23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MANDARICH law has filed a law suit against me on behalf of XXXX who stated they are collecting for XXXX card ending in XXXX which was charged off back in XX/XX/2014 ... and I believe is out of statute of limitations. I contacted XXXX who stated they are NOT trying to collect on this account and to contact XXXX. XXXX started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... 
I contacted MANDARICH law whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help
Product: Checking or savings account

I noticed I was getting transactions in my debit card that says " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' throughout days where I didn't spend money, I've never sent those amounts, and I have no idea where it's being sent to. I checked my subscriptions, all my transactions, all possible activity and I don't find these transactions. I got my card canceled and sent a new one however, even after activating my new card, I was still seeing new fraudulent transactions. I reported this to Truist however, I only received a letter saying that it was denied with no further explanation. I sent a follow up email with additional documentation to support my claim and requested to be sent documentation of how they came to this conclusion and never received a response. I then reported this to XXXX XXXX and they again only sent me a denial letter with no further explanation when I asked to be put in touch with the legal department. They only said that nobody can help me and I can not close my card unless I've pay it down the balance which again, is not made by me. I am reporting this fraud case over and over without getting any further help I have used Truist for the past 10 years with no issues and the way they've handled this shows that they do not care. XXXX XXXX support was absolutely XXXX help as well. No next steps, no resolutions despite me reporting that this is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to National Credit System regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to National Credit System back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my XXXX credit report immediately.
Product: Debt collection

I attended XXXX online. This past XXXX 2015, I followed the university 's process and withdrew from my course work before the final withdraw deadline. My academic advisor was XXXX XXXX. On XXXX/XXXX/15, I received an invoice from a collection agency by the name of States Recovery Systems , Inc. stating that I owe {$1500.00}. XXXX ( the account was transferred from XXXX ). I have never received any bills, correspondance, telephone calls etc. from XXXX regarding this " debt ''. I do not believe that I owe this debt as my student loans and grants covered all of my educational tuition and fees according to my last conversation with XXXX XXXX. I also withdrew from my course before the withdraw deadline. Since, I had never been made aware of this debt from the university, I explained to the representative ( she refused to give me her name ) from States Recovery Systems , Inc., that I was disputing the debt she became extrememly argumentative with me and threatened legal action. I feel that I have a right to know about a debt before it is referred to a collection agency. And I have a right to have the debt verified. I have supporting documentation to support my claims. I am suspecting that this is a scam but, if its not, I feel that XXXX needs to collect the debt in accordance with collection and billing laws.
Product: Checking or savings account

I was supposed to receive my direct deposit from Capital One on Thursday XX/XX/scrub> 2025, hence every Thursday I receive my direct deposit from my workplace, yet I havent received it and when they said that theyre working on it to Friday morning, I have yet to receive my direct deposit in my checking account upon today XXXX XXXX,2025.
Product: Debt collection

Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the law.
Product: Credit reporting or other personal consumer reports

I haven't applied for any student loan on XXXX and I didn't authorize any change of lender of a credit line... Send me the lender 's contract with my signature!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The 3 credit bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting items as unverified information without providing any proof within the legally mandated timeframe. The following items must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Product: Checking or savings account

Bank of America charged placed two charges on my account for overdraft fees, {$35.00} each the posted date is XX/XX/18. Yesterday morning I received notification that my available balance was below {$25.00}, subsequently I deposited {$540.00} in cash at XXXX. This deposit posted to the account immediately as it was cash, and before the XXXX cut-off for same day posting. This morning, XX/XX/18, I called customer service and spoke with XXXX after noticing I was charged two overdrafts fees that caused my account balance to become negative. XXXX maintained that I was being charged the overdraft fees for items that posted to my account yesterday, however, my deposit posted yesterday was well. Which would have kept my account from being negative at the end of the bank 's business day, the point at which overdraft fees are charged. One overdraft fees was refunded, but the other is still on my account despite my account never posting in a negative status.
Product: Credit card or prepaid card

Fraudulent activity has been occurring ever since the XXXX data breach and I need help resolving with the Issues. I have attached a police report and I have disputed the items with the credit bureau.There is incorrect information on my credit report. My correct info is on the police report. My mailing address is XXXX. XXXX XXXX XXXX Ohio XXXX, my phone number is XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

it has come apparent that Equifax has furnished false, outdated, and incorrect information on my credit report. Equifax is acting as trustee over my cestui que vi trust and they have acted in maleficence breach of duty as this act has not been in my best interest. Equifax is both a financial institution and credit reporting agency, which has caused damage to my ability as a consumer to make certain private purchases for my family and I. they violated my privacy and never had consent nor permission to furnish or report any of the false and misleading information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, Experian or XXXX permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit card or prepaid card

When I switched phone, one of my Citi card couldn't be added to mobile wallet in XXXX. I was on Mobile wallet before without problem. When I called customer care, the rep told me tried again later. Three months later, the problem persists. The general customer care supervisor tried multiple times but could not fixed it so they transferred me to fraud department last Thursday, XX/XX/2022. The fraud department rep put me on hold for over 10 minutes and then came back said he needed a supervisor to call me back. The Fraud dept supervisor never called me back so I called again on XX/XX/XXXX. The fraud dept rep, XXXX, was rude and could not care less. She claimed she needed to call me back to verify identity but she never called me back. My Citi card issue still has not been fixed. 

The IT system at Citi is a mess but the bigger problem is the professionalism and competency of the customer care.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXXXXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Incorrect Collection Account To Whom It May Concern, I am writing to formally dispute an inaccurate collection account on my credit report. According to my most recent Equifax credit report, there is a collection account from XXXX XXXX XXXX for {$1800.00}, originally from XXXX XXXX XXXX XXXX. I believe this account is inaccurate due to the following reasons : The debt does not belong to me.

The amount reported is incorrect.

This account should not be in collections.

The reporting violates the Fair Credit Reporting Act ( FCRA ).

I request that Equifax investigate this matter and either provide verification of the debt or remove this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days. If you are unable to verify this debt, I request that you remove it from my report immediately.

Please confirm receipt of this dispute and notify me in writing of the results of your investigation. You may contact me at XXXX or XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Mortgage payment was made by XXXXXXXX XXXX by Electronic payment to Selene Finance. They repeatedly do not post payment to my account and add late fees. The date XX/XX/year> mailed XX/XX/year> mailed XX/XX/year> {$100.00} Extra principal made and not applied instead it was applied to late fees XX/XX/year> reported as late payment XX/XX/year> extra {$1000.00} principal payment made, late fees charged, reported to credit as late payment I want all late fees removed and all peer to peer bank payments to be accepted on time. 

I can not go online to Selene Finance website to make payments because their system says I am in default! Selene Finance are LIARS and CROOKS!!!
Product: Credit card or prepaid card

The company involved XXXX XXXX XXXX XXXX located at XXXX XXXXMy main complaint is cash withdrawal fees.The fee that was supposedly charged was {$4.00} but when I got my statement on XX/XX/XXXX & XXXX XXXX the charged me extra fees of {$2.00} five times for each withdrawal. I made 3 withdrawal which come out to {$35.00} extra charged without me making a balance inquiry 15 times.I contacted my bank but he are unable to reverse charges.Everi is the name of the ATM machine which is run by XXXX XXXXI think this ATM exist in all casinos in Oklahoma, Louisiana & Mississippi.I did try to contact the company online but never got any response.This charges never existed before but I was wondering if it is common business practice.
Product: Credit card or prepaid card

My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}, A WEEK AND HALF AFTER I REFINANCED, AND PAID THIS CARD OFF IN FULL. THIS ACTION HAS DRASTICLTLY EFFECTED MY CREDIT SCORE, AND ABILITY TO GAIN ADDITIONAL CREDIT. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts, and did over 1 mil in biz, all A rated, paid on time. 
In XX/XX/XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, with comp values {$2.00} - 2.4. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing. 
I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. I tried to deal with BOA, but they offered no help. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
Product: Checking or savings account

On XX/XX/2023. I was trying to make a cash deposit, of {$580.00}. with a ATM. An Error message said, the machine was having trouble reading the bills please take your cash and try again. The ATM did not return the cash. I waited for several moments, but the cash never came out. I went inside the bank to speak with someone. The manager said the would have to do an audit of the ATM to retrieve the money. I was told an audit would be done later that day and someone would call me with the results. ( I was never called. ) After a few days I wet back to the bank to see what happened. I was told the ATM audit had not yet taken place, and would not be dune until later that week. I was told someone would call me buy the end of the week with the results. ( I did not receive a call ). I went back to the bank the following Tuesday, and spoke to the Branch Manager. He told me the audit was done, but there wasn't an imbalance. I asked them to look at the camera footage. They told me they will not do that, with out a court order. I have spoken with Customer service several times. I have not yet received my money.
Product: Credit card

I requested to opt out of VAU ( Visa Account Updater ) : - Chase / VISA sent my new credit card number to several vendors as 're-ocurring " payments. which they are not! 

- Chase / VISA sent my new credit card number to vendors who I do not longer have an account with ( so i can not go into the vendor and ask to remove ). This is because i sold a business in the last 6 months, and those accounts were transfered to the new owner. 

- I do NOT have re-ocurrning payments set up via a credit card. For any vendor, i go in manually, review a bill, and pay monthly. CHASE/VISA should NOT arbitrarily determine what is a re-ocurrning payment, vs a payment that I authorize monthly. 

- CHASE/VISA should NOT and do NOT have my authorization to update credit card numbers with vendors. 

I called about 7 times, and opting out of VAU does not appear to be an option with CHASE/VISA>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, however XXXX shows this account was charged off in XX/XX/XXXX. You are inaccurately aging my account. All credit reporting needs to be the same across all bureaus or it is deemed in accurate and unlawful. You have failed to investigate this account properly and this neglect and inaccurate reporting is a violation of my rights. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX # # # # -- -- EXPERIAN XXXX XXXX XXXXXXXX # XXXX XXXX -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # # # # -- - XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP
Product: Credit card or prepaid card

Brought some items from offline from a store call XXXX XXXX never received the product nor is they trying to refund the amount was {$35.00} I transferred {$36.00} to anther card on XX/XX/XXXX cause it wouldnt accept my regular card so the purchase went through on that day the company said its being shipped but its not I checked for a tracking number from where I live an they couldnt provide me with one the postal couldnt track with the number they provided me with