23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was charged three times by XXXX XXXX  totalling close to {$630.00}. I have never used XXXX  XXXX. I called the same day the unauthorized charges were made. The bank canceled my card and sent a new one, I was than told they couldn't do anything else until the unauthorized charges went through because they were still pending. And to call back once they posted. Once i called back they asked me to fill out some paperwork and fax it back, which was done in a timely manner. Than i called a few times asking about why the money had not been refunded to my account and they reassured me the money would be refunded to my account Wednesday, XX/XX/XXXX. Which had been drastically longer than i was originally told. When the XXXX came and my account was still not refunded i called back and they told me they denied it and the case was closed. This bank is constantly putting a hold on my card for transactions that i frequently make. Yet when the unauthorized charges were made which should have flagged the fraud department because i have never used XXXX XXXX  and the charges were for large amounts of money that i dont normally spend ... they did nothing and let the charges go through without a problem. I have no idea how my information was compromised because i had the card in my possession the whole time. But it was and it caused alot of problems for me. I have bills that are still unpaid and now i owe even more due to late charges. I believe this bank is responsible for giving me a false claim that im protected against fraudulent charges p
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

FROM : XXXX XXXX XXXX CASE BANK OF AMERICA! # XXXX ASUNTO : PURCHASE TRAVEL TICKET AT AMERICA AIRLINE!
My credit line with bank of america is of {$300.00} Since XX/XX/XXXX to present XX/XX/XXXXObviously to buy a ticket I have the necessity to Increase by myself The other amount to pay the ticket I. Had {$300.00} and make a deposit of {$80.00} to pay the ticket. Bank of america say Not, you will deposit extra money in you credit card but I solely see the {$300.00} ( LIMIT ) ... I TRY AGAIN AND DEPOSIT {$70.00} The bank solely see the credit limit. ( {$300.00} ) and not the extra deposit, because the ticket my option to buy the ticket was with a credit card and not check account.
The bank in some paragraf say that they can give extra money in emergency or other country road, etc. I think so- that I see it.
This impasse affected my health, I was worried, because I had enough money to pay my ticket, on the other hand my credit is acceptable - but they do not increase me maybe, by revenge, or retaliation for checking account in the pass. I recently went to pay {$860.00} the agent of employee of bank of america told me you do not have open checking account because you are punished for 7 years. They did not want to accept the payment, and I returned it to my house.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with FED LOAN SERV and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN SERV claim I owe. FED LOAN SERV has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

Sequium Asset Solutions , LLC has placed an erroneous collection on my credit reports. The account has a balance of {$1500.00} and it is from XXXX XXXX  1. I have never had XXXX XXXX in my life. Because of this erroneous collection, my XXXX XXXX has dropped XXXX points and now I can not access credit. On XX/XX/2020, I sent the company a letter requesting them to provide a debt validation and more information. I never received an explanation letter from them. The next thing they did, was place the collection on my credit report on XX/XX/2020. It appears they are not complying with FDCPA and FCRA statutes. I need this collection removed and I would like to sue this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting 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
Product: Checking or savings account

On XXXX/XXXXXXXX my debit card was stolen after a visit to XXXX XXXX XXXX for a birthday party. The next day, I left town for a birthday trip for my daughter. Upon coming home, I couldnt find my card and logged in to see it was being used all around the area. I promptly locked it and called Chase to report the card stolen and the unauthorized charges. We went charge by charge and I did not dispute the charges that were automatic like my apple account charges. Those are legitimately mine. After some time, my account was debited for the unauthorized charges and my claim denied. I called promptly and was told they couldnt reopen it and they had information that apparently led them to decide these were my charges. After some hassle, an account executive took the call and discovered the charges that we didnt not dispute were incorrectly marked as card present. She resubmitted but it was denied again. I find this ludicrous and I have proof that I wasnt in the area at the time nor was my card ever back in my possession.
Product: Debt collection

I open a month to month membership with XXXX XXXX and after using it for a couple of months I chose to end my membership. Well months later I received calls and letters from aldous and associates stating I owe them {$300.00} for that month to month membership I tried contacting the gym and the gym would sent me back to aldous and associates. Eventually it got to the point where NOBODY was able to help the only thing left was to pay them because no one could take care of the matter. So now i was being forced to pay them an amount of money i didnt owe XXXX. I explained this to not only XXXX XXXX but also the collections agents but all the ever did for me was threatened me that if I didnt pay I was going to be sent to collections and that it would impact my credit score. So I started to make payments I could afford. Since I didnt pay their minimum ( {$100.00} per call with their agents ) I got put to collections on the credit bureaus causing my credit to drop by 35 points. I reached out once more to try to come up with a fair closing and all they did was tell me they couldnt do anything. This is by far the most unethical way to make money by XXXX XXXX and aldous and associates. Taking advantage of the power they have to break your credit score to force civilians to pay them what you DONT owe.
Product: Mortgage

This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ). 
We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX. 
XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust. 
1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff. 
2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received. 
3. A letter dated XXXX informed us we had requested a payoff. 
[ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense. 
This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence. 
We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX. 
We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX  has confirmed was received by XXXX and transferred XXXX. 

We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.
Product: Debt collection

Dear, I received letter from Jefferson Capital systems , LLC indicating I owed {$530.00} to XXXX, I dont know how I can owe XXXX usually I buy something and I pay XXXX and XXXX pays It to merchants, I called XXXX about It as fraudulent and XXXX couldnt provided me how i owed It and what but they closed the account as fraudulent now Jefferson Capital asking me to pay for something that I didnt purchased, I called XXXX again today I was told we dont own the account so I called Jefferson Capital and I told them that was fraudulent and XXXX closed It as fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on Equifax in XXXX. XXXX balance. Not XXXX. XXXX never provided an Origional mortgage document because the loan was Purchased from XXXX XXXXXXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My Equifax NO LONGER even shows my XXXX half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XXXX and XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON XXXX TO STEAL FROM ME!!!
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

I opened a card with Jetblue and every month whenever I make a payment, I am charged interest fees over XXXX XXXX XXXX I contacted Jetblue, and they claim they can do nothing as this is how they make their money charging high interest rates of 29.99 % for transactions.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I transferred money to a zelle Recipient for a apartment I sent {$100.00} for a background check and {$2400.00} for fist and last months rent and never received the apartment I was scammed out of my hard earned money and contacted XXXX XXXX and they said theres nothing they can do Ive been a loyal XXXX XXXX customer for 22yrs I also filed a police report case # XXXX XXXX XXXXXXXX police department XXXX XXXX Florida
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding an issue with my direct deposit at Capital One. Despite my repeated attempts to resolve this matter, my direct deposit has not been credited to my account. This delay is causing significant financial hardship for me and my family. 

I live paycheck to paycheck and have bills to pay and children to feed. This situation is completely unacceptable and has put me in a precarious position. If this issue affects my credit score due to late bill payments, I will hold Capital One responsible for any resulting fees and damages. 

I urge you to address this matter urgently and ensure that my direct deposit is processed immediately. 

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

LexisNexis Risk Solutions reported an inaccurate driving record to my insurance company ( XXXX XXXX XXXX ) which resulted in a higher premium. Their customer service phone number will only allow me to order my 'report. ' LexisNexis Risk Solutions reported that an automobile accident I was involved in on XXXX was ruled as me being 'at fault ' when in fact, the other driver was ruled 'at fault ' and ticketed for 'failure to yield right of way. '
Product: Credit card or prepaid card

Hello, On XXXX, XXXX 2021 I received my redemption code from Blackhawk for my Visible/XXXX Mobile promotion Mastercard of {$300.00}. WhenI attempt to visit My Prepaid Center https : //www.myprepaidcenter.com  and enter the redemption code, I receive the following message. " Oops. There's an error on our side. Please try again soon ''.

I have attempted to contact customer service via the following phone number, Mastercard cardholders : XXXX in the U.S. However, I was advised that they are unable to assist with the redemption code over the phone. 

Can someone please help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIRGINIA DEPARTMENT OF XX/XX/XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX  XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to CFPB attention an issue with the information that Experian has recently reported on my credit profile, commencing XXXX XXXX XXXX. Upon reviewing my records, I have discovered that Experian is unlawfully allowing XXXX XXXX, to pursue a debt for which they lack the necessary licensure and security bond to collect within the state of Texas. Specifically, the collection entry on my credit report from XXXX XXXX, referencing an unfamiliar debt totaling {$2400.00} under account number XXXX, raises significant concerns as it was reported without my consent or prior knowledge. 

I hereby request the account be removed immediately from my Experian credit profile! I am also requesting that you request the following items from XXXX to validate this debt a copy of the original contract or purchase agreement pertaining to the alleged debt. Should you provide the original contract, it must bear the signatures of all involved parties and include the initial terms and conditions, along with any associated addendums and riders. 

Furthermore, I insist on receiving evidence of the debt 's ownership transfer, along with documented proof demonstrating the continuous chain of ownership from the original creditor to the current holder, devoid of any interruptions. This account is in direct violation of f Finance Code TITLE 5, CHAPTER 392, SUBCHAPTER A, FDCPA, 15 U.S.C. 1692 C ( a ) ( 1 ), 15 U.S.C. 1692 C ( C ). 

It is crucial to note that debt reporting without the requisite prior notifications, as established in FTC v. XXXX XXXX XXXX, contravenes consumer rights, is a direct violation of my consumer rights! Additionally, please furnish a comprehensive account history originating from the original creditor, inclusive of payment dates and amounts, as well as the delinquency date leading to the account 's collection status. This should encompass all received payments, including those from recourses such as XXXX XXXX assistance and Veterans Affairs, supported by copies of money orders or checks.