23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A friend who lives in the XXXX XXXX contacted me to receive a XXXX payment for him, and he told me its for business. I replied, No problem. 
Here 's how you could translate that : " But I don't know who the person sending the money is. I received the money and transferred it to my friend in the XXXX XXXX ; it was a total of XXXX XXXX. Two days later, I received an email from Capital One saying that they have put a restriction on my account because of this transaction " And then they gave me a number to call. I called to explain the situation, and they told me to come to a branch, which I did today, XX/XX/2024. They gave me a bank statement to take to the police, which I did. '' Heres how you could translate that : " And the police told me that I can't file a report or press charges because it was the person who sent the money, and I didn't lose anything. I called the department, and they told me that my account is under investigation. I went back to the bank to withdraw money and sort this out, but they told me that after an internal decision, they decided to terminate all relations with me and that my accounts are closed. I asked them to get my money, but they categorically refused, telling me I have to wait for the investigation. Now, I can't access my money, eat, or drink since Capital One is holding my money. I also told them everything I knew and what I did with the police, with evidence to back it up. ''
Product: Debt collection

I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
Product: Credit card or prepaid card

I had a reoccurring charge of {$75.00} per month paid to a medical doctor for monthly visits. I saw my provider last on XX/XX/2017 and the monthly charge occurred on XX/XX/2017. In XXXX of 2017 when I tried to schedule my next monthly visit, my medical doctor 's former shared office receptionist said the provider was no longer practicing and suddenly closed her practice due to a medical condition. I realized the provider never stopped the automatic payments. I contacted my credit card company to dispute the next month 's charge which ultimately was successful. However, unknown to me the monthly charges continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on the XXXX of the month. I contacted the credit card company again to dispute the new charges, the processor accidentally logged the disputed amount for {$23.00} versus {$75.00} per month for each of the 3 months. I tried to resolve the error that the credit card customer service rep made when logging my call but the credit card company has refused to correct their error and will not take my revised complaint for the balance of the disputed amount. They state I must contact the merchant directly but I am not able to make contact with the doctor because she has retired due to a medical condition. At no time did I specify a lower amount than the entire {$75.00} per month I was disputing. The error is from the credit card company 's intake staff and not on faulty information I provided. The intake was recorded and could be verified. I feel the dispute process failed me and is making me pay for services I have not received. As a final means to ensure I would not continue to receive future charges from this provider, I closed the card number and received a new card.
Product: Credit card

I used to have Fidelity amex card since XX/XX/XXXX which was switched to a Visa card in XX/XX/XXXX. I used to get a confirmation number when I paid my bill online prior to the switch. Now I am not provided with a confirmation number and the bank says that 's the way it is. This is only online payment that does not provide a confirmation number
Product: Vehicle loan or lease

CPS - CONSUMER PORTFOLIO SERVICES, REFERENCE TO PREVIOUS CASE : XXXX YOU DID NOT ANSWER MY CONCERNS. THE ANNUAL PERCENTAGE RATE EXCEEDS THE STATE OF FLORIDA USURY LAWS. THIS IS SOMETHING A " NATURAL '' PERSON WOULD NOT THINK TO LOOK INTO BEFORE PURCHASING A PRODUCT OR SERVICE THAT INCLUDES AN ANNUAL PERCENTAGE RATE. I AM REQUESTING THE INTEREST RATE BE REDUCED TO THE MAXIMUM ALLOWED UNDER FLORIDA LAW AND ALL INTEREST PAID, EITHER ISSUE A REFUND OR APPLY IT BACK TO THE LOAN AFTER RESTRUCTURING. ALSO, NOT ALL PAYMENTS WERE APPLIED TO INTEREST. PLEASE PROVIDE PROOF THAT EVERY PAYMENT MADE A PORTION WAS APPLIED TO PRINCIPAL. FURTHER MORE, I HAVE REQUESTED FOR THIS CASE TO BE PUBLISHED IN AN EFFORT TO ALERT POTENTIAL BORROWERS BEFORE SELECTING CPS. I BELIEVE THIS IS A FORM OF PREDATORY LENDING.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request to Block and Delete Fraudulent Accounts - Pursuant to 15 USC 1681c-2 ( a ) Dear Transunion Consumer Solutions, I am writing to formally notify you that I am a victim of identity theft as a result of the recent data breach from Health Equity. Fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that you block and delete all information associated with these fraudulent accounts from my credit report. 
Please find enclosed copies of my identity theft report, along with other supporting documentation, to substantiate my claim. 

The following fraudulent accounts have been identified : XXXX XXXX {$12000.00} # XXXX I would appreciate your confirmation that this account have been blocked and deleted from my credit report as per the Fair Credit Reporting Act. Additionally, I request written confirmation once the requested action has been completed. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

We entered into an agreement with harness solar. They told us to use mosaic for financing. After inspection prior to install, harness said our roof was perfect for insulation and so we agreed to proceed with work. Two days after they installed the panels we received an email saying that they went out of business and to contact Mosaic. Would find us a secondary installer. A year and half after mosaic still has yet to find us in installer, rains have entered our home, two bedrooms, two bathrooms, kitchen, and living room all damaged. After multiple attempts via phone call and emails to Mosaic, they stated that is not their problem but they can uninstall the panels for an extra cost so we can make all of our own repairs.it was suggested that we go after the original installer ; Who went out of business a year ago. our home is now damaged {$160000.00} worth and Mosaic will not help us but yet they want us to pay them XXXX for their solar which still isnt connected or installed properly to date. They are now sending us to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of 1974, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX, I discovered discrepancies in the following account : Account Name : XXXX Account Number : XXXX Disputed Information : DATE OPEN, BALANCE OWER, DATE OPENED Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : I will leave proof of the total payment I made into this account in the attached documents, copies of your dispute letters.
Product: Money transfer, virtual currency, or money service

I did a wire transfer to Coinbase.com of XXXX to invest in cryptocurrency.

I received a message on their website regarding the transfer and that it will be delayed and processed

within 24 hours. It 's been 48+ hours now and nothing. I
've been on hold on their phone customer support for 1 hour, TWICE in a day. I 'm not the only one experiencing issues like mine. People have even been locked out and accounts r
emoved with way more money than me, with no reasons given.
Product: Debt collection

Syndicated Office System dba Central Financial is refusing to supply us with a statement of money owed. They claim they are not attempting to collect this debt because it 's too old but yet they continue to report it the credit report companies. I am trying to secure a loan but have been told I have to pay the debt at closing to complete the process. Syndicated refuses to give me a statement showing who to pay, where to send it, my account # 's ( 3 ) and the total amount due. The bank requires it from them on their letterhead. I have never heard of such a thing. Their representative told me to dispute it with the credit reporting companies which takes 30 days. The bank is not going to wait 30 days. This company is truly putting a hardship on me. I believe this is very unethical on their part. Are they being spiteful because it 's to late to collect their money?
Product: Credit card or prepaid card

XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.
Product: Credit card or prepaid card

Having benefits that are granted to us, should be accessible at all times. The www.eppicard.com website is always down. Their customer service line at XXXX is always done, too. There is no way to activate the card. If you loose it, you can't get someone to replace it. There is even a website created against this company called : XXXX XXXX XXXX While it is useful because it has answers, the steps provided do not fix the problem. 

Eppicard is a fail as a company. I am unsure how any governing state in the U.S. can work with such a horrible company. Can we please get our funds? 

Eppicard 's website is always down. You can check and investigate yourself by checking history status at : XXXX XXXX XXXX It is beyond frustrating. No one will assist.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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.

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 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: Checking or savings account

On XX/XX/2018 a guy called XXXX XXXX who was working for me helping in a construction job, stole from my checking book that I kept in may car a BLANK check ( # XXXX ), and he filled with his letter and signed, coping my letter and sign from a check that a gave to him as a payment for his job. He cached a check in a bank call ( XXXX ) and my bank ( Bank of America ) pay the money from my checking account ( XXXX dollars ). When that happened I went to the bank and put a claim and I reported to the police. the first claim was denied and I do 2 more claims to the bank and they denied again, in the first claims they said that I gave the check, and in the last one they realized that it is a fraud but they said that somebody has access to the account. now the bank closet the case and dont refund my money that is the bank responsibility.
Product: Debt collection

On XXXX XXXX, 2019, I received a letter via email stating that I could call to make arrangements over time to pay my delinquent American Express card. No where stated in the letter that my card was not eligible for this arrangenent. When I called American Express to make payment arrangements, I was that I could not. They need to adhere to their words stated in the letter.
Product: Credit reporting or other personal consumer reports

sent letters out to the bureaus eperian, equifax, and XXXX on XX/XX/year>, XXXX, XXXX, XXXX  and XX/XX/year>. It has been over 90 days and the creditors have not responeded. Please deleted and removed the following accounts if not verified and validated. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX XXXX {$870.00} XXXX. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally reinserted an alleged account from XXXXXXXX XXXX  on my credit report. This account was removed in XX/XX/2021 and upon checking my credit today I noticed that equifax reinserted account dispute the fact account was already removed, despite the fact they sent me no written notification of the reinsertion Thai is unfair please make the necessary adjustment to my account
Product: Student loan

I have had a federal loan with XXXX ( now navient since 2016 ). Most of my payments have gone towards interest although I have been paying the loan for 10 years, with XXXX forbearances for less than 4 months each. To date, the loan is actually more than it was when I took it out. I 've been requesting an amortization of monthly payments which I have made and an ongoing balance from Navient for the past month by phone and have not been met with satisfaction. Navient says this information is available online, and it is not! They do not offer tech support to customers. 

How can I have paid so long for this loan and not even make a dent in it? I understand paying interest but surely by ten years in I should have paid more towards this loan. I 've benn on income based- for the past three years to get some relief .... 
I need answers and help! 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

the company is lendmark financial. i recently asked the company if i could borrow up to {$800.00} to help me catch up on my mortgage payments. the lady informed me she would send it to underwriting to be approved. she informed me that if she didnt get a hold of me the day i applied for the loan, she would call me the next day. but she never did call me back. at least give me a courtesy call. i do not appreciate their business and shady tactics and i had my bank put a stop payment on them from taking money from my account. they could have at least given me a call back or something whether i was approved for the loan or not. but that's ok as a XXXX veteran
Product: Credit card or prepaid card

I purchased a Washer and Dryer from The Home Depot on XX/XX/XXXX. The washer and dryer were already 10 % off and there was a deal going on that if you opened a credit card through them you would save an extra {$100.00}. The employee called their credit card company to ensure I would get the {$100.00} off if I opened an account with the washer and dryer already being on sale. He was told yes and I would notice the {$100.00} credit within a month or two on my billing statement. Now the credit card company is refusing to honor the {$100.00} credit because they said I already got the 10 % discount. They even have record of the sale associate calling and asking. They say they were not completely aware that I was already receiving the 10 % discount. Which is unfair. Because they gave out the wrong information, I should not lose my {$100.00} discount. I would NEVER have opened an account through them if I was not promised the discount. I've been battling this issue since XX/XX/2019. Through both email and phone. Tomorrow my promotional deal ends. I do not want to pay the extra {$100.00} yet I do not want them to add on interest rates for not paying. I just spoke with a supervisor today and she was extremely rude and said she will not help me and I was told I wouldn't get the discount in XXXX and she was done with it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} IXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX