23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.
Product: Debt collection

suburban credit corporation is pursuing medical collection accounts past the statute of limitations by the State of Virginia. 

Suburban Credit Corporation is pursuing medical collection accounts after they have been discharged by Chapter XXXX Bankruptcy Courts/
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2021, I sent Comenity Bank a letter, requesting my late payments be deleted. It has been more than 30 days and i have yet to receive a letter from Comenity, notifying me on the status of my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. 

I have since paid my amount in full and would like my late payment removed.
Product: Debt collection

I haven't received any type of mail communication from the debtor. I have also been unable to reach them by phone.
Product: Credit card or prepaid card

In XX/XX/2020 I noticed hundreds of small purchases on my Discover card amounting to approximately {$1300.00} made to XXXX. These charges vary in cost from {$1.00} to {$50.00} at a time and were made between XX/XX/XXXX and XX/XX/2020. I did not make any of those charges and no one else has access to my credit card. I alerted Discover customer protection services, who initially refunded the purchases. I also contacted XXXX who stated that there were no charges on my XXXX ID or the current form of payment attached to my account, however my card ending in XXXX ( which had been previously closed for fraud in XXXX of 2020 ) had been compromised and was in use by 7 different accounts. Those accounts were closed for fraud and my credit card ending in XXXX was barred from ever being used on XXXX again. They would only be able to provide a merchant refund for approximately {$190.00} of the purchases and the financial institution would have to refund the rest. The next month credit card statement showed they had reversed the refund and returned the charges to my account. I have since provided information from my XXXX account showing no purchases adding to that amount as well as the case notes and phone recording ( which was too large to attach to this complaint ) from my initial discussion with the XXXX representative yet Discover will still not accept my fraud claim. Discover wanted a list of what charges XXXX is considering fraud however I have also provided written documentation that XXXX can not provide that to me since none of the charges were associated with my account and that would violate their privacy policy. I was a Discover card customer for 10 years with an excellent credit history so I have no motivation to try to defraud Discover out of {$1000.00} yet they keep denying me whenever I provide proof. It has been an extremely frustrating situation because the determination process is completely non-transparent and Discover refuses to show me written documentation of how and why they determined these charges to belong to me.
Product: Checking or savings account

On XX/XX/XXXX, I went in the XXXX  branch to open an CD account and later that day I proceeded to try an access my mobile banking app. I received an error message, and I was unable to gain access to my account. I called customer service, and they told me I needed to call fraud department, to verify some transactions. I spoke with a customer service representative to verify the transactions, they proceeded to tell me after farther review they have decided to close my account. That in 30 to 60  days I will receive a letter in the mail explaining why, and XXXX receive a certified check with any funds remaining in the account. This all happened randomly on the day after my tax return was deposited into my account. I have been calling XXXX  for the last 2 to 3 months asking for updates, and stating to them I need my money. I have bills to pay, and they have said they have noted and sent an email to escalate the matter so that someone can contact me. No one has contacted me or has helped me with my situation.
Product: Debt collection

Missing FDIC personal checking account funds from XXXX XXXX ( from multiple XXXX XXXX XXXXXXXX accounts since XXXX ) and mine ( from separate XXXX XXXX XXXX  account ) that are FDIC insured to pay the failed bank XXXX, XXXX XXXX and nationstar for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. 

The loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original XXXX loan. we were told is the same loan that got transferred to XXXX XXXX XXXXXXXX and sold or pennies to the dollar to nationstar, as servicers. 
We paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at XXXX XXXX  XXXX are missing between the fiduciary and XXXX XXXXXXXX XXXX and nationstar. 

We request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. 

Where it is or can you please see the FDIC claim we did on the money, that was in XXXX XXXX XXXXXXXX for XXXX XXXXXXXX XXXX mortgage through the fiduciary XXXXXXXX XXXXXXXX 
We bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX of nm purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing XXXX dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The XXXX listing was cancelled because we were told " the buyers did not qualify '' and later on, the appraisal came after closing about 30K less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the " XXXX XXXX XXXX XXXX and did not exist. The pool had problems with water connection and we looked and no survey was done. 
We started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. 
We made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.
Product: Credit reporting or other personal consumer reports

There has been a back and forth between myself and multiple agencies reporting a bankruptcy on my credit report. At this point all parties are responsible for the negative impact this reporting has had on my life. I am not against filing a lawsuit against any and every company that has unlawfully obtained personal information and published it without my permission. I am disgusted at how easily Experian has ignored my letters demanding they remove this information, and frankly alarmed. I know there is a standard set by the FCRA and that Experian has clearly violated many of those standards. Simply put, this is not right. As an educator for the past 30 years, my main mission is to teach my students integrity and honesty. I will no longer ignore Experian 's blatant disregard for the law and demand they remove this bankruptcy from my report before legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit card through XXXX XXXX  ( XXXX XXXX  XXXX XXXX XXXX Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by Experian. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to Experian and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by Experian and they had to unsubscribe me. I have audio recordings of every phone call placed to both Experian and XXXX XXXX. I finally use a phone number found on a older credit card statement and got a representative from Experian who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through Experian. I would like to completely cancel anything to do with Experian and get a refund for {$43.00}. I have lost faith and all respect for both Experian and XXXX XXXX credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.
Product: Debt collection

This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
Product: Checking or savings account

On Friday XX/XX/XXXX At approximately XXXX XXXX. I looked on my filling statement and I saw a XXXX XXXX on my account. I was shocked because I don't owe anybody I'm not doing anything I'm tracking my spending I want to know why I have a XXXX  XXXX so I call my banking institution PayPal and PayPal tells me that XXXX is the one that's asking for the XXXX XXXX that is XXXX whatever I told them I don't owe XXXX so what I did was I called XXXX okay to find out for myself XXXX specifically told me I do not owe XXXX that they just put that on there they placed that on there because they're letting you know know that that's the earnings that I made for you know being apart and that was it that I do not owe XXXX so I basically let my bank know that but now they still have XXXX but instead of it being minus XXXX they go down to XXXX XXXX and they're saying I have to pay some money on there I don't owe anything now I'm starting to think that it's PayPal now I had a I had a billing I get billed for water every month with XXXX XXXX XXXX told me that they weren't able to retrieve their money from PayPal I don't know the PayPal 's trying to scandalize me or trying to take extra money from me but they're not being fair at all now they go from XXXX to XXXX and they're expecting me to pay that when I owe nothing I need for somebody to look into this and they will not take it down I've asked them to take that down they're trying to take unnecessary money from me and I'm not about to play with them about my money
Product: Vehicle loan or lease

XXXX XXXX is showing a late payment on my record. The information is not correct and needs to be deleted. When my husband bought the car he added me as the second person on the loan. The auto dealer told him the first bill would come in the mail and then he would be able to set up the online payment portal login once he got first bill as it would have the instructions. Which is normal process when you purchase a car. The auto dealer took more than a month to send us the bill. We waited for it and it never came. Almost 2 months passed so I called XXXX XXXX. The told me that the payment was now late and I explained we never got the bill. So they proceeded to add our address in the system and added our email. They also verified I got the email so we could set up the online payment. On that very same day over the phone we made the payment directly from our checking account. And we also added auto pay on the online portal that very same day. I told the agent I was worried. Because it was a late car loan payment. And it would affect my credit. She said it may be on the credit report but most likely only my husband as he was primary. But of course later I found out the was not true. This late payment has been on my record for years. I have written letters to them. I hired a lawyer, XXXX XXXX. They were not able to remove it either. They tried. I finally had to stop paying them and just keep trying on my own. Please have them remove this late payment. It is not fair it would not have been late if the auto dealer had processed our information quicker and given our address accurately for the payment. The dealer is XXXX XXXX in XXXX and they are known to be very disorganized. The finance reps desk when we signed the loan was messy and cluttered and he couldnt even find things when he was helping us. I had a feeling he did our paperwork late and that is why this happened. Please help me get this mark off my credit. This is affecting me adversely as it makes my credit score lower. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I got a short term loan from XXXX XXXX XXXX. I paid it off early but they still charged me a large fee. It cost me almost 2000.00 dollars just to pay it off early they said I had to pay the fees to pay it off early and that I would owe them anyway. I think I was done unfair and they owe me money back.
Product: Student loan

I took out a student loan with Sallie Mae in XXXX. On XX/XX/XXXX my balance owed was {$16000.00}. Navient took over my student loan while it was deferred. When Navient took over my loan the balance owed on my account went back up to {$21000.00}. When I attempted to discuss it with the customer service representative they told me I was never down to {$16000.00} and that I owed the {$21000.00}. I requested they send me documentation of all transactions with both Sallie Mae and Navient. They sent me the attached paper. I have also tried to speak with them about releasing a co-signer and the representative told me I could not release him, but didnt give any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Product: Vehicle loan or lease

I purchased a car via XXXX XXXX XXXX out of XXXX, Nevada which was financed via Credit Acceptance Corporation. They wound up charging me over XXXX in interest on a loan that was around XXXX which seems high. On my credit report, they did not report that I paid off over XXXX, they only reported that I paid off over XXXX so where did the extra money that I paid off go to? On top of this, they put a XXXX ( XXXX XXXX XXXX ) that caused problems with the car. The car wound up shocking me as a result according to the mechanics. I was told that they never should have put the device in but they refused to fix it or replace it, etc. ( I have evidence of this ). After all of this, I can not drive me car due to issues with the electrical problems that this device caused and I have had close to XXXX in medical bills over this. This is not fair. I feel that they should have done something to help rectify this situation but they do not seem to care at all.
Product: Checking or savings account

I created a personal Wise ( formerly Transfer Wise ) account ( date unknown - early 2023 ) and the account was deactivated without any reason or notice during XX/XX/2023. On the XXXX of XXXX, 2023, I appealed the decision. The only response I received was an automated response that stated that the Wise team will reach out in XXXX working days. To this date I haven't receive any updates. I asked for an update on the XXXX of XXXX, 2023, no response from Wise. During this time, I registered an XXXX in XXXX and proceeded to open a Wise Business Account under my business email. This account was deactivated ( with funds in the account ) sometime this month, I only realised it when I tried to login on the XXXX of XXXX, 2023. Since it's been about 130 days since my first appeal and still no answer, I decided to contact customer support directly. The initial response was quick, stating that customer support can not provide any info and the only thing that I can do is to appeal. I responded and requested contact information for the manager and/or someone in the appeals department, since the appeals team doesn't respond within the stated 20 working days. I received no response and have asked for and update two times after that, still no response.
Product: Credit card

My Discover Credit Card was stolen and fraudulently used to purchase approx. $ XXXX in gift cards and {$180.00} miscellaneous in a different city. I have not used this card over a year. Discover sent me an email to confirm authorization, but I missed it. The person that used the card called Discover to authorize the charge. They did not call from my phone number, but a phone number that I do not recognize, nor I do not have it saved in my cell phone. The credit card company claimed that the voice calling matched my voice, and therefore it is an authorized charge. However, the process for matching voices is based on opinion of the investigators within the company, and they did not allow me to listen. They did not check video footage. The case was opened twice and still concluded " the charge was not fraudulent ''. 

For context, I do not use this card and only keep it active because it is my oldest card, since credit reporting values the amount of the time that credit accounts have been open. The card used for the fraudulent charges is missing/stolen. Based on my purchase history, it is not likely that I am someone that would purchase thousands of dollars of gift cards in the middle of the night and I was not in the city that the second charge happened the next day. I rarely go to the grocery store that the $ XXXX charge occurred, and do my shopping at other grocery stores.
Product: Debt collection

On XX/XX/XXXX I had a preventative care visit at one of my physicians under XXXX which is fully covered by my insurance provider. In XX/XX/XXXX I was notified that I owed {$50.00} to my physician 's office for the visit. I contacted XXXX XXXX XXXX XXXX and advised it should have been covered by my insurance carrier XXXX and I should not be charged. I was advised by XXXX to disregard the bill that it was an error from the Dr. 's office that they encoded the visit wrong. Approximately a 1-2 months later I receive another bill for {$50.00}. I contacted XXXX again and was advised to disregard the bill and that there was a note on my account. In XX/XX/XXXX/XX/XX/XXXX I received a notice from a collection agency Apex stating I owed {$50.00} to virtua and my account is now in collection. I reached back out to XXXX who advised to disregard the bill and that it was sent to the collection agency in error. In XXXX XXXX resubmitted the claim to my insurance carrier and advised that everything was resolved. On XX/XX/XXXX I received a collection notice for the same issue now for {$110.00}. I contacted XXXX and was advised XXXX denied the claim due to it being 180 days after the visit and sent a notice to XXXX that they must send an letter of explanation in order for the claim to be paid. I have reached out to XXXX, who advised I don't have a balance or an account in Collections and has asked I forward the collection notice. XXXX provided a fax number which did not work. I have been calling on a weekly basis since XX/XX/XXXX and can not reach anyone, have left several messages and do not receive a call back. The issue is still outstanding and at risk for damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is a Hard Inquiry on credit report from today XX/XX/2023 in which - *I did not initiate * with JPMCB CARD SERVICES Inquiry : XXXX. XXXX, XXXX. XXXX retrieved via XXXX  XXXX  today. I did attempt to reach out to the company at the # on ( XXXX ) XXXX without any success of speaking with someone.
Product: Mortgage

I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.