23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to emergency at XXXX XXXX off of XXXX XXXX in XXXX XXXX for a insect bite on my face XX/XX/XXXX, I have insurance and gave the hospital all off my information and XXXX card that have the medical record number and phone number on it, well the hospital never tried to billing XXXX which is in California at all, I reached out to XXXX for a record and they said there was no record of attempt from XXXX or the collection company Harvest Associates Inc . I contacted the collection company inXX/XX/XXXX and in XX/XX/XXXX and they actually wanted me to do there job and reach out to my insurer which I did my insurer told me they the hospital had 180 days to bill them in which they didn't even attempt. I didn't find out it was on my credit until XX/XX/XXXX. please help with this matter. Amount is {$770.00} Also have been insured with XXXX XXXX sinceXX/XX/XXXX
Product: Credit card or prepaid card

my husband and I were in XXXX, XXXX and made a purchase at a store called XXXX on XX/XX/2022. We thought the item cost XXXX euros and we were surprised when it was rung up for XXXX euros. We told the older man who was the shopkeeper that we did not want it, but he did not know how to make a return, he claimed he didnt have cash to give us, he called to get help but couldnt get any, and he assured us that if we just called the bank it would be straightened out and that he did not intend to take our money. I called Chase then and there there should be a record of the call and explained the situation and they assured me that I could file a claim once the charge was put through. I DID NOT SIGN THE RECEIPT! 

We came home, disputed the charge and in XXXX we learned that our claim was rejected. The documentation sent by Chase included a receipt from the store with a forged signature.I might add that in the documentation sent to Chase the store claims that I also ordered upwards of XXXX euros of merchandise from them which they are shipping to me. We have never done business with this store before or since and this is a complete fabrication. I reopened the dispute and sent a letter to the bank. 

For six months now, this issue has not been resolved. I have gone to my local branch on two occasions, I have made upwards of XXXX calls, I have escalated this to executive who tells me there is nothing they can do, that Chase is disputing the matter with visa, and I have wasted upwards of 15 hours on this matter.
Product: Credit card

On XX/XX/XXXX I spoke to someone over the phone with Synchrony Bank who held my JC Penny Credit Card. I let them know I had a balance due that needed to be paid and I wanted to just pay it completely off and close the account. They told me the total balance due was {$160.00} I paid the {$160.00} on the spot. I let them know I did not have the actual card that I had never received it in the mail. They asked if they should send another one and I said no I want to be sure the account is closed and they said it would be. 

Today on XX/XX/XXXX I got a notice from Credit Karma that i have a past due account on my credit report. I looked and it's the same XXXX XXXX account for just a few dollars. I paid this account off and now I'm being told by the representatives at XXXX XXXX 's that there is interest that accrued after I paid off the balance and a subsequent late fee.I spoke to two agents and to a manager and none were willing to help me but tried to collect the debt. None even acknowledged that I was trying to dispute the amount just that they wanted the few dollars paid in full. 

I paid off my account in full I should not owe anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. XXXX failure to resolve this issue may result in further legal action, as I prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Checking or savings account

in XXXX i received a call. my phone identified it as td bank. he told me that my account was hacked and did i want to close the account. i texted back yes. the next day i went to the bank and found out i was hacked. the bank reimbursed me. XXXX of XXXX i received a letter stating that their investigation found that it was a legitimate transaction and they wanted {$1000.00} back which they they took out of my account. i did not authorize the transaction i want the money back
Product: Checking or savings account

I deposited a check from XXXX in the amount of {$18000.00} in my US Bank checking account by ATM XXXX on XX/XX/XXXX at XXXX AM. This was for the sale of a vehicle to XXXX. When I called customer service on XX/XX/XXXX to ask about availability, I was told there was a 5-day hold on the funds and they would be available on XX/XX/XXXX. When I called the local branch on XX/XX/XXXX, I was told that the hold is for 7 days and that Monday is a holiday so the funds will not be available until XX/XX/XXXX. There is no good reason with today 's banking system for a bank to have a 7-day hold. It's highly likely that the check has already cleared the bank used by XXXX with the funds being available to US Bank. This is just a large bank taking advantage of a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is tarnishing my and credit profile by reporting this account without consent. As well as creditworthiness, character, general reputation which also against the FCRA. 
. 
The original creditor, who has violated my consumer rights by failing to abide by the arbitration clause outlined in our alleged contract. If I do owe this alleged debt, I should have been given the opportunity to resolve the matter through binding arbitration, as specified by the contracts terms. 

The original creditor did not initiate or allow arbitration as required, which constitutes a breach of the alleged agreement. Pursuant to XXXX XXXX XXXX, I owe no debt, this company violating my consumer right to privacy pursuant to XXXX XXXX b, company has also no permission to report anything using my info pursuant to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my report like I usually do, but this time, I saw discrepancies that didnt exist before. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I need this issue resolved immediately, and I request a thorough review of the documents Ive submitted to prevent this from ever happening again. This situation is extremely frustrating.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have my wrong name and accounts on my credit report thats mixed up with someone else I mailed in proof of identity my life, Social Security card and utility bill. It still is not corrected. I need my credit report to be accurate in true. 
My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My Father ( at XXXX XXXX XXXX ) passed away in XXXX of this year. I am trying to settle his estate. I went into the bank and worked through what I thought were all of the issues with his banking relationship and even asked the person I was dealing with : " is there anything else open ''. I was told no. 

Several weeks later my sister got a communication that there were " student loans '' that my Father was responsible for. I have spent hours on the phone trying to get the details. I sent a letter to the Chairman of Wells Fargo and I am still in the dark about the loans. 

Further, I found out that there is a credit card balance. But, don't know what it is and have not seen the transactions that support the balance. I have asked, but no luck on that either. 

Finally, I tried to deposit a check into the Trust account that was set up to deposit funds that care coming in and going out as I settle the estate. They refused to deposit it. I call and complained about this too. I was told they would look into it. No response. 

I note that I spent hours in one of the branches sharing estate documents and ID to prove that I am legitimately responsible for settling the estate. I set up trust accounts and transferred ( with the help of Wells Fargo ) all of the funds in my Father 's accounts into the trust accounts. 

I am just trying to do the right thing to settle my father 's accounts. Wells Fargo is doing everything to make that as difficult as possible.
Product: Debt collection

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
Product: Credit reporting

A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.
Product: Credit reporting or other personal consumer reports

Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts and remove the charge-off from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

I received a letter from Diaz & Associates about a credit card collection that is a time barred debt on XXXX. I called the credit company whom they are referring that I owe money to. The credit company XXXX says they have no record of the account or anything under my SSN. I do not recall ever opening an XXXX credit card. The name on the letter is before my name change in XX/XX/2005. I have not opened a credit in that name in over XXXX years. I also check my credit report and I do not see any credit card loan or default for XXXX.
Product: Checking or savings account

Lost my card and someone used it to deposit a check and then withdrew the funds. Filed a claim that was denied even though I was not the one who made the transactions. The claim for the check deposit was deemed fraudulent but the corresponding atm withdrawals were deemed legitimate. Now my account is overdrawn {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$78.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$170.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Was threatened in XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
Product: Credit reporting or other personal consumer reports

I HAVE ALSO FILED A COMPLAINT WITH THE FTC. THE CASE NUMBER IS AS FOLLOWS : XXXX I am writing to dispute late payments listed on my credit report and change to PAID AS AGREED/NEVER LATE because Credit Reporting Agency 's have violated my Consumer Rights under 15 U.S. Code 1666b - Timing of payments. 

The erroneous account is as follows : XXXX XXXX account number : XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I didnt give them written permission to report this information, which is a violation of 15 USC 1666b .

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge which your agency can not furnish proof of it and needs to be CORRECTED TO PAID AS AGREED from all consumer reporting!.

The creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA 19016 days before the payment due date and you have failed to provide this which is hindering my chances of purchasing a home and I dont want me and my family to be XXXX  and left on XXXX XXXX with my kids. 
I have suffered extensive emotional distress over this violation or my consumer rights. I am demanding that you CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE!. 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

I have recently refinanced my student education loan from SoFi to SoFi. The old loan amount was paid off on XX/XX/XXXX with an over payment of XXXX $ ( XXXX $ original outstanding and XXXX $ was paid ) as per their records on XX/XX/XXXX. Yet I was being charged XXXX amount on old loan account. When trying to contact SoFi multiple times. They have said the old loan is still in repayment contact your loan servicer SoFi XXXX. Whereas in XXXX app the old loan is not visible but in SoFi app I have 2 loans in active status. When I contacted XXXX SoFi they are not providing resolution and were asking to check with SoFi. Both are SoFis products. Also when I applied loan refinance the XXXX amount was XXXX $ for XXXX $ refinance amount with an interest rate of XXXX XXXX ( with auto pay .25 % discount and .25 % direct deposit ) which is now XXXX $ with XXXX $ ( which includes XXXX $ over payment ). Now that theyve made overpayment of XXXX $ its been more than a month I have not got the refund of overpayment amount also interest is being charged for the overpayment amount as well and on top of that the old loan is still active I have paid XXXX XXXX  of old loan account. I contacted them atleast 10 times in the past 1 month taking 30-45 mins of my personal time.
Product: Credit card or prepaid card

Although I have submitted thorough documentation listing all the fraudulent activity that happened on my card along with a police report Way2Go card services has denied my claim. I believe this claim has been wrongfully denied I do not believe Way2Go did a thorough job in investigating my claim. There are mistakes that happened throughout my fraud claim by Way2Go such as they pulled back funds from a transaction that I told them over a monitored and recorded call yes I did authorize for my electric company. As well that transaction was nowhere listed on my thorough fraud claim so Way2Go wrongfully and negligently pulled back those funds causing me to accrue an overdraft fee of XXXX $ with my electric company. As well I am now being threatened by that electric company to have my services shut off if I cant pay the money back. Once I reported the mistake they made to my card company there was never any follow up no resolution for the mistake they made in handling my claim. I understand government related card issuers who handle unemployment for the state of Georgia is overwhelmed with all the millions of claims Im sure they are receiving due to this COVID-19, however that gives this card company no right to hand my dispute this way when I have done everything they asked of me in filing this fraud claim. I believe I am rightfully owed all the funds stolen from me through the fraud claim I submitted. There were over 12 fraud transactions made and even with all my documentation and police report this card company is denying my claim. I do not have the actual fraud form I completed and faxed to Way2Go card services but I can hand write out another document listing all the fraudulent transactions from my bank statement. If those documents are needed please let me know and I will submit it. Im sure a copy of that document is with Fraud Services with Way2Go card company.