23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives. 

As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees. 

I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.
Product: Debt collection

I am contacting you because I am receiving a debt letter from a company I do n't know or owe money to. I google the number on the notice and it comes up scam. The letter is from XXXX XXXX XXXX in XXXX, WA XXXX phone number XXXX. I never had service from XXXX. It says I owe {$1200.00}.
Product: Debt collection

While I was in college I had to take vaccination for XXXX school and used my insurance to cover the charge of it. At the time I made sure that the charge which was around XXXX {$100.00} to be send out to the insurance company. Vaccination and doctors visit were included in my insurance without deductions or payments and that was a reason why I received the vaccination. The health care provider validated my insurance card before providing any services. Thats how I received service at the first place. How can anyone buy a drink with paying for it? 

After seeing this derogatory {$500.00} in my credit score, I tried to call the collection agency as well as the health agencys phone number but they couldnt find me in their system. Why is it apparently for anyone to claim and affect my credit score with out having a reasonable cause. I even reported it as a fraud to the credit score companies and Still no solutions.
Product: Credit card

I purchased a product through Ebay some time in XXXX of 2015. At the time from what I could tell I paid with Paypal. I called paypal a couple of weeks later to mention that I did not see the charge on my account. They said that they could not see it either, I called 5 times to confirm and they continued to tell me that there was no charge but I received the merchandise. It turns out the charge went to billmelater which is now called paypal credit. I was never told of this change. It kept getting notices from paypal that the bill was late but when I logged on the account was fine, no late charge. I think sometime before I made the purchase I remember calling a number that was shown on ebay to extend the period of the credit line. This phone number later I found out was billmelater or paypal credit, I had completely forgotten about the call because that is what paypal credit used to call me, in not so many words, a liar. They waited to the six months expired to charge me for the interest on the purchase and to contact me. Never mind that I called paypal several times and my account is practically in zero balance. No they said there is not they could do, they closed the account and told that if I wanted to pay I need to contact them every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by Convergent Outsourcing, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. The account convergent outsourcing account number XXXX needs to be removed immediately I did not give consent or permission to furnish this alleged debt on my consumer report! I have attachment a cease and desists letter made out to the parties involved and everything in that letter should be followed pursuant to federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Product: Checking or savings account

XX/XX/2024 {$400.00} and XX/XX/2024 {$300.00} both amounts were withdrawn from ATMs while I was in a XXXX XXXX I was waiting on the debit card from Chime bank to come in the mail to where I was living temporarily. I never received the card. I reported the card stolen the day I got out of the XXXX XXXX after seeing the two withdraws. I had made a dispute and a Rebuttal 5 times and they keep telling me that I will get my money back, but I continue to get denied by their so called investigation team that they can't call or talk to. I have spoken to a supervisor as well, they also guaranteed my money would be given back to me. I also sent them police documentation 3 times. Showing fraud/ embezzlement.
Product: Debt collection

I've been receiving robo calls from a " XXXX and XXXX XXXX '' through a phone number that many have noted to be a spam caller ( XXXX ) about my discover card debt. 
They ask for the wrong minimum payment amount and whether or not I want to pay over the phone. When I say I've already paid they claim to have noted it down. I've also never missed a payment. 
I've asked to be taken off the calling list, but they just changed the number to end in XXXX instead. They call about XXXX times a week. 
I'm absolutely certain this is a scam caller impersonating a debt collection agency.
Product: Credit card

I had a Best Buy credit card that works with Citibank. After a while I realized that they charge a very high interest and a lot of fees on top of that, and decided to pay it off and never use it again. On the XXXX of XXXX I paid off the total amount of {$2300.00} and having a total amount to pay of {$0.00}!!! At that time I didnt know better than to cut off in small pieces and throw away my card since I wasnt going to use it again. 
One morning in XXXX I received an email saying that I have to pay my minimum amount due, and when I went online I found that I have a balance of {$170.00} to pay. Of course I was confused with this situation so I gave Citibank a call to find out what happened. They said that there was a chargeback of {$85.00} and with the fees and purchases it went up to {$170.00}, and refused to do anything about it. I must say that my bank does not show a charge back of {$85.00}, the money was paid and never came back to my XXXX  XXXX XXXX account. 
When I checked the statements again it was shown that there is a purchase of {$81.00} that I NEVER used, since I threw away my card. 
I will attach the statements described above. 
Please contact me for additional information. 
I refuse to pay this amount to the bank, these are invented numbers that I dont have knowledge of.
Product: Credit reporting

I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX
Product: Debt collection

My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting information for XXXX XXXX XXXX  and I have never lived there. I do not know who they are in fact. When I have called and left several messages there is only an automatic voicemail and no one returns your call at XXXX XXXX. I have my own place and have not lived in apartments since XXXX. 

Please order them to remove this inaccurate information immediately or show proof that it is a valid debt that I owe. I think this is AI.
Product: Credit card or prepaid card

The dispute is with Target Corp. headquartered in Minnesota. They are reporting two 30 day late payments on all three of the credit agencies. I have 3 issues with my interaction with them. 1 ) 1.5 years ago,
I sent a letter explaining what happened with those late 30 day payments. The issue originally stemmed from the fact that at the Target store in XXXX XXXX, I was told I needed to renew my card and I later found out I was issued a new separate credit card. That was not my intention and the cashier misled me, probably in order to receive some type of commission. The second issue was at the same time, Target was switching over to chip reader on my original card. At this time, I had 3 credit cards and did n't know which one actually worked or was useable. The 3rd issue was at the same time, my wife had a XXXX issue that demanded medical attention. Since she handles the bills, the payment was late but she still would not have known which bill to pay as at the time I had 3 credit cards. After sending a letter, I never received a response from Target ... ... .not even to this day. 2 ) 3 months after I initially sent a Ietter and not receiving a response from Target, I later called and spoke to someone in credit reporting. I went through all the reasons as to why it should be removed and 45 days later I received a response saying the credit reporting was correct. My dispute was not that it was incorrect but several things occurred, most of which is Target 's fault, that caused me to be late both times.
Product: Checking or savings account

This week I was supposed to receive my direct deposit on Wednesday, XX/XX/XXXX. Myself and thousands of others have not received these funds more than 48 hours later we are given no transparency with the company and have no real time of when our money will be returned.
Product: Mortgage

The interest on my loan was extremely high. I can not tell if they put a down payment on my deposit and everyone that was involved in my loan was fired. I just thought that was kind of odd. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting!

I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported an account to cfbp XXXX XXXX the company was charging me fraudulent anual fees, credit card fees, and late payments on a closed account .I filed a complaint and XXXX XXXX send me a letter stating they were to remove all late payments and charges to this account, Experian failed to comply to the letter and still continues to report after numerous disputes. They need to comply to the letter and remove all late payments to this account or I will sue them for continuing to damage my credit profile
Product: Mortgage

My mortgage is with Citizens One. I submitted a loan modification application in XX/XX/XXXX. I was initially advised to allow 45-60 business days for processing. I called each month to check the status of my application. Each time I was advised that my request was still pending review/decision with an underwriter. However, today ( XX/XX/XXXX ), I called Citizens and was advised by my lender that I was denied on XX/XX/XXXX. To date I have not received any written correspondence regarding this, nor has anyone contacted me to inform me of this status change for my application. I was told to reapply and see what other options are available. I feel so uneasy about this because I was not aware for over a month that I was denied. Had I known this sooner, I would have been exploring other options for my home. I am resubmitting another application today, hoping that my lender does not repeat this lack of communication issue with me again. I'm doing everything within my power to be positive about this and I'm really relying on my faith in God to help my family and I keep our home. I'd also like to go on record and advise that I called on XX/XX/XXXX and scheduled a payment with an agent. That representative used the wrong payment method & account number when she completed my request. 

On XX/XX/XXXX, a manager with Citizens One named XXXX confirmed that she listened to the call and there was an error on behalf of the agent. In turn, this caused my bank to charge me two insufficient funds fees. I was told that the fees would be refunded but they never were.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on XXXX, Transunion, and XXXX. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. XXXX and transunion BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and XXXX, transunion, and XXXX need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged in to TransUnion, and the others, to check my credit and filed some disputes. I have a screenshot of my score with TU when I log in : XXXX. The next day, I had a friend pull my credit for a home loan application. TU is reporting my score to them as XXXX. I have a screen shot. Checked it more than once to make sure it wasn't a glitch. Still the same. I'm pretty sure that's illegal.
Product: Vehicle loan or lease

I bought a XXXX  from a 3rd party dealership on XX/XX/XXXX and XXXX  refuses to transfer the ownership to me. I bought the car XXXX hours from where I live in XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The car isnt about to be used at XXXX  charging locations. Nor is it able to be moved. Its been parked at a mall parking lot in XXXXXXXX XXXX since XX/XX/XXXX. Ive contacted XXXX, the dealership, and the previous owners lien holding company ( XXXX  made me call them ). All for them to still not resolve the issue.
Product: Prepaid card

This is a AMEX ( American Express ) gift card, {$500.00}. Available balance of {$350.00} XX/XX/XXXX- Ordered a chair off XXXX as my first purchase after activating the card. XXXX issue, payment went through and chair was delivered. 

XX/XX/XXXX - Attempted to purchase XXXXXXXX XXXX XXXXXXXX and the card was denied twice, could not complete purchase. Thought it was a fluke so didnt think anything of it. 

XX/XX/XXXX - Attempted to purchase the same XXXXXXXX XXXX XXXX instead and the payment was declined once again. Had no issues with XXXX before and now it will not accept. Tried twice. 

XX/XX/XXXX - Attempted to purchase a XXXX XXXX XXXX XXXX XXXX  I have purchased from before. Card was declined immediately. Tried twice and still no success but instead there is now a {$0.00} pending charge for both attempts being held. 

Have no attempted to contact the company due to NUMEROUS complaints from hundreds of people not getting a resolution by contacting their support. Instead they were able to get answers through this route and I would rather not have to go through the ordeal with them.
Product: Debt collection

CREDIT ACCEPTANCE IS DAMAGING MY CREDIT REPORT THEY ARE CONTINUOUSLY REPORTING INCORRECT AMOUNTS THAT I DO NOT OWE CAUSING LATE PAYMENTS AND DAMAGING MY CREDIT PLEASE MAKE THEM STOP THEY ARE REPORTING INCORRECT FALSE INFORMATION. I CANT RECEIVE HOUSING BECAUSE OF IT WE ARE IN COVID-19 AND THEY ARE DAMAGING MY CREDIT REPORT I CANT RECEIVE HOUSING BECAUSE OF IT. THANK YOU
Product: Debt collection

I have been receiving calls and messages about a debt that I do not believe is accurate. I have asked numerous times for proof that the debt is mine or any history regarding the debt. 

I have been met with threats to sue. 

I have called them and spoke about this asking for information regarding the debt and was bullied into just " making a payment now to avoid going to court. '' I just want to make sure that I am not being scammed.
Product: Debt collection

I assume the calls are coming for a collection company overseas. When they initially contacted me it was during hours I was working and I asked them to send me something in writing and after that they continued to call me the same day after I had identified myself. I will speak with an agent and after hanging up they will flood my phone with calls after calls all day long and when I pick up there will be dead air. This is annoying and harassing because I am not avoiding them. The agents refused to hear me out I have asked them to stop calling me and even blocked their number and they contacted me from a different numbers. Today I decided to speak with someone and try this again. The guy kept talking over me wouldn't let me explain to him why I hadn't responded which was because I had moved and I hadn't gotten the letters but he kept cutting me off and started getting very agitated asking me do I intend to rectify this debt I have had long enough.. I tried to ask him what address he had but he continued to talk over me wouldn't verify the address they had on file for me. I told him I won't continue this call he is being rude and to not call my phone again or I will report him to the XXXX he said go right ahead and I ended the call. Because I realize that I possibly do owe this debt I called the company back and got someone else who also became with defensive and talked over me. I asked her to email me the bill and within 1 hour got another call from the company and it was just dead air. I feel like they can't understand me when I am talking, that maybe they have been trained to be aggressive. I don't want to deal or give money to anyone that treats me that way I would rather deal with the hospital. At the time I went I was in a financial crisis but situations are better now.