23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Monterey Collection is trying to collect on a debt that is not owed XXXX  XXXX started to do work on home never came back and company was out of business on contract it is clearly stated that the work was not completed XXXX XXXX was contacted by the XXXX XXXX XXXX of Florida and has never responded Monterey is trying to collect on work that is unfinished and the consumer has been harassed for the debt that is not owed. Monterey refuses to delete a fraudulent account and continues to update the credit report of the consumer after repeated emails and calls as well as faxes and certified mail by the consumer Monterey Financial Services is engaging in fraudulent collection activity against the consumer and is fully aware that this is a fraudulent account and deceptive to the consumer for work that was never completed and the company is out of business giving bogus numbers to call and no one is ever answering calls to fix or complete the work the consumer has been deceived financially for an account that has been placed in collections for the company according to the better business bureau and the united states postal service to be certified as closed Monterey continues to pursue a fraudulent collection activity and is fully aware of FRAUD no consumer will pay for work that has never been finished to a company that is closed and does not maintain their product this is FRAUD. Company as of today 's date has never came back to complete the work as stated on the contract product is not as of today 's date fully functional as advertised. Company refuses to uphold their promises to the consumer therefore FRAUD is evident. XXXX XXXX was deceptive to the consumer is closed and went out of business and is wanting to collect on uncompleted work unfinished and is no where to be found. XXXX   as of today 's date has never came back to finished the work Monterey continues to pursue collection on a FRAUD account to the consumer and is fully aware that FRAUD has been committed to the consumer due to deceptive increase in amount consumer has never agreed to the amount nor has the work ever been completed as shown on the paperwork the consumer continue to advise is EVIDENT FRAUD both parties are engaging in FRAUD to the consumer XXXX XXXX and Monterey Financial Services.
Product: Mortgage

on XX/XX/XXXX my mortgage was sold to Loancare, it has been a mess ever since. My home owners insurance was not getting paid out of my escrow I began getting notices from my insurance company starting XX/XX/XXXX, being nave I thought it would clear up and with all of the changes it would get paid within the allotted time, I got a second notice the following month so I took action and continued to call Loancare to force their hand in paying. After being lied to about the payment being overnighted I had to call over and over finally the payment was overnighted and received by my insurance on XX/XX/XXXX. They have over drawn on my escrow account because instead of paying my insurance when it was supposed to be paid, they paid my taxes in XX/XX/XXXX that were n't due until XX/XX/XXXX. 
I am currently battling with them to process my house payment that was due XX/XX/XXXX and I paid it through my bill pay on XX/XX/XXXX which was an electronic payment and slotted to get to the mortgage company by XX/XX/XXXX, my late fees will begin on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and they told me they never got it, so I called my bank and they confirmed that the money was transferred to the correct place. My bank has sent over all of the information to Loancare and now I am waiting for this to get straightened out. Late fees are not an option when I paid on time and I can prove it with bank statements. 
Loancare is almost impossible to get through to, and when you finally get through they tend to hang up on you or blatantly lie to you.
Product: Credit reporting or other personal consumer reports

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : 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 XXXXXX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, XXXX Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved
Product: Bank account or service

My checking account was set up to decline any transactions to include checks, EFTs and debit card purchases when there where insufficient funds. When I went to check my account the other day I noticed that yet again, commerce had allowed these transactions to go thru again even though I had visited the branch the last time this occurred to ensure that this would not happen again. Now there is approximately {$150.00} of overdraft charges on my account the should not have occurred due to the fact that I was assured that it was set up properly to decline any transactions when funds where not available.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was informed that multiple banks had accounts under my name located in XXXX XXXX XXXX XXXX XXXX ID was associated with massive fraud. XXXX XXXX XXXX XXXX has violated FCRA 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. 
Unknown email address associated with account. I had no access to the accounts but my name was associated with it along with state Identification. 
I informed XXXX XXXX XXXX XXXX of someone having my information. They stated that the account was closed and it was not reporting against me. The account status is closed with negative balance and reported under my XXXX and XXXX XXXX Account does not have my social security number.
Product: Credit card

i started having fraud charges on my Chase Credit card on XX/XX/24 I immediately called and the changed account number. The next morning XX/XX/24 there are new charges again ran with old account number, they inform me if i had a substriction in the past their system will still let it go thru under the old account number even though it is closed... which is ridiculous... what is the point of closing that account number then. 
there are more charges on XX/XX/24 and XX/XX/24 all linked to old account number. 
I have called XXXX  times with verification every time it wont happen again and yet it still does. 

If i close an account number it should not work period!! Not even if i had a subscription in the past why would the old number still work
Product: Checking or savings account

I currently work with XXXX XXXX XXXX XXXX. On the XXXX of XXXX i finished my XXXX XXXX XXXX XXXXXXXX. Went to a gas station and bought gas. My balance from that was : XXXX XXXX XXXX At this point my account did not reflect the difference of XXXX I continued to work and ended with an additional + XXXX I also added XXXX from my attached savings account. 
So at the end of this session i should have had XXXX + what was already in my account. 

I sent XXXX which brings my new balance to XXXX But at this time i had a balance of XXXX Which was in there already. 
The XXXX was processed the next day But still that doesnt reflect the difference in the initial deposit minus the gas purchase, with the additional dashes theres still a difference. 

I spoke with XXXX  that night they said they see missing funds on their end call back tomorrow. 
No this is this XXXX i called back she says there still processing it try back tomorrow. 
Now the XXXX i call back and speak with a gentleman that went thru the transactions from that XXXX till now and it was his determination that XXXX was missing. 

He transfered me to payfare which is XXXX payment processor. 
The 1st woman i spoke with tried to only address todays activity on my statements. Soon she put me on a hold and the phone magically disconnected. 
Ok just my luck i attempted to call back got in touch with a new gentleman that slightly went thru the statements and told me that i was XXXX fault call them back and get your money. 
I aske to speak with a senior customer service representative and he proceeded to overtalk me and hung up the phone... 

This complaint arrouse from payfares and or XXXX negligence to actively locate my funds. Someone is playing games but im XXXX this type of activity is illegal.
Product: Money transfer, virtual currency, or money service

I made a money transfer to XXXX, at the XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX NY XXXX- I sent the money through the company https : XXXX/www.smallworldfs.com/en. - CHOICE MONEY TRANSFER and other fees appear on my invoice, They are applying EXTRAS FEE in this store, abusing consumers. 

I read in the newspapers the fine applied on XX/XX/2022 for the same practice, but https : //www.smallworldfs.com/en CHOICE MONEY TRANSFERS. They have totally ignored the law. 

As a consumer I feel robbed in this store.! 

please help.!
Product: Credit reporting or other personal consumer reports

These accounts was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as i still see a balance after it was charged off. I urge reinvestigation and provide all the missing information. Also why is there a past due balance if the report show as charged off? This is a violation of 15 USC 1681i7
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

Debt was for repairs done to a home after a water leak. The company who did the work ( XXXX ) and XXXX were disputing the final amount for the repair. The final amount of the invoice was decided on XXXX. An invoice was sent several weeks later and the balance was sent on XXXX, email communication with XXXX XXXX, president and owner of XXXX confirmed the balance was paid on their end as of XXXX. 

Kinum, a debt collection agency, then contact me via letter dated XXXX and received XXXX. I called Kinum and spoke to a woman who did not give her name who said they were first contacted by XXXX  XXXX and asked to collect a debt in the amount of {$2100.00}, I explained that the amount of the repairs was not decided on until XXXX and it was impossible for them to have been given that number in XXXX. I then asked if they had done a debt verification and if so on what date it was done, she then refused to answer and directed me to contact XXXX, which I had already done. 

I believe a reasonable person would interpret the statements made by the Kinum representative as false and inaccurate and in violation of the Fair Debt Collection Practices Act. I would like to stress that I believe XXXX did not intend for the paid debt to go to collections and they will correct that issue, however this complain is pointed solely at Kinum who has not complied with federal regulation regarding their attempt to collect a debt that does not exist.
Product: Checking or savings account

Bank of America ATM machine in XXXX, MA kept {$2500.00} of my {$2800.00} cash deposit on XX/XX/2021. The machine printed a notice with a phone number to call because there was a problem with the deposit. I immediately called the number and placed a claim. BOA issued me a credit for {$2500.00} and I was ok with that. Today, XX/XX/2021, I received a notice from BOA stating that there was no extra money on the ATM machine that day and therefore they are reversing the credit. I called BOA and was told they would review the ATM video and that I should call them back in two days. Other customers were having issues that day with both of the ATM at the XXXX BOA XXXX XXXX Branch. I myself had to switch back and forth from each machines and kept trying to insert the money in because the machines kept returning the bills. My claim number with BOA for this transaction is XXXX. I made that deposit for sure. There is no question about it. There is no way that the machine did not have extra money in it. I make regular monthly cash deposits at BOA. Please direct me on how to get some help resolving this issue. Thank you for your help!
Product: Debt collection

On XX/XX/XXXX I was approved an installment loan from GREENSKY credit for {$5000.00} to have dental work done. I received an official letter of approval from them dated XX/XX/XXXX. A few weeks later I received a ten page loan agreement which gave me the payment amount each month but did not give a due date. I contacted Greensky and was told by a representative that I would receive an official bill in the mail giving me the due date. I never received that first bill. my next correspondence for them was a phone call in the third week of XX/XX/XXXX telling me that I was eight days behind on my bill due on the XX/XX/XXXX of each month. I explained to the representative on the phone that I never received a first bill and had no idea when I was to begin payments. I thought we had worked out a solution by changing the due forward to the XX/XX/XXXX of each month. I now get phone calls constantly telling me I am behind. they make explain their mistake over and over again, telling me they will adjust my billing cycle. The last call was today on XX/XX/XXXX, I asked to speak to a supervisor and she said that she had no control over the mail and am a payment behind and there was nothing she could do. I am being deceived and harassed. please help. Thank you, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I requested a stop payment do to a Nation Wide pandemic. 
In the amount of {$1.00}, XXXX from XXXX XXXX. 
However Wells Fargo paid and my account was debited in the amount of {$1200.00}. On XX/XX/XXXX a provisional payment was issued to my checking account in the amount {$1200.00}. 
Some time between XX/XX/XXXX and XX/XX/XXXX the reversal credit from Wellsfargo was removed. I can not provide you with that information that they maniuplated on my account. 

Due to the global pandemic XXXX XXXX  refunded back to my card ending XXXX the amount of {$1400.00}. ( a deposit from XX/XX/XXXX ). 

Wellsfargo assumed that this was part of the same transaction from the stop payment claim on XX/XX/XXXX and the same provisional payment of {$1200.00}. 

However this is a separate transaction and date XX/XX/XXXX and claim and amount. from XXXX purchase return authorized on XX/XX/XXXX XXXX XXXX XXXX Washington card # ending in XXXX. 

I need a full refund with pain and suffering fees and any and all good faith allocated monies during this pandemic quarantine.
Product: Debt collection

XX/XX/2022. I switchedfrom XXXX XXXX company and move to another. As soon as I changed I called them and cancel services. I had just paid my service amount just three days before the the 15. With this being said I called once or at least twice to made sure I didn't owe any money after talking to representatives they sated I waa fine, my account waa clear and I did not supposed to pay any more money my account there was clear and in outstanding. After 1 month, the month od march I received a " bill '' saying I owed {$170.00}, I called XXXX XXXX again and the male representative said he did not have a clue what that bill was. And he stated " it is probably a scam because you do not owe anything ". In may i received a final letter about collection for the amount of {$280.00} dollars. Now, I feel very frustarted and overwhelmed about this situation because they did not only lied to me but, they refrained from telling me if I owe anything at the very beginning from the cancelation date. They waited months to sent me bills and to collect as much as possible fees and charges that I am not even responsible due to the lack of knowledge and miscommunication amoung the company itself and representatives. So, they requiring me to pay such amount of money when in the first place the fail and refused to admit I owe anything. I need help in this matter please. One thing I want to be clear it is not about the financial issue, it is about preventing this unjustice act to keep happening to othe people. Is that how they make profit? Out of jard working eople that strive to pay their bills on time? Is that how they treat their customers after years of being loyal to their company? Do they provide excellent training to the workers to lie or omit information to the customers??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute.
Product: Credit card or prepaid card

I WANT Bank of America to return fraud of {$500.00}. This is a fraud claim. I was scammed. A company in XXXX without my authorization charged my Bank of America ( BOA ) credit card -- first coice travel. I want BOA to file it as fraud and credit back my credit card {$500.00}. 

XXXX XXXX XXXX XXXX with a girl in a shop near the XXXX resort we were staying at approaching us with a scratch off. My scratch off won {$500.00} OR a cruise. My wife won " first prize '' which could be anything from XXXX cash, XXXX gift card, or a free vacation. The catch is you had to show up the next day with ID and show some credit card to claim your prize. Well, we reluctantly decided to check things out. 

After an hour of watching a marketing video on some incredible vacation savings, we tossed the idea around into their plan. We met with one of the " team leaders '' in another room. I asked him to pull up different vacation packages on their video presentation scam.. THIS WAS ALL A LIE AND A SCAM. PAPERWORK was small print is could not read and I wS not told they were going to charge me {$500.00} on my credit card, there was a scam and of course no transparency of up front charges. I called XXXX to see if fraud company c charged anything and they did. 

We decided to purchase their plan ( I never saw a physical hotel. Only a video claiming huge discounts. HOWEVER an hour later on internet I was all info on them of a scam BEWARE. So I returned straight to the office to CANCEL EVERYTHING!!! The paperwork clearly states it will take 3 to 5 days before we have access to the website. NEVER GOT ACCESS to anything no services whatsoever so its null CAUSE I CANCELED immediately. 

I have proof of cancelation emails. BANK OF AMERICA HAS THIS. I spoke with XXXX one day after signing that paper I didn't even know it was a contract. XXXX the manager told me no problem it canceled but he would not give me confirmation so I sent a follow up email canceling everything!!! 

I want bank of America to return my {$500.00} credit and to speak to 3rd party bank that its a scam. No services were ever rendered. Nothing was received by us from first choice travel therefore it is XXXX. THERE WEBSITE NEVER WORKED OR USED BY US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a XXXX XXXX Credit Card in a Company name which I didn't consent. 
FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet Experian will Not Delete this account. 
In addition, I have correspondence with from XXXX XXXX state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for Experian and XXXX XXXX for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my XXXX younger children to have our own place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/2022 I don't recognize this application.
Product: Student loan

We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car