23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been fighting a collection on my account for years ; the collection company reporting this incorrect debt is Central State Recovery ( herein " CSR '' ) in XXXX, Kansas ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) Collection representative I've spoken to is XXXX. The amount in question on my credit report states I owe XXXX XXXX XXXX ( herein " XXXX '' ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, KS XXXX ) an amount of {$540.00}. On XX/XX/year>, I requested verbally from CSR ( XXXX ) the number for the original creditor ( CSR provided : XXXX ), an account number ( CSR provided account number XXXX ). 

I then called XXXX and spoke to representative XXXX. XXXX attempted to look up an account using my full name, birthday, social security number, the " account '' number that was provided to me by CSR ( which was not accurate ), and by my phone number, which resulted in nothing coming up in their system of any debt, or patient history. 

I asked XXXX if she would be willing to stay on the call with me which I phoned CSR ( XXXX ) back, so XXXX XXXX XXXX could inform her of this. She agreed and we made contact with XXXX at CSR. 

XXXX and XXXX compared information such as my name spelling, birthday, account number, etc., and still, XXXX from XXXX could find no such account with them for which CSR is attempted to collect from ). 

Once they concluded their conversation, XXXX XXXX up before she would state any type of action or remedy she planned to do in order to remove this illegal debt from my report, for which I have suffered damages for from its listing such as a denied housing application, denied mortgage, denied job application, etc.
Product: Money transfer, virtual currency, or money service

Impersonators contacted me claiming to be Capital One then got me to transfer money. I lost over {$2500.00}. 
Today I called XXXX to see about starting an account and was told I already had an active account. Someone used my SSN to create it. I got that cancelled and asked XXXX to flag it so they can not re-open it. 
My old gmail, old phone number and SSN are on the dark web, I am told. I changed to a new phone number yesterday and I am deleting my gmail account. 
The transfers to XXXX XXXX on my XXXX file are the fraudulent transfers.
Product: Checking or savings account

I have been a customer of Citizens Bank for over 20 years. 

On XX/XX/XXXX, I made a cash deposit to the Citizens Bank ATM located at XXXX XXXX XXXX in XXXX, MA at XXXXXXXX XXXX The machine malfunctioned and did not properly credit my account. It retained {$7.00} of my cash that was not properly credited to my account. 

When I reported this by telephone on XX/XX/XXXX to Citizens Bank customer service, I was informed that my claim ( XXXX ) would be investigated. Citizens Bank then wrote me a letter stating that {$7.00} was credited to my account, however the {$7.00} to which they referred was a deposit that I made the same day but earlier in the evening at a different ATM ( XXXX XXXX XXXX ; after my work day ended ). This {$7.00} amount was simply a coincidence. 

To date, despite my making several phone calls and a visit to the Citizens Branch at XXXX XXXX XXXX, Citizens Bank has refused to refused to provide accurate accounting for my ATM transactions at XXXX XXXX XXXX in XXXX, MA, on the night of XX/XX/XXXX. The machine shut down while I was using it and stopped accepting cash deposits ; clearly it malfunctioned. 

Each work day, I earn cash gratuities in my job as a Narrator at XXXX XXXX XXXX and it is not convenient to visit the Citizen Bank branch in person, since it is only open when I am performing for tourists in XXXX during the work day. 

Citizens Bank needs responsible accounting/audit trails for when their ATM 's malfunction and staff who are willing and able to work with long-term customers when mistakes happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX-XXXX/XXXX  XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXX XXXX/XXXX  XXXX  ( XXXX XXXX XXXX , XXXX XXXX , CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX/XXXX  ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( Equifax, XXXX, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

After losing my job recently, I got in touch with Mercedes-Benz Financial Services regarding early return of my vehicle. I simply can not afford the payments any more. They offered me two options. Firstly, defer my monthly payments, but this would trigger a bulk repayment of missed payments upon then restarting payments. For someone with no income, stacking up {$2800.00} of payments is not an option at all. They also told me I could turn in the car and pay off the lease at a cost of {$7000.00}. This too is not really an option given I would have to find {$7000.00} and be left with no car. The specific advice from MBFS was to list my car on XXXX  to find a buyer to transfer the lease to. My lease permits transfers and I was aware of this when I signed the original agreement. They also told me to speak to the dealer from whom I leased the vehicle. The dealer gave me the same options, so I I listed the car on XXXX at their direction. I found a transfer 'buyer '. However, MBFS are now not supporting lease transfers. When I called to ask why, I was told 'MBFS is too busy helping people who have been affected by COVID-19 '. This was appalling to me, since I have been affected by losing my job. They have effectively changed the term of my lease, without notifying me first. They are also falsely advertising lease transfers on their website. Plus, I have now incurred advertising costs which, on top of my other financial stresses, are not helping my current situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Credit limit {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
Product: Debt collection

The XXXX XXXX XXXX sent me a letter future-dated XX/XX/2021 stating that a correct copy of the certificate to levy my bank account. On XX/XX/2021 they levied my bank account for {$1700.00} without my knowledge. nd did not provide any of the following information that I requested : 1. ) What is the debt for?

2. ) Proof that this was my debt?

3. ) What date the debt took place?
Product: Mortgage

Applied for a loan for XXXX. 
Purchase Price XXXX. 
Down Payment XXXX. 
Home appraised for XXXX. 

To start Amerisave opened XXXX loans for me off of one inquiry. All with different loan amounts and all for the same address. 
# XXXX # XXXX # XXXX Mortgage company ( Amerisave ) wanted me to sign an addendum to my purchase contract stating I was receiving the following from the seller : XXXX in a gift of equity and XXXX is seller credits. This was not true at all, the seller and I refused to sign the addendum after inquiring where these got these numbers from multiple times. My mortgage was also changed to XXXX. 
I had to fight and argue with them to put my loan amount back it what it originally was supposed to be which is XXXX and argue about getting an estimate with the loan amount at XXXX as they told me they were unable to provide it with the purchase contract I had and I had to follow their revisions. Said I was going to bring XXXX to close then XXXX then on my day of closing asked if I could bring XXXX because they wrote up the estimate incorrectly ( still had it at XXXX ). Company keeps telling me that if I dont close with them Ill be billed {$540.00} on top of the {$500.00} they already collected from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I paid off my house in XXXX. In XXXX, I got a delinquency on my credit report. No one seems to know how I got it on there, and it looks like either retaliation or negligence for trying to solve another credit issue. 

The issue was first noticed in XX/XX/XXXX when I tried to buy a house and had the delinquency on my report from the date of sale, XXXX XX/XX/XXXX. I was trying to fix it, only to find that on my last credit report, the delinquency was ( re ) reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

The attached document, " email 1, '' shows that I was dealing with this issue as early as XX/XX/XXXX because it was discovered the first time. " XXXX XXXX XXXXXXXX '' shows the new reported dates of delinquency, and " Mr. Cooper Reply '' is from my previous complaint, which shows no reason for another report of delinquency in XXXX.
Product: Checking or savings account

On XX/XX/year> My husband contacted Wells Fargo to ask if they can put a Stop Payment for a preauthorization that was showing in our account but the Agent who he spoke with did not put a Stop payment, instead they file a unauthorized dispute on my husbands behalf. My husband not knowing what's going on thought that the issue has been resolved since the funds was put back to our account. 

On XX/XX/XXXX, we received a letter from the mail saying that the claims was declined and that they are debiting the money from our account. I called them on Monday XX/XX/XXXX, first thing in the morning to asked why did they file a unauthorized transactions and not put a stop on the transactions. The agent explained to me that they couldn't put a stop on a preauthorization since it has already posted in our account, although I understand that reason, they failed to disclose and explained to my husband that they couldn't do what he requested. All he knew was that the issue was already resolved. After she explained that the claim was declined, I asked that she resubmit it but they are refusing to do so because they are asking us to show proof, which we have no control of. Transaction was made over the phone so it is impossible for us to provide any proof that they are requesting. The Merchant have all the control and the bank is siding with them.

So, I asked the agent to file an arbitration against the Merchant and she said that she will file the arbitration and that it will take 30 days for me to receive the information. That conversation ended. That same day XX/XX/XXXX, I called Wells Fargo back to asked the process of their arbitration but this time I am talking to a different claims agent. She then went and explain to me the same thing that the first agent says, I told her that wasn't I was calling about. She put me on hold and came back and told me that they are NOT filing for arbitration because the dispute has already been resolved. I said the dispute has not been resolved. We are still out of {$840.00} that the merchant refused to refund, and now our bank is also refusing to help us. 

Their disclosure clearly says that we can asked to file for an XXXX if the dispute has not been resolve, but they refused to do so. Now we are out of {$840.00} and we do not know where to go from here. Wells Fargo lied to us, deceived us and treated the claims unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : 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 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 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   XXXX/XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ( XXXX, TRANSUNION, AND XXXX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX  ( XXXX XXXX CARD ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM XXXX, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX  XXXX XXXX  NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER XXXX XXXX XXXX  CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - XXXX, TRANSUNION, AND XXXX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Product: Credit card or prepaid card

When suntrust turned into truist my existed suntrust account was transferred. A banker then opened XXXX additional credit card accounts. When I went to a branch to close them they convinced me it would hurt my credit score and I should keep them open.
Product: Credit card

The Discover credit card app and website showed a running balance that was {$230.00} less than shown on my statement. The balance I was shown on XX/XX/XXXX was {$9200.00}. The card issuer claims that based on my statement it was {$9400.00}. My Discover account consistently showed me a running and current balance based on the {$9200.00} starting XXXX XXXX throughout the month as transactions were made. 

After my last transaction of the statement period on XX/XX/XXXX, I was given a balance of {$8700.00}. 
The day prior to my statement being issued my current balance jumped to {$9200.00}. {$200.00} of this jump is accounted for by interest charges, leaving {$230.00} unaccounted for. I took screenshots of my running balance and all transactions for this month. 

I contacted Discover in the morning on XX/XX/XXXX prior to the statement being issued. They informed me I would have to wait until the statement was issued later that day to receive any help on the issue. After the statement was issued, any running balance information was no longer shown on the app. The screenshots taken are from prior to the statement being issued. However, there was no transaction before or after then besides the {$200.00} interest charge. 

I contacted them again after it was issued. I explained the situation and offered to send the screenshots showing that they had consistently been misrepresenting my balance to me. I was originally told they are unable to accept screenshots. After later being transferred to a supervisor, I was given an email to send them to. The supervisor then claimed that the email was not received. I called the Discover help center, after being transferred 5 times, I was told all they could do was put a notation on my account saying I had been misinformed about my balance. After spending over XXXX hours trying to resolve this issue with them, Discover offered no explanation, no way to ensure my statement was actually correct, and no way to know that the current balance shown would be correct in the future.
Product: Credit card or prepaid card

I FILED A COMPLAINT AGAINST AVANT CREDIT CARD SERVICES IN REFERENCE TO AN ADDED FEE ON MY ACCOUNT AND THEIR INABILITY TO EXPLAIN WHY IT WAS POSTED TO MY ACCOUNT. I HAD CALLED ON XX/XX/2023 AND PAID MY ACCOUNT IN FULL. I RECEIVED AN EMAIL FROM THE COMPANY STATING THAT I REQUESTED THAT MY ACCOUNT BE CLOSED. I NEVER MADE THAT REQUEST. I REQUESTED THAT THEY REMOVE THE FEE THAT HAD BEEN PLACED AFTER RECEIVING PAYMENT. I DO NOT FEEL COMFORTABLE RESPONDING TO THEIR EMAIL BECAUSE OF THE LACK OF TRUST THAT I HAVE FOR THEM TO DO THEIR JOB. MY ACCOUNT IS PAID IN FULL AND I DO NOT WANT IT CLOSED. CLOSING THE ACCOUNT WILL DAMAGE MY CREDIT SCORE AND I DO NOT WANT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning a disputes that I took with XXXX XXXX and Equifax concerning two credit cards, one from XXXX XXXX, which was a XXXX XXXX credit card and the other was with XXXX bank.
Product: Student loan

Fedloan Servicing reported my consolidation loan funded in XX/XX/XXXX as 90-days late three times to all three credit bureaus. I had lost 50 % of my income during the alleged period of late payments and had requested forbearance but Fedloan Servicing said I was still late during the forbearance periods and that there are documented " delinquency forbearance periods '' on my Studentaid.gov U.S. Dept of Education account " per their system. '' I requested an official U.S. Dept of Education Transcript to verify the forbearance periods requested and loan specifics. It does not show 90-days late " three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

The representative that I spoke to this morning ( XX/XX/XXXX ), REFUSED to provide proof of the alleged delinquent periods stating that " THIS IS WHAT SHOWS IN OUR SYSTEM AS ENTERED BY A REPRESENTATIVE YOU SPOKE WITH. WE DON'T HAVE TO PROVIDE ANY PROOF OF THIS DATA TO YOU, YOU SHOULD BE PROVIDING PROOF TO US THAT YOU DID PAY! '' Then, the Fedloan Servicing Representative hung up on me! I have never spoken to anyone from Fedloan Servicing who treated me in this way. She also literally told me, " JUST BECAUSE YOU REQUESTED A " DELINQUENCY FORBEARANCE '' AFTER THE FACE AND AFTER LOOKING AT YOUR CREDIT REPORT ... '' I am beyond angry. I can't describe the whole conversation thoroughly but professionally her refusal to supply the documentation I needed to show that I was in fact late when I had requested forbearance and that regardless of forbearance I was still going to be reported LATE to the Credit Bureaus? I have never heard of this. All I wanted was proof of the XXXX alleged XXXX late periods after filing for consolidation in the midst of financial hardship in XXXX of XXXX and after making forbearance. I also even filed for bankruptcy in XXXX of XXXX so I'm only asking for proof that I agreed " verbally or in writing to repay a loan that I did not have the financial ability to repay between XXXX and XXXX. '' How can they be allowed to refuse to send me this alleged " information in their system '' that is not anywhere else? How can they just report my account delinquent to the credit bureaus when I reached out for forbearance and financial hardship help ahead of time? Please help me. I've been trying to straighten this alleged delinquency out with the credit bureaus for two years now. And, to know that Fedloan Servicing states they don't have to send me proof of the alleged delinquency that is captured in their system seems illegal because they're making a claim that I have no records of nor is their alleged data/proof captured in the Dept of Education 's System or on the Transcript I requested and received a copy of. Thank you for your help. I was going through a lot of financial hardship between XXXX and XXXX. All I'm asking for is proof of this delinquency so I can investigate further, request Fedloan Servicing further investigate " thoroughly '' and ultimately/hopefully resolve this dispute with the credit bureaus once and for all. Thank you again, XXXX XXXX XXXX