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

XX/XX/XXXX sent cashiers check to the bank in the amount of {$1400.00} to pay the balance off. The balance later showed a zero balance. On XX/XX/XXXX I received an email stating I owed this amount. XX/XX/XXXX I then submitted a payment disbute and faxed proof of the cashed check as the company 's name was on the bottom of the check showing it was processed. XX/XX/XXXX I received a notice stating that the credit amount of {$28.00} was applied to my account. XX/XX/XXXX I received another notice stating a credit of {$1400.00} was applied to my account dated XX/XX/XXXX. XX/XX/XXXX received another notice stating their records indicate that the payment in question was applied to my account on XX/XX/XXXX in the amount of {$1400.00} as of XX/XX/XXXX the balance is $ XXXX I received a notice stating the payment in the amount of {$1400.00} was applied to my account of XX/XX/XXXX. I have now received an email stating the balance I owe is {$1400.00} with the monthly payment due of {$41.00} on XX/XX/XXXX. This balance was paid in full and this needs to be credited to my account.
Product: Debt collection

Company keeps sending letters as if I owe them money when this account has been charged off by XXXX XXXX the original creditor. They have failed to show a wet signature of mine and how they obtained my personal information. i did not authorize XXXX XXXX to sell my information to any one. This is now against the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Product: Money transfer, virtual currency, or money service

I open an account with Bank of America on Friday XX/XX/XXXX they put two holds on my deposit. I was told that if I open a Mobile account that I would have a virtual card and I would have access to my funds as they came available. This has been a complete untruth I have not been able to get a virtual card I've had to go to the bank several times they did not ask me for any ID when I put almost {$10000.00} in their bank but I've had to take my ID up there to prove my identity I've done this I've been having to use XXXX to transfer money so people can put money on my cashapp card just so I can at least use some of my funds now they have conveniently put another hold that could last up to XXXX hours on a fraudulent looking transfer from XXXX I'm tired of this how can a bank take your money and not give you access to it and constantly find reasons to put holds on it? I want to close my account immediately. I should have never trusted Bank of America. I would have been better off dealing with cash app at least I would have access to my funds. BOA ruined me being able to get a car yesterday I've been humiliated I've been in tears the whole time this is the worst experience in my life and I'm dreading going in that bank tomorrow to have to close my account because I know Bank of America is going to tell me that I can't close my account because they're not going to let me because that's obviously in their minds their money I'm disgusted and I'm tired of this I want my money return to me I want them to stop being able to put holds on my account and I want them to justify the stress they put me under. Customer line is useless because every time you call all they say is we can't help you with that we are so sorry ma'am but what else can we do for you today? Really because you did nothing for me except mislead me have me waste my time trying to send a wire telling me that these different ways we're going assist me in to being able to have access to my funds. I just can not believe how much I've been lied to and mislead and all I get is we can't help you we're so sorry you just can't have your money and that's that. That is the complete attitude I get is it oh well too bad I guess it's Bank of America 's money until they decide they'll take mercy on me I waited XXXX years to get this settlement and it's been a complete disaster thanks to Bank of America and all of their lives and all of their deception of what an online account really pertain to you don't get a card and your car 's not activated until you get your hard copy card and guess what that can take anywhere from XXXX to XXXX business days but in the meantime they tell you this great lie about how you can get a virtual card I want this rectified and I'm getting nowhere think of XXXX and it's not the first time they've come under scrutiny so I should have learned my lesson when I had an account with them for 20 years.
Product: Student loan

All my loans have been paid off not charged off they were paid in full by another company I got a loan from to pay the loans off and they were not sent to a collection or charged off but this is why they keep reporting on my repost and actually since COVID began resident said they were not to report negatively till XXXX and every month they have been reposting to my credit negative this is wrong
Product: Debt collection

Attorney never viewed the files for any accuracy McM account # XXXX Balence XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints and I'm including it again. 
XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Debt collection

I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
Product: Credit card or prepaid card

Owed a dollar to banter credit the month before this it was XXXX. Paid the XXXX dollars and got another bill for XXXX. Assuming bill was paid. Got somehow XXXX balance??????? Called and said that something is wrong that I paid card off. She said I owed a dollar somehow, and charged me a late fee. To resolve it without an argument I just told her to take the XXXX dollar charge for being late that she requested along with the dollar that they claimed I owed. Gave her my card number over the phone. Next month and harassing calls Im told that it was never paid. The charges are up to XXXX so far. I told them this was resolved per telephone and paid in full. That I dont owe them anything.
Product: Credit reporting or other personal consumer reports

I have submitted to all both Experian and XXXX my notarized payoff letter and title from XXXX proving my account can not be in charge off status and to remove immediately. XXXX  months later I just keep getting the run around. XXXX has complied and removed the account. At this point both Experian and XXXX are in violation of numerous section of US Code 15. I just ask that the credit reports update accurately.
Product: Checking or savings account

I spoke with a customer service rep that I had a check from my finance company and how long would the hold be and the rep stated if its with a company its a one business day hold a personal is seven business day hold. Once I wade the deposit I was told it's a seven day hold on the check. All these reps always give false information regarding people money!
Product: Credit reporting or other personal consumer reports

Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Mortgage

I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DovenMuehXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 in the amount of {$1300.00}, has violated my rights. 

15USC 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 under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am in collections over two different fraudulent charges I did not make. 
I have a charge from XXXX which is in collections at XXXX XXXX over an XXXX XXXX  for {$120.00}. 
I have a charge from XXXX which is in collections for {$260.00}. 

Regarding the XXXX XXXX XXXX XXXX I have made over 30+ attempts via phone to both companies to remove this charge from my name due to it being fraudulent. I was notified of this charge in XXXX via phone from XXXX XXXX, and I have been trying to fight it ever since. I have done multiple 3 way calls between myself, XXXX and XXXX XXXX. It has pretty much not gotten anywhere, and its mainly because XXXX XXXX  wont do their part. XXXX has already realized I did not make the charge for the XXXX XXXX, so they removed it from my account and placed it on the correct persons account months ago. But because XXXX sent me to collections, they stated they needed XXXX XXXX to remove my name from collections by sending the charge back to XXXX, so that XXXX can send XXXX XXXX back the correct person to put in collections. XXXX XXXX never allows me to speak to a XXXX or supervisor when I ask, but on XX/XX/XXXX when I did another XXXX way call with both companies and myself, they stated the XXXX XXXX XXXX ( XXXX XXXX ) would be doing what XXXX asked and sending the collection back to them. I followed up with XXXX on XX/XX/XXXX to find out if XXXX XXXX did their part, and they stated XXXX XXXX has still not removed my name and sent it back to XXXX. I attempted to reach out to XXXX XXXX again on XX/XX/XXXX, but the number I have been speaking to them on is now out of service. The contact information that XXXX XXXX has on file is not any of my correct information, it is someone elses, the only piece of information they have linking myself to the fraudulent charge is my name. The address, phone number, and email they have on file for me is not correct. I have never used the phone number, email address or home address they have associated with my name. 

Regarding the XXXX charge, I have contacted XXXX and they required me to fill out a fraud form since I did not make the purchase but I am in collections over it, I have not received anything back from them. I have been trying to deal with both of these fraudulent charges, but have been trying harder to remove the XXXX XXXX  charge since I found out about that first. I did not even receive any information about the XXXX charge, the only reason I found out about that one was when I called the credit bureau over the XXXX  charge, and the credit bureau stated they seen the XXXX charge too. So both of these fraudulent charges were not associated with my email address, phone number, or home address. The only thing linking me to both of these fraudulent charges is my name. 

Neither of these purchases were made on any of my credit cards or debit cards. Neither of these purchases used any of my contact information besides my name. The purchases are not linked to my home address, phone number, or email. Anyone can use my name to make a purchase.
Product: Debt collection

My dispute is addressing the Contract Callers INC in the amount of {$3700.00}. This account was sent for collection by XXXX XXXX XXXX XXXX for an account in XXXX, Ohio. This debt was created without my consent by a deceased family member, either before I was the age of XXXX or without my consent due to the fact that I have never been the renter or owner of a property.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I received an order of service process of garnishment on XX/XX/XXXX for a loan dated XX/XX/XXXX. The company is credit acceptance corporation through an attorney XXXX XXXX XXXX XXXX. I never received anything to come to court or dispute it. I have lived at the same address since XX/XX/XXXX. Actually, the car was repossessed. The amount that stating I owe {$11000.00}. I can't even remember the type of vehicle it was or the amount since it has been many years.
Product: Debt collection

We have a loan with One Main Financial that is partially secured by a vehicle that we own. Recently, we experienced a bit of financial hardship and fell about a month behind. We received several calls and a few letters from the creditor. I finally spoke to XXXX at the OMF branch that is closest to us and scheduled an appointment to refinance the loan. She said she 'd call me before the appointment to confirm but she never called. The following week someone from the company contacted my brother, a reference listed on our loan, and told him that they were going to repossess the vehicle if I did not pay on the account. We scheduled another meeting with XXXX and went in to discuss the loan and what happened regarding the contact with my brother. She said that they determined that the person who made this call was terminated as they found that she had done several other things that were not permitted. At this point, XXXX said that they could remove our vehicle from the loan as collateral and refinance the loan without it. We told her that we wanted to confer with an attorney regarding our rights surrounding the violation of the FDCPA. The attorney suggested that we go ahead and refinance the loan with OMF since they were willing to remove the vehicle as collateral. I contactded XXXX again to advise of the findings from our meeting with the attorney and she advised me that they would not be removing the vehicle from the loan and could only refinance the loan with the vehicle still listed as collateral. I have a recording of our full discussion where XXXX said they would remove the vehicle as collateral as well as the conversation about the employee who was terminated for the violations that were discovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The  Company,  TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  TransWord Systems  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  TransWorld,  the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
Product: Credit card

I took out an original loan from Care Credit through Synchrony Bank for my son 's dental work. It was less than {$2000.00} loan I believe. The company took out auto payments for 2 years. Recently, I noted that I was still paying and my balance was not going down. When I investigated on their website, I realized that I had a No Interest " special '' that ran for the first 24 months which I am sure was in my original agreement so I am not disputing that. What I am disputing is the notification as that period was about to expire which I do not recall receiving anything about- via email or regular mail. The interest essentially more than doubled the balance ( > {$1400.00} when balance was {$1300.00} ). I called today to ask about it because I honestly had not recalled that was part of the deal when I signed up 2 years prior and had not received any timely notification when it was about to end. I asked if I could make any arrangements to have that interest reduced if I paid the loan off entirely? The rep said that was not an option. The interest was there and there was nothing I could do but pay it off. Although, again I fully acknowledge that it I am sure said something about this when I first signed up ( through the dentist when my son was needing the dental work ), I feel as if this is gouging the consumer and doing so intentionally with no timely communication reminding you that the interest was going to double the loan and it was going to now take 13 years to pay off a {$2500.00} loan. That is taking advantage of consumers.
Product: Debt collection

First a gentleman called saying he was a lawyer on behalf of the company and that i was in default with loan i said i already reached out to them and let them know im going through a rough patch was in the hospital lost my job just started working back, he said he wanted me to pay him on XX/XX/XXXX. I called speedy cash they said to report because this email is not coming from them. The number he calls from is XXXX or XXXX XXXX he says his name is XXXX XXXX XXXX Please see email below : Arrest Warrant XXXX XXXX XXXX SPEEDY CASH XXXX Fri, XX/XX/XXXX, XXXX AM ( 3 days ago ) to me We are talking about the creditor XXXX XXXX XXXX XXXX XXXX XXXX, is a parent company which owns and operates more than XXXX parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PAYDAY LOANS, SPEEDY CASH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/22 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 
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 a account without my written instructions.