23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

US DEPT ED 3011**** {$41000.00}
Product: Credit card or prepaid card

Someone fraudulently opened a credit card with Genesis FS Card Services on XX/XX/21 in my name, and charged {$4000.00} to the card. I found out on XX/XX/21 by looking through my credit report. The card was opened with the address of our rental property in XXXX Florida ( XXXX XXXX XXXX ). 

I called Genesis FS Card Services today ( XXXX ), and they are starting an investigation.
Product: Debt collection

I sent a debt validation letter to Portfolio Recovery to verify a debt on 2 XXXX XXXX Credit Card Accounts and a XXXX account that they claim I owe. Portfolio Recovery only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX XXXX or XXXX. Portfolio Recovery did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. The letters that have a Portfolio Recovery letterhead all state at the bottom " This communication is from a debt collector but is not an attempt to collect a debt '' Portfolio Recovery is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.
Product: Debt collection

XX/XX/21 Caller was looking for my mother 's information. 
When I called their number back it requests for bank account number and FULL Social Security Number. 
The recording claims to be Jefferson Capitol llc. 

I believe they are scam callers trying to steal people 's information and money. 

They called from XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.
Product: Debt collection

I did ordered 2 pieces of shoe racks from XXXX as a XXXX gift for my XXXXyrs old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, XXXX ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to XXXX balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " XXXX XXXX XXXX' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from XXXX XXXXXXXX to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor XXXX XXXX a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Product: Credit card or prepaid card

HSBC Bank USA has begun charging a fee when you pay your Mastercard bill, on time. 
This was written in small print to begin XX/XX/2018 without any reason given. Though only a dollar ( on my credit card bill ), it could increase without warning. 
I went to the bank, spoke with the banker and the teller. They claimed to know nothing about this. When I phoned, only robot offers given for responses. 
HSBC gives very little interest, even on a {$40000.00} savings. The Mastercard web site mentioned that the bank is responsible for the fee, as the issuer of the card.
Product: Student loan

I received a letter from the Federal Trade Commission regarding Ameritech Financial who I used to consolidate my student loans and start repayment. I am a XXXX student at the University XXXX XXXX  and wanted to get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness and according to the letter, my monthly payments do not go toward paying my student loans. I paid {$300.00} in XX/XX/2017 to initiate the repayment and then paid {$100.00} per month. Now I have to start over again.
Product: Debt collection

While Reviewing my credit report I found a collection I have disputed already from MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX for {$570.00} - I called the number gave my information and was immediately sent to a " Supervisor '' who told me my balance was over {$1000.00}. As I asked question about this collection the individual became increasingly agitated and continued to talk over me. 

Timeline- 2020, visited Doctor XX/XX/2020 settled all accounts at that time. 
- Received Collection notice - - Called Doctor to see what had happened and was told no debt owed. Asked to check if there was a collection- Told no - Contacted collection company and got nowhere in requesting documents of the debt - Received nothing - Contacted collection company told would send documents NOTHING SENT
Product: Checking or savings account

I enrolled in a {$200.00} bonus enrollment offer and have completed all the requirements for the bonus but have not received the bonus.
Product: Debt collection

I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. I would like to get more info about this bill, did n't recognize the company.
Product: Payday loan, title loan, or personal loan

I have nicely been telling them I am struggling financially my daughter is ill and I am not working full time. They continue to call my work after I repeatedly told them I am going to get in trouble. They will text my phone harassing me and telling me they are going to send the collector to my work to pick up the payment. I offered to give them XXXX dollars that's what I had and they said no.
Product: Credit card or prepaid card

Capital one bank is reporting a past due charged off credit account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been short funds in my budget since having to evacuate twice to hotels for mandatory hurricane evacuations in XXXX XXXX Florida. My apartment management company XXXX XXXX offers a split your rent payment service through Flexible Financial Inc. ( dba Flex ). I decided to use the service to create some breathing room in my budget. I authorized Flex to pay my rent of {$1900.00}, broken into two payments of {$1400.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. Flex 's online system showed me these two payment amounts on the screen before I accepted by hitting " Submit. '' Flex charges a monthly {$14.00} membership fee plus one percent of the rent total as a charge processing fee. Rent withdrew {$1700.00} from my checking account on XX/XX/XXXX and will charge me {$510.00} on XX/XX/XXXX. The total withdrawals by flex will amount to {$2200.00}, {$300.00} more than I authorized Flex to pay my apartment management company. When I inquired why they paid {$300.00} more than authorized to XXXX, Flex responded that this was the amount of rent owed provided by XXXX to them. I renewed my lease with XXXX XXXX 3 months ago and agreed to a {$100.00} per month rent increase. My new lease begins XX/XX/XXXX. XXXX has been improperly billing me an extra {$100.00} per month more than my original lease agreement. I contacted XXXX to fix this issue on XX/XX/XXXX. XXXX has been charging my autopay from my checking account for the an $ XXXX overcharge. XXXX still owes me {$300.00} in overcharged fees. 

When I asked Flex for the {$300.00} overcharge to be returned plus their fees they refused. They said I would have to negotiate with the property management company. My primary concern is that I authorized Flex to pay {$1900.00} in total rent to XXXX. XXXX does not have authorization on my checking account to withdraw {$2200.00}, nor did Flex have my authorization for this amount. Flex 's system verified the {$1900.00} withdrawal amount when I submitted the transaction. This is false advertising and improper withdrawal of funds without authorization. I am still waiting for resolution from both Flex and XXXX Residential.
Product: Credit reporting or other personal consumer reports

EXPERIAN AND XXXX are report inaccurate information on my credit report about my XXXX XXXX loan with XXXX # XXXX. I proof that XXXX XXXX agreed to update my credit file however EXPERIAN AND TRANSUION are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the XXXXXXXX XXXX system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
Product: Student loan

I recurve a loan for student aid on XX/XX/22 and was withdrawn from school on XX/XX/22 for unattended classes due to being XXXX now every time I call about my grant and aid refund the school said they are keeping the funds I've asked them to help me understand what I need to do to receive my student aid disbursement.
Product: Debt collection

On XX/XX/XXXX I sent a letter to SLS ( Specialized Loan Service ) to provide information so as to clear an apparently debt they say I owe. I have spoken to XXXX on several occasions and was informed that the information I requested was sent on XX/XX/XXXX and XX/XX/XXXX but as yet ( XX/XX/XXXX ) I have not received any information. According to YELP and even comments on SLS Website indicate that SLS is not responsive to customers request and I beginning to believe this is true. The following is the information I requested from SLS. 

Provide the amount which was assumed from XXXX in XX/XX/XXXX. 
What is my payoff balance as of XX/XX/XXXX? 
What is the daily interest rate on this loan? 
I would like to speak with someone whom I can discuss the amount that is claimed I owe and see if this amount can be reduced. As I have mentioned previously I contacted SLS in XX/XX/XXXX to discuss this loan, which I didn't know I had, and was told there was no record of me nor that I had a loan with SLS. I believe that I should not be libel for any further interest or late fees from that time forward. 

Thank you for your attention in this matter.
Product: Vehicle loan or lease

Subject : Fraudulent Account on My Credit Report Identity Theft Victim Dear CFPB, I am a victim of identity theft. My personal information was stolen, and as a result, a fraudulent account was opened in my name that I have never authorized, registered, or agreed to. 

Here are the fraudulent account details : Creditor Name : WESTLAKE FINANCIAL SERVICES Account Number : XXXX Account Type : Installment ( Auto Loan ) Date Opened : XX/XX/XXXX Balance : {$12000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$570.00} High Credit : {$22000.00} Account Status : Open Payment Status : Current I have never : Authorized or applied for this account Signed any documents or contracts related to it Logged into it or made any payments on it I already submitted disputes to the major credit bureaus. So far, XXXX removed the account, but it still appears on my XXXX and XXXX credit reports. 

I have filed an identity theft report with the FTC. 
FTC Report Number : XXXX
Product: Payday loan

I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX from a used car dealer XXXX XXXX XXXX XXXX XXXX CA 0n XXXX XXXX XXXX and it was financed by Westlake Financial Services.  I added Gap insurance to my account with Westlake at a cost of $ XXXX per month.  The contract was for 72 months and Westlake added the "Gap"  charge to my account balance for the entire contract period at a total of over $XXXX.  I paid the entire contract off on XXXX XXXX XXXX which included the entire cost of the  "Gap" insurance.  Today, XXXX XXXX I requested from Westlake a refund on the advance payment of the insurance which was 70 months at $XXXX per month which totaled $XXXX.   I do not need Gap" insurance if I do not owe anything on the  car to Westlake.  My request for the amount of the overpayment to be refunded was $XXXX.  

The company:   Westlake Financial Services
                          XXXX XXXX XXXX XXXX XXXX, CA XXXX                            Phone:  (XXXX) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against TransUnion, one of the three major credit reporting agencies, for inaccurately reporting the account status of my XXXX  XXXX account ( Account Number : XXXX ) on my credit report. 

Despite my efforts to rectify the situation with TransUnion, they have failed to update my account status and payment information. Specifically, TransUnion is reporting the account as " derogatory '' and has not updated the payment status to " paid account, '' which is incorrect. I have already provided the necessary documentation to TransUnion that supports my claim, yet the inaccurate information remains on my credit report, causing negative effects on my credit score.

As required by the Fair Credit Reporting Act ( FCRA ), I have attempted to resolve this issue directly with TransUnion by submitting a formal dispute letter. However, TransUnion has not adequately addressed my concerns and has not taken the necessary steps to correct the inaccuracies on my credit report. 

Given these circumstances, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion corrects the inaccuracies on my credit report. I kindly ask that you review the documentation provided and take appropriate action to protect my rights as a consumer. 

Please find enclosed copies of my dispute letter to TransUnion and any relevant supporting documentation. I am available to provide any additional information or documentation as needed. 

I appreciate your prompt attention to this matter and trust that your intervention will result in a timely and satisfactory resolution.
Product: Money transfer, virtual currency, or money service

To whom it may concern my name is XXXX XXXX. When applying for unemployment I was given the option to receive direct deposit I checked to have it sent to my own personal account and summited the application. I got approved for unemployment and logged on to my account on unemployment and seen a payment was sent to me in the amount of XXXX on XX/XX/2020 but when I checked my bank account XXXX with Bank of America nothing was there. I checked again the next day to see if any deposits came to my account then I noticed the last 2 digits of my Bank of America account number was wrong. Instead of my account XXXX It had XXXX I contacted Bank of America to let them know what happened and they told me if the account name didnt match the name on the direct deposit it would be rejected. I called unemployment several times to see if the payment was rejected no one was able to help me. I finally went inside Bank of America and explained everything that happened and spoke to a branch manger name XXXX XXXX, she informed me that the wrong account number that my money went to is an active account and the direct deposit did go through to someone elses account she said she can see the direct deposit was made out to me and came from the unemployment office and it was a business account that my money went into. She filed a claim and they notified the person of that account. The person of the account did notice a mistake had been made and agreed to sign and email a ACH authorization form to have the funds sent back to the correct account. It has been 2 months and I still have not received my money. XXXX XXXX the branch manager I spoke to is located at XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX and can be reached at XXXX. I can be reached at XXXX account number XXXX or XXXX XXXX XXXX whos name is also on the account with me. 

I read on channel 9 news XX/XX/2020 same thing happened to a older couple by the names XXXX XXXX and XXXX XXXX who put XXXX in wrong account said it was a nightmare just to get it back from Bank of America after weeks of calling and having to go on XXXX XXXX news got their money back and a extra XXXX for the troubles I think same should happen for me as well. Give me my money back and XXXX extra for my troubles its been 2 months.
Product: Credit card or prepaid card

Dear CFPB, I'm XXXX XXXX XXXX senior citizen. Please note that I've filed a fraud alert case with American Express. Apparently, offshore scammer called my phone and pretended to be a merchant ( employee of airline vendor called Just Fly ). The scammer received my airline ticket booking ID. From that booking ID, he repurchased tickets. That charged my AMEX card three charges on XX/XX/XXXX : XXXX ) {$400.00} XXXX ) {$200.00} and XXXX ) {$910.00}. I NEVER SHARED AMEX CARD INFORMATION NOR DID I APPROVE THESE CHARGES. The scammer was able to rebook airfare without my consent only by using my existing booking ID. 
I filed fraud charges with American Express. As of this writing, I filed at least three fraud charges with American Express on same transaction. But, they keep reverting charges back to me with excuse that I've shared card details with the merchant. I never shared card details nor I authorized these charges. But, American Express fraud protection team is not willing to even consider this. I tried explaining them at least 10 times on the call and through live chat with support. Initially they open fraud case and in few weeks they remove fraud case and revert the charges back to me. 
I'm not sure why they don't understand that I didn't give my card details nor authorized these charges. XXXX scammer was able to charge my AMEX card through airline reservation details. These are fraud charges and they need to be removed from my account. I'm retired and can't afford to pay these charges that weren't made by me! I'm begging CFPB to save me from these fraud charges!
Product: Credit card or prepaid card

I just started a new job. I requested a card for payroll. I did receive one but today when I checked my mail I noticed that my mail had been opened and the card is not attached to the paper like it should be. So someone obviously took it the mail was ripped open and now I have to worry about someone trying to take my identity. I'm appalled right now. I would really appreciate it if someone could please call me and try to figure out what's going on who's doing this. And why it's happening to me.
Product: Credit reporting or other personal consumer reports

XXXX failed to properly investigate and correct inaccurate information on your credit report, violating the Fair Credit Reporting Act ( FCRA ) by including false or misleading details that caused you demonstrable harm, such as denial of credit, employment, or housing due to the error on your report.