23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I got a letter from Wakefield and Associates saying I owed a dept of {$530.00} to them on a medical bill. Letter contained no info on what bill from where or any specifics. Called them spoke with a man who said it was a bill from XX/XX/XXXX of XXXX owed from XXXX XXXX XXXX, asked him what to do he told me contact my insurance to see why it's come to them. Called saint jessamine east the hospital I took my daughter to in XXXX and they said I had no bills owed. I spoke with my XXXX health plan also. Nothing owed the bill for that date was paid! Called them again on XX/XX/XXXX a gentleman I spoke with said my bill for the account was now from XX/XX/XXXX of XXXX and he couldn't even find something for what I was describing. This man stayed on the phone with me while I called my XXXX care source since in XXXX care source switched to another insured company. He kept telling me once the guy on my XXXX spoke with their insured agency I would need to hang up. The man through XXXX was XXXX he said do not give them any info he was going to send it to resources. He tried solving it for me when he spoke with their insurance agency they hung up on us. These bills have been PAID. I called back today XX/XX/XXXX some lady tried to play the same stuff over with me I asked her why people paid but still owed? Asked her why they were reported to the fbi, fcc and bbb. The lady XXXX told me they probably hung up on me due to the headsets not working. This is a lie I told my XXXX they wanted a letter of eligibility to prove payment and my XXXX said they don't provide something like this for whatever reason. Point is these bills are paid I tried showing the company they are paid and they are doing nothing. Saying it will go against my credit in 19 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with Transunion during XX/XX/XXXX once discovered the negative filing on the credit report. Transunion confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. Transunion system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : REGIONAL ACC Date of inquiry XX/XX/2021
Product: Debt collection

On XX/XX/2024, Guglielmo and Associates, PLLC mailed me a letter attempting to collect a debt. My first suspicion was how they addressed the letter, it said : XXXX XXXX and XXXX XXXX XXXX ( if married ). I thought that was quite odd as marriage records are public record. Plus, a spouse is only responsible for a debt if it incurred during the marriage. Additionally, I would believe a PLLC would surely be able to do their due diligence and fact check that information prior to mailing a letter. My second suspicion is their website containing little to no information on Guglielmo and Associates, PLLC ; it's quite vague for an " attorneys at law '' website, https : //www.guglielmoandassociates.com/. There are generic details about the company on the home page, but no names or backgrounds, etc., on these " attorneys at law '' working for Guglielmo and Associates. There is a XXXX address on their site and according to XXXX XXXX, but I do not live in XXXX to verify. Guglielmo and Associates, PLLC has terrible reviews, nor are they XXXX accredited. I understand there are restrictions on who is able to obtain a PLLC, but I do not feel comfortable with Guglielmo and Associates, PLLC contacting me.
Product: Credit card or prepaid card

I'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan. 

On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}. 

I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}. 

I received the following reply XX/XX/XXXX online : Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.
Product: Checking or savings account

Im trying to connect my bank account to the program XXXX XXXX XXXX so I can receive the money I earn from them, but PNC says that an error keeps occuring.
Product: Credit card

American Express offers an apply with confidence feature which allows you to check for pre qualification and getting an offer on various cards. You are told that you will not receive a hard pull on your credit unless you choose to accept the card. I never accepted a card from them but my XXXX score shows a hard pull and loss of credit score points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it your policy to LIE to consumers in order to get them to pay you? 
There are laws to protect consumers like me I guess I will remind you of them now. 

FDCI SUB SECTION 807 STATES.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : FDCI SUB SECTION 808 STATES A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I should not have to remind of you of this since you are debt collector If you choice to ignore me again I will contact my lawyer and take action i have no problem suing you over this!
Product: Consumer Loan

When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX and PENTAGON FCU XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Product: Debt collection

I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.
Product: Prepaid card

On XXXX XX/XX/year>, I received a digital gift card from AMEX for the amount of {$300.00}. I tried to purchase items from XXXX online merchant and the card declined. A XXXX cent hold was placed on the card despite the order not going through. I then tried to make a different purchase from XXXX where the card declined again. I then called AMEX gift card customer support which stated to try and use the card again. I tried a final time to make an online purchase on XXXX where the card denied a third time.
Product: Mortgage

Due to a divorce decree and having XXXX young children, I was awarded a house as part of the agreement. The original mortgage was transferred to Wells Fargo Home Mortgage. For the house to be transferred into my name only we were told by Wells Fargo agent to submit quit claim deed, divorce decree, bank statements and XXXX. All those documents were submitted a few times. Each time I call to follow up or send email communication, I was told to resend documents that were already sent. A year had passed and no resolve. I was then told that my husband at the time needed to be present and give me full access to receive information because it was his name in the mortgage and not mine. He was away on XXXX, but was able to send a letter along with an authorization form provided by Wells Fargo to give me full access to the account. I had to keep checking the status and was referred to the XXXX XXXX XXXX of Wells Fargo. The XXXX XXXX XXXX would then transfer me to a different department without giving me a status on my application. XXXX XXXX XXXX took my case free of cost and provided me with a lawyer to Resubmit all the paper work and ensure by their underwriters I was eligible to be refinanced or transfer title. While in the process investors started calling and even show up to my house taking pictures of the property. XXXX XXXX XXXX XXXX was told I didn't qualify and I needed to sell the house because it would be put in Foreclosure. I lost pay due to the divorce as well as being out on medical leave due to emergency XXXX. I then obtain XXXX XXXX attorney to help me save my home and stop the foreclosure. Wells Fargo put the house in Foreclosure before the date agreed upon in court. I then had to quickly sell my home below the valued pricing. Wells Fargo still has not removed the Foreclosed that was placed in the home ven though it was sold before the date. I also lost my Job as a result of the XXXX years of going back and forth, taking time off and not having enough days leave to take care of all the legalities with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these inquiries where not initiated on authorized by me please remove. 
I attempted to resolve the issue but was told nothing could be done.
Product: Mortgage

I applied for a refinance on our home at XXXX XXXX XXXX, XXXX, XXXX, XXXX, on XXXX2016. My bank agent and I filled out the paper work to refinance and remove money from our equity. He said, he did n't think there was a chance unless there were some changes in our income.We went over the changes that had occurred over the last few years but, there was n't enough income, coming in with a five year expiration date. I needed to take out funds to help our daughter and her family with a stupid mistake they made, forgetting to worry more about their credit cards, then helping their children grow up with everything their hearts desire, including themselves.They were taught better but " life '' takes over. They are paying 25 % and better on their cards as they never thought this could happen when they were taught the right way to handle finances.We would set up a loan with them including interest but still they would be able to make the payments.Our bank agent sent in our app anyway to see if there was something they could do to help this go through ... .They decided, even though I have a recorder over 20 years of credit card action without a late fee, the processor decided to close my accounts by calling each bank and paying off the cards. My bank agent sat with me doing this and removing monies needed to get a XXXX balance. It took hours. Normally, we pay directly from our checking account and I do n't have to carry cash around since I am XXXX XXXX XXXX and feel unsafe. This in itself was a terrible hardship. After always using my cards, I was not able to. While they were trying to work with their boss the processor requested {$550.00}. from my checking account which he withdrew with my approval as I understood he was trying to help facilitate the timing if we could get the appraisal taken care of. The processor kept trying to talk to his boss but I got no return calls, no e-mails while they were trying to make the loan work ... No escrow was even opened. The appraisal was done and I got the report which valued our home above the value I set on the application. The appraiser said we should have no problem with the equity we have already in our mortgage.I wo n't go into the waiting, anxiety and stress for what we were trying to do was costing our children thousands of dollars in interest only. 
I wrote them a letter asking for the $ XXXX..Since this was taken from me there was no escrow open or pre-approval of any loan. They answered my letter by sending me a form they filled out and dated back in XXXX for me to sign and return immediately The form was " Intent to Proceed/Application fee notice. Since it was already XXXX they decided to transfer my complaint to their Customer Advocate and after going over all again with XXXX customer advocates they decided they needed to take their report to their superiors and it all came back No Return ... .I finally took the amount out of our retirement savings, which were stocks that we did list as assets, in order to stop the high interest our children were paying each month making no heading way with their debt and us making no headway with the bank.
Product: Credit card or prepaid card

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX REPORTING WITHOUT MY KNOWLEDGE OR CONSENT. 

XXXX XXXX XXXX XXXX  REPORTING WITHOUT MY KNOWLEDGE OR CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting or other personal consumer reports

its been over 30 days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible
Product: Checking or savings account

Dear to whom may concerned, Here are some details : when we opened this joint account with citi-bank, the person who helped us didn't mentioned about a monthly charge fee. For the past 12 months, they have been charging this account for XXXX dollars, accumulated for XXXX dollars. I called them through phone, they are only able to refund me XXXX dollars. They told me to go to a branch to take it further. then i went to the bank. the first bank i went to they told me that their manager will contact me through phone. so i went back home and i got nothing from them since then. then the next week, i went to another citi bank 30 minutes away from where i lived. they also told me to wait for call. for the following days, i went to them several times. they either told me that the manager is not available or to wait for their call. I was able to get a direct number of the manger. i called this number for more than 5 times. the assistant picked up the phone and told me that the manger is not available and will reach me back. for the last 3 weeks. I've been reached out to them, and i got no reply. nothing at all. this is the worst experience i have with a bank. I am asking for your advise on how i can do to get this fee reimbursed and i want to know what i can do to their behavior of treating their customer. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigations results.
Product: Credit card or prepaid card

I paid off my XXXX Card, Wells Fargo card service, and 1 of my XXXX XXXX XXXX personal loan account XXXX. My XXXX XXXX and 2nd XXXX XXXX XXXX  loan amount are incorrect. They Both were paid down, My XXXX XXXX car loan is {$25000.00} now and my 2nd XXXX XXXX  XXXX loan amount is {$7300.00}. which is account number XXXX. Please have all three Credit Bureaus update asap. Thanks