23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I Went to XXXX XXXX for XXXX and a XXXX. I was billed {$3000.00} thru XXXX XXXX. I went through XXXX XXXX to pay for my teeth. XX/XX/XXXX I picked up my teeth. My first payment with XXXX XXXX was XX/XX/XXXX. They Charged me {$3000.00} included in that charge was a {$30.00} charge, don't know what that charge was for, then they charged me on my very first statement {$8.00} Interest. I knew right then I did not want to do business with them. I wrote them a check XX/XX/XXXX for {$2700.00} that paid my portion in full. XXXX XXXX owed me 10 % for a Senior Discount that I had to ask for. I ask XXXX XXXX if they paid XXXX XXXX the {$300.00} for the discount. I found out they had credited my account at XXXX. I told them I didn't owe them anything that it should go to XXXX XXXX. They sent XXXX XXXX a check on XX/XX/XXXX {$300.00}. That should have paid the account in full. I continue to be billed from XXXX XXXX, Finance charges, Late fees, and Interest charges. Each month they add more Finance charges, Late fees and Interest charges. XX/XX/XXXX they show me owing {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern at the CFPB, I have been in contact with the creditor, DeptED/XXXX  and was told that my 11 accounts with XXXX were discharged from thier records/database on XX/XX/2021 and that Trans Union was also requested and told to remove these accounts from my Trans Union credit report . It has now been over 45 days and these 11 accounts are still remaining on my credit report. Please delete these 11 accounts immediately.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello, I had initiated a real time payment that didnt not go through via chase ACH real time payment. I tried again and it still didnt go through. I then called and they told me they couldnt process and to go to the bank. I instead wired the money. The same day, my two previous real time payments were send through to the recipient. Chase admitted they made the mistake but they cant do anything about it. I didnt not authorize the payments as they were both marked as rejected. Chase says they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX and Equifax. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Second request more information. 
Most of the information is below attached. I wanted to tell you exactly what happened to cause this issue. We lived in XXXX from XXXX to XXXX full time. We moved back to XXXX. to be close to our Kids and Grandkids.. Rented a home in XXXX XXXX XXXX XXXX had a contract for 3 mos. XX/XX/XXXX we sold our house in XXXX on XXXX we stored a full POD which is in XXXX XXXX, XXXX  for a year now.We came back to the XXXX rental and when that ended we rented a home for 8 mos. in XXXX XXXX XXXX XXXX and had a contract. We were building a home in XXXX XXXX XXXX XXXX XXXX we contracted with XXXX XXXX late XX/XX/XXXX. As we were starting to build we had an accident in XXXX with a built on grill explosion in the rental which was 3 yrs old.and my wife had severe XXXX and XXXX XXXX XXXX on her XXXX XXXX XXXX XXXX and need care for six mos during COVID I had XXXX XXXX  on my XXXX XXXX.we were In the home daily with home care and Drs etc for a very long time. Im totally XXXX and thad take care of her. Im telling you some of our story to explain what happened to us. In XXXX and XXXX we were up north with our children to help care for my wife it was the second trip we did and the rental agreement ended. We decided again to come back to XXXX  and look for a home so we again needed a rental all our personal items were in my car from top to bottom. 
When I booked this property in XXXX thru XXXX at XXXX XXXX XXXX XXXX for 3 mos see attached we were going to buy a property our realtor had been looking while we we gone. I wrote XXXX attached XXXX that I needed contract and all registration forms to fill out so we would be approved by the XXXX XXXX. In XXXX XXXX if they Approved us during COVID and my XXXX with my health and immune system. I left XXXX XXXX from my sons and still no contract I started to believe we were taken and fraud us involved. I contacted American Express XXXX to dispute this transaction attached and explained everything to them since it wasnt paid yet. I only had 6 days until rental began and received nothing from XXXX on the rental. They just took over {$18000.00} dollars like it was nothing then I knew it must of been fraudulently taken by them or the owner. 
Since that time in XXXX we had to stay in hotels until my real estate agent got us a rental to use. 
I need that money for our purchase of a home in XXXX. This has hurt our credit history we were at over XXXX now XXXX. We are in the process of getting a mortgage now. 
Americam express on XXXX sent a letter that they credited my account for full amount so I thought it was finally over then on my XXXX XXXX they charged me again. No notifications sent to me at all, after all the calls. 
They wanted me to upload my dispute docs. But I didnt have anything to send them because I never received any. 
I have been with them since XXXX and had a perfect record with them. 
What ever help you could provide us would be greatly appreciate. 
Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2023 resurgent sent details about my debt to my mother which I did not authorize. It includes my name and a link to their website that includes my name and the amount of my debt.
Product: Debt collection

Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a my background report from First Advantage XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I never lived in XXXX XXXX XXXX XXXX XXXX, then I've been at XXXX XXXX XXXX XXXX, since XXXX, no breaks. It says I've been there XXXX then there's no XXXX, it skips to XXXX. I am still living here. 

In Texas Department of XXXX XXXX XXXX XXXX, TX there's a case under XXXX, Date case XX/XX/XXXX, Defendant : XXXX XXXX XXXX, XXXX : XXXX, Charge : Drive while intoxicated with Child Passenger, Charge Case : Felony, Disposition : Convicted, Disposition Date : XX/XX/XXXX, Sentence : Fine XXXX ; Costs XXXX ; Confinement 18 Months ; Probation 4 years. 
That is not me! My middle name is not XXXX! Its XXXX.
Product: Checking or savings account

Chase authorized a check in the amount of {$9900.00} to a person who I did not write the check to. I wrote the check to a company and the check was cashed by somone else with an account with XXXX XXXX XXXX. Chase acknowledges that the payee is different than who I wrote the check out to. However, they are not refunding the funds stating that they are waiting for XXXX XXXX XXXX to refund the funds to them first. Its been over 6 months.
Product: Mortgage

In XXXX, I purchased a home with National City mortgage at the peak of the housing market turned bubble. I had not idea about home mortgages and signed documents that ended up nearly financially draining me. That mortgage was a conventional loan, and I was unable to refinance it. I have attempted get National City, which was merged with PNC, to refinance but they refused citing " I had too much discretionary income for a hardship modification. '' In XXXX, I attempted to get my loans combined for an easier payment, but I could not. 

In XXXX, I contacted the bank to request it again, to no avail. Since my mortgage, including the HELOC, was a conventional loan, I was unable to benefit from programs established to help homebuyers who found themselves locked into terrible mortgages. 

I have XXXX loans with PNC for XXXX house, one of which is a HELOC and another is a variable rate loan. However, for the HELOC all but {$620.00} goes towards principle per year when interest paid is over {$5000.00} per year. The amount of the monthly payment going towards principle varies every month. So for the past XXXX years I have been paying on. the HELOC, I have paid {$65000.00} in interest towards the original balance of {$55000.00} but I still owe {$54000.00}. 

I believe I locked in a bad loan, one of those predatory loans that were given out by banks back in the housing boom, and it's draining me financially. The HELOC is due to end XX/XX/XXXX but I still owe the same amount of money I owed when I got it.
Product: Debt collection

they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Permission was given to US Dept of ED to pull credit for credit worthiness. Instead they transferred it to an alleged Servicer by permissible purpose, which can not be transferred from one entity to another entity. Also, it does not have any contractual agreements. Just recently changed with added different dates and different amounts that does not align. Lacking the ability to obtain credit.

US Dept of ED is to extend a line of creditXX/XX/XXXXknowingly without a permissible purpose is called identity theft. Any legitimate business is not a reason to constitute permissible purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. 
Please removed these incorrect personal information from my credit report as soon as possible.
Product: Checking or savings account

XX/XX/ I received emails and text messages referencing a checking account with Capital One that was fraudulently opened under my maiden name. I called Capital One to close the account on XXXX XXXX and was told I successfully closed the account and would receive a letter confirming that within 10 days. I also mailed a letter on XX/XX/ to Capital Ones fraud department to reiterate the closure of that account. I have not received any confirmation that the account was closed and on XXXX received another email from capital one that I needed to sign into my account to complete setting up my account or it would be closed. This indicates that the account was never closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My acct was closed for a hold. After 8 hours of wait times I wasn't successfully able to reach them prior to closing my acct. Even after multiple secured messages back and forth. I should have around {$4000.00} being sent to me that I have yet to see, it's been 2 weeks now. Also, prior to closing my acct, I wasn't able to access any funds for 3 weeks.
Product: Credit card

bank of America charged my bank account {$2400.00} two times instead of only one payment that I owed, coursing my bank account go into overdraft, bouncing checks, and pilling fees from my local bank account where the BOA has access to my bank $ . 

credit card # XXXX when I called BOA to complaint about the double charge, the agent tried hard to fool me by saying that the bank had only charged once and that I needed to check with my bank, so I called again and asked for administration and the agent this time acknowledged the double charge and said that the bank will refund the mistaken charge of {$2400.00}, however it will take 10 days or longer, so I told him that i am a XXXX XXXX on SS and don't have lots of $ , could you please refund the {$2400.00} back into my account immediately today or by tomorrow, and he repeated minimum 10 days or lounger, I closed my account and CC with BOA and believe that the bank knowingly double charged my bank account and had I not noticed they would have stay quiet. Im asking you to also make them pay several XXXX $ $ for all that they costed me through charges and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}
Product: Checking or savings account

Chase closed my debit card while I traveling overseas, blocking dozens of transactions without any legitimate claim. Chase failed to record my new address in the United States, refused to record my new phone number, and when I arrived in the United States, Chase blocked transactions leaving me without any access to my funds. 

When I went to the Chase branch at XXXX XXXX XXXX XXXX XX/XX/2023, despite having my passport, drivers license, and debit card, Chase refused to provide me with access to cash, and also refused to close my account and issue me a cashier 's check for the balance. 

The Branch Manager was abusive, insulting and threatened to call law enforcement even though she was the one breaking the law and was responsible for holding my assets hostage. 

Chase then subsequently blocked my newly issued virtual debit card linked to my XXXX account, blocked my online access, and canceled a physical debit card which was sent to my new address in XXXX, North Carolina. 


So in all Chase has blocked my debit cards XXXX, virtual debit cards XXXX, blocked my online access, and refused to close my account and issue a cashier 's check for the balance. 

In all I have spend XXXX + hours on the phone the Chase, all to no avail.
Product: Credit card

I'm a victim of Identity Theft and XXXX  was made aware of this issue when card was provided. Every few months my bill reverts back to paperless billing. I'm positive this is happening as I get an email telling me my bill is ready and also emails stating bill is past due. I have been very transparent of this issue and problem, calling spending hours on the phone when bill not received and emails received. I have to conjole them to remove the late fee. They continually state it's the XXXX fault as they submitted bill for delivery. They have no clue that whether the bill was actual in that bulk, only it was supposedly printed. I would appreciate them stopping this false information, as when I receive emails, it show bill is paperless and not paper as agreed. 

I request they fix their computer program and cease and desist their Customer Service people from making statements placing blame on the XXXX, which is a false accusation. Their is no tracking mechanism on the bulk mail sent, nor actual verifying data that ensures my bill was in the lot they claim was sent. This presents false information to the public and also disintegrate the integrity of the XXXX.
Product: Student loan

I have tried contacting a loan officer multiple times while waiting on hold for hours after receiving an email that my loan consolidation would not go towards my XXXX. This was not my understanding of XXXX and I have worked hard in public service to work towards my loans being forgiven. My thought was to consolidate direct loans to my unsubsidized loans, which is a very difficult process to navigate. I spoke with a customer service agent recently who confused me more than I already was. Now I have to start all over with my XXXX  and this is such a disaster. I really need help because I did not make all those payments with the intentions of starting over.
Product: Checking or savings account

On XX/XX/2024 I opened a Checking and Savings Account with CITI BANK because I needed a account that could handle large wire transfers because I was selling my Home opening account was fine. I received my bank card welcome and rules and guidelines of my accounts the first wire transfer deposit of XXXX money XXXX deposited on XX/XX/2024 was fine able to withdraw make transactions with no problem. On XX/XX/2024 XXXX was wire transfer deposited. On XX/XX/2024 account was frozen and told my account was flagged for fraud. I called to try and clear everything up to unfreeze they told me that they would be sending a letter explaining everything. My account has my money in it and I have no access to it. I just sold my home and must vacate which I am very limited. I was not given much explanation just vague generic answer. I was told that my funds would be mailed however with really no answer to when I will receive my money. I would rather pick my money up at a branch rather than postal service. On a particular date and time it is a large sum of money. I need some help facilitating return of my combined checking and savings totaling XXXX
Product: Credit card

My minimum payment was XXXX according to their statement. I paid {$200.00} on the 4th and then because of Synchrony 's continued harassment I decided to pay them off and get this debt off my back. After I paid off they proceeded to charge me random interest for a balance that wasn't even due and after the balance was paid off. I spoke to two employees who were hostile and abusive when questioned about these charges. They claimed I was late paying and I was NOT. Then they claimed I owed them for the entire balance even though the billing cycle hadn't even started yet for next month.They would NOT let me talk, they spoke over me, repeating lies like mindless drones. I will not be bullied and I will not be harassed into paying something NOT owed to this company. I will not pay not XXXX XXXX XXXX
Product: Credit card or prepaid card

I went online to my Bank of America prepaid account given to me by EDD for my unemployment and noticed that {$740.00} was fraudulently taken out of my account. It said it was an ATM withdrawal even though I didnt understand how that is possible since I had possession of my card the entire time. I immediately made a dispute with Bank of America and was told to wait 5 days for them to investigate and credit my account back. Two weeks later I called to inquire and they said they mailed me out a letter stating that they closed my card account and would not be refunding me my money since they noticed suspicious activity on my account. There has been no suspicious activity and I feel that they did not do a thorough investigation because if they had then they would not have made this decision. They have nothing to justify that my  account was fraudulent. I was even advised by them to wait until they make an investigation to make a police report so they can look at the camera at the ATM. They refuse to return my money but if they had smear footage on the ATM where money was taken they would clearly see that it is not me.
Product: Money transfer, virtual currency, or money service

I have tried multiple times to link my bank checking account to XXXX which is an exchange to invest in cryptocurrencies. I keep getting an error which states TDBank is blocking you from enabling external applications which prevents me from linking my account to deposit funds. I have called them many times concerning this issue, but they keep saying there is nothing wrong with your account and there is no blocks. It seems they do not want to help me. I need this resolved immediately. I thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant Credit LLC has listed 11 collection accounts appearing on my credit report. They are all medical debt and all under {$500.00}. They disappeared for a short time, but they have reappeared. I had to dispute them to have them removed the first time. They should be removed as they are medical bills and all under {$500.00}.