23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bmo harris bank is applying my payments to recocery fees instead of the principal balance. This is reflecting my payment as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over  and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Product: Debt collection

I asked for a loan on Speedy Cash service. And I got several emails from who I thought was Speedy Cash. I paid to an XXXX XXXX and XXXX XXXX an amount of XXXX dollars. With my debit card. And I come to find out later that It was a scam. Its been already 4 months since I filled this complaint. And I havent had an answer and I still owe speedy cash that amount. But I am not going to pay again for an amount I paid. The scammers were good, they sent my price of payment and that they were indeed from speedy cash. They first filed the complaint on XX/XX/XXXX. 
This was the email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXXXXXX 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 expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Product: Checking or savings account

XXXX i usually get my paycheck i called capital one and they said it was a technical issue and the problem would be fixed by the XXXX. It is now the XXXX and i still don't have my funds i have bills to pay. A child to feed and I still haven't received my paycheck
Product: Debt collection

Received notification of a XXXX debt from XXXX XXXX that was sent to collections back in XXXX caused by identity theft as I have never been a resident of XXXX. I was not informed until XXXX. I disputed it with Aargon Agency in XXXX XXXX XXXX, provided all the required information ; filed police report, proved I have been an XXXX resident since XXXX ( originally from XXXX  ). Agency told me that my account was successfully disputed. Just discovered on XXXX  that it is very much active and still destroying my credit. I am absolutely livid over this. They have not attempted any contact to collect this debt since speaking to them in XXXX  and it did not show up on XXXX XXXX where I typically check my scores. This has been secretly destroying me for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting alerts by email, about my credit. I have not applied for any credit with these companies and these inquiries are unauthorized and/or illegal!! My mom has an alert with XXXX, our cellphone company and it alerted us that our email is on the dark web and my name & Social Security number is too due to a data breach! 
I took the time to contact each company separately and neither one could give me any information on where this inquiry came from. The only course of action they gave was to the credit bureaus. However, the credit bureaus are stating I need something in writing from each company, before they can remove the unauthorized inquiries. The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit, insurance, Employment, Court Order. 

Since I have not applied for or done either of these, the unauthorized credit inquiries are related to none of the aforementioned permissible which are as follows : XXXX - XX/XX/23 XXXX XXXX  XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity.
Product: Credit card or prepaid card

I made purchase through cashapp on XX/XX/2022 for XXXX XXXX of {$120.00} through XXXX XXXX. 

The website states its same day appt but I havent heard from them, so I called and messaged them to have someone call em at XXXX but next me. I didnt hear back so I went to different provider and got medication for cheaper price. 

So when I messaged again for a refund, all of sudden the XXXX XXXX said they wont refund my money due to policy. They have no website about refund policy. So I asked cashapp for refund. Cashapp denied refund BECAUSE ON THEIR END IT SHOWES I MADE AUTHORIZE PURCHASE. they are so dumb. I never said i DIDNT make authorize purchase ; I said I didnt get my appt nor my medication so they need to return my money. I have proofs. Cash app is so stupid, honestly people shouldnt use cashapp as daily purchase transaction really, they are close to scheming scam.
Product: Credit card

XX/XX/2023 XXXX $ XX/XX/2023 XXXX $ XX/XX/2023 - XXXX $ XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX XXXX $ Goldman Sachs Apple Credit Card I have disputed these charges multiple times within the past year. My old friends used my phone and email and cards to purchase stuff that I do not have in my possession. I do not know the name on the pickup. I do not even live close to the pickup locations of these products.
Product: Checking or savings account

I made a deposit of XXXX it was a check drawn off a XXXX bank I went to XXXX bank first they did not have the funds available there and would have to order. So thats when I took to the navy federal which is my bank and was told funds would be available Monday. I requested the reason and they just keep saying its there policy. Ok but the email said something was suspicious so what is it. Its not and verified funds and available. Will post information below.

Important Info About Your Deposit We're delaying {$9700.00} of your total deposit of {$10000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit.

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXXXXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on this account with XXXX XXXX XXXX XXXX XX/XX/2019 & XX/XX/2019, what they are reporting. Both payments were made on time by a XXXX XXXX XXXX XXXX Representative over the phone. I paid this loan off 5 months before the pay off date. XXXX XXXX is reporting 5 late payments to all three credit bureaus which is incorrect. Please have this account removed from the three credit reports ( Experian, XXXX, XXXX Sincerely,
Product: Debt collection

Reference my CFPB complaint, ID # XXXX, to South Mississippi Collection Service ( SMCS ), submitted on XX/XX/XXXX ; and SMCS ' response on XX/XX/XXXX. A Medical Debt Collection Account has been posted on my Credit Reports by SMCS on XX/XX/XXXX. This Collection Account has a reported opening date of XX/XX/XXXX, in the amount of {$64.00}, original amount of {$46.00}. I am a XXXX U.S. Citizen and receive some limited State and Federal Medical Insurance Benefits. Apparently, the remaining balance, in the amount of {$46.00}, was not paid to the original Creditor ( XXXX XXXX  XXXX ) by my medical insurance ; A {$18.00} collection fee was later added by SMCS for a total of {$64.00}. Because of my XXXX Benefit fixed low income, the XXXX XXXX XXXX   XXXX setup a payment plan with me for any unpaid insurance medical charges. This payment plan was setup prior to XX/XX/XXXX ; but the XXXX XXXX XXXX   XXXX apparently still sent the unpaid balance to collection. The Fair Debt Collection Practices Act ( FDCPA ) requires that within 30 days of debt assignment, SMCS must notify me in writing, not phone calls, of this Collection Debt. I am AGAIN stating that I DID NOT receive any lawful WRITTEN DEBT NOTIFICATION from SMCS. I would have happily arranged payment if properly notified prior to reporting it to the Credit Reporting Bureaus. I submit to XXXX   that Collection Agencies need to STOP the practice of just reporting to Credit Reporting Bureaus under the guise that they gave a person lawful DEBT NOTIFICATION. A person 's Credit Report is nothing to PLAY with. The information on Credit Reports greatly influence a person 's livelihood ( ie., Mortgages, Rent, Loans, and even Insurance and Utilities ). I challenge SMCS to provide proof that I PERSONALLY received lawful WRITTEN DEBT NOTIFICATION, NOT PHONE CALLS, from them.. I receive all my other mail at my indicated home address. I have no problem with paying this Medical Debt, but I will seek lawful action if the the Collection Account is not IMMEDIATELY removed from my Credit Reports.
Product: Checking or savings account

XX/XX/XXXX To Whom It May Concern : ACCOUNT HOLDER : XXXX XXXX XXXX XXXX & XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( XXXX YRS ) XXXX PERSONAl My name is XXXX XXXX, customer of Bank of America for years, with personal and business, so is my college XXXX XXXX XXXX. 

Ending XXXX, I looking for second job online, at home, since I do that anyway. I finally did XX/XX/XXXX to being after XXXX XXXX XXXX. 

I got job as a XXXX XXXX & XXXX accounts at XXXXXXXX XXXX XXXXXXXX. I am enclosing all the documentation here. I got hired and they asked me to send them for XXXX XXXX, like everywhere else. After submitting all, I started legit my job. On XX/XX/XXXX, with documentation being prepared since XX/XX/XXXX. 

XXXX XXXX, head of hiring XXXX XXXX XXXX, was XXXXne I was dealing with. I got my 3 check that week. First set bounced, so they send them again, bank tells me no funds. Of course quit job, but reality is I had money in Bank of America, so I was the only victim of this. I am XXXX XXXX XXXX never ever bounced a check. Heres how it all happened ( attached all details ) I was a victim Fraud. I understand bank politics, and I am personally working with Law Enforcements In my bank America I have 2 accounts belong to me, one to my son who is away college. Bank of America is closing my account, and my college son who has his own account, although I didnt do anything wrong, in fact I can not remember last time I deposit check. Bank has been processing closing all our money. I am gon na get evicted, I been borrowing money to eat, and my son XXXX years in XXXX XXXX with no money, doing like I am doing borrowing money t olive, although he has in his account his college funds, he needs them asap. 

BOA keeps saying two weeks, I go bank daily, I call XXXX 4 times a day and I never get same respond. I made plice report about company XXXX XXXX. 


Been banking with them long time without any issues. I dont owe them any money, because I have money. I have personal account only because they close accounts can not do transfers. They are telling me to get funds back could take up to 90 days. 

I request to pick up funds, because i can not wait another week. 

I was the victim, checks were return company. Please help me, yes I was robbed, but thats another story. I need bank close send my college kid his money, and mine t olive. 

It has been a month already, we are gon na be homeless, bank has their money, they took it from me, plus have other money. 

Please help Thank you so much XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have unauthorized accounts and inquiries on my credit report that were not opened by me. 
unauthorized 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 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, credit repair services, or other personal consumer reports

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

on XX/XX/XXXX I contacted 5th 3rd Bank Mortgage pay off Department. I asked them to send me a Mortgage Loan Pay Off letter and expressed to them that i was enclosing a settlement insurance check which i endorsed to PAY OFF MORTGAGE LOAN. 
I sent Check to Mortgage XXXX XXXX XXXX Department with Letter requesting Mortgage Loan be paid off. Check amount was higher than Mortgage Pay off amount, so i asked them to process Pay off and sent me back additional balance from check. I was told it will take XXXX to XXXX days for payment to be processed. Kept calling and after waiting over XXXX minutes on telephone and transferred to different people and getting disconnected and was told again that payment was being processed to wait another XXXX to XXXX days. Called up again and was told check had not been processed, that someone left it on hold but not to worry because in another XXXX days payment will be processed. On XX/XX/XXXX got an email from LOSS DRAFT DPT. asking me for information about repairs in my House. It was XXXX  and bank Mortgage Dpt. was closed. On XXXX XXXXXX/XX/XXXX around XXXX PM a Lady called me and told me i did not have to provide additional information because Mortgage was being paid Off. After Lady from back called me i started getting several emails asking for additional documents. 
Called Bank on XXXX XXXXXX/XX/XXXX around XXXX AM and again i was told no additional documents are needed to process Mortgage Pay Off. 
XXXX  XX/XX/XXXX got several emails asking me again to submit additional documents. 
This is ABSURD! They Cash Check and put it on an escrow account. Instead of processing Mortgage Pay Off and sending me overpayment money back to me. 
I don't understand why this people are withholding my money and are ignoring my request to PAY OFF MORTGAGE LOAN so many times. 
CAN YOU PLEASE! HELP ME! 
THANK YOU!
Product: Student loan

When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.
Product: Credit card

This is a letter detail the attempted fraud I sent to Bank of America... 

Dear BOA representative : I want to relay what appears to be an identity theft attempt on me that centered around Bank of America. I received a phone call this afternoon from a person who identified herself as XXXX, a BOA employee who wanted to alert me if a fraud attempt. She was calling me from a XXXX, Az. Number XXXX. Im hopeful that number is useful in getting to the bottom of this. 
She told me that a person named XXXX XXXX from XXXX, XXXX, had attempted to use my social security number that ended in XXXX ( her words ) to open a BOA credit card. She said the card was opened and ended in XXXX. I told her I did not apply for a new card and had no idea who XXXX XXXX was. She asked if I wanted to have the card process stopped, and nullified, and I said I did. 
She claimed to have taken care of it, but wanted me to talk to the XXXX XXXX XXXX ( there is such an entity, but its the XXXX XXXX XXXX. I was growing very skeptical at this point, and informed her it was bureau, not agency, and she said no matter, it goes by both names. 
She told me she wanted me to have the following two numbers before she transferred me to the agency, or bureau : Confirmation Code : XXXX Case ID XXXX By now I was more skeptical, but gave the OK for her to transfer me. I told the person I was transferred to that I was growing very skeptical and asked her how I could know she worked for the XXXX XXXX. She told me she was trying to keep my personal information safe, and told me the name of my mortgage company and the correct amount of the loan. She said she would give me her name, and a number to call back to reach her, to convince me of the legitimacy of her efforts. 
She claimed her name was XXXX XXXX and her number to be XXXX, ext. XXXX. I did call back and a receptionist routed me back to XXXX XXXX. She said I now must be satisfied this was a legitimate call, and I told her absolutely not. I said she could have given me any number and arranged that if I called back it would be routed to her. 
She grew angry at that point and said if I did not believe she was trying to help me on behalf of a government bureau there was nothing more she could do. She then hung up. 
I subsequently called Bank of America from a number on the back of my credit card and was told there was no evidence that someone had attempted to open a card. They had no record of XXXX XXXX. 
I also called the XXXX number listed above, and got a BOA recording. But when I attempted to use the prompts to reach an employee, I was cut off. 
Its elaborate with names, case files and some of my personal information. Im hoping the information helps you to get to the bottom of just what this is. 

Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXXXXXX XXXX XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter.
Product: Credit card or prepaid card

Started from XX/XX/2020 until now and it was two the value of XXXX and it could be more I deal with XXXX XXXX XXXX and I don't have a receipt or all the purchases