23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.
Product: Checking or savings account

im being charge a fee og XXXX every month even though ive used my card properly
Product: Debt collection

Decided to check Credit Report and found Genesis Credit. 


I am not familiar with this company or the reason why its on my file. 


They don't give a clear answer as why this debt is owed. 


I need more info to XXXX why this debt is under my name.
Product: Credit card

I bought a house XXXX of 2024. In order to be approved for the home loan I had to pay off a citibank credit card balance. I paid {$10000.00} in XXXX of 2024 ( full balance ) but not enough time was left prior to closing to show the loan officer that the balance was paid. As a result the title company paid {$10000.00} out of the closing costs in early XX/XX/year>. Citibank credited this check from the title company in error in the amount of {$1000.00}. I have called multiple times in attempt to correct this error and at this time they have issued a credit of {$9400.00} ( {$1000.00} short of the correct amount ) so they still owe me {$1000.00}. They have requested a copy of the cancelled check which I have sent them twice via email and once by fax. They issued a temporary credit of {$1000.00} initially but have since reversed the credit stating that I didn't reply to their request for the copy of the check. 

Every time I call the customer service # I am told that they are starting an investigation but the investigation never leads to a resolution. I have spent hours trying to get my money back to no avail.
Product: Checking or savings account

I am an XXXX citizen living in XXXX. I have XXXX XXXX and XXXX numbers which makes me an American Taxpayer living overseas. 

Wells Fargo has acted unethically by refusing to return my money to myself when I asked for it. 

For the last 2 years approximately I have been trying unsuccessfully to get my accounts closed and my money transferred back to myself in XXXX I believe the treatments I received were highly discriminatory in nature. 

1. I was NOT allowed to order and get a check book. WF issued a wrong check book when the account was opened in 2011. WF refused to issue a correct check book replacement. WF does NOT allow me to order a check book online. Requests through various bankers for a check book by phone calls and emails were ignored and not successful.

2. I was NOT allowed to write a check to myself to close my account and obtain my own money 3. WF will NOT issue a cashier 's check to me to close my account 4. I was NOT allowed to transfer my money out of Wells Fargo 5. I was NOT allowed to order and get a RSA SecurID device for online banking purposes.

6. WF will NOT transfer my money to myself to close my account.

7. I was treated differently because I live overseas and register an overseas address for my WF accounts.

8. I may be treated differently because of the balance in my account.

It is my unconfirmed suspicion that WF deliberately make things difficult a. WF failed to advise how I could access ALL my money in ONE transaction.

b. WF makes NO efforts to verify myself or my supplied XXXX bank account c. WF mailed important letters to stall for time. They ignored they have SecureEmail. In my online banking EmailUs box is no longer available through their portal.

d. WF supplied a physical address for correspondence despite current situations.

e. None of the associated problems and difficulties outlined here was explained at the time of account opening at Wells Fargo XXXX  branch. They failed to disclose their products as NO product disclosure was given.

I was assigned numerous Case IDs which include but not limited to the following Escalated Complaint XXXX XXXX XXXX XXXX XXXX XXXX Bankers I have written to and made aware of my situations include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spent many hours to talk to various bankers and write to WF. I can supply evidence in writing but may need an email address to send to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing a creditor to break the law as it continues to report a paid off item that the bureau refuses to stop reporting. Rather than taking ownership and helping the me, as a consumer, and addressing the NY state violation with the creditor, they have instead advised there is nothing more for them to do in order to permanently remove an old record from my consumer report. The creditor has total control of what continues to be reported. The creditor has no legal right to continue to report on this closed issue. Rather, Experian needs to take responsibility, as a consumer credit report bureau and inform the creditor that it can not legally report paid off accounts after 10 years. Experian is allowing the creditor dictate how long an item is allowed to stay on my credit report even if it violates the law. This is egregious and displays weak controls and the ownership of the information that Experian is allowing to remain on my credit report. I attempted to dispute this issue with Experian but it was to no avail. Experian deflected and was indifferent on the matter. The Experian dispute ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to talk to the Transunion people which are called the XXXX XXXX XXXX. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my Transunion account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And XXXX XXXX  charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money n less accounts are closed. Charge extra for them in their pockets.
Product: Money transfer, virtual currency, or money service

My company uses a service called DailyPay to allow instant transfers outside of the pay period. This most recent pay period, our check was delayed for 3 days due to an ACH issue on this service 's end. An advance of my own money ( gross pay rather than net pay without tax withholding ) was made available by this service to avoid overdraft due to the delay, but upon transferring this advance, I was told I was issued an overpayment of that exact amount that would need to be repayed before any of the rest my money could be accessed again. I spoke with customer service, who did not sufficiently explain this issue, as the dollar amount they told me was my gross pay, was not correct based on what was reported within the online service. My ticket was escalated to a supervisory figure, and I have not heard back. I received an email from this company shortly after my call with customer service stating that DailyPay would be subtracting the total of that advance from my next paycheck, although this was not the error resolution option I chose through the online service, or the one I confirmed with a customer service agent. My total earnings, which are significantly higher than the overpayment amount, are now being entirely withheld, and there is no record of having made this transfer on the mobile app, or through DailyPay 's own customer service, although it is reported in my bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :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 Company 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 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: Debt collection

I had a XXXX account in XXXXXXXX XXXX XXXX I paid my account in full and did one extra payment just in case I was in between billing cycles. I had an overpayment of {$22.00} which sat in synchrony banking system, who is a part of XXXX for approximately XXXX months and a XXXX balance with XXXX after I paid my account off in XX/XX/year>. XXXX months I paid off my account with XXXX, synchrony cut me a check for the overpayment of {$22.00}. 
Two weeks ago I received an email from Resurgent a debt collector stating that I owed {$56.00} to XXXX. I called XXXX spoke with Customer Service, went through their billing department. Talk to a supervisor and was told that my balance did not reflect the same as my installments, and there was one more installment due. I dont see how that makes sense when your balance is broken down into installments, I have all the documents necessary to prove that this was paid in full, which I sent to QVCs billing department. XXXX have redirected me to XXXX saying that an installment ( {$56.00} ) was missed and I need to pay it. I do not owe them, and I am concerned that the company Resurgent has incorrect information from XXXX. Neither XXXX or XXXX are willing to accept my documentations of the check stub from the check that was paid in full from a title company on my behalf, copies of my account with XXXX dated after XX/XX/year> with a XXXX balance and a copy of my overpayment with synchrony in the amount of the {$22.00} as proof that there records are not correct. I also have a XXXX balance with synchrony on my XXXX account. I would appreciate any help you can give on this matter. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT
Product: Checking or savings account

We issued a check for {$1100.00} on XX/XX/2022 to XXXX. The check was cashed fraudulently at a JP Morgan Bank location. We were made aware of this only when XXXX, the intended payee, contacted us to say our account was past due. Upon research, it was discovered that the check had been cashed fraudulently at JP Morgan. 
Facts : XXXX XXXX XXXX XXXX  XXXX XXXX ) Filed Initial Claim ( Without Entry Form ) with JP Morgan XXXX XXXX Received Acknowledgement from JP Morgan XXXX XXXX Requested Status Update from JP Morgan XXXX XXXX Sent 2nd Request for Status Update XXXX XXXX Requested Another Status Update from JP Morgan XXXX - JP Morgan requested additional Information XXXX JP Morgan requested Information and XXXX  promptly responded, providing all requested information XXXX XXXX  followed up again siting JP Morgans response of XX/XX/2022 stating the claim would be reviewed and worked within 45 days. Further stating, JP Morgan is approaching 1 year without responding to multiple update requests regarding the claims and XXXX  customer still not having received return benefit of the funds received at JP Morgan in error. 
XXXX XXXX  Emailed JP Morgan a follow up stating the funds had not been received by the customer for the claim filed in 2022 XXXX XXXX  sent 3rd Request with all required documents for claim XXXX JP Morgan responded , the claim is paid and they placed a stop payment on the previous cashiers check and ordered a new check, Kindly wait 2-3 weeks to receive the new check XXXX XXXX  has not received the funds and recommended we ( XXXX Customer ) to file with CFPB
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Despite the precise information consumers have provided, I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXX
Product: Credit reporting or other personal consumer reports

In Re : complaint # XXXX I am attaching Equifax 's response to my complaint. This is the same responnse I have received from them since 1977. I have a consumer account with ttem and several " free credit report '' orders due to their frequent loss of personal information to hackers. They can easily verify my information if they want to but apparently they think I'm not worthy of their cooperation. Why else would they do this. Simple corporate apartheid. They see I live in XXXX XXXX by my address and think I'm just another XXXX XXXX  XXXX. You know, the ones so marginalized they support the XXXX XXXX XXXX XXXX. A copy of their response is attached. 

I am not going to play their game and I do believe it is not even legal. Your complaint should have had all the information they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report that changes were made to my report with actions taken by XXXX modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by Equifax stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from Equifax stating dispute was completed and view now ; when I try viewing Equifax sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

XXXX made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by Equifax. Every change is reported to 3rd party credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these same accounts for XXXX years. I can look at the credit report and see the errors and incorrect information. I will upload all the exhibits here. This company stated that the accounts in question has been verified. I don't believe the accounts were ever verified because if it was they would have seen all of the errors and inaccurate information, the same way I did. This is defamation of character and willful neglect. The damages and stress this company has caused is completely unfair.
Product: Credit card or prepaid card

please refer to the following ticket XXXX This ticket was closed, however, it should not of been closed. 
I received a phone msg that I could barely make out on XX/XX/21 from XXXX XXXX ( office of the president ) indicating there was resolution to my case and a letter was sent. The msg was very muffled and I could only here a few words, however, she did indicated that I could call her direct and provided her phone and extension number for questions. I went to the websit to review the letter and while I'm appreciative of the {$400.00} credit. The issue is that i was charged {$2000.00} in interest and continue to get charged over $ 150 monthly for interest. This is an absorbent amount to sustain and I will never get out from under. I understand why this took place, however, I've had good standing credit, pay my bills timely and this bill was set up to pay in full over an 18 month period. Non the less, I've talked to 5 people ( managers ) at Synchrony and now XXXX and basically I'm in the same situation. The letter indicated that I could call XXXX XXXX at XXXX, ext XXXX. I have called daily, several times a day since XX/XX/21 and her voice mail box is full. I suspect this is another game that Synchrony plays as they want to hid behind a letter and make it look like they are helping, however, don't allow for a face to face conversation around the subject. i continually get their side of the story, however, no one listens to me, the customer who has an excellent credit rating and pays bills on time. My ask is that the high % rate monthly is stopped immediacy as this isn't helping the situation and for a live phone call to take place with resolution. This matter needs to be resolved vs hiding behind a letter. I'm very disappointed in the process thus far. Thank you.
Product: Credit reporting or other personal consumer reports

Bank of America never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.
Product: Credit card or prepaid card

on XX/XX/2020 and XX/XX/2020 and XX/XX/2020 and XX/XX/2020 I had multiple attempts by someone to open a credit card through Capital One ... .XXXX  emailed me they had ; I locked my acct and put fraud alert ... .called Capital One and they said it was closed and denied ... .I need an account because someone keeps trying to attack and steal my credit and identity and open up accounts/credit cards The credit card company said it was denied but I want written proof I will not be held liable if anything happens about my credit thx XXXX XXXX