23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I first opened a credit account with XXXX XXXX XXXX, I only used the card a few times, and I always paid the balance in full. However, I had to file two disputes with the company after discovering that someone had used my account without my authorization, even though I still had possession of my card. I was informed that the unauthorized charges were made using an identification card. I believe the charges that are hitting my credit repeatedly are do to fraud that has been done on my account.
Product: Prepaid card

on XX/XX/year> i went to buy some food from a supermarket and i added money to cover the bill but cash app declined my card 10 even i have put money to cover the cost on the same day i went to a nail shop and once again i added more money to cover my bill and cash app declined to cover my bill. so i text them to see what was going on and i call they they would not tell what was happening keep hang up on me and once time tolad that will contact me back to resolved i have not heard back and they are hold XXXX usd i try to put it back to my bank i try to upload the my id and try calling cash app seveal time with cash and they telling hanging up on me i have call to speak to a supervisor and they just hang up on me this the only thing i been told witch is a case # XXXX all i want is to get my money back
Product: Debt collection

I received an email from National Credit Management on XX/XX/2023 concerning a {$330.00} debt that they stated I owed. The XXXX XXXX XXXX XXXX XXXX XXXX placed a due balance of {$260.00} in their office for collections. However, the {$260.00} was paid on XX/XX/2023. National Credit Management and the XXXX XXXX XXXX XXXX XXXX XXXX both acknowledge that the {$260.00} was paid, but are requiring me to pay a {$66.00} charge, which is wrongly being put on me instead of the XXXX XXXX XXXX for mistakingly taking this to National Credit Management when it was already paid.
Product: Payday loan

Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full
Product: Debt collection

I received a letter dated on XX/XX/year> from MCS Claim Services INC about a medical bill that has now gone into collections from XXXX for {$1000.00}. I sent a letter through certified mail on XX/XX/year> requesting information regarding the debt, validating that it is mine as I am currently on a debt repayment plan with XXXX paying roughly {$400.00} every month. The mail was tracked and delivered on XX/XX/year> with confirmation from XXXX to the address found on their letter. They did not respond to me for almost 3 months. When they did respond on XX/XX/year> they did not verify that this debt was mine, instead they sent me a letter attempting to collect the debt saying that I confirmed to promise to pay the debt when I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. 
XXXX XXXX XXXX This account has a XXXX balance. It was paid off in XX/XX/XXXX. This is non-factual reporting Please update the balance on this account. XXXX XXXX XXXX  XXXX The account reflects 15 chargeoffs. An account can not reflect a charge off every month. Payment history is incorrect from XXXX to present. This is non-factual reporting. Please remove this account.
Product: Credit card

made electronic transfer overpayment and called concora credit and they have not opened up the credit line but wiped out my credit that was showing .i told them to process overpayment onto account they stated will take 11 days! this payment was made via electronic transfer the money has been deducted /they holding and overpayment and in conjuction not opening up my line .they can not have it both ways. ive never seen them do that over paymments they apply to account in past .this was and overpayment ..they need to provide access to my monies and reflect it on account
Product: Vehicle loan or lease

On XXXX XXXX XXXX I borough a XXXX XXXX XXXX  from a XXXX dealer where I give a trade-in and in order for me and my son to have the deal done was that I had to get all the extra warranties ( GAP, Tire & Wheels, Prepaid Maintenance and Vehicle Service Agreement ) if I want the loan even that my son 's credit was about 700s and my around 650 so we accepted the deal. This happened in XXXX 
Now, on XX/XX/ we relocate to XXXX  due to my work, by the beginning of XXXX my son and I decide to cancel the extras warranties and I call multiples dealers around the area and i got told that the original sale dealer is the only one who can cancel it also called the XXXX XXXX and was the same answer at the same time. 
On XX/XX/ I took a flight from XXXX XXXX XXXX XXXX just to be able to cancel the agreement in person just because the dealer said it that was the only way to do it. 
My Agreement Cancellation Request was done at the dealer on XX/XX/ causing me expensive like flight fare, missing work, food, transportation and I got told that this process will take around 4 weeks to be done. At week 5 after cancellation date the refund was not resolved, I called the XXXX XXXX to get an update on the cancellation status and my surprise was that they did not have any record of the request, so I proceed to ask them if I can cancelled my self with the " Agreement Cancelation Request '' that I got from the dealer and they accepted so I faxed and email it to them 3 days later. 
By week 6 after cancelation ( 1 week later after I faxed and emailed documents ) XXXX XXXX still have not process my request. After multiples calls that last several days to the dealer and the XXXX XXXX finally by the end of XXXX the XXXX XXXX revived my Cancellation Request but they told me that they have 30 day to credit it to my account. 
With all the digitalization and technology aviable at their own convenience for sales only in todays day still a nightmare to do a cancellation but it is not a promised or guaranty that this will take 30 days max may be more if is necessary they said In the meantime I still pay interest for all that money in a daily basis that no one want to be liable for it and somebody should have between XXXX XXXX and Dealer. 
There is not respect to customers went comes about cancellations and claims but went is about sales of course there are the # 1 and exceptional in what they do because is convenience for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this REMOVE XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$110.00} XXXX XXXX {$1200.00} I have already disputed, filed a CFPB complaint against this company these companies as well. THEY CAN'T EVEN FIND MY SOCIAL IN THERE SYSTEM. YOU HAVE INFORMATION LISTED ON MY CREDIT FILE THAT DOESN'T BELONG TO ME. I NEED SOME ACTION TAKEN PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Credit card or prepaid card

I obta  ined a Chase Credit Card Promotional Balance Transfer with 0 % interest ( 2 % up front lump sum charge charge ).
I inquired via a phone call with questions prior to obtaining the Promo Balance Transfer ( I used a check that was sent to me from Chase to obtain the balance transfer ). The main question was : If I use my credit card for regular purchases, will interest be charged if I pay the purchases, in full, at end of billing cycle. I was advised that I would not be charged any interest on purchases if paid by deadline of the billing cycle. Also, the writing with the Chase checks that were mailed to me did not disclose that any " new purchases '' will be charged interest from initial date of the new purchase, which contradicts my credit card agreement with Chase - m  y credit card agreement states that no interest will be charged for purchases that are paid for during the billing cycle grace period ( paid by the billing cycle " payment due date ''.     Once I took out th e Promo Balance Transfer - Chase h as started to charge interest on " new purchases '' from date of purchase and has eliminate the grace period.     A class action should be initiated aga inst Chase to recover customer interest paid on " new Purchases '' after a Promo Balance Tra nsfer was initiated which interest charges contradicts the consumer credit card billing and payment agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent/unauthorized inquiry listed on my consumer report that I did not give anyone permission to pull. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strick proof of my consent to furnish this information on my consumer report or delete the item immediately.
Product: Vehicle loan or lease

Its a car in my name that I have no idea where it come from! All my vehicle are cash bought! I never had enough good credit to get a car loan
Product: Checking or savings account

{$150.00} was drafted out of my account which I didn't authorize {$18.00} XXXX XXXX XXXX XXXX   3x {$26.00} XXXX XXXX XXXX 3x {$33.00} 1x I put a stop payment on XXXX XXXX XXXX XXXX on XX/XX/XXXX and the expiration date was XX/XX/XXXX. 

chase bank did not honor the stop payment the amount went from $ XXXX {$50.00} I just put another stop payment on XX/XX/XXXX til XX/XX/XXXX for XXXX XXXX XXXX for the amount $ XXXX {$200.00} and chase bank did not honor the stop payment I did call XXXX XXXX XXXX and told them i wanted to cancel the wellness program as well as the insurance policy but they ended up taking the money out of my account any way either way they over draw my account for {$150.00} and something needs to be done I contacted the FDIC and told them about it but there never contacted the bank or me in regards to this matter and it needs to be addressed.
Product: Consumer Loan

I had previously faced some hard times financially, and was in dire need of a vehicle. I was forced to finance through Gateway Financial Solutions, as they were the only lender willing to work with me. Because this lender deals with high risk borrowers, my interest rate was less than appealing by a long shot, but I felt that this was the only option available to me. I have since made a large progress on my credit and financial status, and feel that I should be allowed to clear up the matter with this lender. I have asked to be provided a " buy out '' option, and have not been offered anything. I have always made my payments on time, and they are slowly bringing the principal balance down. But the bulk of the bi-weekly payments ( due to the high risk that I previously was XXXX primarily get applied to interest. I am requesting assistance with this matter because I feel that the lender is not providing ethical service to me, by not allowing me to avoid the large amount of interest that will accrue due to the remaining time of the loan. This is striking as a predatory lending scenario simply because they targeted a vulnerable customer, and are profiting on my misfortune. This type of business practice should not be allowed. The vehicle itself when I originally acquired it, was not in the best condition, and has since required several XXXX dollars worth of maintenance that I have had to borrow in order to cover. Again, this is a predatory lending practice. I was provided a sub par product, at an even more sub par price and repayment option. I was not educated on the product or option that was offered to me, only expected to accept it and move on.
Product: Student loan

Navient will not remove my cosigner despite paying the loan on time for four years, making $ XXXX/salary, having a good credit rating, providing my XXXX diploma as all required through their website. I have already paid {$80000.00} in interest. On top of this my interest rates are higher than my credit cards and they will not lower them. Some are at 10 % on loan amounts {$28000.00}. They wo n't consolidate, lower interest rates or provide any other sufficient ways to repay this loan without accumulating massive amounts of compound interest. The school I graduated from is not XXXX and has closed XXXX campuses XXXX XXXX XXXX XXXX XXXX. This is fraud/swindle and should be illegal.
Product: Checking or savings account

Capital One 360 isnt paying any interest on these so called high-interest savings account. I havent seen a single payment for my account and Ive held thousands of dollars in there solely because of the interest rates. They manipulate the checking accounts. One week my account has access to overdraft protection. And the next week it wont be available. I understand this matter has a little more gray area around it. But as far as the interest paid savings accounts this is completely unfair. Ive attached a statement. It says some interest payments were issued and applied, but they werent. The interest rate isnt what it was said to be, and neither was said amount to be paid.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there are XXXX or more late payments reported on my account with XXXX XXXX XXXX that I believe are incorrect. This reporting violates the Fair Credit Reporting Act ( FCRA ), particularly under XXXX XXXX. XXXX, which requires that only accurate and verifiable information be included in a consumers credit report. 

**Details of the Disputed Late Payments : ** - Creditor or Business Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Date of Late Payment : XX/XX/year> Furthermore, Section 602 of the FCRA ( 15 U.S.C . 1681 ) highlights the consumer 's right to privacy and the need for consumer reporting agencies to ensure the confidentiality, accuracy, and proper utilization of consumer information. The incorrect reporting of these late payments infringes upon my right to privacy by disseminating inaccurate and potentially damaging information. 

Additionally, under Section 604 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681b ), consumer reports can only be furnished under certain permissible purposes, and I have not provided any authorization or consent for the reporting of inaccurate or misleading information on my credit file. The dissemination of incorrect late payment information violates these conditions and has caused undue harm to my creditworthiness. 

I request that you investigate these discrepancies. If the reported late payments can not be verified as accurate, I ask that they be corrected or removed from my credit report immediately. 

Under 15 U.S.C. 1681i, the FCRA mandates that credit bureaus conduct a reasonable investigation of disputed information and correct or delete any inaccuracies within 30 days of receiving a dispute. I also request that you provide me with a detailed report of your investigation, including any documentation the creditor provided to verify the accuracy of the reported information. 

Please send me confirmation of the removal or correction and an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS STATEMENT IS INACCURATE AND CLAERLY IDENTITY THEFT. IMPORTANT DOC. 1 SHOWS INDIVIDUAL 51 YEARS OF AGE USING MY IDENTY IN ANOTHER STATE. 

XXXX XXXX ACCT STILL SHOWING INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

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 XXXXXX/XX/year> Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$5300.00} Last Payment Amount {$0.00} Original Amount {$5700.00} Original Charge-off {$5200.00} Past Due {$5300.00}
Product: Debt collection

On XXXX XXXX, I was contacted via letter by Amsher Compassionate Collections.XXXX XXXX has hired Amsher Compassionate Collections to continuously harass me about a bill, I do not owe.I contacted Amsher to send me verification of this debt.Amsher on XXXX XXXX, sent me verification of this debt.This debt is in someone else '' s name address, but I owe it.I have not been a customer of XXXX  since XXXX XXXX was a XXXX  customer for over 20 years.I lefXXXX XXXX XXXX in XX/XX/XXXX, and have been with XXXX  since XXXX XXXX.On the verification paper XXXX XXXX/Amsher sent menthe bill creation date is on XXXX XXXX.I was with XXXX  in XXXX.I am still a XXXX  customer.I am guessing back in XXXX is when XXXX XXXX  was illegally taken {$12.00} cents out of my checking account, without my knowledge or consent.They got away with it, until I called my financial institution and told them that, I '' m not an XXXX XXXX, I am an XXXX.Mind you this is the same checking account, I use to pay my XXXX XXXX bill from, when I was with XXXX.I called XXXX  and they kept putting me on hold, would not give me a straight answer as to why they were illegally siphoning money from my checking account.My financial institution had to close my account, and I had to start over again, with new everything to keep XXXX from going back into my account.Thats when other debt collectors would write me about this bill from Dish, I would respond and tell them, I do not owe XXXX XXXX, these companies would stop contacting me.But this Amsher went as far as putting it on my credit report, causing my FICO score to drop 45 points.I contacted The Attorney Generals Office of my State, and they sided with me .The Attorney Generals Office contacted Amsher, and Amsher admitted it was not my bill.I have a problem still, because Amsher/XXXX XXXX knowingly/falsely accused me of this bill, pursuing me of this bill, knowingly this bill was not mind and still proceeded maliciously reported this to all 3 credit bureaus, and stole money from my checking account.I am very, very upset by this, because I had good credit, now its at poor, and one of my credit cards dropped my credit limit lowered because of this.I want them both XXXX  XXXX/Amsher both to be sued, so no one else would have to go through this.
Product: Credit reporting or other personal consumer reports

FRAUD INQUIRIES ON MY ACCOUNT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT INQUIRIES AND ARE UNKNOWN TO ME AND ASKING FOR REMOVAL OF THE UNKNOWN INQUIRIES
Product: Payday loan, title loan, or personal loan

Received a letter, XX/XX/XXXX citing that Wells Fargo " collected an incorrect amount related to a title fee at closing '' dated XX/XX/XXXX. A check for {$96.00} was issued with no mention, redress of interest that would have accumulated on this amount. 
As a banking institution -- for them to have made the " error '' in their favor, and to have not issued a refund INCLUSIVE of interest, not to mention paying a penalty for charging me fees related to titling but not doing so correctly, is egregious. I made a call to the company and as the account has been since closed for many months, it took over 32 minutes, 4 times on hold and 2 different representatives to get the standard " we will look into this and get back to you within our usual 10 business days to see if we can pay the interest. '' These institutions NEED TO BE HELD ACCOUNTABLE!!!! They are in the business of MAKING money on interest, and yet withhold my money, based on their own accounting error, and have no accountability for paying me, apologizing, and wasting my precious time since I am a conscientious customer who does not want these practices to go on un-checked for my fellow Americans. PLEASE help us punish these financial institutions when warranted so they can not continue to take advantage of the busy, and often poorly educated customer!!!!
Product: Debt collection

I was using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a text message from the technician that he was at my house ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to perform my service. I was at home and working on my Jeep in the driveway to get it ready for a sale appointment. The technician was not at my house. In the text he also offered to pressure wash my driveway ( not as part of XXXX XXXX ). I pulled out my phone and took a picture of my driveway ( no XXXXXXXX XXXX XXXX  there ) at around XXXX. I sent the technician a text response at XXXX asking if he was coming to my house to do the service and did not get a response. XXXX week later on XX/XX/XXXX I called XXXX XXXX XXXX speaking to XXXX and advised that I was cancelling my service. She asked why and I explained that the previous XXXX the technician sent a text message but did not show up. Also told her that I was in the driveway at the time of the initial text. XXXX called again about a month later and said my bill was past due. I told the caller that I had cancelled the service on XXXX and again explained that the technician did not perform the service. This happened XXXX more times and I explained that the XX/XX/XXXX service was not performed and I should not have been billed. It was recently sent to a collection company Coast to Coast Financial Solutions. I paid the requested {$200.00} dollars and they reported this on my credit reporting. This was not owed and the behavior of XXXX XXXX XXXX was unwarranted and harassing.