23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.
Product: Credit card

I needed emergency dental care and used Care Credit XXXX Synchrony Bank ) for it. My card was charged XXXX separate times for a total of XXXX by my dentist. 
I never received anything in writing about any fees, promotions- I was just given a statement from my dental office with the amounts charged. 
Yesterday I went online to look up my account with Care Credit and was shocked to see my total due {$8000.00} when my balance was XXXX at the end of XXXX. Last month I made a payment of {$650.00} and havent used my card in over a year. 
I make my payments but I have been late a few times. I called XXXX and asked them how I could have such a high balance owed. The representative named XXXX told me I did not pay off the balance on my card before the promotion and that if I agreed to pay them {$2300.00} before the end of XXXX days they would waive the upcoming {$800.00} fee for missing payment in full. This is supposedly another promotion but I did not know about any promotions or fees I would be charged if I did not pay my balance off. I spoke with them a couple of months ago when I was having a hard time making my monthly payments and they offered me a settlement of XXXX payments {$1300.00} each month. I have been sick and in and out of the hospital and they rescinded that offer and told me the best they could do for me was for me to come up with {$2300.00} and they would waive XXXX {$800.00} charge coming up. I do not understand these charges or how they can continually hit my account with an {$800.00} fee every month. At this rate my credit card bill will be {$100000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Credit card

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Mortgage

On XX/XX/year>, my home was completely destroyed in a wildfire in XXXX XXXX, CA, a federally declared disaster area. My homeowners insurance carrier issued a payment of {>= $1,000,000}, which is currently being held by Wells Fargo in a restricted account. 

Due to the extensive damage caused by the wildfire, with nearly XXXX homes affected, the rebuilding process is expected to take several years before construction can even begin. Despite holding a substantial sum of my insurance proceeds, Wells Fargo has indicated that it will not pay any interest on the balance. Given the inevitable delays in rebuilding, the lack of interest accumulation on these funds significantly impacts my ability to restore my home. 

On XX/XX/year>, I spoke with the Wells Fargo mortgage department, and they verbally confirmed that I would receive 2 % interest on the restricted funds. However, they have since retracted that statement and now claim that the interest rate will be 0 %. Additionally, Wells Fargo has refused to provide any written confirmation of the terms governing the restricted account, making it extremely difficult to plan for the rebuilding process. 

I am requesting assistance in ensuring that Wells Fargo provides fair treatment by honoring their initial statement and paying interest on the restricted funds they are holding. Without interest, the prolonged delay in accessing my insurance proceeds will result in financial hardship and diminish my ability to rebuild. I seek the CFPBs intervention to ensure that financial institutions do not unfairly benefit from holding large sums of insurance payouts while disaster victims face prolonged recovery periods. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXA Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This Account is not mine I have been getting fraudulent activity on my account profile with creditors and it has been reported in the pass. Harris & Harris , Ltd is the collection office that added a negative account with my creditors. 

Thank You
Product: Debt collection

I have no idea when Credit Control , LLC took over. I received no notice from the previous debt servicer that the loan had been sold to another debt service company. Months went by without communication from either company ( I cant for the life of me remember the name of the one prior ). When I finally received a notice from Credit Control , LLC it was an account statement that informed me I could now make payments on their website using my account number. When I called a very nice lady walked me through the process but to no avail. I made a mistake and got myself into debt when I was out of work. I spent too much money on a suit for a job interview that never netted me a job. Thats on me. However, in my opinion, its incumbent on the credit card companies and the debt service companies they sell to, to keep consumers - whether they have sterling credit or not so sterling credit - better informed. I may have just continued to send checks to a company that didnt have my debt, which was my fear when I couldnt log in to the website. I didnt, but you see the issue. My last communication with them was last week when we discovered my account number was invalid on the website. Ive called and emailed to ask at least for a letter showing chain of debt ownership and I have yet to get a response.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a letter saying I was denied an Amazon.com Visa Signature card from Chase that I never applied for. This affected my credit rating so I contacted the CFPB, ( previous complaint #  XXXX ), to handle this with Chase. It seemed the issue was resolved but now I received ANOTHER rejection letter dated XX/XX/XXXX ( Chase reference # XXXX ) for the exact same thing. At this point, my credit score has been affected again and I now consider this to be either Identity fraud or at the very least harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a XXXX XXXX XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Payday loan

I applied for an installment loan for XXXX with monthly payments of XXXX for 12 months. I had no idea this was payday lender or loan.The lender looks like a bank and the employee told me that this was a monthly installment loan due in 30 days. She had me to bring my bank statements and most recent paycheck stubs, they also ran a credit report. Exactly 8 days later she phoned and demanded payment of XXXX every pay day which equals XXXX per month. I did not apply for this type of loan. I was mislead! This is an impossible situation. I would have NEVER applied for a loan with these terms -I borrowed XXXX and would be paying back XXXX in 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned XXXX XXXX  XXXX is a new account and I have to fix this problem. There are accounts listed on my credit report that just popped up under National credit System collecting for a company called XXXX XXXX XXXX for {$7100.00} and XXXX XXXX XXXX {$6200.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX account number XXXX and XXXX I was not familiar with these accounts and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. National credit System then removed the debt and placed it back after a month. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXX  XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice. TYPE OF ISSUE Didn't receive notice of right to dispute want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publish this description after the CFPB has taken these steps.
Product: Credit card

Im very concerned about this late payment since my payment history is always on time. Please correct this mistake and remove it from my account. 
XXXX XXXX XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, US DEPT ED, US DEPT ED, DPEDNXXXX
Product: Debt collection

I received a letter from Act Control Technology stating I owe the U.S Department of Education, but I am currently paying the only student loan I owe to a company called " XXXX ''. I consolidated my student loan with XXXX about one year ago. I received a similar demand letter from XXXX a few months ago and disputed the account with them. I have not heard from them since. Now I am getting another demand for the same loan XXXX was trying to collect. I believe the student debt " Account Control Technology '' is trying to collect is not a legal student debt.
Product: Bank account or service

I had a CD with Synchrony. When it matured, they rolled it over without asking ( fine print in the contract ). I called TWO DAYS later, but they were adamant. Told them they can keep the interest earned since it rolled over, but they charged interest on the FUTURE time that the CD would be with them - six months ' worth. 
I called and explained there was a death in the family and that is why I needed the money. They asked for it in writing, saying they would break the CD and not charge a fee. 
I sent them the letter, but they never bothered to respond. They mailed a check, deducting the money they basically stole from me. They took half of the interest from the previous year. 
When I called, their representatives said they had made a mistake, but that they would not pay for it. They did not hide the fact that they had my money, there was nothing I could do about it and that they did not care what their customer thought of their actions.
Product: Money transfer, virtual currency, or money service

I received a phone call and the caller id said it was my electric company. They stated that I need to make a payment so I sent the money. It didn't feel right so I called the electric company directly and they immediately said it was fraud and to contact the bank. I called the bank and they said that they couldn't help me because it was done thru XXXX and to contact XXXX. I then called XXXX and they advised they couldn't help be because it was thru my bank app and not the XXXX app on my phone. Now I have lost {$490.00} because I was threatened to have my electric turned off and I don't understand why the bank can not help or get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is governed by 15 USC 1681. And they have violated my rights. I request that the accounts be removed. according to 15 USC 1681, I have the right to privacy and did not give Equifax or XXXX permission to publish the accounts listed below : XXXXXXXX XXXX XXXX  - ( This is an account with XXXX bank I'm unfamiliar with ) on my EQUIFAX report it is the only inquiry XXXX XXXX XXXX - Also on my XXXX report XXXX XXXX -- -XXXX
Product: Mortgage

On XX/XX/XXXX I sent a check for {$740.00} to XXXX XXXX in XXXX, Nebraska. The check was given to me for damage clean up of my bathroom and laundry room where a toilet had run over and the excrement had gone through the floor. All they had to do was endorse the check as required, and return it to me so that I could pay XXXX XXXX for the work they did. I called them on numerous occasions to ask where the check was, the last being today ( XX/XX/XXXX ). They told me each time that a review was being done and it would take 5 days and then 5 to 7 days en route for the check. On XX/XX/XXXX, as requested, I emailed them a copy of the estimate for repairing my bathroom which is {$8800.00} and has been approved by my insurance company. They told me that would take a review of 5 days as well and I should be getting the check back in about 10 business days. I have no idea what's happening with that. I'm worried now that XXXX XXXX is not going to want to fix my bathroom because they fear it will take months to get payment with XXXX XXXX having to endorse the checks. I understand that XXXX XXXX has an interest in the property and needs to know about things being done but this is ridiculous. I'm embarrassed to call XXXX XXXX and tell them XXXX is giving me the same old story again. XXXX  sent me a letter asking for my homeowner 's association information to which I replied that I don't have any homeowner 's association, I'm in a private neighborhood. I sent them a picture of my house so they could see that it's being cared for. I'm feeling like they don't trust me but for what reason I have no idea. I just want the check and I want it A.S.A.P. Anything you can do to help will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX opened XX/XX/XXXX amount {$7400.00} -FTC Violation JXXXX XXXXd opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$320.00} - HIPPA Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXXXXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Product: Checking or savings account

I opened up a checking account with Truist for a {$400.00} offer if I met certain terms. The terms were to deposit {$50.00} when opened account online : I did that. The other terms were to complete 2 direct deposits totaling {$1000.00} or more. I set up direct deposit and deposited {$500.00} each pay period. When I checked, it said the offer never applied. I opened a complaint with Truist and they told me their promotions team would open a research request. I member of the team called me and told me that I do in fact qualify and have met the terms but that the promotions team has a major backlog of items to go through. I was told 25 business days for a resolution. Those 25 days ended XX/XX/2023. I reached out again and was told it would be an additional 25 business days to research why the promotion didnt apply, even though it was confirmed by their team member that I have met all qualifications. They are asking me to keep the account funded with the money until they can get around to the request. Which is an additional 25 days. This is misleading and the fact that they have a major backlog means that they have done this to several other people. I see ads for them promoting new offers and they should not be advertising something they do not intend to deliver to their customers.
Product: Debt collection

I noticed funds were being held on 2 of my bank accounts. I was informed by my bank it was garnishment from Portfolio Recovery and they are holding double the amount theyre asking for. I have received no written notification about what this is regarding in any form. The contact information I was given by my bank does not answer or return calls. Any outstanding debt I may have is from well over 7 to 20 years ago. My bank tells me I have to wait for the response from Portfolio before they will release any funds but will most likely be half of what was taken. I guess Ill have to contact my own attorney at this point.
Product: Debt collection

I took out student loans with Citibank. I paid and consolidated the rest of my loans. I contacted Citibank and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.