23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX treatments/shots/doctors/surgeries ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX Hospital. C & H was no longer handling my account. XXXX took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it XXXX years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
Product: Credit card or prepaid card

I have a prepaid card through CashApp. 

Several unauthorized charges have been attempted and today ( XX/XX/XXXX ) 70 unauthorized charges for {$5.00} were approved through CashApp.

The company told me that I needed to reach out to the merchant in order to dispute the charges until they posted.

I have several bank accounts and never have any issues with fraud. However, CashApp seems to be plagued with fraud and security protection issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
Product: Debt collection

I believe my info was exposed in a data breech and also I told capital one I lost my wallet and someone got a hold to my card and also someone got a hold to my mail from previous homes I lived at
Product: Credit reporting or other personal consumer reports

My account withXX/XX/XXXX was never late! I have had exceptional payment history with XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XX/XX/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan with NFCU that appears on the credit is open, paid, due to pendancy of pre-approved mortgage modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

In XXXX I was given a {$500.00} Visa Gift Card as a XXXX present from my employers. When I first attempted to use it, I was directed to a site where I could check my balance and see what's going on. It showed I had made a transaction to XXXX for the purchase of an item that was not me. I attempted to resolve it with XXXX to see if they can reverse or stop the charge from going through. They said I would need to wait for the card to go through then dispute with Vanilla Visa Gift Card services. I did that. I was assigned a case number. I followed up and received a received a replacement card in XXXX of 2023. At this point it has been 5 months. I received my replacement card and found I can't even activate it. It was saying my date of birth was incorrect. I followed up with Vanilla Visa Card services and they are telling me it is going to take further time to resolve this issue and provided me with a new case number. I don't know what else to do but people need to stop buying these cards, as they make it extremely easy to be scammed and on top of that they make it difficult to access the funds. Please help. Please. I can't imagine how many non profit companies accept gift cards and then aren't able to use them .Do not purchase a Vanilla Visa Gift Card XXXX I will be letting my employer know the trouble it's been and request a different bonus option.
Product: Checking or savings account

Numerous times over the years, Navy Federal has allowed funds to attempt to come out of our account, resulting in many overdraft fees.
Product: Debt collection

I have requested documents and response from this company! I have yet to receive anything!
Product: Money transfer, virtual currency, or money service

XXXX $ has been taken by PNC bank from me on XXXX XX/XX/2018. They also know that I have been a victim of fraud but they aren't helping in any possible way. I am an international student on loan and I have lost everything because of PNC.
Product: Credit reporting or other personal consumer reports

Im begging you plese remove this to the credit report
Product: Checking or savings account

I am conservator of XXXX XXXX estate per the signedloan dated XX/XX/02, I am also trustee to her accounts far before Wells Fargo Wealth Managment and wells Fargo removed a total of XXXX and XXXX disappeared and they will not give me access to these accounts because they are guilty of imbessaling XXXX from a XXXX woman who could not read statements but relied on wells Fargo wealth management to do just that manage he ; f ; wealth without stealing half of i. There are so many accounts one printout shows 14 accounts and 10 active Brokerage, Buisness, 4 open PMA accounts, high yield savings, annuitys, life insurance policy, the trust had XXXX and came back to us at XXXX want forensic acco ; it's. Why would a bank have 11 open accounts for a woman who has lots of money and XXXX. Perfect victim, every notice on the back of statement stating if you don't notice what we stole in 30 days then we assume your ok with it do not apply to the XXXX.
Product: Debt collection

Apex Asset Management LLC sent me a collection letter dated after my account was fully paid and closed. I had paid directly to the hospital rather than to Apex, but called Apex after to notify them that the debt had been fully paid, and they confirmed over the phone that my account was closed on XX/XX/2023. On XX/XX/2023 I received a letter dated XX/XX/2023, attempting to collect the already paid debt. 

The amount of {$94.00} was paid in full on XX/XX/2023, and Apex was informed of this and said they closed the account the same day. The letter sent to me was dated for XX/XX/2023, and the wording of the letter was alarming. The very first line of communication under the letter head was, " Why are you avoiding these debts? '' written in all capitalized letters. Printed beneath this statement was the following : " Your failure to pay these accounts in full may show that you do not intend to pay them voluntarily. Are there circumstances of which we are not aware? 

We need to discuss your resolutions options. We have several options available to assist you in paying your debt. If there are mitigating circumstances, please list them below : '' Beneath this paragraph was a blank line to fill in, with further blank lines indicating to fill in information regarding my workplace location and phone number, and home phone number. 

The implication that I was unwilling to pay and avoiding this debt was mortifying and concerning, and the attached pay slip at the bottom of the letter was a new addition to communications I had received from them until now. I am positive that my debt has been taken care of with the hospital, but the wording of this letter left me feeling shamed and afraid of what they would further do to collect this debt, which I no longer owe.
Product: Checking or savings account

Its second time that it happened that Bank of Texas blocked me from using XXXX AND I had used my account regularly and normally and I did not used my XXXX profile fraudulently and I did not used my XXXX lately or receive any money transaction fraudulently at all and the money I sent are thru friend or family. And found out someone ( Roommate ) stolen my identity and open an bank account and mobile line under my name and registered on XXXX XXXX and received money and now XXXX blocked me on my bank on every XXXX  on my bank saying i violated the user agreement and I had already file a police report about the identity theft
Product: Vehicle loan or lease

I was sent mail from mitsubishi that i had won {$1000.00} dollars. at XXXX on XX/XX/XXXX on the phone, They told if I am came in that they would redeem the ticket. when i got there at XXXX they said that they were no longer honoring it and tricked me into their sales floor. they were rude and inferred it was common practice to use deceptive mailers. 

the mailer even said no gimmicks. 
the phone guy said they would redeem then they acted like i was the XXXX  and said they sent out XXXX winners but only had to pay out XXXX. 

they really were happy at how deceptive it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, care credit, XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from Equifax and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was XXXX days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & TransUnion ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has incorrectly reported a 30 day late payment. During the investigation, Well Fargo reported an audit showed that a login attempt was made on the XXXX day of the month. They also reported that the login was potentially to another Wells Fargo account. This is extremely disturbing to me because I have only have one account with Wells Fargo. 

Upon contacting Wells Fargo, they were missing my personal details ( no phone number or email was in the system ) This is clearly a system issue on Wells Fargo 's end. 

In addition to the the incorrect late payment, I never received my tax documents from 2019. The attached document shows that according to Wells Fargo that I am not the account owner of my own account. 

I was notified by a non Wells Fargo credit service credit notification on XX/XX/2019 that Wells Fargo reported a 30 day late payment. I find that Wells Fargo 's reporting was incorrect and not accurate and that Wells Fargo acted unreasonably during the attempted resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX {$500.00} to fix my credit and no services was done to my credit. I've asked for refund and no refund took place nor fixing my credit
Product: Prepaid card

I had reported that their was a issue with my account with Cashapp and they did not have anyone for me to speak with regarding my dispute I had to go through the app under support. They did not find the dispute to be rewarding I just missed my money and they never provided me with any information in regards to what helped them form this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, On my Equifax credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Equifax credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account # XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021. I mailed out letters to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Product: Money transfer, virtual currency, or money service

PayPal account was compromised XX/XX/XXXX, unauthorized user made 3 purchases to XXXX. Called next morning to open case since unable to report online and case was opened. Saw payment/shipping confirmation and immediately opened duplicate case online on XX/XX/XXXX. Was able to get refunded on those 2 transactions. Waited patiently for 3rd ( payment/shipping confirmation on XXXX ) because email noted a case already existed. However, it seems that the phone call did not cover all transactions as noted and required filing 3rd case online. 

3rd case case was denied. Noted " Consistent with PayPal purchase history ''. Yet I have never purchased from this vendor before, let alone purchase apparel or footware online. The only consistency from prior history was the previous unauthorized transactions from the prior day from the same vendor, on the same items, to the same address. Paypal claim notes " After checking the activity from XXXX XXXX 2021 I can see good log ins from Consistent IP ''. However the issue occured on XX/XX/XXXX and payment was confirmed XXXX when vendor shipped product. PayPal is ignoring the the most relevant point in the case, which is payment authorization date, not payment confirmation date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed and i want a fraud alert placed on my account
Product: Money transfers

On XXXX XXXX, 2016 I went to the Western Union @ XXXX XXXX XXXX XXXX, XXXX, GA XXXX ph # XXXX @ XXXX. The agents name was XXXX XXXX who transferred money he had not reviewed the tape yet, therefore, I called Western Union customer service at XXXX from transaction # XXXX for {$800.00} from XXXX XXXX XXXX in NJ. While I was there a female customer was too close for comfort ; so. I turned around to see what she was doing. XXXX XXXX was counting the money so when I turned back around he gave me the money without doing a recount for its trustworthiness. I left the store and went to XXXX XXXX a few blocks away and came home without buying anything. I counted the money the XXXX XXXX had given me which was {$700.00} short by {$100.00}. I called the store back and made an appointment to review the store 's security tape @ XXXX, but due to a transportation problem I need to go earlier around XXXX. XXXX XXXX said no, but he would call me back at $ XXXX. He called me and said he did not review the tape but, would call me the next. This happened again, but he would never review the tape to clear up the error. After least XXXX calls I ask for his manager 's name which was XXXX @ XXXX. He too has given has put- off since XXXX/XXXX/2016. I called today on XXXX and XXXX and XXXX the agent referred me to their website @ https : //www.westernunion.com/us/en/file-complaint.html # GEORGIA to file a complaint by state. This directed me to the Georgia Dept of Banking and Finance more, which redirected me to CPFB.
Product: Credit card or prepaid card

I had attempted to open an XXXX credit reporting app. There was an account opened in my name at Synchrony Bank for XXXX. I have never applied for a XXXX account. I dont know or understand what XXXX is or what it is used for. I made several attempts to speak with a human at Synchrony and the system would not allow me to because I did not know an account number. However, according to XXXX there is a {$1500.00} credit card or line of credit. I NEVER applied or requested anything from XXXX. I want whatever it is that is in my name and under ss # expunged.
Product: Credit card or prepaid card

Earlier this year, my mom began to receive mail at my home address from persons unknown to her. I also noticed that the mail was addressed to different named individuals using my home address. After a week or so, I asked my special needs daughter whether she had been talking to the individuals online who's names were on the mail received. She stated that she had gone online ( in chat rooms ) and met persons that were supposedly helping her to get a job. She also indicated that she had provided her home address, but not shared her SSN with anyone. When my mom e-filed her 2021 tax return, she received an email from the IRS indicating that her return was rejected because the dependent XXXX ( had already been used ). After further investigation, it was discovered that my XXXX had been compromised.