23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the   XXXX   XXXX   XXXX   XXXX   . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the   XXXX   XXXX   XXXX  . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you
Product: Debt collection

I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. 

First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been XXXX for the past 13 years and I am currently an XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my XXXX I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX  XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter
Product: Credit card or prepaid card

The GAP/The synchrony Bank without permission, placed my billing under the billing which means, I DO NOT RECEIVE ANY PAPER STATEMENTS. If I didn't see that one email i would have never of know about a bill that was due because it was never mailed to me. I have been receiving paper statements for over 10 years. 

This is what I wrote to GAP ; XXXX, you don't have a right to change my billing to ebilling without consent. I spoke with a rep at synchrony bank and was informed that the change was made on XX/XX/2020 at XXXX. I never consented to this. I will me filling a complaint with the FTC as NO CONSENT was allowed to change the billing delivery from paper statements to e- billing. This would of caused problems as DO NOT have access to a computer.I 'm requesting for 30 % off promo code for the hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting Act 15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 It so states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any for purpose.
Product: Credit card or prepaid card

I awoke to 4 or 5 emails telling me that I had an application to Bank of America for a credit card and that it was approved and my information was changed. I tried contacting bank of America but keep getting kicked back to an automated message because I don't know the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX, XX/XX/2017 Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX 15 U.S.SC 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 an account without my written permission.
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

A creditor is enforcing a lien filed against my businesss receivables, which identifies me as a secured party. 

This lienholder is seeking repayment for a debt I have nothing to do with. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency. 
it is not lawful to place a hold on my Cash App account. This means that I wont be able to transfer any funds from my balance. 

All funds are held in my Cash App balance
Product: Credit reporting

On  XXXX   XXXX  ,2017 I sub mitted a dispute to all three CRAs. I have received the results from  XXXX  and  XXXX , but not Experian. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  XXXX    XXXX   XXXX   XXXX    in Court. Ea ch report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date.  XXXX  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.  XXXX    XXXX   has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX  distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this agency. I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report. This company also seems to have committed identity theft due to myself never doing business with them about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
Product: Debt collection

I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are XXXX erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount that they opened for. XXXX XXXX XXXX  # XXXX {$1000.00} opened XXXX ; XXXX XXXX  # XXXX {$41000.00} opened XXXX ; XXXX XXXX # XXXX {$45000.00} opened XXXX ; XXXX XXXX XXXX # XXXX {$560000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX {$3000.00} opened XXXX ; XXXX  XXXX # XXXX {$14000.00} opened XXXX XXXX ; XXXX XXXX  # XXXX {$2200.00} XXXX XXXX ; XXXX XXXX  # XXXX {$11000.00} XXXX XXXX ; XXXX XXXX # XXXX {$6100.00} XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX # XXXX {$8600.00} XXXX XXXX ; XXXX & XXXX # XXXX {$320.00} XXXX XXXX ; XXXX XXXX XXXX  # XXXX {$450.00} XXXX XXXX. There are also XXXX inquiries showing on my report I will list the bank and the date the inquiries were made. XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 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: Consumer Loan

On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.
Product: Checking or savings account

I transferred {$5000.00} to Citi Accelerate saving account via ACH a month ago ( XX/XX/2023 ) and the money was flagged by their fraud prevention department. Then they closed my savings account without any legitimate reason. They did not tell me why. They just said I violated the rules. but I 100 % sure I did not do anything illegal. The only thing I did was transfer the money to their account. They asked clients to deposit a huge amount of money to get the sign on bonus and then they just close their accounts and hold their money. This is how Citibank scam their clients! There are ton of victims that have similar situation on XXXX. Citibank closed my account and had holding the remaining balance of around {$15000.00} which is my emergency fund for over a month before sending back to me. I had been calling and sending emails to get my money back almost every day during this period of time, and it really XXXX  me out, I couldn't sleep well everyday. I still don't know why I deserved this? 

Did I do anything wrong? 
Did I do anything wrong? 
Did I do anything wrong? 
Citibank Please tell me which term I violated and why you treat your client so badly. why I deserved this? why? 

Also, they are goingto close my credit cards as well. My credit score will hurt badly. and I got XXXX TYP points left in that account but I can't redeem as they froze it.
Product: Checking or savings account

The check was approved for deposit, I was advised to destroy the check and monies would be avail XXXX. Then I get an email saying After an in-depth review of the check deposit ( s ) you made on XXXX XXXX, 2023 into your account ending in XXXX, we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of {$1400.00} until XX/XX/XXXX. Which sounds like the same info. 
Then on XXXX I get an email from the security dept. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. I reply asking whats going on and never get a response.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file an official complaint against XXXX and EXPERIAN for providing false payment history on my credit report. I had an account with XXXX beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to XXXX in XX/XX/XXXX. 

Now comes XX/XX/XXXX, I am purchasing a vehicle and EXPERIAN was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on EXPERIAN from a credit card I had paid off in XXXX. 

Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is 26 negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called XXXX and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, EQIFAX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date : ST ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX lawsuits have been filed and ... FREE XXXX XXXX TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

care credi act resolution svc 342 Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and failing to verify debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Product: Credit card or prepaid card

Someone fraudulently took {$700.00} dollars from my unemployment debit card without my knowledge on XX/XX/2018. I contacted the bank on which the debit card was issued and they told me to get a police report and that they were going to mail me a fraud statement report to fill out and return with the police report. On XX/XX/XXXX I received a letter from the bank saying that they were denying and closing my claim. The first person I spoke to at the bank told me that I had no proof that it was fraud and that there was nothing further that I could do to recoup my money. When I called back and talked to a second person they said that they only way I could get the fraud paid was if I could get a video of the person taking money out of the ATM where it happened. I am now trying to work with the police on this, but it is slow going. And in the meantime, I don't understand why the bank institute isn't doing more to help me recover my money and why they closed my claim without any effort on their part. They simply canceled my debit card and issued me a new one.
Product: Mortgage

I recently was reached out to by an Amerisave representative advising that they could provide me a better program than what I had. I was hesitant because it was a new home purchase and I just went through all this. I was told by countless people that this was a good move, I would be saving money and interest. I would argue that they did not evaluate the " net benefit to borrower. '' And that this seems to be " predatory lending ". It is going to take me XXXX years to break even and I only saved XXXX per mo. I was completely lied to! I can send supporting emails, CDs and previous statements to support this claim. I was taken advantage of and I'm extremely upset that a company would do this.