23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX I came into contract with CNAC through XXXX. A XXXX XXXX XXXX XXXX. Upon the contract agreement I was advised by XXXX, my Salesman that the vehicle would be under dealers warranty until the duration of the contract. 3 weeks after I brought the vehicle home, it was back in the shop, which was a recurring theme for the 25 months that I've had this vehicle in my possession for at least 20 times in the past 25 months ; including XX/XX/XXXX where the fuel pump was supposedly fixed. Fast forward to XXXX, the vehicle broke down for good. I received a call from XXXX, the shop XXXX stating that I need a multitude of work done, including the fuel pump, radiator, brake lines, brakes, rotors, coolant lines, thermostat, amongst other things, totally over {$1500.00}. I questioned why the price was so high when the vehicle is still under warranty, XXXX replied that my warranty is over because it's over XXXX miles. I told him that I was advised by XXXX about the duration of the vehicle 's warranty until the end of the contract he said that it wasn't true and to pay the money. When I returned to XXXX to retrieve my items from the vehicle, it was found that the shop also had drained that battery, in which the CNAC manager stated that she would " fix it for free, if I would make payment arrangements with them. '' I declined, because I felt that I had been taken advantage of during the purchase of this lemon. In XX/XX/XXXX, I received a letter from Attorney 's, XXXX XXXX XXXX 's office in reference to the balance of CNAC. In which I responded with a letter, asking for the verification of the debt, in which they responded with parts of the origingal contract and a ledger. Then in XXXX of XXXX, CNAC puts the balance on my credit report and it shows open as a new auto loan. I want to know how is it that a company can sell your debt to an attorney/ creditor, then put the balance on a credit report as a new loan?. So, it appears that they are attempting to get me to pay both parties. Nonetheless, I have no way of paying either of them. I have been without a vehicle and a job since XXXX of XXXX, had my identity stolen, trying to apply for work. I have been turned down for job after job, and even had an job offered, set to start on XXXX, also to no avail.. This has been a very stressful and depressing year for me and I can not pay anyone anything at this point in my life. CNAC has had their lemon vehicle back since XXXX. I would just like them to be removed from my credit report.
Product: Debt collection

I agreed to fully pay this old debt and was led to believe if I made the payment, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Debt Amount : {$150.00} Fully paid XX/XX/XXXX2016
Product: Credit card or prepaid card

Charged interest after being explicitly promised by agent I would not be. I had to attend a funeral on short notice, and the website was not accepting my payment. Once in the car and on my way I called Amex to let them know and they said it would be ok to pay when I got back, given the circumstance. 

Upon returning they charged a late fee and interest, despite being told they would not. They reversed the fee but not the interest. I've spent no less than 30 hours explaining the situation. 

The website problems have persisted for more than one year, and I've reported them more than 20 times. There has been no effort to fix the login and payment issues, or the issues with accessing chat. It has not changed in any way and remains broken. In a conversation with a manager in 2019 ( summer ) I asked to cancel my card due to the technical problems. She instead promised that they would support me in making my online payments when possible, and without penalty. That was true for a while, but they've stopped honoring this with no prior warning. 

Overall, I've been lied to, had thousands of dollars in lost time, and they just won't do the right thing despite specific assurances that this would not happen.
Product: Vehicle loan or lease

I had a problem when I was taking care of my father with XXXX.. 
I rectified the problem and paid off the car with Wells Fargo.. 
This has been at least two years maybe three and this is still Ion my report.. They were to rectify it..
Product: Mortgage

i have a mortgage with mr cooper. i tried to sell my condo since XX/XX/21 at value price but was unsuccessful. the condo has been empty since XX/XX/21, as i relocated for work. the condo is under water and i applied for a shortsale in XX/XX/21, which first requires a loan modification. this application for loan modification and shortsale has dragged on since XX/XX/21 endlessly. mr cooper asks for a small new piece of financial information every one or two weeks, which i immediately provide, and this process has repeated itself over and over since XX/XX/21. i have continued to pay hoa fees since then and this is financially burdensome to me. my assigned representative is not always available and, when speaking to someone else, a different answer about what is needed or about the current status is provided. please help.
Product: Bank account or service

I was assessed overdraft fees when items posted on a positive balance. I have escalated to PNC several times with no understanding of why the fees were assessed. Please refer to attachment detailing banking activity on XX/XX/XXXX and XX/XX/XXXX. Also, PNC 's mobile deposit service does not outline availability surrounding deposits made via the application on weekends. Lastly, the check that was deposited via the mobile application on XX/XX/XXXX cleared the issuing financial institution on XX/XX/XXXX ( uploaded evidence ). There was no overdraft here.
Product: Credit reporting or other personal consumer reports

After numerous attempts to get this fraudulent account removed from all my credit reports Celtic Bank has refuse to remove.
Product: Checking or savings account

I had an account and I opened my daughters account, because she is & was under age. But recently she lost her wallet and some fraudulent active was going on. When she notice those transactions, she quickly reported her card lost. But after she did that, she use my account to transfer her work check into my account and withdrawal what was left of her paycheck with my debt card. I filed a police report after, I was told I could. Today I sat with the police and was able to access my online banking to file the report. I made a call to inform chase that I have filed a police report and filed a claim as I am suppose to as a victim of fraud, instead that there was no reason that she could give on why both of the accounts had to be closed, because they reserved the right to end a banking relationship anytime. And after getting hunged up on by that representative, she locked me out of my online banking. I am single with XXXX children and I knew my check was going to be deposited at XXXX, and they stated to me that I would still be able to see my account active, but locked me out? ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and their website indicates my personal credit data may be among the files compromised. This is an inexcusable breach of security on the part of a company that never received my consent to collect such data on me in the first place. In addition, recent media reports indicate executives at Equifax knew about the breach and took steps to protect their personal profits before informing the public about the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in XXXX
Product: Debt collection

Hello. I received services from XXXX XXXX XXXX  XXXX  on XX/XX/XXXX. An invoice was received for this service dated XX/XX/XXXX from XXXX XXXX. I paid amount due of {$37.00} as per invoice sent on XXXX 
RTR Financial Services Inc started sending me debt collection notices in the beginning of XXXX. I responded them that this bill has been paid on XX/XX/XXXX. Besides sending copy of invoice received from XXXX XXXX for this service and payment details, RTR Financial Service is still harassing me to pay this amount again. I received another notice from RTR Financial Services dated XX/XX/XXXX stating that if payment was not received further collection efforts may be taken to collect this debt. 
This harassment needs to be stopped. 

I have attached the copy of payment made on XX/XX/XXXX with {$0.00} balance due. 

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

The below companies have my information and I don't have accounts with these company and because the are on my consumer report it is fraud and identity theft.
Product: Debt collection

I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass me.
Product: Debt collection

I keep getting called and the person they are looking for is not me. But they continue to call.
Product: Debt collection

XXXX  XXXX XXXX XXXX {$780.00} XX/XX/XXXX NCB MANAGEMENT SERVICES , INC. {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found these three accounts that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.
Product: Debt collection

I was in a car accident. The atty that was representing me promised to pay all of my medical expenses regardless of the outcome of the lawsuit. Atty office instructed me to go to their medical doctors for the pending lawsuit. The atty office refused to pay the medical debt, and the medical office has illegally put this account on my credit report. If I would have known I would be responsible for the debt I would not have went to their medical office and went to a medical office that accepted my medical insurance.
Product: Debt collection

Dear Sir/ Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct and authentic, sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of judgement, sworn by WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar day of receipt of notice. 

XXXX XXXX ( Debt Collector ) did not provide the sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of judgement, sworn by WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar day of receipt of notice. But rather a Letter to cease and desist, attachment 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Vehicle loan or lease

I bought a car in XX/XX/XXXX. I was sent payment information for my new loan through Golden 1 Credit Union.  The payment was due on XX/XX/XXXX. On XX/XX/XXXX I used XXXX XXXX XXXX to pay my car payment. I provided the account number provided to me by Golden 1. On XX/XX/XXXX I received a letter saying the payment was 15 days late. I logged onto my XXXX account and saw it was paid electronically on XX/XX/XXXX. I called Golden 1 and was told they never received a payment. I said it was paid electronically through XXXX. The agent on the phone kept saying it might have been lost in the mail. I said it was not mailed, it was electronically transferred and I already verified this with XXXX. They told me it transferred on XX/XX/XXXX and the money has left my account on that date. Golden 1 has the {$510.00} payment. The agent at Golden 1 was provided a tracer number but said she could not locate my payment. I asked her to make a note of this dispute because I did not want my car to be repossessed or to be marked late for payment. She said she could not do that. I then wrote two dispute letters and provided the proof of payment from XXXX to both complaint addresses. I received two more letters on XX/XX/XXXX from Golden 1 stating the payment was late, and they have not received a response from me. Even though I have called and sent two letters, and they are going to take appropriate steps to collect. A second letter stating it was 21 days late arrived as well. I have now sent two more letters in response. Golden 1 Credit Union 's response is unacceptable. They just seem to throw up their hands and ignore the issue. XXXX transferred the loan payment of {$510.00} on XX/XX/XXXX. My loan is not late, and they have lost my funds and refuse to respond or address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 a hacker accessed my XXXX XXXX account ( which had a credit card attached to it ) and within hours ( while I was asleep ) they created a fake XXXX business page and fake ads. Totaling {$4500.00}. I appealed to Bank of America. They saw some 'pending ' transactions that were clearly XXXX and fraudulent ( I do not repeatedly run {$900.00} ads on XXXX XXXX my average monthly is between $ XXXX {$400.00} in total ). I appealed and Bank of America ( BOA ) is denying that the charges are fraud. And to add insult to injury, their letter from BOA said I provided access to my account. I DID NOT provide anyone access! 

Any forensic accountant can see that they charges were bogus and were out of pattern with my spending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXX XXXX XXXXXXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXXXXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate 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: Money transfer, virtual currency, or money service

Sent money in the amount of {$10000.00} to daughter using PayPal on XX/XX/2018. Transaction number XXXX. My bank shows that money was withdrawn by Paypal and PayPal shows pending on an echeck send but no funds were ever received by my daughter and PayPal can't seem to answer where the money is. It's been 10 days and I would like the transaction canceled and the funds returned.
Product: Debt collection

I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file 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
Product: Checking or savings account

I have had an investment account and a cash savings account with Betterment for several years. I deposit money into each account every month. In XXXX of XXXX I deposited {$20000.00} in my Betterment cash account over three different deposits over a number of days. So I had over {$23000.00} total between both accounts most in the cash account. On XX/XX/XXXX I tried to withdraw {$2000.00} from my cash account. The next day I got a reply saying they needed proof the account was mine. I sent the information they asked for. An image of my drivers license and checking account statement. The next day they asked for bank statement from another checking account not the one I was transferring to but the account I had transferred the money from in XXXX. I immediately sent the information they requested. Both accounts have my name on them. I can not get a response from Betterment either from email or calling their customer service number. The customer service person was no help and made me upset. I feel like Betterment is stealing my money! Im XXXX XXXX XXXX on social security and I can not afford to lose any money to this multi XXXX dollar financial institution. I want to know why they wont give me my money. Can you please help me?