23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive disputed this item and it is not mine.. and they are harassing me TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
Product: Credit card or prepaid card

Hello, I am currently on hold now for close to an hour with the U.S. Bank Reliacard company that my Covid-19 unemployment compensation has provided. On Tuesday XX/XX/XXXX I purchased groceries online for pick up, first time ever doing so, through my local XXXX, who utilizes I believe XXXX XXXX  and the grocery bill was for {$170.00}, however, I was charged {$190.00} from my Reliacard? That is roughly {$17.00} charged from my account. My unemployment compensation is not that much and have a household to run. 10 % fee is an absurd amount to charge, any fee is unacceptable, especially at these unprecedented times and times that we are asked, no required, to maintain distance from population as much as possible. ( Still on hold by the way, so over an hour ) I should hope this request does not go unheard. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.
Product: Student loan

XX/XX/XXXX - XX/XX/XXXX : I spoke with a representative with my borrower service ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, mygreatlakes.org ), requesting a payoff amount for two of my four remaining loans. I wanted to pay these two off by XX/XX/XXXX and received information ( email ) on what the total pay off would be.I also asked if the standard monthly payment was required and I was told IT WAS NOT. 

XX/XX/XXXX : Payment was received and cashed ( both checks ) by Great Lakes.. by XX/XX/XXXX. 

XX/XX/XXXX : I spoke with a representative asking that the payments be applied correctly and as I requested. Payment was applied across all four loans instead of solely the two I requested, leaving an outstanding balance on a loan that should have been completely paid off at this point. The representative informed me that the monthly payment needed to be made first, before the additional payment sent could be applied across other loans. Again, I specifically asked if this needed to be done prior to sending any payment, to which I was answered with, NO, MONTHLY PAYMENT IS NOT REQUIRED. The representative had to contact finance to see if the loans could be applied the way I had asked. 

*Please Note : At this point in time I am already about 1 year paid in advance for all of my outstanding loans. I also receive monthly emails stating, for example, the most recent, " Total Amount Due by XX/XX/XXXX, {$0.00}. '' XX/XX/XXXX : I spoke with the same representative from XX/XX/XXXX, who informed me that finance could not do anything about the situation, and that monthly payment had to be made and applied before additional monies could be applied to other loans - Once again, NOT THE INFORMATION I WAS GIVEN. Now, I have to make an additional payment in order to pay off one of the two loans I  originally requested to be, and I am now paid ahead until XX/XX/XXXX at this point! 

XX/XX/XXXX : I will be writing a check for the outstanding amount, and will need to pay extra, again, to have the mailing expedited, to be sure payment is received prior to XX/XX/XXXX, finally wiping out the second of two loans I originally requested to paid off.
Product: Prepaid card

I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from a collector saying I owe {$4600.00} as of XX/XX/XXXX in a paypal credit card that I have never opened, I went online to check the reference and now XX/XX/XXXX over XXXX is owe. 
I called the collector XXXX which return it to paypal to investigate because the phone, email and bank account did not match my paypal account which has a XXXX balance. 
Paypal shot the account down and is investigating. 
Last year around this time we got a notification that a XXXX account was opened in my name, I immediately called the bank, closed the account and then reported to the FTC, I also place a 5 year freeze in my credit and have my XXXX credit locked. 
Since I have been a victim of this before I keep a very close watch in my accounts and monitored my score and get daily notifications, so I don't even know how this happened.
Product: Mortgage

We have reached out to the mortgage company ( Weichert Financial Services ) two times and they have refused to respond. 

Our mortgage ( balance {$190000.00} ) has been paid in full via refinancing settlement payment in the amount of {$190000.00} resulting in a excess payment of {$960.00}. 

We have three issues : 1 ) -Our activity history initial identified as " interest '' an amount of {$870.00}. This was AFTER our refinancing company obtained a payoff quote and AFTER they paid the full amount. 

2 ) -Weichert Financial Services subsequently " paid '' an Mbs Pool Settlement amount of {$680.00} from our balance. They have been unable to explain what this amount represents and why it was deducted from our refinancing company 's overpayment of the mortgage balance due. 

3 ) -Weichert Financial Services then allocated an amount of {$88.00} to an " Escrow Account, '' however, we have never had an escrow account as part of our mortgage loan Weichert Financial Services . We were subsequently " refunded '' {$88.00} but were never given an explanation why an escrow account was set up, money placed in this account and held by Weichert Financial Services before sending it to us. 

In short, we are still unable to get any response or understand the following transaction history : XX/XX/2020 Escrow refund {$0.00} {$0.00} ( {$88.00} ) {$88.00} {$0.00} {$0.00} XX/XX/2020 Mbs pool settlement {$0.00} {$620.00} {$0.00} {$620.00} {$88.00} {$0.00} XX/XX/2020 Loan paid in full ( cash ) {$190000.00} {$870.00} {$88.00} {$190000.00} {$88.00} {$0.00}
Product: Debt collection

Portfolio Recovery is contacting my family members when I never submitted their contact details.
Product: Debt collection

I initially got the vehicle from XXXX XXXX The vehocle broke down and I was unable to trade it in due to condition make and model of the vehicle. Did a voluntary repo. offered to make {$50.00} payments per month to pay off remaining bal owed. Was advised by company who took over for XXXX XXXX  after they closed they would only be able to accept payments of XXXX XXXX monthly. i informed them that I was unable to pay that much per month. Next thing I know a new debt collection agency bought the debt and sued me for it. i wasnt able to make the court date due to having to work. Now I dont know what to do
Product: Debt collection

Radius Global Solutions - Account # XXXX opened- XX/XX/XXXX Date reported - XX/XX/XXXX Credit limit - {$140.00} I submitted a dispute letter to XXXX requesting the removal of this item from my credit report, as I was unaware of any outstanding debt owed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Equifax still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. [ XXXX XXXXXXXX XXXX balance XXXX account XXXX, XXXX XXXX  BALANCE ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX ] on credit report. The balance listed on the account is incorrect and it is causing false representation from gain things AS IN A HOME FOR MY FAIMLY AND NEW CREDIT. THIS IS TH CONSISTENT HARASSMENT TO KEEP ME FROM SUCESS. YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Product: Money transfer, virtual currency, or money service

I received fake checks from the person who wanted to purchase second handed furniture from me on XXXX. And turned out these people were scammers and they just wanted to stole money from me. After deposited the cash, they asked me to cancel the purchase order and let me to return the money. So I zelled the money back to them at the time I didnt realize that they were scammers instead of real buyers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times disputing this information with Synchrony Bank and all three credit bureaus. Synchrony Bank informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

When recently reviewing my credit report I found these fraudulent accounts on it and I ask that they be removed as soon as possible as they are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Product: Credit card or prepaid card

I opened this credit card with a XXXX annual fee for the purpose of travel benefits. Then Covid19 hit and travel stopped. Because I cant receive the travel benefits I called to ask for a refund of the annual fee and was told it was too late. With all the extensions given because of Covid I asked if they would refund the annual fee but was turned down.
Product: Mortgage

Chase loan number XXXX I received a letter from Chase XX/XX/XXXX. the letter was dated XX/XX/XXXX the letter said dear XXXX we are transferring your mortgage loan from GP Morgan Chase Bank to XXXX XXXX XXXX and your loan number is XXXX Page 2 of the letter signed by XXXX XXXX executive director clearly states the last day Chase will accept your mortgage payment is XX/XX/XXXX XXXX. 
Basically Chase release them self from my loan and there were no longer legally allowed to report anything on my credit report and they are not affiliated with XXXX XXXX XXXX. 
while I still have a dispute regarding my incorrect monthly payment with Chase the investigation is still pending with Consumer Protection Bureau Chase went ahead and illegally not being my servicer XX/XX/XXXX reported my loan as delinquent XX/XX/XXXX. Chase was not legally allowed to report me Late my mortgage payment XX/XX/XXXX I was not their customer any longer. because of Chase negligence and careless Loan Servicing my credit is damaged and I am not able to finance my leased car my credit score dropped over 300 points. 

All my credit issues are the result negligence Chase servicer. since XXXX never had one day late paying my mortgage payment. my FICO score was XXXX I am presenting you with a copy of my FICO score from XXXX Due to all the problems I had with Chase Mortgage three of my accounts were closed by creditors because of the low score and 90-day mortgage late on my credit report.

my FICO score on XX/XX/XXXX XXXX only. 

I am also providing you with one page Chase reporting my mortgage late and XX/XX/XXXX as a part of this complaint
Product: Debt collection

For years I have gotten daily messages on my voicemail from " XXXX XXXX '' at Municipal Service Bureau saying he is calling to collect a debt. 
The calls come from phone # XXXX. I do not have any outstanding debts. I researched this on the internet and discovered this is a scam. Is there anything you can do to make these calls stop?
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.
Product: Debt collection

They collected a monthly amount very large auto pull out of my bank and never sent me any documentation on where the funds were going or how much I paid in full for almost two years. Then come to find out they said things they didnt hold up to and my debt ended up only going down XXXX $ and then all the money I paid went who knows where. In the end they sent me a letter saying I owed {$19000.00} to another company I never ever talked to and they transferred my balance with them which should of been returned to me not the loan company I never approved to have my money. The amount transferred was {$2200.00} on XX/XX/XXXX. Never returned to me to this day. Now they are on my credit report and I never even knew who they were and why I had a note on my mortgage from a company another company paid to service their loans. Please make this company remove the negative fraud information in all three credit reports oh actually they only reported to one I believe. Again at my weakest time in my life I was scammed by lies and theifs.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did XXXX   verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Product: Credit reporting or other personal consumer reports

I had an account with Bank of America over fie years ago, and I was sent a fake check in the mail from someone claiming to be my supervisor from employment that I thought was real work/job. It turned out the whole gig was a scam and the check that was deposited, or attempted to be was not a real check in good standing. That caused the bank to close my account, even though it was no fault of mine. I had no knowledge of knowing this was a possibility at the time. When my account was closed, there was a balance left that needed attention. I went to the bank, and closed the balance out for approximately {$200.00}. Once I cleared the balance, it was supposed to be shown in my report that the balance was cleared and the account was placed in good standing. Now, it's XXXX and this occured in XXXX. It is still a run around for a bank and XXXX XXXX XXXX to get me a letter or some kind proof that this is a resolved issue amgonst time and my payment.
Product: Student loan

at XXXX. on XX/XX/XXXX I had a major concern about my student loan through MyFedLoan. What raised an issue was when I checked my credit score and there was a HUGE drop and explained to me that my student loan was the cause of it due to a possible pass payment. So that's when I looked online on MyFedLoan and seen where I had a message about my IDR plan that I had already submitted when they sent out a notification stating I needed to resubmit the application. The letter I had received from them stated " We recalculated your monthly payment for your Income-Contingent Repayment ( ICR ) plan. We used your income documentation and family size to  determine your monthly payment of {$300.00} which is first due on XX/XX/XXXX. '' Now I assumed since I didn't receive anything about my IDR plan that nothing changed so I continued to pay my payment like I been doing. So to get things cleared up I called the toll free number. A lady that was super unhelpful basically told me the reason for the balance I had to pay for the {$300.00} was because I basically never resubmitted my IDR plan ( which I did I even have proof ) So she said that I needed to pay that for my IDR plan to basically get it back ( like a downpayment ) Then she as well stated that I didn't have to pay on my loans until XX/XX/XXXX XXXX possible graduation date ) due to the fact that I am back in school and my loans when into deferment ; however! I've been back in school since XXXX! I have no clue why it took them so long to process that and as well said when my loans go into deferment that they will have a huge impact on my credit score. So I still have questions about my IDR plan that I've summited before the due date, and she just keeps on telling me that I don't have to worry about any payments sine I am in deferment and KEPT on trying to explain to me what deferment meant, which already knew but she just wasn't answering anything I had an issue for. So I told her well I would like to still pay for my loans even though I am in school still that's when she sent me an email for the IDR plan to apply for which I ALREADY DID! The payment they wanted me to pay was not in my budget and I am honestly still confused and lost over the letter they had sent me about the repayment plan, plus I don't understand if my load was already in deferment then why did they send that out to me? I just have so many unanswered questions I felt like we were just going in circles with asking her things. Student loans already can be tricky and they don't make it any better
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX****, # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report on ( XX/XX/2022 ) states that my car note went up {$190.00} dollars! Ive contacted Ally Finance and they said that they dont see anything on my profile stating the increase. Ive been paying the same amount since I financed the car nothing has changed!