23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had utilized the services of XXXX XXXX XXXX to satisfy my credit card debt. Last Thursday, when I was checking my credit report, it listed one account, XXXX XXXX ending XXXX XXXX as being delinquent even though we settled this account back in XX/XX/XXXX and a second account, XXXX XXXX XXXX account ending in XXXX as being derogatory even though this was settled back in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Please see the attached document describing how I was defrauded out of {$6500.00} by the Bank of America and one of their account holders for the purchase of a vehicle that never existed. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate bankruptcy record under Equifax that does not belong to me. The details of this erroneous entry are as follows : Bankruptcy : Dismissed XXXX, Date Filed/Reported : XX/XX/year>, Reference # : XXXX, Court : US DISTRICT. This record is incorrect and does not pertain to me. I request an immediate investigation and the removal of this inaccurate information from my credit report. Please provide confirmation of its deletion and an updated copy of my credit report reflecting the correction. Thank you for your prompt attention to this matter.
Product: Bank account or service

In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported.
Product: Vehicle loan or lease

XXXX contacted XXXX XXXX and told them that they had XXXX pending charges for my car payment and it should have only been XXXX. They told me to wait a couple of days, and I would see the refunded. I waited and both charges posted to my account. I called them again, and then they told me that because I used an ATM card, they could not credit my account. I called with my bank on the phone stating that I do not have an ATM card and it was my regular debit card. XXXX XXXX stated that my bank would have to request a refund. My bank XXXX XXXX ) stated that they could do an investigation and it could take up to 90 days. This could not benefit me because I would have payments due during that time. I was told by XXXX XXXX that my next payment would now be XX/XX/XXXX. On XX/XX/XXXX, I started receiving calls from XXXX credit stating that my XXXX payment is due. They stated that they refunded my account on XX/XX/XXXX. I called my bank and they searched and no one could find this refund. On XX/XX/XXXX, XXXX XXXX states that I need to submit something in writing from my bank stating that they never received the refund. The only evidence XXXX could provide was a confirmation number which my bank told them was not seen in my account. This finance company is a scam. If you read the complaints on the XXXX  and XXXX only responds with a scripted letter to every complaint. If I had not paid them, I would have to pay late fees. What are they giving me for my time and money they have had to draw interest.
Product: Money transfer, virtual currency, or money service

This is not the way to do business as your policy says that any account that gets locked by cash app so to that every account the user will be able to regain access within 24 hours back but in my case my account been locked since a month and its not the first complaint only I really got tired now for writing you the emails to unlock my account and Im not been able to see any response since a month and all my funds are stuck there and I have not been able to cash app all my money back into my account I have to pay my bills and dues and you didnt care about that neither you are responding on my case i guess you should return my money back as soon as possible and after that I think I should stop using cash app anymore in future and I think I want to share my experience with my friends and family so that they should also stop using cash app so that they will also not face the same problem please let me know as soon as possible when are you taking hold from my account so that I can use my funds back and I never face such a bad experience in my life and I got to believe now that this is one of the worst app that I shouldnt have used
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I paid {$17.00} for a forehead thermometer never received, never shipped despite phone tracking # given to me & several other ebay buyers. Paypal refused to process refund, so I cancelled claim to enable me to file ebay buyer protection claim. 
Paypal violated policy by refusing to release claim to ebay in a fraudulent attempt to deny me right to file that claim which ebay had processed successfully for those other buyers.
Product: Credit card or prepaid card

Square inc is the company my small business uses to process customers monthly payments. Square took roughly {$8500.00} from a client 's account on XXXX, XXXX. I kept charging the client because I didn't think the payment cleared. Square has the money and I have to come up with {$8500.00} that I do not have. 

I finally got a hold of someone at Square and they said it was from a dispute in XXXX. The account they put the money in I do not recognize. I bought the business from someone else. They said the accounts are linked. They need to put the money back immediately.
Product: Checking or savings account

I made the mistake of helping a gentleman that I was doing business with out of the kindness in my heart. I had a business account and personal account with Bank of America. There was a guy working for me and my father named XXXX XXXX. We chose to overlook his XXXX XXXX and give him an opportunity to remodel my fathers home. XXXX had a check one Friday for XXXX dollars. I allowed him to sign the check over to my business. The check took around 5 or 6 days to clear. Somewhere along the line either XXXX contacted BOA and told them the check is stolen, or BOA contacted XXXX to verify. My account was closed by BOA. BOA treated me very poorly. XXXX stole XXXX cash from our home a week or two later. We have lost big time.
Product: Debt collection

This company by the name of Williams and Fudge , Inc. out of New Jersey keeps calling me to collect a debt for a prior Student Loan that's in collections. They are calling for a person that's not me ( I got a new phone number years back and have had other collection agencies calling for a different person in the past ). 

I paid off all my student loans 7 years ago and do not owe any student loan agency nor have a student loan not paid that's in collections. 

This company has failed to provide any documentation or proof of any debt owed. They keep calling from different New Jersey phone numbers and harassing me. I have never owed anything to any company located in New Jersey. 

This company has many other complaints online about calling for student loan debt not owed by the person and refusing to provide any tangible proof of the debt owed.
Product: Credit reporting or other personal consumer reports

I have an account with SYNCBXXXX XXXX XXXX that is currently reporting on my credit file as both " charged off '' and " in collections '' with a balance of {$1300.00}. The account appears to be closed but is still updating regularly, which is damaging my credit. 
I am not in any repayment arrangement, but the account is being reported in a way that makes it appear as if it is still actively delinquent or accruing late payments. This is misleading under the Fair Credit Reporting Act ( FCRA ), especially since the account was already charged off and closed. 
Additionally, I have not received any documentation clearly explaining the current status of the account or who is managing it now. If the account has been assigned or sold to collections, the credit report should reflect that accurately. 
This reporting is negatively affecting my ability to qualify for credit and is not presenting a fair or accurate view of the account 's true status.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME  XXXX XX/XX/2020 TD BankXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Beyond Checking Bonus Offer Account XXXX To Whom it May Concern : On XX/XX/2020, I applied online for a Beyond Checking account at TD Bank , N.A . ( the Bank ) in response to an offer to Earn {$300.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times throughout XXXX and XXXX to request payment. 

As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

i would like my all my money refunded into my account.
Product: Debt collection

I have three accounts in my name with XXXX XXXX. One was paid off they agreed for it to be removed from my credit but they only did it with one credit bureau at the begging of the year. After disputing this account a few weeks ago they refused to remove it with at least one credit bureau the other one Im waiting on a response. The other account of approximately {$88.00} they claim they have send me a notice but I never saw it. I asked for them to resend it but they will not send it. I asked for contact information for the original creditor they wont give it to me. I have called the hospital and Their billing office does not have any records of that bill. As for the other account of approximately {$45.00} I have no dependents or kids and I never agreed to pay for any medical bills at the hospital. But they still harass me for it. I feel like because I have been constantly calling to get these things resolved they have blacklisted me that is why they are making sure that the medical bill that was paid off stays on my credit. They make me feel bad for not being in a position to pay for it. And they refuse to have me talk to someone above them. They actually hang up on me just because I wont accept the fact that they will not provide me the information I need. I have emailed them but have not gotten a response. They tell me we did not get return mail on the new {$88.00} bill so that means you received it. I feel like at this point they are just acting on their emotions and trying to ruin my credit just because they do not like me calling them and asking questions. They promised me on phone calls that the paid off bill will be deleted but they only did it through XXXX. And now I feel that because i keep calling and asking they are just not going to do it. I feel that they are being spiteful and just because they know they can ruin my credit they will do whatever it takes. At this point I know they are just waiting for the 120 days to be up so they can put it on my credit as a charge off. And the longer I wait for them to talk to me the more Im running out of time. I can not wait anymore for a response I would like to get things resolved.
Product: Money transfer, virtual currency, or money service

I, as well as my family, XXXX family, bank with Chase Manhattan. Chase Manhattan has engaged in attempted assault and grand larceny as well as elder abuse. We want to move our money to XXXX  XXXX XXXX or XXXX XXXX XXXX. Chase has blocked access to a {$2000.00} bank transfer and deprived us of banking services. Chase from the XXXX Branch, XXXX XXXX XXXX, XXXX, NY XXXX. This branch has engaged in repetitive grand larceny issues, closing bank accounts illegally. They also cancel bank transfers and refuse to give us access to our own money. This branch also refused to investigate a forged check related to third party access from XXXX XXXX and other third parties. They also remove names illegally from assets and bank accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX APT XXXX, XXXX FL XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year> XXXX. Previous Address ( es ) : XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employers : XXXX XXXX
Product: Debt collection

I have reached out to this creditor. This debt was a result of identity theft. I have requested documents to verify who opened the account and have not received anything. I have also requested removal of this debt, and the creditor did not respond.
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO KEEP REPORTING BOTH OF THESE ACCOUNTS AS " PAYS AS AGREED '' WHEN BOTH HAVE BEEN PAID OFF & CLOSED! KEEPING THEM IN A STATUS OF " OPEN '' HAS LOWERED MY SCORE TO XXXX! THE CREDITOR TRIED TO CORRECT THE PROBLEM BUT EQUIFAX REFUSES TO OBLIGE. I REPORTED THE CREDITOR AGAIN TO THE XXXX  IN ORDER TO GET THEIR ATTENTION ON THIS MATTER & REQUESTED THEY DELETE IT & DISCONTINUE DOING BUSINESS WITH EQUIFAX SINCE THEY'RE TOO INCOMPETENT TO REPORT INFORMATION ACCURATELY! SEE ALL ATTACHED INCLUDING THE FCRA LAW THAT STATES IF THE INFORMATION CAN NOT BE REPORTED ACCURATELY, WHICH IT HAS NOT BEEN ON EITHER ACCOUNT, THEN IT MUST BE DELETED OR THE CONSUMER HAS THE RIGHT TO SUE THE BUREAU & CREDITOR. THAT IS THE NEXT STEP FOR ME!
Product: Student loan

Between XXXX and XXXX of XXXX, i attempted to have my payments re-structured, to help lower the payment. I had come into some bad health issues at the end of XXXX, as well as moving home XXXX miles from XXXX due to these health issues. I did not want to put it into forbearance if i could've avoided it, but my income had become drastically smaller and throughout this whole process, i was missing payments. 

I am back in good health now and have started an XXXX program and now me and Fed Loan servicing seem to be on good terms. I am trying to start my life over and these missed payments from XX/XX/XXXX - XX/XX/XXXX are keeping from being able to do that. I only want a chance to live a normal life and i do not think that punishing someone for XXXX XXXX years because they were sick and unable to make payments for a few months is fair. 

If you will look on my credit report, there is evidence of payments to them up until XX/XX/XXXX, though in my attachment, the payment history downloaded directly from my Fed Loan account reflects no payments made on the loan. I can find bank statements if need be, but it proves Fed Loan not only is incorrectly reporting missed payments, they don't even update their own statements to reflect true payments. Those 7 months should have reflected a deferment but instead have damaged my XXXX XXXX tremendously as " missed payments. ''
Product: Debt collection

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them.
Product: Debt collection

The companies involved are XXXX XXXX and Radius Global Solutions. 

I received an invoice dated XX/XX/2022, from XXXX for {$50.00}. I used my banks online bill payment feature to send a check dated XX/XX/2022. The cancelled check shows that XXXX marked it for Deposit Only and deposited it on XX/XX/2022, at which point it showed as cleared with my bank. XXXX billed me again on XX/XX/XXXX, which arrived around XX/XX/XXXX. I just made a note to myself that I had already paid this and it was cleared. XXXX billed me a third time XX/XX/2022, saying that it was the final notice before they turned it over to a bill collector. I sent a copy of the invoice back to them with a note saying that I had already paid it, and with a copy of the payment that my bank had sent. I did not hear anything else until today, so I assumed that XXXX had gotten its act together. I say that because the previous time Quest billed me, late last year, I also had to write them repeatedly proving that I had already paid. 

A few weeks ago, I started getting multiple calls a day from a Radius Global Solutions, never leaving a message. Since they were a debt collector, and I owe no debts and had nothing in writing about a debt, I did not take their calls. ( I would never respond to a caller claiming to be collecting debt. ). Today I received a bill from Radius Global, saying that XXXX had turned the bill over to them. I will be sending XXXX and Radius Global copies of all the relevant documentation, including a copy of the cancelled check, along with notice that I have filed this complaint. This is no way for either company to run a business. 

I am opting not to attach the documents here because of the personal information contained in them. Note that Radius Global claims that my account number with XXXX is a different number than what appears on my XXXX bills.
Product: Credit card or prepaid card

I just noticed in an email from XXXX XXXX that there's this collection on my credit report. I would like this to be removed from all 3 agency. I have never signed nor have i applied from a XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX when this card was open, I have proof. Which i will be attaching a police report. I couldn't XXXX  or XXXX or XXXX  nor hold a pen in my hand. I didn't sign nothing or provided my information to be used by no one while XXXX XXXX XXXX XXXX XXXX. I had to have help XXXX  myself. I would like this remove from my credit report. I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also had other credit cards as well student loan for over {$80000.00} and XXXX card and Bank account in my name that's has been removed after receiving the police report as well my doctor hospital papers. Please Remove from my reports Thanks as Well I attached hospital paperwork in XXXX file. I XXXX XX/XX/2020, and I shouldn't have to go through this process on the count of Fraudulent cards and student loans open up in my name. It still feels like I'm in the XXXX dealing with these companies of removing fraudulent things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


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: Debt collection

Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX  XXXX XXXX XXXX XXXX   I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX  is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again. 

They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response. 

Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes. 

Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher. 

Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights. 


This is the information to the law office trying to collect the debt for LVNV funding. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX