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

Complaint XXXX XXXX to me 55 minutes agoDetailsXX/XX/XXXXXXXX XXXX XXXX We purchased the XXXX water refiner and reverse osmosis system for our home onXX/XX/XXXX, from XXXX XXXX XXXX. We started having problems with the pipe connections outside where the system was installed, causing water leakage that was going under our home. We contacted XXXX, who sold is the unit, in XXXX of XXXX. They told us the problem might be our main drain was blocked but they would send someone out to check it. That never happened. We called three more times over the next month, leaving messages, but heard nothing back. We wanted to have a professional plumber fix the issue but our contract with XXXX stated that only their personnel could perform service in on the item and its components or our warranty would be voided. After months of dealing with this situation we began to notice the quality of our water declining. Evidence of hard water residue was in our bathtubs and sinks. We called againXX/XX/XXXX to request a service appointment and heard nothing back. Months later, XXXX sent a text with a service check reminder and we called them right away. Our appointment was confirmed for XX/XX/XXXX. When they called me days before the appointment I was informed that they would service our unit, for a charge of {$250.00}. I explained that according to our warranty, that the first year of service was free. They informed me that the year had past but I explained that we never received the service as requested during the first year. It took a bit of back and forth but after checking their records they saw I was correct and that they would come out at no charge. The appointment never happened. The day before our appointment I was contacted by XXXX who said their service guy got into an accident and could n't make it. I completely understood and we rescheduled for the next week. The day before that appointment I was called by a different employee of XXXX with the same story that their service guy just got into an accident. I clearly realized that they were lying and had no plans to service my unit. I began researching the company because the whole thing seemed suspicious to me. During my investigation I found that the water treatment specialist, XXXX XXXX, who sold us our unit was using a contractor 's license number ( CA # XXXX ) that was not registered to him. I found no evidence that he is actually licensed. That was the first count of fraud. The second was our contract of credit for XXXX XXXX was never signed by us. We only signed the contract for the water system, not for the revolving credit, which was opened without our consent. The third item is that our purchase contract is also invalid because it was never signed by management personnel at the XXXX home office as mandated. 
As of this date, we have paid over {$1500.00} to a company that has defrauded us on all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX, and XXXX by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX  ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
Product: Credit card

Capital One XXXX has me as " potentially negative '' and account status as " open '' as of today 's credit report viewing of all XXXX credit reporting agencies. I have no idea how this is possible since I had closed that account years ago and never touched it again. So all XXXX are showing wrong information due to XXXX and Cap1. 

I am widow XXXX
Product: Checking or savings account

On XXXX XXXX I received a call from XXXX XXXX. ( XXXX ) stating that someone was trying to purchase bitcoin on my XXXX XXXX. And to callback at ( XXXX ) so I called back because I was was having problems try to send my son money so wanted to know what was going on. When called back the rep had me to download app called help desk. While I thinking they was helping me putting in codes they were stealing my money. Try to send messages to customers support but help desk on my phone they interrupt the messages. Call the bank Truist desperately for them to stop the transaction I was Will to pay stop payment fee. Truist advise me I had to wait until the money come out of the account. Upset had to wait 2-3 days. Truist gave me a new account and transferred the rest of my money into the new account. Now this was my Federal Income tax money. Trust had me file a claim and gave me a temporary credit. I filed a police report and sign an affidavit to prove I had been scammed. After there investigation Truist stated they where taken the temporary credit back and reopen the account. I was totally crushed that they did not do more to help. This scam was on XXXX and instagram telling people to beware. How ever Truist did not care about me or my family. The account continued to add fees all the way up to XX/XX/XXXX then they sent the account to a collection. However I still had the new account to use. In XXXX of XXXX they offset my new account {$1200.00} of earn wages out of my new account. Contact the bank they did nothing contact the collections company they had me to send all documents and police report to support my case but they did nothing the remaining balance on XXXX was sent to a new collection company explaining to them what happened the stated they will send a dispute to Truist have not heard back from them so Truist allowed $ XXXX be scammed and offset {$1200.00} from banking institutions expect for me to pay them back. Now there is a lawsuit against XXXX XXXX. Because I not the only one this has happened to. I still try to resolve this with Truist as of today.
Product: Credit card or prepaid card

This involves a Capital One XXXX credit-card account. 

Because of the combination of a payment and a large refund done within days of each other in XX/XX/2022, there is a large credit on the credit-card account. After an initial attempt with the issuer 's front line service to see if this credit could be used in a credit-card purchase and being put on hold and subsequently disconnected, I attempted to E-mail Capital One executives about this repeatedly, but have not received any response : XXXX XXXX XXXX XXXX In this E-mail to executives, I mentioned how I was away from my home, and because of the high rate of mail crime in my town, I do not wish for a check to be sent to my mailbox, and that I would hold Capital One civilly liable for any theft of such a mailed check. 

Following this attempt with contact with the executives, I tried again to speak with front-line representatives, and was able to reach a person who claimed to be management at Capital One ( XXXX XXXX ), and said that the only way Capital One is required to disburse the funds is via paper check, even though I have a savings account at Capital One, and thus would make this very easy for Capital One to do, which I believe is contrary to US law XXXX in that the option for electronic transfer is also required. 

I even offered to make a large purchase so as to use the negative balance, but was told by Capital One that such a purchase would not be honored.
Product: Debt collection

I was contacted by XXXX to check my feet. I was told they were in my insurance network on XXXX different dates prior to going in. They took my insurance card and co pay. 2 weeks later I received a bill stating my insurance would not pay. So they want me to pay the bill. This clinic is dishonest and lies to public. I could of went across the street and my insurance would have paid, but believed I was covered based on what the clinic told me. Now they have turned me over for collection and is on my credit file. I have requested the collection agency take me to court where I know I would win, but they refuse to move forward to get this off my record and just leave it on my credit file. Fraud!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am charged {$14.00} every month for this service. I had questions about my credit report. I have been calling for weeks. I can not get to an agent anytime I call. I am told repeatedly that the wait time is 1-2 hours. Sometimes the recording will ask for more information and say we can not help you at this time, put your complaint in writing. If i did have a major credit issue, I would be in big trouble. You can get no help. I no longer want to pay a company to look at my credit and promises help but has such a sorry customer service. I have mailed a letter to the company detailing my complaint. I no longer want the service and just want to cancel. However, the way their contact is set up, you are thwarted at every turn. You can not cancel online. You can only call or write. When you call, you either get no one or it cuts off on you. That is not right.
Product: Student loan

Mohela is not crediting my payments. I paid my last student loan payment. The check cleared ( see attached document ). Mohela is still showing the payment as " late '' and " unpaid '' to charge me interest when they have already cashed my check! 

Also, despite repeated written requests ( including a note ON THE CHECK ), Mohela is not applying my payments to the unsubsidized portion of my loan requested. 

Mohela 's phone lines are always tied up for hours. Their " unusually long wait time '' has become very usual.
Product: Credit reporting or other personal consumer reports

The account was paid in full and its still on my account
Product: Debt collection

I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.
Product: Debt collection

They are in violation of HIPAA Laws by contacting me about medicals bills under my daughters name to be charged in my name. 

These collections are to be resolved by XXXX and only XXXX.
Product: Credit card

I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$850.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
Collection account from XXXX XXXXXXXX XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this account immediately. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$810.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response via mail.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XXXX XXXX  and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Product: Debt collection

HI Security Credit Services ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you XXXX
Product: Debt collection

My wife paid off a debt in XX/XX/XXXX to Synchrony bank regarding a care credit card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both Synchrony and by XXXX. At that time ( XXXX XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XXXX XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from Synchrony Bank in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called Synchrony and got nowhere. ( I have also filed a complaint with your office against Synchrony and their tactics ). Finally I was referred to a XXXX attorney XXXX XXXX XXXX, Synchrony advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from XXXX XXXX XXXX prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used Wise to donate {$120.00} to XXXX. I received the notification from Wise that the money has been successfully transferred, and my contact in XXXX confirmed it. 
A week later, Wise emailed me saying that there was a problem with my transfer and that they were unable to withdraw money from my bank account. They instructed me to top off my Wise account via a wire transfer, which most banks charge for. It made no sense to pay a {$25.00} fee on a {$120.00} transaction, especially since, from my perspective, the problem was on Wise 's side. 
I asked if there were any other ways to transfer the money to them ( again ) and was given the option of ACH transfer, which I ( again ) set up. 
This failed ( again ), and Wise requested that they need to " verify '' that I am, indeed, trying to send them {$120.00}, by providing whole host of private information : A copy of my passport photo page, or both sides of a drivers license or national ID card ; A photo of myself, holding my photo ID next to my face ; A copy of a recent bank statement, credit card statement or check. 

All for me to pay them the {$120.00} they weren't able to transfer from my bank account, which, arguably, is the very service they claim to provide. From the account I have already used for a while. 

When they did not receive the information above within XXXX days, ( who has the time to jump through all these hoops right away for {$120.00}? ), they canceled the transfer. 

Less than a week later, they sent me a " Final Notice '', threatening to send a collection agency after me if I do not wire the money to their bank account. No attempt to resolve this situation has been made by Wise. 

Finally, I received a notification that my account had been closed and that I should expect a collection agency to contact me. I responded to Wise, expressing my disappointment with this experience, and, again, was not offered any viable option to pay the balance without incurring unnecessary fees. 

When the collection agency contacted me, I paid the balance off immediately. It was an easy choice between a credit card and an ACH payment. However, I strongly believe that this should never have never been taken to this point and that Wise should have attempted to work this out without imposing third party fees or asking me to take selfies.