23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Explanation of Disputing : on XX/XX/XXXX I went to XXXX XXXX to get some XXXX XXXX I only had an XXXX and an XXXX but they could not do any other work because i had a XXXX XXXX and needed to take XXXX before any XXXX is done. My insurance company ( XXXX ) had been billed for the services of that date. They also billed and overcharged my Wells Frargo credit card for the same services that were not completed. I reached out to Wells Fargo to file a dispute on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I received a letter stating that they did not have enough information. I explained and attached all my supporting information to Wells Frago and I have also attached the support information/explanation to this dispute. According to my insurance provider my out of pocket cost should have only been {$61.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, Huntington Bank sent me a text saying that they believe my checking account had an unauthorized payment of XXXX cents as an international fee. Of course this was not me so I sent them back a text saying yes this is indeed not authorized. A few minutes later I check my checking account to see Huntington Bank had let XXXX different transactions all for the same amount of {$28.00} from XXXX go through. These payments occurred in a different state ( New York ) and I live in Ohio. I immediately called them and told them these payments were not authorized and that my account was comprised. They closed my account and gave me a new card in the mail a few days later. On XX/XX/XXXX I was refunded this money of XXXX payments of {$28.00}, a total of {$260.00}. However, on XX/XX/XXXX this money was again taken out of my account from Huntington Bank and they informed me that they did believe the payments were authorized. I have been fighting with them for months over this issue but theyre still disagreeing and saying these payments were authorized when they were clearly not. I was even told the reason why they believe they were authorized was because of my old card being used on an XXXX XXXX account. I have not recently added that card to any XXXX XXXX account. The only thing I can think of is that my old card was still on my XXXX XXXX account and I accidentally may of tried to use it on two different purchases. XXXX not sure why this would matter as it has absolutely nothing to do with the XXXX separate transactions from a completely different state along with the international fee occurring right before. Im very disappointed in my service and feel like Huntington Bank is treating me unfairly and would like my money back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Product: Credit reporting or other personal consumer reports

Unethical business practices - I opened an account with XXXX XXXX. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through XXXX which financed equipment in that area of Texas. I did not want XXXX because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with XXXX keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " XXXX XXXX ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! 
They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I can't access my Chase mobile app. Because of this I can't make any transfer, check account balances or pay my credit card. 

The same day ( XX/XX/XXXX I reported this situation with the chase technical team & the havve n't resolve my issue yet, it had been 18 days. 

Per last time they give me a resolution time that expired doday & I'm still not capable to ha visibility on my accounts
Product: Credit card

The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Product: Debt or credit management

I have been reaching out to this company asking for proof this is my account they have yet to send any information I requested to prove that this is my account such as a copy of my drivers license and ssi card this account is fraud and I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Product: Debt collection

I am being sued by a collections company ( XXXX XXXX XXXX ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.
Product: Credit card

On XXXX XXXX XXXX I applied for a zero per cent Amex credit card online. I received an online message that I was approved for {$1000.00}. I do not need a new credit card, I was looking for a zero percent promotion. I also received an email congratulating me on being approved. A few days later, I received another email confirming that the card was in the mail. I used the card in XXXX, and received my first statement, which of course was 0 % interest charge. I assumed I was using the 0 % card I'd applied for. 
I received my second statement and it has an interest charge on it. 
On XX/XX/XXXX I called Amex, spoke to a XXXX and she confirmed that I had applied for a 0 % credit card. Here is the SHOCKER. She said I had been denied for ( reading all the options- not a specific reason to me. ) I told her I considered this bait and switch since I NEVER received any message that I had been denied the 0 % promotion. I was congratulated that I had been approved I had XXXX indication that I was denied the promotion or I NEVER would have accepted this card. I do not need a new card, and I have an XXXX XXXX XXXX so their offer is almost an insult, but the fact that I assumed I had 0 % interest for a year, and they offered XXXX clarification that I had been denied the promotional rate is just bait and switch.
Product: Payday loan, title loan, personal loan, or advance loan

I paid the company off back in XXXX XXXX XXXX I contacted the company to try to resolve the issue the customer service agent told me I still owed the money because I had missed a payment because they sent the check back because it was misspelled. I stated there is now way I owe you over {$900.00} for missing 1 payment and you also would not have waited 6 months to try to collect you money if i still owed you. They are still taking money out of my account. They have taken over {$150.00} plus overdrafts fees I paid the balance off from the information. I got the payoff amount from their customer service agent. They waited 6 months to start taking money out of my account again.
Product: Debt collection

We have insurance through XXXX financial for business and its being withdrawn with auto pay, suddenly we are receiving repeated calls from this debt collector ( listed below ) for unknown numbers, we are going through tough times and spent last 2-3 months with multiple 911 calls and hospital due to XXXX and this company keep calling during the entire time and sending threats, last chances and all those wording! when responding to their email the person does not exist and email got returned! 

Please take an immediate action against them while we continue to check with XXXX and resolve this issue once time permit. 

XXXX XXXX Toll Free : XXXX x XXXX Direct : XXXX FAX : XXXX Brown & Joseph , LLC Accounts Receivable Management Firm Credit and Collection Specialist XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois, XXXX Thanks XXXX XXXX
Product: Debt collection

on XX/XX/2021, i reponded to south mississippi collection services, inc with letters for some alleged debts of XXXX, and XXXX that i do not owe nor have relations with and i asking for assistance in resolving this matter.They have neither responded with me since i sent the letter off by certified mail with return receipt tracking # XXXX and i have attacked a copy for my record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Rental Payment History Dear Experian, I am writing to address an issue with my rental payment history reflected in your records. Upon reviewing my Experian credit report, I noticed that my rental payment for XXXX has not been updated. 

Attached to this letter, I have included a copy of my rent ledger, which clearly shows that my XXXX rent payment was made in full and on time. The rental information in question pertains to the following account : Account Name : [ XXXX XXXX ] Account XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX kindly request that your company investigate this matter and update my rental payment history to reflect my XXXX payment. 

Please do not hesitate to contact me. I would appreciate confirmation once this update has been completed. 

Thank you for your attention to this matter.
Product: Checking or savings account

A representative came into my place of business in washington state. The representative first name was XXXX. She was a supervisor, as an incentive to get us to open an accout with Wells Fargo Bank she offered a {$300.00} that would be deposited after u kept at least {$1.00} in the account for 90 days. I called my back mid XXXX, first they said they didnt see the incentive and i was escalated to another department that handles the incentives and i was advised that it would be 45 days after the 45th day expired. I confirmed the accout was open on XX/XX/XXXX which meant my 90 day mark was XXXX XXXX XXXX. Now i confirmed with the representative on XX/XX/XXXX and she confirmed i met the terms. Now when i call they say they can't see the incentive. So im reaching out for assistance.
Product: Credit card

I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my credit was going to be ran once for auto loan it then was ran multiple times through 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX and XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. Although they were removed earlier, they have been re-added without my knowledge. I have not been informed of this reinstatement and have not received any notification by ma
Product: Debt collection

This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX on XXXX and XXXX on XXXX. i never signed a lease with the company they are representing and i never lived at the other company either. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to gain access to a loan I took out with River Valley loan. I've tried multiple times to log online to my account including resetting the password and trying from another browser. When I reach out via phone to them they said they reset my login and suggested I try again. I did and again nothing happened. At that time I tried to reset my password, I also tried using my social security number nothing happened and using another browsers. I'm trying to under my loan agreement, including how many payments, how to pay off early and why I'm being paying {$2000.00} for a {$400.00} loan. So when I asked for a copy of my loan agreement they said that they are unable to send me a copy, apparently they only provide you access at the initial loan set-up that is it. 

At the time of my call with them the first gentleman was named XXXX XXXX I spoke to next was XXXX XXXX.
Product: Debt or credit management

XXXX and XXXX i paid Lexington law to repair my credit. My credit was never repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).
Product: Checking or savings account

On XX/XX/year> I received a telephone message advising that they would not allow a transfer of funds ( {$130000.00} ) to purchase a Treasury Bill. The funds in my account were fully liquid ( had cleared ). Every week for the last XXXX  months I have done this without event. I contacted the online savings bank ( Marcus by Goldman Sacks ) and spoke to the most uninformed clerks ( several times on XX/XX/year> ) who advised that " in their discretion they can refuse to transfer funds ''. I have been buying Treasury Bills via this account on at least XXXX prior occasions. Never a problem. In an attempt to speak to an intelligent knowledgeable person regarding this issue, I was stonewalled. I was told by some XXXX that I transferred my funds " too soon ''. The funds had totally cleared and there was not an issue of " uncleared funds. When I asked what " too soon '' meant I was not given an intelligable answer. I am frustrated because this online banking system ( Marcus by Goldman Sacks ) is totally inaccessible to the account holder. I have suffered financially by their actions. I would like CFPB to investigate this issue at once since they are basically forbidding me to transfer MY money as I see fit. I think there is incompetence at best and fraud at worst by Marcus 's conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over XXXX past due.
Product: Checking or savings account

Wells Fargo don't want to accept my phone number to send a verification code because I'm using VoIP number for long time. They also have my email settled up on the WF website, but they state that email is not a valid way to validate my account. Every time I need to solve a problem by phone, it is impossible, and they send me directly to a branch. 
I also have an acc with XXXX and XXXX y they dont have problem to send a code to my number. This matter is only with WF Bank. Its not fare make me go to a branch to solve a simple solution online.
Product: Debt collection

Capital One Bank continues to insist that I owe them money based on no more than billing statements that were mailed to my address with my name and address demanding money owed and no proof of signatures or contractual sign agreement! Just a letter demanding I owed money!