23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I made a reservation with XXXX for a total amount to be paid, including fees and taxes, of {$1100.00}. I did not make any additional elections or add-ons upon picking up the vehicle on XX/XX/XXXX. 

On XX/XX/XXXX, I returned the vehicle on time to XXXX XXXX XXXX XXXX XXXX. However, my XXXX XXXX ( XXXX ) credit card was charged {$1600.00}. This charge was {$510.00} higher than the agreed upon amount in the reservation. 

On or about XX/XX/XXXX I contacted XXXX by telephone after noticing the {$1600.00} charge on my XXXX statement to inquiry why I was charged {$510.00} more than the reservation amount. I paid the full amount to XXXX but believed I was due a credit/refund. The XXXX representative I spoke to stated that I had already been credited {$200.00} on XX/XX/XXXX which should be reflected on my XXXX statement and that he would credit the {$180.00} Liability Ins. Supplement charge. Later that day after reviewing my XXXX statement and not finding any {$200.00} credit from XXXX as the representative claimed there was, I disputed the charge with XXXX. Based on my conversation with the XXXX representative, I requested a credit of at least {$380.00}. 

In XX/XX/XXXX the dispute was settled by XXXX in my favor. 

In XX/XX/XXXX I received the XXXX invoice for {$380.00}. 

On XX/XX/XXXX I contacted XXXX by telephone at XXXX, the telephone number on the invoice. The representative I spoke to could not locate the reservation and requested that I email her the original reservation for {$1100.00}. I forwarded the original reservation email to XXXX. After reviewing the reservation and final charge, the representative acknowledged that XXXX erroneously charged me a different rate, resulting in an overcharge of {$510.00}. The representative claimed that XXXX would issue a refund for this amount after I paid the invoice of {$380.00}. I requested to speak to a supervisor to propose that the invoice from XXXX simply be voided and I would forfeit the additional amount XXXX owes me. I was told no supervisor was available, but that I would receive a call back in the next XXXX hours, but no later than Monday XX/XX/XXXX. After requesting a case number, the representative gave me case number XXXX. No call or message from XXXX was ever received. 

On XX/XX/XXXX and XX/XX/XXXX, I called XXXX again. On both calls, XXXX representatives acknowledged I was erroneously charged a higher rate, but stated no supervisor was available, and that I would receive a call back. No call or message from XXXX was ever received. 

On XX/XX/XXXX, I mailed a written response to XXXX explaining the above. The only response I received was that my XXXX rental privileges and membership had been cancelled. 

In late XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collector, that they are trying to collect a debt owed to XXXX for {$190.00}. 

XXXX has fraudulently invented a debt that I do not owe and forwarded part of it to a debt collector.
Product: Credit card

Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX in XXXX vs give me a loan back in XXXX for {$820.00} dollars with in a month and half, I give them XXXX dollars but they say the daily fees make the to over 1000 dollars and I miss month and half with our paying but {$900.00} should pay for 5 months and is not even 5 month since I talked that loan please help i have XXXX kids and having big problem taking my kids to the doctor.my number is XXXX XXXX XXXX or email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX on XX/XX/2017. I asked to finance through the dealer 's bank 's. They gave me the names of three lenders and rates. I chose XXXX XXXX XXXX and was subsequently approved and currently have a loan through them. My credit reports shows 6 ( six ) hard inquiries that day and they are all associated with an auto finance purchase. This high number of inquires is negatively impacting my credit score. After doing some research, I found out that dealers will search out lenders who will give them " deals '' on customer financing involving kickbacks or rebates for bringing them borrowers. Now I understand why they went to 6 lenders when we only spoke of 3 and I chose the one which I wanted at the outset - it was so they could offer me as a borrower to their partners to see what type of deal they could get back for me. Meanwhile the 6 credit inquires on my report damage my credit history. I have all my paperwork and do not have any item/paper with my signature that authorized them to contact so many prospective lenders.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I C System INC. violated my right to privacy as well as violated the FDCPA 1006.30a and its rule by parking an alleged debt on my consumer report.
Product: Payday loan, title loan, or personal loan

Repeated calls to my place of employment. They have asked coworkers and left a message stating they are going to report me to HR
Product: Debt collection

This company supplied fraudulent information and has NEVER supplied a promissory note with my signature on it- only a fake contract that says e signature which Ive never seen before in my life that has my personal information on it that I did NOT provide to them- is NOT a validation of debt. I will complain again until this item is removed from my credit report. 

I have asked for a copy of a SIGNED contract- they have never supplied this information but continue to try to say I owe a debt for something I never signed and are adding all kinds of fees and crazy balance reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Date Updated : XX/XX/2019
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 confidentially under XXXX XXXX XXXX. 

TD Auto Finance : A/c # XXXX, target XXXX bank XXXX : XXXX, XXXX XXXX Bank A/c XXXX XXXX XXXX XXXX Bank XXXX # XXXX ; XXXX XXXX XXXX XXXX A/c # XXXX ; XXXX XXXX XXXX  # XXXX, XXXX - XXXX # XXXX, XXXX - XXXX # XXXX, XXXX XXXX SERVICES XXXX A/C # XXXX ; XXXX - A/C XXXX XXXX ; XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; I looked at my Experian credit report On XX/XX/year> and XXXX some things are incomplete and not XXXX XXXX And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

According to XXXX XXXX XXXX ( i ) ( XXXX ) they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX XXXX XXXX ( XXXX ) XXXX they are suppose to 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: Mortgage

On XX/XX/2019 at approximately XXXX XXXX, I called the consumer advocate number for a PHH representative at XXXX and talked with Mr. XXXX ( ID number XXXX ). The purpose of my call was to request a letter from PHH ( Ocwen ) stating the reason my sister, XXXX XXXX name was removed from our account. # XXXX. I was told that I would receive a hard copy ( letter ) within 15 days. As of today, XX/XX/2019 I have not received said letter. My sister passed away last year but she has an estate in place.
Product: Debt collection

I received a letter from Emmitt L. Goodman , Jr., LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX dated XX/XX/2021 stating that I owed this debt. The amount of debt is for XXXXThe company purchase was listed is The XXXX XXXX XXXX, XXXX XXXX XXXX Creditor. I have never had credit with these companies. I informed them by phone and in writing this was not my debt, never purchased anything on credit from this company. They sent me another package containing the original debt and company info, name of debtor, address of debtor, and amount. I have never resided at this address, never bought anything from this company on credit. I tried contacting them by phone, also called an attorney. They never returned second phone call, which leads me to believe they are proceeding against me with collection for a debt that is not mine. This can destroy my credit, which I worked hard to establish. I pay my bills and would pay this one if it were mine. I know that's how these companies operate, they just want you to pay the bill even if it is not yours. I am retired, a XXXX veteran, and senior citizen and I feel I'm being targeted.
Product: Debt collection

I was making a payment of {$50.00} a month and they contacted me and demanded {$120.00} a month. I tried to explain to them that I could not afford {$120.00} a month, but they would not listen and threatened to take me to court and jail time
Product: Consumer Loan

Honda Financial Services refused payment and later reposses my vehicle without proper written notice. The first attempt : '' A Notice of Default and Intent To Reposses '' for XX/XX/XXXX and XX/XX/XXXX was forwarded to : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, PA XXXX on XXXX XXXX, 2016. In compliance with this notice, a payment of {$500.00} and an arrangement were made to void this notice. Subsequently, an arrangment was made to complete final payment to release the title of the vehicle. The total amount owed prior to the previous notice date was {$2000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2. 

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I turned in the vehicle. They got the car and sold it and they are still reporting the incorrect balance which is incorrect. I want to see how much they sold the vehicle for how much I paid and have the correct balance reporting to the credit bureaus.
Product: Debt collection

*To Whom It May Concern, The reason for my dispute is CMRE FINANCIAL # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CMRE FINANCIALfailed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CMRE FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Money transfer, virtual currency, or money service

Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I can not see account details and certain parts of my online mortgage account with Trustmark when I am behind on payments. They said that I would have to call them if I needed information on late fees or other payment-related information. Then, when I call, I can only make payments with one lady who is not always available. When I do call and make a payment I was never told that late fees were just staking up. They would just take my mortgage payment like nothing else was due. Now I am so behind and have so many fees to catch up on. When you call Trustmark or listen to any ad they put out, they advertise that if you have a mortgage with them, you can access your account details and make payments online. That is a lie.
Product: Student loan

My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.
Product: Checking or savings account

In XXXX, the interest rate changed, it went down. I received emails pertaining to changes in my credit score ( unsolicited ) and notices that my email was compromised ( dark web ) and no notice whatsoever that the savings rate has changed. 
If this is allowed to continue, the consumes will need to verify all accounts daily I only started watching my Capital One 360 account after reading about their previous consumer deception
Product: Student loan

I went to XXXX XXXX in XXXX Fl ... ... I was told by staff that all the loans I had were Stafford loans. I am XXXX and when I tried to get all my loans taken care of that was when I learned that I had a private loan through XXXX. That was and is very deceptive on XXXX part.
Product: Debt collection

On XX/XX/XXXX a procedure was performed that required preauthorization by the XXXX XXXX XXXX XXXX XXXX XXXX. I provided Primary and Secondary Insurance information and ID Cards but was never notified that I would be responsible for any amount. When I received a balance due amount a year later, I noticed they did not bill my secondary coverage ( XXXX XXXX ). I called and sent them messages monthly through their portal. They sent me to collection and my credit score took a hard hit. Finally, I received a response where XXXX said she would pull it out of collection and resubmit and keep me notified of the status. I continued to keep in contact through their portal with no response, no status update. Then on XX/XX/XXXX they sent me another bill for the balance of {$380.00}. XXXX XXXX said, today, that they were never billed. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Radius Global Solutions stating their attempts to collect this debt. I was baffled at how this was supposed to be resubmitted and yet now I am sent to collections XXXX months later, blindsided. I called XXXX XXXX, XXXX XXXX, and Radius Global Solutions today, XX/XX/XXXX. XXXX XXXX said they were never billed, XXXX XXXX said the information was not in their system and that they sent a bill out today as we were on the phone and that I would have to call the collection agency and have them stop collection efforts. Radius Global Solutions transferred me to a supervisor with a name that sounded like XXXX XXXX and he was rude. Kept interrupting me, wanting me to give him Yes or No only and sarcastically said sure my insurance company is going to pay after all this time. Hung up on me. I digress. XXXX XXXX is not an insurance company. This benefit was given to us because my husband was injured while on duty and had to XXXX  retire. We are both XXXX American veterans. The hospital should not be allowed to delay bills, send me to collection, and have the collection agent harass us and ruin our credit because they did not bill XXXX XXXX who said they would have paid as they always do. This harassment is affecting my health and XXXX XXXX. Please let me know what we can do as I have tried everything possible to make this work out. Thank you very much
Product: Payday loan

Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. 

Thank you for your time.
Product: Mortgage

Escrow account is more than my house payment! I paid them {$1500.00} this year for a shortage along with my regular payment. Now my escrow account is another {$1200.00} short! Not sure who is doing the math at PNC but I ca n't even log into my account and they just print out what is on-line and mail it to me which does not explain {$3000.00} shortage! I 've repeatedly asked for an audit of my account and they have not complied. Requested another audit today and they will probably print out the on line version again.