23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint about XXXX XXXX and XXXX XXXX because they are knowingly charging me for two accounts and I only have one which should have been cancelled in XX/XX/XXXX.  And, they are leaving me 2-3 voicemails a day saying that my account is past due {$45.00}. XXXX refuses to waive the supposed late fee and wants me to pay an additional {$45.00} in addition to be double charged. Likewise, they will not cancel the open account until I pay that. In the meantime, they have charged me over {$200.00}. 

I have called XXXX and XXXX XXXX XXXX and they have not taken any action to resolve the issue. XXXX said I made an error by signing up online and in the gym, but their employee to pay online. So they say this is my fault not theirs. I obviously do not agree. The deposit which you can see on my account was {$1.00} and then I paid online as instructed. It is also nonsensical to have two gym memberships for one person. Therefore, they are knowingly participating in fraud. XXXX XXXX promised 3 times merge the account, correct the billing, and send a refund. And, they debited my checking account again today XX/XX/XXXX and continue to call me and ask for {$45.00}. 

I am asking for the return of funds of {$130.00} for duplicate dues and charges and for them to stop debiting my account.. Here is the accounting for the duplicate charges. 

Transaction History Institution : XXXX XXXX XXXX XXXX | Switch Account | Print Actions Description / Notes Date / Age Flags Category Merchant Amount Account / Number ACH Deposit XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX today XXXX {$24.00} STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 19 days ago XXXX ( {$24.00} ) STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 47 days ago XXXX ( {$64.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXX XXXX XXXX AZ XX/XX/XXXX 60 days ago XXXX ( {$19.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 76 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXXXXXX XXXX XXXX AZ XX/XX/XXXX 87 days ago XXXX ( {$84.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$4.00} ) STANDARD XXXX ... 
XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted Capital One multiple times between the weeks of XX/XX/18 through XX/XX/18. I am unable to make an account online to be able to pay my future bills. I keep being told that I had an old profile and that they have to delete my profile in order for me to recreate an account. I was told I would be called back. Eventually I was called back was told they were still having issues with this problem. I was then hung up on. When I called back, I was told that it would be another 10 days to fix the issue. I need to be able to pay my bill online and Capital One is not following through on me being able to create my account that I am having issues with.
Product: Debt collection

This company collection of Athens is a complete fraud on consumers violating our Civil rights act, consumer financial and federal credit protection! I DO NO OWE THIS XXXX  XXXX XXXX. Has any one attempted to dial the phone numbers presented on this complainants in the past? I suggest that you do. Because this company has pulled and found illegally medical claims from innocent people who do not owe them as the bills where settled in the insurance transaction and or doctors office! And because coll of Athens has failed to do the right thing this is a major violation Of ones rights and consumer protection! Ruining someones credit and livelihood!! Dr at the XXXX  ( XXXX  ) XXXX even this automated systems if you have my real information shows no balance : : : : XXXX ( XXXX  ) XXXX The Dr already contacted this bogus coll co and they failed to call him back, as he is the biller  and says I dont owe a XXXX! Besides that he does not work with this ERRONEOUS CO TO BEGIN WITH HOW DID THEY GET MY CONFIDENTIAL RECORDS FROM XXXX to say that I owe and I fully do not as of XXXX. Coll of Athens refuse to corporate and update anything because their full of fraudulent activities! 


Receipt Dear Member, Thank you for your recent payment request. We want to confirm that you verbally authorized XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ET to initiate a one-time Credit Card charge to your account. Details regarding the transaction are below : Also the attached EOB SHOWS CLEAR OF PAYMENTS IF YOU CAN READ AN EOB AND CALL THE DOC NUMBER I GAVE YOU RO CLARIFY THIS ERRONEOUS MIX UP YOUR CLAIMING I OWE!!!!! 
Name : XXXX  XXXX Customer Number : XXXX Confirmation Number : XXXX Scheduled Settlement Date : XXXX Total amounts paid : {$300.00} and {$260.00} ( Insurance paid in coinsurance/deductibles ) The payment will be completed on the Scheduled Settlement Date or shortly thereafter.

If you have any questions or concerns, or if you require clarification regarding this email, please call the number on your ID card. Please do not respond to this email as there is no one monitoring this email address. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  See other medical terms : XXXX  department XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items listed on my credit report. Upon review, I have identified information that appears to be unverifiable, invalid, or inaccurate. These discrepancies are concerning and have caused unnecessary distress. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to ensure that all information reported is 100 % accurate and fully verifiable. I am requesting an immediate investigation into the disputed items to confirm their validity and accuracy. 

Attached, you will find copies of letters and supporting documents for your reference. I request that you promptly remove or update the inaccurate entries in accordance with federal regulations. Please provide written confirmation of the actions taken and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your response within the time frame allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

I have two loans serviced by Specialized Loan Servicing ( SLS ) after my loans were sold to this company. I have both my taxes and insurance payments in escrow with the company. 

I received notification from my insurance company indicating that my coverage lapsed for non-payment. I also received a notification the week prior from SLS indicating that an Escrow Analysis indicates a shortfall of around {$350.00} and my new payment amount to accommodate the shortfall. This is not unusual for this company. However, it is unusual for them to NOT make the payment. I only found out about this because the insurance company notified me. SLS then contacted me and said that they have learned that my property is uninsured and if they acquire insurance in will likely be more expensive. 

I contacted the insurance company directly and paid {$520.00} to immediately reinstate my insurance and they notified SLS of my coverage. SLS then contacted me and said that unless I can prove that I was covered during the lapse period I will be responsible for a {$120.00} fee. 

Their behavior is outrageous and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.
Product: Debt collection

I submitted a request for ProCollect to verify the debt. I emailed a request, sent certified mail ( that was signed by an individual at ProCollect which proves it was received ), emailed again, and went through four dispute processes with a credit bureau. I have not received any information from ProCollect validating my debt and it has been beyond the threshold to respond back with debt validation.
Product: Credit card or prepaid card

There was an account open under my name the year of 2016 that i never authorized. The amount of this account {$3800.00}. I have disputed this item with the credit bureaur and they stated this item was paid by me threw my bank accounts. This account is not mines I have contact my bank to see if I could get additional documents from these payments that was made to my account do to the time frame witch citi bank requested from me, and my bank stated they are not able to reach back for them transactions witch citi bank is requesting. there holding me liable for this fraudulent account its not fair.
Product: Money transfer, virtual currency, or money service

I'm filing this compliance against Cash App ( Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I 've received correspondence dated XXXX XXXX 2017 from XXXX XXXX ( Walmart M/C ) that had lowered my credit line from XXXX to XXXX based upon erroneous information about my credit profile. My credit profile is in good standing and the bank needs to readjust my account correctly. Pursuant to card act I was suppose to get 45 days in advance about the reduce credit line. This bank has overcharged me with over the limit fees, my limit is lower than my existing balance, and the monthly payments are twice as high. This bank can not charge me over limit fees, if my limit is lowered than my existing balance. XXXX XXXX has  violated my rights under FDCPA and they had impaired my credit score without allowing me the benefit of doubt to refute the deficiencies. I have never missed a payment, and I have sent more money on my account for 2 1/2 years. I refuse to pay on a card that has a reduced credit line, and wants me to pay {$110.00} per month on the reduced credit line balance when I was paying XXXX per month on the card.
Product: Credit card

I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. I did not consent to anyone pulling my credit or authorizing any credit cards. I believe someone in my family took advantage of my medical situation, but I can not prove it without the proper documentation to protect myself. Also, these companies are reporting inaccurate negative information on my credit file with all three credit reporting agencies. I have a right to do process, I also have a right to arbitration on these accounts. SEE STTACHED DOCUMENTS.
Product: Debt collection

I keep getting calls from United Collection Bureau , Inc. ( UCB ) from different numbers from Ohio. I get a call from them at least 2 times a day everyday even on holidays ( XXXX, XXXX XXXX XXXX, XXXX ). I have blocked every number that they call from, all with the XXXX are code, but they keep calling from different numbers. I have a total around XXXX different phone numbers from this company. I do owe a debit for a credit card, but this is definitely harassment and needs to stop. Next time they call I will as them to stop calling and I will have my attorney contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter reference # XXXX to TransUnion at XXXX. XXXX XXXX XXXX, PA XXXX and on XX/XX/XXXX I sent another certified letter reference # XXXX asking for information and validation of three bankruptcies that they have continued to wrongfully report on my credit report. In the letter 1st letter dated XX/XX/XXXX I requested the TransUnion provide me with the name of the courthouse, the name of the clerk who verified the bankruptcies, address, telephone number, documents used to verify the information being reported, name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. 
I contacted the courts on XX/XX/XXXX to request information. Please the attached letters and repsonses. 
I then initiated an online dispute dated XX/XX/XXXX after contacting the courts regarding these reported bankruptcies An auto generated email response was sent on XX/XX/XXXX from TransUnion acknowledgement of the dispute and in addition a link for use to track any updates for the dispute was emailed to me. To this day TransUnion has not provided any online correction or feedback only a generic letter mailed to my home address stating all items had been verified as accurate. 


TransUnion is illegally reporting information that has not been verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not provided all disputed information must be deleted. 

Thank you
Product: Debt collection

I disputed the debt in writing to the company but they keep contacting me by phone to try to collect the debt without validating the debt to me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute all credit inquiries on XXXX  trans union and XXXX report
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. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX 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 or other personal consumer reports

Credit Reporting Agencies XXXX ... XXXX and XXXX claim that a bankruptcy Reporting on all my credit reports was verified through Lexis Nexis and this is impossible and I demand thos information is deleted immediately see attached document supplied to me from the court and the letter I submitted to Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.
Product: Checking or savings account

Sending money thru bill pay on line money not being received by mercahnt altho taken out of my account. Wells Fargo can not provide proof or tracing of checks sent. No resolution happening to many of my online creditors including XXXX XXXX car loan payment and now my property manager from XXXX XXXX and XXXX Money is out of my account but was not received on their end. No payment history available to prove it cleared. 
Check bill pay on XXXX XXXX XXXX {$680.00} made out to XXXX XXXX Check sent XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX  They take this out of my account the day I write it wait XXXX  days and then send it and it is not being received or cashed. XXXX shows no tracer or proof. Have spent hours on the phone no resolution. 

I had a {$1000.00} check sent thru bill pay on XXXX XXXX XXXX to XXXX XXXX XXXX. Spent hours on phone no resolution after weeks of researching they could not find it and put it back in my account. I believe there is some suspect activity and want this resolved asap. Thanks.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX I was contacted by Capital One in order to settle an account with them. It was for a credit card with a {$300.00} limit which I fell behind on my payments for after staying without work. The amount was for {$500.00} after late fees but rep assured me that if I paid {$300.00} the remaining balance would be forgiven and removed from my credit report. 

On XX/XX/year> the {$300.00} was withdrawn from my account and everything has gone downhill ever since. My score decreased and after reaching out to Capital One Bank they did some updates in their system, XXXX then removed the {$300.00} payment from they file and my score decreased by XXXX points. 
I again reached out to Capital One Bank and XXXX to fix the issue and they provided me a letter stating that I paid to settle this account but after submitting that letter my points went down by XXXX more points. 

I have also noticed that the information that the XXXX credit bureaus are sharing do not match each other and that's probably the reason why my XXXX score was impacted so much. 

Clearly paying off this debt did not serve me in the least. All it is doing is causing me stress and severe anxiety and XXXX as I was looking to move and have to put that on hold till I get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.