23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( Citi and XXXX ) believing what he told me would be possible. XXXX   XXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

My account has an unauthorized XXXX transaction on XX/XX/year> in the amount of {$2400.00}. I have disputed the transaction with Wells Fargo. However, they are refusing to credit my account while they conduct their investigation. {$2400.00} is a ton of money to me right now, and I would never spend {$2400.00} on XXXX to a person Ive never heard of. I need my credit while they investigate because I have no money to pay bills, rent, etc.
Product: Checking or savings account

I opened an account with Suntrust banking the end of XXXX, i deposited funds on XX/XX/XXXX which was a workers check, within the next day my account was frozen and i was told my funds were being put on hold. Few weeks later I received a letter in the mail saying i will receive my check in the mail within 5-7 business days. Within that time frame I did not receive the funds in the mail, so I called back and was given a different time frame of two weeks and was to my funds was pending reclamation from the finacial institution, after that time frame I reached back out to the bank and was then that theres no time frame on when I will receive my check because pending reclamation can take several months, which I didnt understand because it wasn't a personal check it was a workers check, and Ive been told there was nothing I can do about the situation. I tried to get my employer to write another check but i was told Suntrust processed my check and that they couldnt write me another because it looks like im asking for funds that I already have. Within that time my life turned upset down a lot of bills was pushed behind and I lost a few things due to not having any funds for a month. Finally after waiting three months on XX/XX/XXXX, i called back and was told that my account was still -ending reclamation but I was told a different story. I was told that my employer bank has to contact Suntrust so that they can release the funds back to my employer bank so that i can receive my funds because they will not be able to send that check back towards me. So I explained that I was given a different story for three months when this couldve been handled different and she sounded flustered and hung the phone up.
Product: Debt collection

We gave notice of early lease termination to XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023, for a final move-out date of XX/XX/2023. On XX/XX/2023 the Early Termination Fee in the amount of {$3700.00} was applied to our account. 

All balances were paid, and account balance was {$0.00} not to include security deposit credit in the amount of {$500.00}. we have accompanying documentation and bank statements, as well as the lease terms regarding lease break fees. As well as a 12 month history of payments, provided by XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 a second lease termination fee of {$3700.00} was improperly applied to our account and we received an email with a final account statement on XX/XX/2023 that included the incorrectly applied fee. We immediately called the leasing office for clarification. Unfortunately, we were not able to speak with the management at the time. However, we received an updated statement that same day on XX/XX/2023 that removed the second fee, and updated the account to reflect the correct balances owed. We have a copy of this statement, detailing we are due a refund of {$410.00} Today, XX/XX/2023, we received a call from a debt collection agency " National Credit Systems '' in an attempt to collect the debt that we do not owe, in the amount of {$3300.00} We immediately filed a dispute, contacted the leasing office, and contacted multiple regulatory bodies to include yourself. 

A review of online reviews of this landlord shows that our experience is neither unique, nor isolated. We firmly believe several other households have experienced the same fraudulent practices and we believe an Audit would be in order of this companies finances and practices with collection accounts in arrears, to include fraudulent activity and " Double dipping '' on fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection showing on my Equifax credit report that should have been deleted MONTHS ago. This collection is from XXXX  XXXX  in XXXX, ME and the medical practice it is from is XXXX  XXXX XXXX, who agreed to DELETE this collection several months ago and requested XXXX XXXX to send a DELETION REQUEST to Equifax, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against Equifax AND XXXX  XXXX  and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
Product: Credit reporting or other personal consumer reports

" I am opting out of your reporting services. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Debt collection

I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/2017. I have sent an affidavit of truth certifying that this company Receivables Management System is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XX/XX/2017. I've received no phone calls. And yet, they continue to report this false information to XX/XX/XXXXas well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is Patient First.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XX/XX/2017 my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report ( Employment, Insurance, Credit Cards, etc ) Receivables Management Systems has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to XX/XX/XXXXand has immensely impacted my credit scoring in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I closed 2 accounts at Truist Bank on XX/XX/2022, and was given XXXX  bank checks for the amounts of {$52000.00} and {$5000.00}, respectively. 

The checks were stolen from US first class mail. The check for {$52000.00} was fraudulently altered to another payee and negotiated. The check for {$5000.00} has not been located. 

I promptly notified the issuing bank on or about XX/XX/2022, of the losses. In the presence of the bank manager, I completed all paperwork for claiming the losses of both checks. 

On XX/XX/2022, I received a letter from the bank saying that the {$52000.00} would be " credited to my account '' ; however, when I went to the bank on XX/XX/2022, the bank refused me because the account had been closed in XXXX. 

The bank corporate Fraud info line told me that no claim had ever been forwarded to them for the second check, {$5000.00}. 

I am out {$52000.00} and {$5000.00}, respectively, because the bank has failed to follow through on its own policies.
Product: Checking or savings account

Unauthorized transactions XXXX Claim amount XXXX $ XXXX I submitted my dispute on XXXX XX/XX/2020 my original dispute was declined by my financial institution stating that the transactions were deemed valid however I was in jail at the time that the transactions took place And I submitted a rebuttal to the company on XX/XX/2020 after the previous 45 day investigation and submitted proof of incarceration. 
As of today XX/XX/2020 it has been 55 days since I submitted my rebuttal they are only allotted 45 days to gather a resolution, I have called and submitted numerous support request through their mobile application asking them to give me updates on this claim since they are over there alotted time frame, No one ever gets back to me its been weeks I feel like I am just sticking my feet in the mud not getting anywhere in the meantime I am out XXXX and some odd dollars for some transactions that I did not make that I did not authorize and they refuse to give me my money back. Or even get back to me and let me know whats going on no one calls me they have my phone number they have my email address this is really unprofessional and I feel like Im at the point where Im going to have to go to the courthouse and file a suit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon opening the Citizens XXXX account, I set up an autopay credit card payment on XXXX Their representative entered the wrong expiration date for the credit card. The account became 30 days delinquent. The company failed to notify me the payments were not going through. I only found out because I got an alert from Credit Karma on XXXX That day I called the company to inquire about the issue. We updated the account and the payment was processed that day. After an investigation, the company acknowledged they were at fault and told me they would update the account and remove the late payment mark in XXXX when I called them. They have failed to do this as well. This process has been extremely frustrating as this is the first time I have had a late payment in my credit history. The companys negligence and incompetence have led to my credit score getting severely negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights. 

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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Product: Debt collection

I have been harassed, threatened, and called at work multiple times. This debt was from a business that is closed permanently. The collector is calling a new place of employment and getting the names and emails of anyone that answers the phone. They have added the emails of other co-workers on my private debt and send them emails as well. Today I could not come to the phone. This collector named XXXX, called over and over until I was forced out of a room seeing a patient to take his call.