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

I settled an account with XXXX XXXX. Paid {$3800.00} as a settlement to zero out my account based on my agreement with XXXX XXXX. Originally I owed the {$6400.00}. 
After I paid the settlement and XXXX XXXX reported the changes to credit bureaus I went to check Experian to see if the changes were maid. 
Under 'Status ' Experian still shows : StatusPaid in settlement. {$6400.00} written off. 
Written off amount is WRONG! I paid {$3800.00}. Written off amount must be {$2500.00}. 
I filed a dispute on their website and they closed it without adjusting written off amount. 

{$6400.00} was last final balance before the settlement {$3800.00} paid in full as a lump sum then the account balance was XXXX ' after I fulfilled the agreement That leaves XXXXwritten off ' balance of XXXX not {$6400.00}! 

I look at it as fraud on credit bureau site - since showing higher 'written off " balance tanks credit score!! Then they bombard you with non-stop emails asking to apply for new cards or whatever else available to raise your score. Reporting the proper writeen off balance will increase the score on it's own!! 
On XXXX XXXX- if they don't report settlement amount to credit bureaus and credit bureaus show last highest unpaid balance that's what XXXX writes off as bad debt on their end, otherwise, they MUST reflect settlement payment and change written off balance! That's a tax fraud!!
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The account is an Estate account. The checking portion s with Bank of America, and the Estate Mutual Funds are with Merrill Lynch, the investment arm of BOA. I was advised that the two work together. 

Most transactions are done online, in a self-directed account, and when there is a problem, phone numbers are listed for both Merrill Lynch and BOA. Every single phone number results in a transfer back to a BOA representative, including when that representative transfers the call directly. BOA can not handle anything from ML, and it is only extremely rarely I am able to reach a ML rep. 

The delays have made the management of the Estate difficult and untimely. Most often, I have to visit a BOA branch directly to receive any service. 

Essentially, Merrill Lynch is not providing assistance to its customers. This appears intentional, as they do not have the means for customer contact. I have never had the problems establishing contact with a financial institution that I have with ML/BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted Capital One XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a XXXX then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and Capital One has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and Capital One should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.
Product: Checking or savings account

I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.
Product: Checking or savings account

My checking account was opened in XX/XX/XXXX and I signed up sign card and agreement. I was given booklet and said XXXX to claim after delivered mo statement. I always got a paper statement and I do not do online at all except emails, I noticed suddenly monthly statements stopped in XXXX yrs ago or more. Every often I complained at the branch but nobody helped me. They told me to call customer service but I don't speak XXXX well and can't hear well. I request several times in XXXX and XXXX for not receiving monthly statments. They told me my account is both online and paper. It's very inconvenient and I have to close account without statements, Bank doesn't have any answer why I don't receive. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my CFPB report XXXX. The Credit Bureau Experian, received a complaint from XXXX XXXX XXXX Rewards Card that I was over 30 days late on the last payment on this account for {$23.00}. All payments to this credit card company had been on auto-pay. My credit score was rated as good until this late payment was received from XXXX XXXX. I disputed this allegation to Experian, but my credit score still plummeted. In my dispute, I explained that this was in retaliation against me for filing a complaint to the cfpb. I further explained that I could not be late on payments because this account was on auto-pay. 
I had written Experian a letter and included three statements from the credit card company showing the statement " Auto-pay ''. 
Experian denied my dispute. 
This was during a time I was attempting to get a Home Owners Line Of Credit on my home and I was denied.
Product: Debt collection

I entered into a consumer credit transaction with Regional Acceptance Corporation. I received a response from my CFPB complaint from that this account has been placed in cease and desist and it had my auto contract and monthly payments attached. After investigating my auto contract, I noticed there is a finance charge. Pursuant to 15 USC 1605, a finance charge shall be determined as the sum of all charges. Also, pursuant to 15 USC 1605 ( b ), my auto insurance should be included in the finance charge, I was also never informed of my right to rescission as well pursuant to 15 USC 1635. According to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ), I am owed double the finance charge. According 15 USC 1611 ( 3 ), I am owed {$5000.00}. According to 15 USC 1635, I am also owed any earnest money or down payment I used during this consumer credit transaction.
Product: Money transfer, virtual currency, or money service

I located a puppy on an internet site :   XXXX   XXXX   XXXX   and arranged to purchase the puppy named "  XXXX  ''. I was directed to use the Paypal service to pay for him, and did so. I then traveled from  XXXX , Alabama to  XXXX  to pick up the puppy. When I called and said I was at the designated location, I was told they would be there with the pup in  five  minutes. An hour later no one had shown up and repeated calls went unanswered. The will not answer calls from my number, but do answer calls from other numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX XXXX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW XXXX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING ANYTING FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX XXXX up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your creepy ambulance chasing company. You broke the law and justice will be served. Wait for it
Product: Credit card

I paid my account in full, after I did that I logged in and found I had a credit balance. I emailed them to request a refund. They acknowleged that I was owed a refund. At some point after that, they charged me interest on the balance I had paid off and added a late fee. I've emailed them regarding the error and they replied that the balance was less than what my bill was, but that I still owed it.
Product: Checking or savings account

I am a XXXX member, veteran. I don't have a XXXX atm or branch near me. I used. XXXX XXXX ATM to make a deposit to my account. While deposting the {$1000.00} even to my account the ATM froze up, after it had taken my money and asked if I would liek to proceed. I then contacted XXXX XXXX who told me to take it up with my bank. I did, they can't do anything because the XXXX XXXX atm froze and my bank doesn't see the transaction on their end. XXXX XXXX refuses to help me as I am not a XXXX XXXX customer. I am unwilling to acceptnthey can't see the till over by XXXX and they can not see my transaction at the ATM. Please help me get my {$1000.00} back. There has to be video and accent recordings on the ATM.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Mortgage

This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.
Product: Debt collection

My daughter, who turned XXXX on XX/XX/XXXX, had a medical issue in XX/XX/XXXX and used a wheelchair service belonging to  XXXX XXXX XXXX ( XXXX  ), an ambulance company. Several months later, I her father, received a bill for about {$450.00} for that wheelchair use. I contacted their customer service and notified them that I was not responsible for the debt and why. They took my information and said they would investigate. About a month later I received another bill from them, and I contacted them again and explained the situation to a different customer service rep. I DEMANDED that they send me proof of the debt, knowing they would have nothing since I was not even there the night my daughter entered the hospital to sign any sort of paperwork whatsoever. They assured me the issue would be sent to their advanced investigation team.

About two months later I began to receive calls from a " Credence Resource Management , LLC '' a debt collection agency on behalf of XXXX. I explained to them on my one and only phone call the situation and that if they wanted to get wrapped up in the suit I now intended to file against XXXX, to keep attempting to collect this debt. They requested that I send an email to them explaining the situation- which I did - and their response was that they would cease attempting to contact me regarding the debt. I know the FCRA requires them to stop calling if requested, but it doesn't necessarily mean they will stop attempting to collect on the debt or foolishly begin to damage my credit. If they do, I will be reporting on them as well and initiating a suit against them for damages.
Product: Money transfer, virtual currency, or money service

I am writing to report an incident of fraud that occurred as a result of using the Zelle money transfer service. I was the victim of a fraudulent transaction that took place in XXXX, when I transferred to an individual or entity that I later discovered was not legitimate. 

The details of the fraudulent transaction are as follows : Amount transferred : {$5000.00} Date of transfer : XX/XX/year> I have made efforts to contact Zelle support and my financial institution to report this fraud, but I have not received sufficient assistance in recovering the funds or preventing future fraudulent activity. I am seeking your help in investigating this incident and ensuring that such fraudulent activity can be addressed and prevented for others. 

I trust the CFPB will take appropriate action to investigate this matter and help me recover the funds lost in this fraudulent transaction. I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C , 1681section 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 an 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 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

someone used my information'identity theft
Product: Debt collection

Hello, I spoke to XXXX at ConServe ( XXXX ) about a debt from the Department of Defense, which was transferred to the Department of Treasury, then sent to ConServe. 

She told me that multiple letters were sent informing me of this debt, I asked which address she had on file and she stated an old address which I have not lived at in almost 5 years. 

She informed me that because it has reached them, there is an extra {$2000.00} charge added onto the debt. I told her that I didn't believe that was right, because I had never received any letters of the debt owed because I no longer lived at that address. She told me that there was nothing they could do. I told them I would be looking at legal avenues to remediation of this issue.
Product: Checking or savings account

I have not received my direct deposit as of this morning, XX/XX/year> Capital one states they are having some technical issues.
Product: Vehicle loan or lease

On the XXXX of XXXX I submitted paper to purchase a XXXX XXXX from Carvana. After receiving a better option on the same day. For a different vehicle, I submitted cancelling request to the Carvana.

Only to find out that Carvana processed my downpayment thur my saving account on Monday XXXX XXXX for {$2100.00} Now the company says they have not received my monies. My bank has confirmed that the money was went ACH to the Carvana Limited LLC. I see the XXXX  has given the company an F rating. Therefore, I am requesting your help to recovery my monies from this unethical company. 

Contact information for my XXXX XXXX XXXXXXXX XXXX XXXX for Caravana Limit LLC Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Visit Website Email this Business ( XXXX ) XXXX I have open a dispute with my bank as well. However, the process can take a very long time and I need help to recovery these right away. Please I need help to collect my money back from this car company. 

The company has agreed to send me a refund. However, they claim that they don't have my monies. But my bank records clearly shows that took the money from my saving account * ( legally ). 


XXXX XXXX XXXX.
Product: Checking or savings account

I was told XX/XX/2024 that the bonus offer had expired and i would not be receiving the XXXX XXXX  that i earned.I opened a Total Checking Account with Chase Bank on XXXX attempted to open the account online but the app wouldnt let me so i went into a nearby Chase Bank and XXXX the account.On XX/XX/2024 i had questions about the terms of the bonus offer so i called the young lady at Chase that opened the checking account for me.I asked her if she needed anything further from me as i was and am counting on the XXXXXXXX XXXX bonus.Her response was no and she added that 15 days after Chase receives my first direct deposit totalling over XXXXXXXX XXXX i would receive the bonus in my checking account.The deposit was made on XX/XX/2024 and within 15 days i should have received the XXXXXXXX XXXX bonus in my account.Ive followed the terms of the offer and there is no bonus.The more i research this situation online, im finding out Chase has a way of conducting buisness that is anything but ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to remark that Trustmark XXXX is reporting XXXX XXXX Bankruptcy for me. I have never filed bankruptcy. Trustmark XXXX has stated to me that XXXX  must be coding their report of account being affected by Covid as bankruptcy. Trustmark has emailed XXXX  - Yet, XXXX  most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from Trustmark XXXX.
Product: Money transfer, virtual currency, or money service

Received telephone call from XXXX XXXX acting as a XXXX  XXXX XXXX XXXX in XX/XX/2018. During the call i was given bank details ( XXXX, XXXX, bank address details in XXXX ). 

Following the call I went to my local XXXX branch and made the following payments to them : XXXX XXXX XXXX XXXX XXXX XXXX The following reference is showing on my bank statement XXXX XXXX XXXX XXXX. 

I have tried contacting XXXX XXXX limited without any XXXX. I'm trying to withdraw the money.
Product: Debt collection

I signed up for credit building but then I asked them to cancel it over 3 months ago