one point the payments were over {$120.00} a month and that was well over a years worth of payments. Navient is now the servicer on XXXX XXXX loans which means I cant get any type of payment history or balance history from when the loan was with XXXX XXXX which was with them for over 10 years and I paid them on a monthly basis for years. I need a balance from day 1 in XX/XX/XXXX when I started college, with all payments and interest included but I have never been able to receive such documentation. I am a good record keeper but this is 20 years in the making. Like my previous complaint stated no way should my balance be what it is so I put the loan in forbearance because i am not paying anymore towards it until I have an accurate balance showing all payments and interest. Why is it so difficult to pull a previous payment history? Also how do I learn more about student loan forgiveness as I do have a XXXX. Submitting this thru the CFPB is a way of having a 3rd party monitor the correspondence between myself and XXXX XXXX and Navient as I have gotten no where trying to get answers on my own. The balance is currently around {$6700.00} which is about what the original balance was 20 years ago. Its just common sense that the balance should n't be anywhere near that.
Product: Credit card or prepaid card

Chase Bank decided to close my 4 credit card accounts and mentioned it was due to a " pattern of abuse ''. When I reached out to the Executive Office on a recorded line, I mentioned that I had a lot of service cancellations and disputes ( I found out recently I have an extreme XXXX XXXX  and when merchants tell me they can not guarantee safety and fail to refund me as a result, I had the need to dispute these charges ). I was assured this is never the reason for an account closure, yet I was not provided with one. I rely on my credit cards for my day to day expenses and it deeply saddens me to see this happen.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and XXXX XXXX Credit acceptance has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX  and XXXX XXXX My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.
Product: Credit card

In XXXX of XXXX someone attempted to open several credit card accounts in my name. When I got back to town after holiday travel on XX/XX/XXXX I had multiple letters from credit card companies information me that this had occurred. I immediately contacted all of them. XXXX, XXXX, XXXX, XXXX, Bank XXXX XXXX, XXXX XXXX, XXXX, Comenity, XXXX, and XXXX XXXX all received applications and all denied the applications by doing their due diligence search, seeing that there were an unusual number for applications and sending me a letter denying the application without the submission of further information. None of these companies approved the fraudulent applications and all those accounts were closed. Citi had XXXX applications. The application for the Citi card was denied. I received a letter saying further action would be required in order to open the account. I called them and they close that account. However, the Citi AAdvantage card extended credit without the proper information. They sent me a letter on XX/XX/XXXX that says " we determined that your newly opened Citi/XXXX account requires additional verification. '' The account was flagged as suspicious. However, they extended credit prior to receiving this verification and the person charged {$560.00} on the card. On XX/XX/XXXX I called and notified them the account was fraudulent. They told me they would close the account and open an investigation. On XX/XX/XXXX I received a bill from them for {$580.00} ( the original charge plus interest ). I called and was told to speak to their fraud team. Then I was transferred to their XXXX XXXX XXXX. After being transferred to several people I was told it was still under investigation. On XX/XX/XXXX I received a new bill, now for {$620.00} ( the original amount plus interest and fees ). I spoke to customer service who transferred me to their fraud department, who then transferred me to their collections department, who then told me I needed to speak to customer services. I asked to speak to a supervisor multiple times but was continually transferred back to customer service and asked to give the same information multiple times. Each time the call was transferred the connection was worse to the point that after XXXX hours on the phone I had to hang up because I couldn't understand the person and they continually refused to resolve the issue or put me through to a supervisor. On XX/XX/XXXX I received letters stating that their investigation was closed and that I am responsible for the charges on this account because cards were mailed to an address that belongs to me ( which they weren't ). Clearly this account is fraudulent and this company extended credit without the proper due diligence that all of the other companies completed, including Citi itself.
Product: Money transfer, virtual currency, or money service

I was looking for an apartment on apartmentsguide.com. I came across an apartment that I liked. I contacted The owner of the apartment through the website. I then did a background check and paid it {$35.00} after application fee on XX/XX/year>. It came back clean. The owner sent me the lease. I signed the lease then I had to pay first months rent I sent {$500.00} through Zelle on XX/XX/year> then the other half {$550.00} through cash app XX/XX/year> so I could receive the keys to the apartment. I never got the keys and I never heard from him again I reported this to XXXX Bank. I reported it to Zelle and XXXX app. I also reported it to the FBI cyber unit when this happened. XXXX received my evidence, but Zelle and XXXX app did not do an investigation at all. They in fact took the money back and gave it to the fraudsters without even checking my evidence they didnt care. I never moved into the apartment. I never received the keys and the person blocked my number right after the XXXX app payment on XX/XX/year> I still have not received any of this money back.
Product: Checking or savings account

This is in regards to my account with Mechanics Bank : Within the calendar year of XX/XX/XXXX, I was charged a total of {$4400.00} in NSF fees, and have already incurred {$260.00} so far in XXXX  of XXXX  ( and today is only XX/XX/XXXX ... ) Last year, I think my taxable gross income was only around {$50000.00}, so I have been drowning beneath these fees, and I can't seem to climb out of this cycle. I have had to continuously resort to high-interest payroll loans in order to try to keep my head above water, which obviously only results in more money lost. Every time I try to keep a safe cushion of money in my account, I end up falling behind and incurring more fees because I never seem to be able to catch up. I am always somewhere between 2 and 10 steps behind. It all started when I had a brief lapse ( about 2 months ) in full-time work back in late XX/XX/XXXX, and again around XXXX   of XXXX. Every time I try to crawl out of this and keep my bank balance positive, I've already got past due bill collectors biting at my heels. I have tried calling Mechanics Bank to ask them to please cut me a bit of slack, but they immediately tell me 'no can do '. 
Around XX/XX/XXXX, I downloaded the app 'XXXX  ' from XXXX XXXX, and they filed a claim for me, which I believe was supposed to cover six months of activity. XXXX  received no response from Mechanics Bank, and zero fees were refunded to me. I am at my wits end. I'm trying to rebuild my credit and avoid high-interest payday loans, but I am stuck in an endless loop.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I know nothing about them, and the company initiated them without my consent.
Product: Debt collection

COMENITYCAP/XXXX  
Contact
XXXX XXXX XXXX XXXX, OH XXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX, XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : XXXX  ) Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.