23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Northland Group is calling family members multiple times a day. Called my parent 's phone number and I do NOT live there at all. They have asked them to stop and told them I do not live there and they still call multiple times a day. According to the federal trade commission website, they are not supposed to call more than once. They are also leaving details with my NAME and that they are trying to collect a DEBT which they can not do!
Product: Debt collection

I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was initially filed a complaint in XX/XX/2021, Credit Acceptance responded that my balance was accurate. I have been paying {$200.00} every 2 weeks my remaining balance is {$130.00}, when I made this agreement Credit Acceptance stated they would stop collection which they have not, I never ask to be put on COVID-19 protection because I was paying {$200.00} every 2 weeks. Every month Credit Acceptance reports to the credit bureaus this is not right because I kept my promise to pay bi-weekly. The reporting is also not correct it shows a balance of over {$2000.00} which is not correct I'm attaching my payment ledger, also the last report stated Credit Acceptance sole my account to someone and they are putting in the reports monthly again which is not correct, I have and continue to communicate with Credit Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a credit card account and it came with a free credit report and it notified me of fraud alert and found " dark web activity '' and they have my personal information including address, drivers license #, and social security # under my past last name on 3 different inquiries on XX/XX/2023 on Transunion and XXXX on my XXXX XXXX XXXX card on XXXX. I'm not sure what to do please HELP...
Product: Debt collection

Numbers from California ( the most recent being XXXX ) have been calling me since XX/XX/2020. They leave automated voicemails claiming to be from FCR Collection Services and claim I owe a debt on a textbook rental. They say to call back or go to XXXX. This debt does not exist and I believe this is a scam. I have blocked dozens of their phone numbers and they keep calling me through new ones.
Product: Prepaid card

I have been in the habit of purchasing " XXXX XXXX XXXX '' and using them to load money into my XXXX account. Last year I purchased XXXX cards for {$500.00} each and did not immediately load them into my account. XX/XX/XXXX I scratched off the PIN on one of them and attempted to redeem it, only to be told that the PIN had already been used. I contacted the customer service number and provided the serial numbers of the other XXXX cards and was told that they too had been emptied, even though I had never scratched off and revealed their PINs. XXXX uses the XXXX XXXX XXXX to handle reloads and I submitted a dispute form to them. After 6 weeks hearing nothing, I contacted them again and was told that I had been the victim of a fraud and that there would be no funds returned to me. I asked how I could be the victim of a fraud here and they said that I allowed someone to get ahold of my PIN. I asked how I could have done that, since I did not know what the PIN was, given that the PIN was still hidden under a silver coating on the back of the card. 

They told me that I needed to file a police report and have the police investigator contact XXXX. This seems preposterous to me. If I go into a XXXX XXXX and purchase an XXXX and discover when I open the box that someone has substituted a brick, I do n't go to the police, I go to XXXX XXXX. 

XXXX XXXX XXXX has poor security and fraud detection and THEY released my funds to someone else. I was not robbed ; they were.
Product: Debt collection

XXXX XXXX XXXX is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to REVVI XXXX XXXX XXXX on ( XX/XX/XXXX ). 
I have not given XXXX XXXX XXXX or REVVI XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; XXXX XXXX XXXX has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. 
Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule XXXX XXXX XXXX must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 
I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency.

I am very certain that XXXX XXXX XXXX or REVVI XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for REVVI XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account listed on my credit report that is not accurate from XXXX XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked TransUnion to investigate and verify the accuracy of the incorrect six XXXX XXXX XXXX accounts. TransUnion did not do a proper investigation per the Fair Credit Reporting Act, nor responded to the CFPB complaint request made on XXXX with the complaint number XXXX. I am including multiple screen shots of proof showing TransUnion violating my rights. Delete the six XXXX XXXX XXXX accounts on my TransUnion credit report IMMEDIATELY. It has been 60 days since the initial request was made.
Product: Credit card or prepaid card

Synchrony bank closed all my cards without notice. I have paid on time, never been late, and have not done any transactions that would have been suspicious. My credit report score has gone up over the last month. Yet, they won't tell me why they closed my accounts. There is no valid reason.
Product: Credit card or prepaid card

Back at XX/XX/XXXX of 2022 I was talking to somebody online that I thought I can trust and I gave them my credit card. The problem is that I was being scammed at the time and I didn't even know it That was trying to send {$3000.00} to my account The company that I was with that provided that credit card they restricted and all they ask was can they have a bank information of that money that they provided and I told the person that's all they need and she couldn't do it. I try to reason with her wouldn't do it and remind you I never even seen this person that one bit not one time of my life I never saw this person I went to the police to tell my situation to do investigation to a point is that they can't do nothing because they are in XXXX. I told the company out with my situation they don't want to hear it because they just need the he bank statement I talked to the manager and I thought things was taken care of I even asked him to run investigation on this he said yes is give them two weeks 2 weeks has now passed I literally just got done calling them and then do nothing because it keeps saying the exact same thing They can't start no investigation without the bank statement and I told him my situation over and over again I got to a point that I even asked them What do I do? I said to them you know my situation You know I've been scammed by them You're not getting the bank statement from them They have not even reached out to me not one time They are from XXXX They know all this information and yet you won't help me and all they can say is well if you can just pay off the balance that I owe the credit card everything should be fine it's up to {$4000.00} I tried everything with this company and nothing 's getting done I don't know what to do anymore.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in XXXX, XXXX, and XXXX  practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these XXXX  practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 : In XX/XX/XXXX Aqua Finance reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score.

To this day, I still have never been notified our account was ever sent to collections.

# 2 : Aqua Finance charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with XXXX for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.
Product: Credit card

I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect information and there is no one who can assist in the matter. 

I disputed the information a number of times online yet it keeps coming back incorrectly. 

Have called experian a number of times but they dont have any customer service agents available. 

Had a lease with XXXXXXXX XXXX  Returned the car to the dealership when the lease was up in perfect condition. 

Someone at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, damaged the vehicle, XXXXXXXX XXXX sent a letter to me for damages. Reached out to the dealership to address multiple times, they would not do anything, nor did they send me a video of who caused the damage. 

I paid XXXX in full the amount owed- the damage caused after the vehicle was turned in Account keeps showing as not paid in full
Product: Checking or savings account

I am writing to file a complaint against Citibank regarding their failure to provide a cash bonus as part of a promotional offer. The promotion in question can be found at the following link. XXXX XXXX //XXXX.citi.com/XXXX XXXXXXXX XXXX XXXX Details of the Issue : Promotion Description : Citibank offered a {$300.00} cash bonus for opening a new checking account and completing the specified direct deposit requirements within the promotional period. 

Completion of Requirements : I successfully completed all the requirements outlined in the promotion, including opening a new checking account and setting up and receiving the necessary direct deposits within the specified timeframe by XXXX XX/XX/2024. 

Banks Response : Despite fulfilling all the conditions, Citibank has not provided the {$300.00} cash bonus as promised. I have contacted their customer service multiple times, but my issue remains unresolved. Their responses have been unsatisfactory, with no clear explanation for the denial of the bonus. 

Impact on Me : This situation has caused me significant inconvenience and frustration. I relied on the promotional offer in good faith, and the banks failure to honor it has affected my trust in their services. 


Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Mortgage

I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.
Product: Student loan

I am currently in student loan rehabilitation program, and have made2 payments in XXXX, and1 payment for each month there-after, for a total of 6 on-time payments. According to my calculations I have no more than 4 more payments left to fulfill my student loan rehabilitation agreement. In XXXX  I had an income change, from $XXXX per year to $XXXX per year. I contacted both US Dept of Education, and Coast Professional Inc, the servicer of my loan, and was told to complete a new financial disclosure form. I submitted all documents asked for. I recieved a new payment amount of 5 times higher than previous amount and was told that all previous payments I have made are now NULL and VOID and that my repayment schedule would start ALL OVER AGAIN for another 9 month period> When I spoke to manager XXXX XXXX I told him that even the contract they sent me clearly states PAYMENTS BEGINNING- X/2017. I believe this is ILLEGAL,and I can find no legal written documentation to support what they are trying to do.1) my payment amount increased almost 5X from $XXXX  to $XXXXeven though my income only increased $XXXX per year2) they are trying to start my contract all over again, despite the fact I have already made 6 payments, and only have 4 more left.The contract sent to me also READS "PAYMENT PERIOD FROM X/17" This is a breach of contract.
Product: Credit card or prepaid card

Payments were made to XXXX XXXX via on-line payment service on XX/XX/18 and XX/XX/2018. After that date, XXXX 's notified me that payment was overdue, charged a late fee and submitted 30 day delinquency to credit reporting agency. I have been in contact with XXXX XXXX XXXX XXXX several times in the last 60 days to resolve this issue with proof of payment received by XXXX 's but have not been able to resolve. I opened a formal dispute in early XXXX. XXXX 's instructed me to obtain verification from my bank to verify the payments were made. I obtained the requested documentation directly from the bank and submitted to XXXX XXXX. No correspondence was receive from XXXX 's regarding the dispute for over 2 weeks so once again I contacted XXXX 's for update. The customer service rep indicated that the documentation provided was insufficient to find the account where the funds were credited. She once again requested information from my bank. I submitted the verification directly from my bank, the documentation included the ACH history from my account to XXXX 's account at XXXX. The verification provided XXXX routing number, trace number, bank account number, amount of payment and date. This was faxed on XX/XX/XXXX ( can provide proof ). No response from XXXX 's until week of XX/XX/18 ( message left on recorder ) that they were closing the dispute due to lack of my response. On XX/XX/18, I called XXXX 's to check on status and was instructed to obtained further information directly from the bank that verified XXXX/XXXXreceived payments of {$60.00} on XX/XX/18 and XX/XX/18 from my account. I was also reminded that even though I could prove that funds were submitted to XXXX 's that unless they could find where the funds were credited, they would not give my account the credit and would not remove the late payment. I once again obtained information directly from bank that included EFD withdrawal from my account to XXXX 's including account number, amount and date. This documentation was faxed on XX/XX/18. 
Today ( XX/XX/18 ) I once again called XXXX 's to check on receipt of documentation and they indicated they just received today and would review. I have no confidence that this will be resolved without intervention since I have been told that they will not acknowledge payment receipt until they can find where is mistakenly applied. 
In addition, I have applied for a mortgage and this is the only late payment on my credit report. Since it was so recent, the late payment has dropped my credit score and I will have an increase in rate. I am struggling that this financial institution will not act responsibly to address the dispute and credit my account when proof of payment has been repeatedly provided.
Product: Payday loan

Hello I would like to file a complaint against a company by the name of the big picture loans. I took out a {$200.00} loan and they told me my finance charges would be {$100.00} a total of {$300.00} to pay back. I took out the loan XX/XX/XXXX and started making my monthly payments for XX/XX/XXXX XX/XX/XXXX and XXXX for {$100.00} a month. They are telling me my next payment date will be for XX/XX/XXXX, and that I only pay the principal charges, they are saying that my total loan balance is {$1200.00}.
Product: Debt collection

A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from Cooling & Winter LLC who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to XXXX XXXX XXXX who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
Product: Credit card

Reported companies and affiliated, XXXX, Experian, XXXX, XXXXXXXX XXXX XXXX, are in possession of my stolen credit card ( social security ) information, absent knowledge, consent or approval per 15 usc 1602 ; 15 usc 1692 c ; 15 usc 6802. Compliance has not been met by companies. I have identified the stolen accounts and information in the attached exhibits ( identity theft report ). Companies have been provided opt out cease and desist notices, and demand for immediate block has been forwarded 15 usc 1681 c-2
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.