23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from Credit Acceptance. According to court records in the City of XXXX, Ohio, the balance is {$3200.00} and payments were made by the responsible party ( XXXX XXXX ) through her employer monthly from XX/XX/2020 XXXX XX/XX/2020. Please see attached document. The court records are public knowledge and can be found at the website below, by searching for my name : XXXX XXXX   XXXX
Product: Mortgage

I previously complained and you closed the complaint as the company ( Mr Cooper ) responded. However I was not satisfied with their response as they did not solve the problem and have not done what they promised to do - refund my overdraft costs caused by them taking an unauthorised payment ). 
The company appears to still be making excuses and their facts are not correct. They only advised me of their email address after me asking for it twice - they did not volunteer the information easily. It is a very long response but I don't agree that their intro letter was clear about the autopayment - it did not state exactly what they have said. Also, the point about the payment being short appears to be another excuse - the escrow payment was significantly increased from last year and this was not clearly communicated in the changeover. I have sent the bank statements as proof of costs incurred and hope that Mr Cooper will honor their promise to refund these charges.
Product: Credit card or prepaid card

I applied for this card from a solicited contact from the company saying I was approved. I was approved for a {$700.00} credit limit and was aware of the interest rate when I applied. When looking at the terms, I always scan for the the fees and percentages. With nothing out of the ordinary, I completed the application. I used the card on several occasions and logged on to see my balance and was shocked to see a $ 175 yearly fee added. So my {$700.00} credit limit just became a {$520.00} limit. I contacted the card company and spoke with XXXX # XXXX and was advised that a fee amount was not provided but did say a yearly fee would be applied. Even after being approved for the {$700.00}, I was never told that the fee would be 25 % or {$170.00} or given the right of refusal. XXXX said the fee is determined later after the application. I didnt know until I looked at my account what that fee was. XXXX offered no compromises or rationale as to why I wasnt given the right to stop the application process when a fee was determined. They knew that they were going to be charging the max of 25 % but also they also know that the majority of people would not accept this offer if being up front and honest.
Product: Debt collection

It has come to my attention that Vance & Huffman recovered a payment for a debt that I never owed.Vance & Huffman reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If Vance & Huffman had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Vance & Huffman collected. Vance & Huffman had no legal right to attempt to collect a debt as I never authorizedan account with XXXX XXXX. Vance & Huffman never validated this debt nor sent me a notice of collection. I have learned that Vance & huffman is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported
Product: Credit reporting or other personal consumer reports

That XXXX XXXX XXXX account needs to be removed from my credit report I'm not waiting until XX/XX/year>. I'm still shocked of how the way your company is hold this account over my head. Do you think I was happy that I lost my job During COVID-19 crisis. I've also contacted the Virginia Attorney General as well about this matter your company is impacting my way of life physically and emotional.
Product: Credit card or prepaid card

In XXXX XXXX my credit card was used without my permission, I notified the bank in a time manner but the Bank failed to investigate appropriately my case and at the end they denied my case without providing a good reason for the denial. 
Bank ended reporting this balance to credit bureaus and late payments as well and I was not informed that I have to keep making payments for a balance resulted in purchases that I never approved. 
Transactions information : {$360.00} XXXX XXXX ( XXXX ) {$42.00} XXXX XXXX Georgia Wells Fargo applied fees and interests to those transactions in the mean time that I was waiting for them to complete the investigation. 

I been trying to resolve this situation from almost a year ago and I dont have any positive outcome, I had to pay the money with all the fees and interest applied by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORTING ( 3 ) BANKRUPTIES I NEVER FILE EXPERIAN REPORT # XXXX I requsting that investigation be done with Experian. Experian is report three bankruptcy that I did not file. See Bankrupties below are not mind. I only filed three bankrupties, the other three bureaus XXXX, and XXXX  have removed this three bankrupties. These bankrupties should not be reporting to Experian. 
( 1 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 2 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 3 )  Bankruptcy Chapter XXXXd Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquires i have no knowledge of here are the inquires that i've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well
Product: Mortgage

I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. 

Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. 

This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.
Product: Debt collection

I am writing to file a formal complaint against RESURGENT RECEIVABLES LLC for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 
The account in question was opened on XX/XX/year>, and RESURGENT RECEIVABLES LLC is currently attempting to collect a debt. I have not signed any contract or agreement with XXXX XXXX XXXX or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX  is required to provide me with validation of the debt, which should include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement of my rights under the FDCPA, including the right to dispute the debt.

I have not received this information. Furthermore, as this is a debt that XXXX XXXX XXXX claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.
Product: Credit card

XXXX has been harrassing me for payment of a transaction that they made a mistake on months ago. After checking my bank records, I was willing to pay the amount. However, the confusion during this time for that amount to be overlooked was due to some fraudulent charges on my account they were investigating and has switched me to another card. They concluded their investigation and credited me those charges. But then they claimed that this particular amount was still outstanding and started to charge me late fees for it. I have made about XXXX lengthy call to them to finally track down how this amount was missed by them and differentiated from the fraudulent charges that was settled. Although I am willing to pay the actual true amount of the transaction I made and that they made a mistake and missed, they want to add late fees to it. I was only made aware of the transaction and differentiated from the fraudulent charges a couple of weeks ago. Calling and talking to the customer representative and even their escalations supervisor is not bring any results. I need someone to investigate XXXX credit card for their incompetence and harassing me on a daily basis with multiple calls. Thank you.
Product: Debt collection

I have been going back-and-forth with this company for quite some time now. I have checked back in my email and located the email with the final ledger statement. Please find attached. The most that I am willing to pay is {$110.00} which was requested on the final statement. These additional charges came way after the final statement was sent out. Per my lawyer ; once a final statement has been received from the Property Manager. This is the final statement. Per the email sent from the Property Manager breaking down the charges at the time. The only thing required from me was {$110.00}. Sometime down the line they re-updated my ledger to reflect {$1600.00} now they are on my credit stating that this is what I owed however, now I have the proof in the pudding with the email and the final ledger that was sent from the Property Manager. My rent for XXXX had already been prorated per the Manager email.
Product: Debt collection

I received an email XXXX that I was being billed XXXX from a PayPal account a product of XXXX XXXX. I called them at XXXX and the man named XXXX told me someone in XXXX hacked my account. He wanted me to open my browser on my computer which I refused to do, He then stated I can't help you and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report from Bank of America on XX/XX/2023. I did not apply for any form of credit with this company. At that time. Ive already called the company to report it. They advised me to also report with FTC and to the XXXX credit bureau in which it was reported to.
Product: Credit reporting or other personal consumer reports

There are a few Hard Inquires on my account that I would like to dispute. I do not recall ever applying for these credit lines. I believe these are fraudulent transactions please be advise. The subject hard inquires are as follows : XXXX. XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX - XX/XX/2023 XXXX. Xactus, LLC - XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX, XXXX - XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 Please instruct me on how to handle this matter.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX I deposited around {$1200.00} into a Bank of America ATM ID # XXXX. The ATM glitched out and only credited me for {$300.00}, saying the remainder amount I would need to call and open a claim with the bank. I opened a claim for {$1000.00} and the person on the phone told me even though its over the remaining amount I originally thought, that theyd be able to find and allocate the money for me no problem. The credited my account for {$1000.00} and within a few weeks I received a letter stating the claim will be closed and the {$1000.00} will be debited from my account because they were not able to locate that amount of money. So I took all of my money out of that checking account and closed my account and said goodbye to them. They then re opened my account without my permission and took out the {$1000.00} leaving me with a negative bank balance. I spent much time calling claims over and over, they now told me they found a lump some of money in that ATM, but it was lower than that amount so therefore they cant tell me how much they found and that is why the claim was closed. I was told to re open the case for less than the amount I originally put. They had me hand write a letter to fax in, was given the wrong fax number, then had to go through the process AGAIN of writing a hand written letter to then the correct fax #. I was told they were not accepting my claim because supposedly the amount of money I put was STILL not completely accurate, therefore they couldnt tell me how much they found and therefore they would not accept my claim. I was told many times that they found overcharge in that ATM, but were not willing to help me as a valued customer of over 10 years. Now Im receiving notice that my negative account will be closed by XX/XX/XXXX and reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX  XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to XXXX XXXX XXXX, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then XXXX XXXX XXXX - Privacy of XXXX XXXX XXXX, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what XXXX XXXX XXXX section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to XXXX XXXX XXXX XXXX XXXX XXXX '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

They git my information all wrong.
Product: Credit card or prepaid card

After checking my credit report around XX/XX/XXXX, I found multiple fraudulent credit cards opened in my name, which Capital One was one. I immediately contacted them and was told that they will close the account and start an investigation. After waiting about 2 months they did not mail me anything and I have still not received any correspondence from them since XX/XX/XXXX. 
I then was told to file a FTC Identity Theft report, which I did and mailed them a letter and a copy of the report and the FCRA Notice to Furnishers of Information on XX/XX/XXXX. Capital One did receive the mail on XX/XX/XXXX as I sent it USPS Certified Mail, a copy will be attached here. I have still not received any documentation or anything from Capital One Bank and they are still reporting a negative fraudulent account on my credit report with a balance of {$480.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle multiple times and reporting numerous discrepancies, my bank and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. On XX/XX/year> I sent {$150.00} to a retailer that ended up being fraud. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.
Product: Debt collection

Portfolio Recovery has violated the cease and desist notice sent to them On XX/XX/2021 by I. Portfolio Recovery has sent me letters during this 30 day investigation period after asking them to NOT communicate with me. Portfolio Recovery has also been sent a notice of default XXXX XX/XX/XXXX, XXXX and signed upon delivery, I have attached notice of delivery and cease and desist letter to this complaint.
Product: Debt or credit management

I received a certificate or service from the court indicating I was served by process server # XXXX, XXXX XXXX, on XXXX. The description does not match mine and was never served at the address listed. He described the person as XXXX ( XXXX lbs ) with a XXXX XXXX XXXX and XXXX and have never had a XXXX This guy lied about serving me and signed the paper declaring under penalty and perjury. This went through the whole court system without my knowing about it. When I called Midland Credit and spoke to the person handling my case, she replied, It doesnt matter if it wasnt you ; we still got judgment..
Product: Debt collection

My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX
Product: Checking or savings account

I am a severly XXXX, formerly homeless unemployed veteran with no money and no assets. I had XXXX $ in my account which my widowed XXXX year old mother gave me to eat and wells fargo bank stole it, YES STOLE IT, out of my account without notifcation, THE WEEK ENDING XX/XX/2018. I have not been able to eat or supply myself basic needs becuase of this in over a week. 
I CONTACTED THE WELLS FARGO AND THEY TOLD ME TO GO TO XXXX. THIS IS HOW THIS DIRTY EVIL CORPORATION, WITH BILLIONS OF LAWSUITS AND GOVERNMENT SANCTIONS AGAINST IT, TREATS OUR NATIONS VETERANS!! I DEMAND MY XXXX $ BACK NOW!!
Product: Debt collection

on XX/XX/2019, I received a letter from the convergent collection in it was stated I owed them money, I replied within 30 days I did not owe them anything via certified mail, now I have received another letter and more phone calls that I do owe this debt ; As a result of their behavior, I have suffered emotional distress ; mental anguish. For God sake, I am XXXX years old XXXX   man this constant harassment from these people is going to send me to straight to my grave.