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

American Express online banking XXXX mos CD matured XX/XX/23 ( Sunday. ) Their email and letter said call during grace period to close. I called XX/XX/23 ( Monday ) and was told it would take up to 13 days to transfer my funds to my checking account ; and I would be notified by XXXX mail only. I was later told it would be XXXX days. I called on the XXXX day, XX/XX/23, and was told XXXX days was incorrect. My funds will not be released until XX/XX/23. There is no disclosure of this additional 10 day hold of my funds after maturity in any of their materials, from inception to the letter and email stating my CD was about to/ had matured. This is a deceptive practice, and an aggressive way to keep my funds and allow them to automatically renew for another XXXX mos. ( During a second call on XX/XX/23, I was told I could call a few days before maturity to get the new interest rate and give instructions on closure or renewal. I told the representative this information should have been in their email and letter- it was not. )
Product: Debt collection

XXXX is claiming I owe them a debt that was charged back. I used a credit card that I was authorized to use to send myself cash sometime in XXXXXXXX XXXX  the card was issued from the credit card company to XXXX XXXX, who added me as an authorized user. They sent me a card in my name. The total of the transaction came to {$69.00}. I contacted XXXX, sent photos of the card, explained that the charge WAS authorized and they reinstated the account saying I didn't owe anything. Then, I later continued getting notices that I owed on the account, when there should have been no debt owed and no indication of a chargeback. Then they added a {$15.00} late fee. Last week, I received a notification of debt owed to them by a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not owe this debt. I have gone back and forth with XXXX over this, and they keep harassing me about this debt that was authorized. I've attached correspondence from them, as well as a photo of the XXXX XXXX collection agency letter. I have pretty impeccable credit, and this needs to be removed from my account as a debt owed, as it could negatively affect my score. 

The XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX marked my Transunion credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from XXXX XXXX  is also incorrect. I never owned an account with XXXX  XXXX  and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. I demand that XXXX XXXX XXXX investigates these false reports and provides all pertinent documentation including : XXXX ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed. 3 ) The charge-off date. 4 ) The account number associated with the debt. 5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges. 6 ) Confirm whether or not the statute of limitation on the debt has expired. 7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. XXXX XXXX XXXX also needs to remove all negative derogatory markings on my credit scores from all XXXX credit bureaus [ XXXX, Transunion, XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call XX/XX/XXXX from a person from GCAB ( Greater Collection Agency Bureau ) They knew my full name, ss #, bank information, everything. Said I had a debt from an online payday loan company in XX/XX/2013. I've never done that. The person that took the loan out was a different name. He said he'd give me until Wednesday to figure it out or they will file a judgment and it will be on my credit. I'm not sure what to do. This is the number they left. ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a dispute was opened which I ask Equifax to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Product: Debt collection

Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed.
Product: Mortgage

Overpaid charges to my loan .. unnecessary drive by inspections charges ... my loan stays the same for a long period .... doesn't look like progresses ... I have Green tree/Ditech since XX/XX/XXXX ... DITECH XXXX 2 years and half ..if not mistaken .I can submit papers ... but don't know how to do it onlineI can send by mail ... .to prove it ... phone number is XXXX ... .to cover up all this ... I was not aware they were been lawsuit ... they transfer just recently starting XX/XX/XXXX my mortgage loan to XXXX XXXX ... which by reading about them are no better than green tree, XXXX/Ditech, LLC ... it is like having twins ... of the same badness ... my phone nXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovery has 2 inquires in my account in XX/XX/XXXX and one in XX/XX/XXXX, XXXX has inquiry in XX/XX/XXXX I didnt not authorized per FRCA File # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat XXXX  reporting account 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 item/account/information below XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/16 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
I WANT TO DISPUTE THE 30 DAY LATE PAYMENT this account was paid in full Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7000.00} {$7000.00} {$7000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between regional finance and XXXX XXXX XXXX and following companies see attached documents companies highlighted.

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred XXXX XXXX  to my personal bank account in XXXX through Western Union Bank. This was my first time making such a transaction. During the process, I received a receipt that included a non-transaction fee. According to their promotion, new customers should not be charged additional fees. However, after completing the transfer, I noticed a reduced rebate on my account. I need your help to solve this problem. 

My Transaction Tracking number ( MTCN ) is XXXX XXXX XXXX.
Product: Debt collection

I have an ongoing issue with an outstanding hospital bill that I am refusing to pay. 

On XXXX XX/XX/year>, I went to XXXX XXXXXXXX XXXX XXXX for a XXXX ( most likely XXXX XXXXXXXX from previous trip to XXXX ). I was seeking to see a doctor for simple medication. Soon after I was admitted to the triage room and when asked if I had insurance ( I said yes ), they admitted me into ER. There, I was subjected to an XXXX XXXX ( where no blood was drawn or any glucose injected ), CT scan and XXXX hrs. of my time. The result was simple nothing wrong/ no dehydration/ no blood work result, suspected food poisoning. I was handed a script and left. 

This procedure was totally unnecessary, I was exposed to unnecessary XXXX from CT scan ; they did not listen to me when I requested, I just need to see a general practitioner for a script. 

The hospital bill is {$2100.00}, and a will not be paying it. I will of course, pay for my urgent care visit as expected of but not the ER component. 

I keep getting letters from different dept XXXXllectors, no one at XXXX can help me or put me in touch with some who I can complain directly.
Product: Mortgage

I have a mortgage with XXXX XXXX. Prior to refinancing the mortgage was with XXXX XXXX XXXX. I have been on a " XXXX XXXX XXXX '' going back to a least XXXX if not longer. I was asking some questions about the how the payments get applied to the account and learned the program is run by a third party named XXXX. When I researched XXXX on the internet I saw litigation was taken against XXXX for what amounted to false advertising of the product. The research indicated XXXX was ordered to pay back affected customers. I don't recall ever getting any type of correspondence or notices about this ruling, and I don't think I ever got any reimbursement. How can I find out more about this? If the program is not legitimate, why is it still in business? I'm still enrolled in the program.
Product: Debt collection

I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX FINANC XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card

I checked my credit history in online in order to know my credit score and found out that I have debt in BJ 's Capital One Credit Card ending XXXX with the amount of {$230.00}. In my knowledge I never received this card and never applied as well. Then I Check my mail and I noticed in my table that I have a mail from Capital one and open it and checked the mail then I saw the bill. I called costumer service and asked them why they charged me and ruined my credit score. The costumer service told me the amount is for registration fee for BJ store. I said What!!! I am not crazy to sign up for the BJ store and I told them that I have COSTCO and BJ ID and still good and used recently. I asked them to cancel and refusing to pay. I called also the costumer service in BJ STORE and asked why I have BJ 's CAPITAL ONE CARD bill. The representative told me that they receiving calls with the same issues. In my opinion probably this is a scam.
Product: Student loan

In XXXX I used a service to work with PHEAA to rehabilitate my loans after my consolidation application was in they canceled it and began garnishing my wages after refusing to deal with the service I employed. I work shift work and a lot of extra hours, my phone is prohibited at work and my hearing isnt all that great to begin with thus I contracted with the service. After the garnishment I spoke with PHEAA several times until they finally told me to pay a nominal payment and they would take my loan out of default so I could apply for consolidation. Every time I went to apply the site said my loan application was with PHEAA and I needed to contact them. I did so several times and was repeatedly and rudely informed that it was a government website that had nothing to do with them. Finally I managed to reach a person with the website and was able to submit my application within days of the deadline I also informed PHEAA of what was happening. In the meantime they pushed me back into default as the fed loan ppl delayed my app for me to file an income based repayment request ( that I do not need or want! ) now I PHEAA has changed more fees and again reported to the credit bureaus. How can I get my loan out of default when they make more money forcing me back into default? I need help! I can not loose my job in the process of trying to communicate with the thugs they have employed to deal with debtors like me. I want to pay my loans and put this behind me.
Product: Credit card

So back in XXXX XXXX XXXX  I signed up with Care Credit / Synchrony Bank they approved me for {$10000.00} so that I could have some much-needed XXXX  work done. I was offered 24 months no interest charges promotional. So, {$6000.00} was charged on this account. I've been paying about {$250.00} a month for the past 13 months. Believing I had 24 months to pay off my balance. Also made another charge of {$790.00} back in XX/XX/XXXX, fast forward to today I received a notice and statement saying my account is over the limit and interest in the amount of {$2500.00}. At this point I'm confused, thinking did I do something on my end to accelerate my promotional offer like miss a payment or something. No, I did nothing wrong on my end. So, I called and they state that my promotional offer ended it was only for 12-months. I stated no I have 24 months as we agreed when I signed up because their interest rate was so high 32.99 %. I knew I would pay it off in 2 years before the promotional offered ended. So, I ask them XX/XX/XXXX could you send me a copy of our agreement to see if they even had it because I have the email. Care Credit XXXX Synchrony Bank states they didn't have the application, nor do they keep them. So, I upset at this moment and ask to speak to a supervisor they transfer me twice I speak briefly with the manager before he hangs up in my face while I'm talking. So, at this point I would like to pursue, some sort of action to get Care Credit / Synchrony Bank banned from being able to lend money to consumers because of their fraud practices. Lending to consumers under false pretense to mess up consumer financial life. In my case they lied about the 24-month interest free promotion also they charged 10 % more in interest than the agreement and reduced my limit from {$10000.00} to {$6700.00}. {$6000.00} times 32.99 % would have charged me {$1900.00}. They charged me 42.12 % which now shot my loan back up and over the limit. This is predatory lending and I see I'm not the only consumer complaining about this matter with Care Credit / Synchrony Bank. Please help me expose this companies foul practices in lending.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened a credit card account without my consent, it was marked as fraudulent within their system and was closed. However, this unsolicited account has been registered within my credit report and thus my credit score has been affected by this, resulting in -11 pts. reduction of my credit score unjustly. I never was or am a customer of XXXX XXXX. 

XXXX investigated and removed this account from their credit report, so I am soliciting Equifax, XXXX and any other Credit reporting service to do the same. Ive attached all the evidence and a copy of the initial complaint to XXXX XXXX and XXXX for reference.
Product: Credit reporting or other personal consumer reports

i have been fighting this for XXXX months now. i never inquired about a car and have asked for these inquires to be taken off my credit report.