23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card. 

The pending transactions disappeared from my account. 

XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it. 

I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute. 

A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card. 

This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years. 

I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away
Product: Debt collection

I would like to report that upon checking my credit report on XX/XX/XXXX, at approximately XXXX XXXX, I noticed XXXX collection accounts, XXXX representing XXXX XXXX XXXX. The name of the collection agency is XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. I have been experiencing identity theft, cybercrime, and data breaches since XXXX. The reason I am filing this complaint is because I don't own these accounts ; they are a result of identity theft. The next account I am claiming as a fraudulent account is AMSHERCOLLECTIONSERVICES Located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Who represents Dish Network
Product: Credit card

On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.
Product: Debt collection

On XX/XX/XXXX I received an email from January Technologies , Inc. a third party debt collector stating that I owed XXXX  {$100.00} on an account ending in XXXX. The {$100.00} was paid in full on XX/XX/XXXX over the phone with an XXXX customer service representative who willingly took the payment. The representative never mentioned the debt was in collections. 

I immediately disputed the debt via January Technologies website on XX/XX/XXXX and asked that they provide verification that I owed said debt. I also followed up with a written letter sent via XXXX. On XX/XX/XXXX, the debt came back as verified. I contacted XXXX via email and phone to see if this issue could be taken care of on their end. They told me I had to dispute with January Technologies, even though they understood that the {$100.00} was paid with an XXXX customer care representative. Between XX/XX/XXXX and XXXX, there has been correspondence between XXXX, January Technologies and myself. The latest email from XXXX customer care stated that the {$100.00} was paid and that they suggest I contact January Technologies , Inc, so they can verify the new status of this loan and ensure there's no outstanding debt. I then emailed January Technologies , Inc XXXX 's response to no avail. All I'm asking is that the debt in collections be cleared from January Technologies , Inc. database because the {$100.00} was paid XX/XX/XXXX, I heard from collections XX/XX/XXXX, I didn't receive notice that it was in collections until XX/XX/XXXX. The collection has been added to my XXXX Report and has been detrimental to my overall credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Checking or savings account

I was able to create a checking and savings account with Citi Bank, but Citi bank has failed to provide me a debit card. I have been waiting for a month to receive this card. Until then, I am unable to access any part of my funds that Citi requested me to add during the initial process. Because of this experience, I want to close my account as this is not a easy task.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory information from the company XXXX XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called trans union to remove hard inquiries on my report that I didnt recognize or authorize. They didnt want to do it. Please make them remove them
Product: Money transfer, virtual currency, or money service

I tried to access my XXXX XXXX XXXX account to purchase Bit Coin. Capital One would not let me access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX    XXXX XXXX
Product: Credit card

Company will begin assessing charges on receiving a paper billing statement. I, like many others, have always elected to receive paper billing statements to retain for my records. Furthermore, in the unlikely event of my death, family at my residence can easily be made aware of my creditors. ( After being the executor for my fathers estate, paper billing statements assisted in identifying which creditors needed to be notified of his passing. ) This creditor had offered on several occasions for customers to adopt to electronic statements, all the while mentioning it was optional. Now it appears they are imposing a fee for paper statements. Verbiage provided to customers is below. 

We're following up on recent changes to your Synchrony Bank issued Credit Card agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form.
Product: Debt collection

On or around XX/XX/XXXX. 2023 I was served with a summons for court. Before being served I was not provided proper time to verify that I owed the debt. I was required to submit a response to the court and I did around 5 days after I was served. In my response, I requested that XXXX Resolutions provide me with the original documents validating that it was me who owed the debt. Absolute Resolutions did not provide me with these documents but was allowed to continue with the suit. On the day of court ( XX/XX/2023 ) an attorney for Absolute Resolutions appeared in court and the judge asked me if I agreed with the debt I responded by saying I could not confirm nor deny as I had not gotten proper verification of the debt. The judge then ruled that he was granted a judgment against me. Not knowing my rights at the time and that the statute of limitations had expired I did not know what to do. My complaint is that I was sued by a company did refused to provide me with proper verification and they were awarded a judgment.
Product: Vehicle loan or lease

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Skopos. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Nor any documentation on instructions for redeeming the vehicle. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " open ''. But this vehicle has been repossessed and sold at auction since mid XXXX, yet it is still reporting negatively on my bureau reports monthly. 
Also it says last payment date on XXXX of XXXX, XXXX XXXX. How can that be when the vehicle was repossessed in mid XXXX? 
Thirdly it shows as a joint account. With who? That is wrong. I have never had a joint account with anyone. 
Fourthly ... XXXX reports the account as being " open '' with {$0.00} total balance and {$0.00} past due. 
But XXXX has the account as " open '' with a {$6800.00} total balance and {$3900.00} past due. How can the same account be showing different information and amounts? 
This shows that this account may be possible ID Theft or fraud. 
So why is it remaining on my credit reports to this date. I've attached in this complaint a copy of my XXXX & XXXX  credit reports showing false information. And a copy of the cease and desist letter sent to the company directly.
Product: Checking or savings account

On XX/XX/XXXX I sold a diamond ring to someone on XXXX market place for XXXX dollars. I then transferred the funds into my checking account from cash out on XXXX XXXX XXXX Then on XX/XX/XXXX cash shop withdrew the money back out of my account without my knowledge or consent. I contacted the bank customer service and filed a dispute with regards to the funds then taken from my account. Where I believe the bank was at fault for for allowing cash out to withdraw {$400.00} for my account making my account be negative. For Bank of the West and give me the opportunity contest or see what my side of the story was in regards to this action against my account. On XX/XX/XXXX Bank of the West denied my dispute and rude in favor of cash out based on the fact that they said I gave them access to my account. First of all Bank of the West has the absolutely right to safeguard my account and funds in my account, XXXX had no good Reasons to withdraw any money from my account after me, XXXX on XXXX completed our transactions. Bank of the West made itself libel when they allowed cash out to withdraw These funds from my account. I wasn't even given the even given benefit of the doubt by my bank which has left a bad taste in my mouth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.
Product: Debt collection

I have an account with Conns, and have never been late with my payments on my account. I was due for my payment on the XXXX of XXXX and they have constantly been calling and calling more than XXXX  per day. I have tried to work out something with them, however they stated that they will continue to call as they want to set up and reserve the payment with XXXX of my cards on file. I did advise them that if they continue the repeated calls, I would escalate and they did state that its due to that XXXX payment pending. Please advise what can be done in my situation. I do plan to make the past due payment on Friday, I am aware and looking to just close this account out as soon as possible to avoid any other fees.
Product: Mortgage

I have been requesting cancellation of PMI on my mortgage since XXXX. They have documented that my LTV ration was below 80 % and written request was made on XXXX XXXX, XXXX. The lender required me to get a BPO through their vendor at my own expense. The home has appreciated in value by over 30 % since purchase, which was confirmed on the BPO. This was sent with another written request in XXXX XXXX. The PMI is still being charged on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and information was used to open credit cards and other accounts. I filed a report with the federal trade commission ( FTC ) and a police report. They gave me a report to send to the credit card companies and the credit bureaus. I did as they asked and the cards that were opened fraudulent were removed but except one credit card ( Discover Credit card ). I have filed multiple claims with them to for an investigation and they keep saying its mine even though I sent the Reports. I filed disputes multiple times with the credit bureaus and discover keeps telling them the account is mine. I was not in the country at the time this discover credit card was opened and I have sent discover the travel itinerary also and they still wouldn't belive this account was fraudulent. They keep making excuses that they can't read the itinerary, even though I have sent it to them multiple times via mail/fax/email. 
I got fed up with their negligence and called them again to see how I can have this problem resolved. They advised me on a recorded phone call that if I make a payment to them as a settlement even though this account is not mine that they will remove it from my credit reports. I made the payment to them in the amount of {$630.00}. I called back to check with them if they had updated the information with the credit bureaus. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a payment on this account that means that I have accepted responsibility for this account. This is fraud. They are defrauding people such as me. I have been defrauded before for my identity and now I'm being defrauded by discover all over again. I need this matter to be looked into and resolved please. Discover needs to be investigated for this fraudulent action they took with me and false promise. If they remove this account from under my name as they promised i will look into taking further action. Thank you very much for your help and I hope to hear back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to cancel service from XXXX XXXX via phone calls, messages and they gave me the run around. When I refused to pay for the service I did not want they finally canceled the service and then turned it over to a collection agency that harassed and bullied me repeated phone calls letters and they told me they would turn it over to the credit bureaus and ruin my credit. I will not be bullied and I will not pay for something I did not want and do not owe. I disputed this debt with Transunion and after what they called an investigation they refused to remove it. They never even requested my proof that I canceled it!
Product: Debt collection

NCB Management is a debt collection agency that is attempting to collect a debt of mine that was discharged through a Chapter XXXX bankruptcy on XX/XX/XXXX. NCB did not begin reporting this debt to the credit bureaus until after the bankruptcy was filed with the bankruptcy court on XX/XX/XXXX. I have sent multiple disputes to all three of the credit bureaus in XXXX, XXXX and XXXX of this year, and so far, NCB has only removed reporting from XXXX as of XX/XX/XXXX. Reporting a collection account to the credit bureaus after the consumer has filed bankruptcy is against consumer protection.
Product: Debt collection

Some collectors posted on my credit report I dont know that acount and I dont owed anything like from no business, it say XXXX XXXX accounts I dont know were that collection for, its fraud
Product: Student loan

I have been on the " Rate Reduction Program '' with Navient for the last three years I have been submitting my information to be considered for the program because it is based off of your income. I also have three co-signers who are not aware they have to provide their income because I am the one that has been paying the loan. They are not willing to submit their personal income information because they were not aware they would need to submit this when they co -signed for the loan. I spoke with Navient about this last week to lower my monthly payment from XXXX per month which I can not afford. They told me that they would need my co-signers to submit their income in order to be considered for a lower payment each month. I was willing to submit my own information but they stated my information would not be enough my co-signers would also have to submit their information. I have also been on the rate reduction payment and it does not seem my balance has been going down. I have asked to have my co-signers released however the representative told me that I would have to pay XXXX for 12 months with no late fees or delayed payments and even still they may not be released because it is based on credit. I can not seem to win or get out of the trap of Navient they have not been helpful. How can I get help with dealing with this company? Someone needs to do something about them there are several complaints about them and nothing is being done. WHY?