23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX party debt collector has reported to my credit a debt and I have repeatedly sent them letters advising them to cease and desist this collection activity as I do not deal with collection agencies. I advised them that if they were going to continue to report or try to collect this debt that I required they send me a copy of the Surety bond that they had to have purchased and filed with the secretary of state in order to legally report this debt and the date of the bond would have to correspond with the date that this agency began its collection activity. Per the law below that is my right. 
According to the Texas Consumer Law and Texas Debt Collection Act, Subchapter B ; Section 392.101 ; a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in the state of Texas. A copy of the bond must be filed with the secretary of state. The bond must be in favor of any person who is damaged by a violation of the chapter and the bond must be in the amount of {$10000.00}. 
If you persist in collecting this debt please supply the surety bond number and the date of when the bond was filed with the Texas Secretary of State. 

Section 624 [ 15 U.S.C. 1681t ] states that you must comply with Texas State Law. 

Since it is my policy to neither recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

After all of my attempts to get this collection agency to send me this info or delete this item from my credit, they have ignored. I even sent my last letter certified, signature return receipt. 

I am a licensed mortgage loan originator and now my license is being threatened because of this reporting. I do not owe this company. I have never entered into a contract with them. They purchase my debt as a third party from an original creditor that no longer is collecting or reporting this debt. please help me get them to delete this erroneous information from my credit report before I lose my license.
Product: Vehicle loan or lease

Ally Finacial was paid and payments were not shown correctly, This account has been closed and Paid in full agreed to contract, I wish to have these late payments reversed and have tried reaching out to Ally they have sent me directly to the CRA
Product: Debt collection

1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous Inquires to my Trans union credit report by this office on XX/XX/22. I tried calling back there number and the phone call will not go through. Thinking that this is a scam business.. Called Trans Union and my credit report has been frozen.The same company goes by 2 company names. I Place XXXX and Consumer Info. I have had numerous harassment phone calls from area code XXXX. I have reported this area code to FTC numerous times for calls. Information shown on credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Phone number XXXX XXXX XXXX XXXX via I Place XXXX XXXX via Consumer info
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 XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I opened my account on XX/XX/XXXX based on a promotion that said I would get 2 % of my direct deposits in cash up to {$60.00} per month and {$720.00} total. I set-up direct deposits and deposited {$2500.00} 2 x per month into my new account. I have been doing this from Mid XXXX through to today. On XX/XX/XXXX, I went to their online chat to understand the timing of my rewards. I was told that I had not signed up for the {$720.00} reward ( even though I used the post card that offered that reward to sign up ) but I had in fact signed up for the {$470.00} reward which pays the {$470.00} at one time if direct deposits continue for 3 months. I continued to meet the criteria of making the direct deposits which on XX/XX/XXXX HSBC confirmed " I do see that you have met the requirements for this Bonus. However the funds have not been deposited yet, so I will raise a case with the Bonus support to check with them what is the issue and delay. '' Then it took until today XX/XX/XXXX for them to respond to that inquiry filed on XX/XX/XXXX at which point they claimed that " The account was not opened using the campaign page and hence it isn't eligible for the welcome deposit. '' even though it was both confirmed on XX/XX/XXXX that I had and on XX/XX/XXXX that I met the criteria. I would like the {$470.00} welcome bonus which I was told several times I was entitled to.
Product: Money transfer, virtual currency, or money service

In XXXX of 2020, I replied to a listing on XXXX for a studio apartment in XXXX, XXXX. After discussing the plans with the " owner '' he explained that there would be a third party service involved to secure the transaction and provided me ID to insure transparency. I was provided legible documents such as : an invoice, rental agreement, and insurance policy. All documents were claimed to be approved by valid representatives of XXXX, a company by XXXX. The owner explained since he lived in XXXX that XXXX will lead me to the next steps to receive the rental package XXXX keys, documents, etc. ) After receiving emails from the third-party company XXXX, I submitted a payment of {$2000.00} through XXXX. XXXX XXXX & Last XXXX XXXX After receiving the confirmation of payment, I was told I would receive tracking on the rental package. I was soon told that the terms and conditions changed recently for United States rentals and I needed to submit a payment of {$1000.00} through XXXX as a safety deposit. I was told that this would be returned to me after the XXXX inspection period. I have not heard from the owner company and have not be able ti contact them. The rental package never arrived, nor did I receive tracking or a refund.
Product: Credit reporting

Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.
Product: Debt collection

On XX/XX/2017 I was involved in a car accident in where I was at fault and I didn't have insurance at this point because I had just gotten the car, police then arrived on the scene ( because the people I hit called them to make sure everything would go smoothly ) the police then issued me a ticket and I was ordered to go to court. I went to the court date and was ordered by the judge to pay all fines including their deductible on their vehicle and did that in a timely manner and I was made to believe that everything was settled in court. Yesterday I received a call from a women at Wellman Weinberg and Reese company LPA.  She was very rude, threatening and abusive from the very start of the phone call, she then proceeded to tell me that I owed over {$3000.00} to the insurance company of the individual that I got into the car accident with. I tried to explain to her that everything was settled in court and that this happened almost a year and a half ago, she proceeded with being rude and threatening with no explanation.. She again threatened me with a lawsuit with zero explanation other than " That was the law, this is the insurance company ''?? I continued to try and argue the point that this happened going on two years ago now and she gave no explanation in return ... She continued to be extremely rude until she hung up on me and then I received one last threat of a lawsuit and was hung up on. I would appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- XX/XX/2020. XXXX and XXXX XXXX XXXX XXXX both companies run by XXXX XXXX reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, Experian sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.
Product: Credit card

my business is in California, but I live in Arizona, I wanted to have a get togther and business meeting, a family friend recommended a pizzeria that provides such services. The owner of the place request to have who amount upfront plus to put a credit card on file. Since it was a referral did not make much of it. Deposit was to be around XXXX. However, problems started from there, few days later I looked and i was charged around XXXX, when i contacted the owner via text message he said he will look into it and get back to me, but the issue was not resolved. I started to get frustrated and asked to cancel the service all together. XXXX or XXXX asked for a week to refund I said okay. Two weeks later i filed a dispute with my bank and sent them the text messege which included information about correcting the amount charged and the he will refund. Bank came back to me stating that I was actually there and used his services. I explained to the bank I was in a different state. They send me documents that I signed the reciept, I told them that is not my signature, and that I have also been banking with them and they can see that my signature has been different. Until today i have not got my issue resolved and its still pending investigation. I opened a complaint with XXXX XXXX  Office of Consumer Protection Agency but I havent gotten a response, either. 

Department of Consumer and Business Affairs. 

Your case number : XXXX This issue is with Chase bank XXXX 

Please advise what I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 thru the present XXXX XXXX XXXX XXXX has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, XXXX XXXX XXXX XXXX has intentionally turned my credit card account over to a Collection Agency ARS who would has demanded payment. 

To date XXXX XXXX XXXX XXXX continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy XXXX XXXX XXXX . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.
Product: Checking or savings account

Since XX/XX/2023, I have attempted to stop automatic payments from my checking account with my bank and the lender. The disregard created a financial hardship.
Product: Bank account or service

Upon opening a joint Capital One Account for my XXXX year old son in XXXX, I opted out of Overdraft Protection by signing the appropriate paperwork. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. And at no time did my son and I ever opt in for overdraft protection. At this point it is about {$1500.00} worth. They said that we " opted in '' in XX/XX/XXXX, but have been unable to prove that point. Even if we had opted in in XX/XX/XXXX, the original wrongly charged overdrafts if they had n't been taken out of the account, there would be enough money to cover debits and therefore NO overdraft charges should be assessed in XX/XX/XXXX. I called Capital One Banking on XXXX XXXX XXXX and they reversed XXXX fees and said they would research the rest and get back to me. After five unreturned phone calls and over three hours waiting on hold and countless messages left, on XXXX XXXX, XXXX I visited Capital One on XXXX XXXX in XXXX and met with XXXX XXXX, Bank XXXX. He promised me resolution in a week. As of today there is no resolution and he is still " gathering '' documents. He also told me that it was my responsibility to check my bank statement and if something was wrong to bring it to the bank 's attention in a more timely manner. He indicated Capital One could n't be liable for something that I had n't noticed sooner.
Product: Credit card or prepaid card

I received a 0 % rate on promotional checks from Chase credit card. I used {$530.00} to write myself a check and deposit to our XXXX account to buy a powered bed base for my XXXX  XXXX. After I bought the item, Chase blocked my XXXX  XXXX XXXX the funds coverage, so XXXX  XXXX XXXX just took the funds out of our bank. Chase 's reason was because the checks they sent didn't match the chase card #. The reason it didn't match is cause they're always sending a new card out, but it's still all on my account. Their final reason : that promotion is not offered on the new card ... .even though it's NOT a new account, just a credit card issued with different numbers. So I knew they got me, I used the {$530.00} then they backed out of paying for it even though they knew the new credit card was still using the same account. XXXX   XXXX always updates our cards, and occasionally sends us promotional checks, but they never gave us a lame excuse the checks did not qualify for the promotion just because the debit or credit card numbers changed! I'll be reporting them to the Federal Trade Commission as well, pay off the account, and close them.
Product: Debt collection

I received a phone call from XXXX XXXX about a past due bill of {$230.00} on a account that should have been closed XX/XX/XXXX. I was told a phone was purchased in XXXX. XX/XX/XXXX sometime in XX/XX/XXXX and I explained it was fraud, I was not living in XXXX. at the time and lived in XXXX. I asked for them to explain how a phone could be purchased on a closed account and produce my signature or authorization they could not. The phone wasn't even being used with the number XXXX that was in question. I never received a bill and I was not contacted again. I moved back to XXXX. in XX/XX/XXXX and XXXX. was noted as owed dept. I went to the police station and made a police report and sent it to XXXX. XX/XX/XXXX. It was removed from my report. XX/XX/XXXX I received my report and Credence Resource Management posted a owed dept to all credit bureaus {$230.00}. I contacted them, told them this same thing they said a authorized user made the purchase and I told them that is impossible because I didn't live in XXXX. at the time the phone was purchased. I called XXXX XXXX and they said they would investigate. I told them it has been investigated, I sent a report and mailed it AGAIN to XXXX XXXX. I was told I would receive a call back and have not. I got a credit report XX/XX/XXXX and they reported it again. At this point I feel harassed and I have taken the necessary steps to prove this is fraud. I don't want to deal with this anymore.
Product: Credit card or prepaid card

Advertised 5 % for airlines and i have been receiving only 1 % for last 18 months, thats an estimated loss of close to {$5000.00} in points or XXXX points. I fly 3 times a week and when i finally saw this screen hidden deep within their website I came to realize they have been scamming me for last 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the fair credit reporting act XXXX  BARCLAYS BANK DELAWARE, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I signed up for US Bank checking account with {$400.00} bonus in XXXX I took a screenshot as the proof that I put the promo code when I opened the account, I finished the required direct deposit as the requirement for the sign up bonus. And I contacted them in XXXX to see why I haven't received the sign up bonus they said they will create a case but I never hear from them after receiving my bonus.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find false accounts on my credit report, and I cant understand how this happened. I review my credit regularly, but today, there were mistakes that seemed to appear out of nowhere. Hoping it was just a glitch, I refreshed my browser several times, but nothing changed. The inaccuracies were still there. Im now asking for a thorough review of the documents Ive sent so I can finally feel at ease and stop stressing over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance stems from a problem with an associate at the store while it was still open and the manager advised he would fix and credit the incorrect charges to my account.
Product: Credit card

I paid my credit card payment at XXXX on due date XXXX XXXX 2015. The summary said payment was madeXXXX and will post on XXXX XXXX 2015. Barclay credit card has a cut off time of XXXX for payments. All of my other credit cards have a XXXX cut off and this is hard to remember. My statement arrived and has a late fee of {$37.00}. I called Barclay and ask for a refund. They said the payment was made at XXXX and refused to give me a refund. This is ridiculous that I have to pay a late fee for XXXX minutes over. I am requesting that fee to be refunded. The late fee was posted XXXX XXXX the due date.
Product: Mortgage

my HOME loan was with RUSHMORE they trasfer my loan to Another bank specialied loan service they ask me extra charge me more sending wrong report to credit beauru why not ask me i pai on time my all monthly payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 3 months to get an accurate credit score from equifax and they keep sending me in circles and will not allow me to monitor my credit. I have paid XXXX 3 times through equifax to say they cant pull it and XXXX 3 times through XXXX 3 credit monitoring and still is unable to get it. Also I tried to use XXXX XXXX which also wont update. This is Frustrating I am trying to repair my credit and buy a house and they are holding me back.
Product: Debt collection

i got a letter from Medical recovery services, they threatened to have the sherriff to garnish my wages and levy my property, furniture, vehicle, etc. threatened to sue metake anything i own. they should already know im on social security and ssi. the amount is wrong too, the amount i owed the ambulance was around XXXX, the letter was from a place in XXXX  XXXX idaho. not sure who really has this account.