23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

M & T bank is not reading the receipts I already did a complaint with them theyre saying it was another bank when we only dealt with them, XXXX XXXX needs to read the amounts involved and would obviously see there is a discrepancy there, our home equity loan was roughly XXXX XXXX  and we paid off XXXX all I want is breakdown on the dispersal of the XXXX that was paid to them, Ill attach a monthly receipt to verify this
Product: Credit card or prepaid card

Hello, This past XXXX I made a purchase at XXXX XXXX and used their in-house financier - TD Bank to fund the purchase. XXXX let me know I wouldn't have to pay the fee until the items arrived which was some time in XXXX. They also let me know TD would be sending me a welcome packet with account information so I could setup bill pay. It wasn't until XX/XX/17 that I finally heard from TD Bank in the form of a collections note. I immediately paid the bill over the phone and asked for all my bills to be sent to me moving forward so I could access my account number. During the rest of XXXX and the month of XXXX I made XXXX more phone calls to TD Bank and spent at least XXXX hours on the phone trying to get my account number. My first bill didn't arrive until late XXXX so I missed another payment for an account I couldn't access nor did I have any knowledge of the amount due. During this time my credit score dropped from XXXX to XXXX all because TD Bank failed to send me any account information or a bill for XXXX  months. And they've had the audacity to add late fees to my account. They were also supposed to send me a credit card however it still hasn't arrived. 

As I understand it you will be sending the complaint directly to the company but if I've already complained to them several times asking for a simple bill that took them months to deliver how will this help me? 

Thank you for your help. 
XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here are the hard inquiried I have asked you to verify as accurate : Inquiries & Date of 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 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 ) These inquiries were never authorized. I do not recall approving these inquiries. Please provide documentation proving that I approved these inquiries. They are affecting my ability to obtain credit. I would appreciate it if you would show proof that I authorized them or delete them from my reports. XXXX, XXXX and Experian failed to investigate these inquiries properly after I repeatedly asked via written request to have the inquiries removed. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following inquiries : Inquiries & Date of 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 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 XXXXXX/XX/XXXX )
Product: Credit card

I believe my personal information was stolen last year, and an unauthorized individual used my credit card information to make fraudulent charges. I want to emphasize that I did not make these charges, and I am determined to prove my innocence. 

I would like to request an investigation into the IP address and location from which these fraudulent charges originated. By identifying the source, we can gain valuable information that may help resolve this matter. It's important to note that I have always been responsible with my credit cards and have never failed to make payments in the past. 

I kindly request that the Bank of America thoroughly review this case and reconsider its decision to hold me responsible for these charges. I ask for the removal of the fraudulent charges from my credit card statement and the removal of any negative impact on my credit history associated with these charges. I am committed to working with you to resolve this issue promptly and fairly.
Product: Debt collection

I filed a complaint with XXXX asking for debt validation company failed to validate debt.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my recent complaint dated XX/XX/XXXX. To my dismay, I have received no response from your office regarding my previous attempts to address numerous errors and fraudulent information affecting my credit reports. This complaint serves as an urgent follow-up, seeking your assistance in preventing further harm to my financial standing caused by these malicious items. Despite my diligent efforts to rectify these issues with your Credit Bureau and the carefully crafted letters I have sent to your office, I have encountered only silence in return. Moreover, the same disputed items, which I vehemently challenge, have resurfaced in my most recent credit report, highlighting a clear display of negligence and incompetence. Below, I outline the distressing list of items that I am once again seeking to dispute : Experian : 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 Balance : {$0.00} 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: Checking or savings account

Wells Fargo XX/XX/2022 {$1500.00} My family stayed at a condo in XXXX XXXX, SC for a vacation. None of the facilities, elevator in the house, or heating worked. There were exposed wires in the ceiling where the ceiling fans should have been. We contacted the resort and they refused to give us anything back. 

I disputed the charge through my bank, Wells Fargo. After providing my information and my conversations with the resort, they closed the dispute and did not give me the money back. They did not provide any support or documentation about the dispute. They have also locked me out of viewing any of that information on my account.
Product: Mortgage

First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them.
Product: Mortgage

After four months of being lied to and thousands of dollars spent ( because that was the only way we were going to refinance through FHA ) XXXX XXXX dropped the ball. This has been a horrible experience. They asked us to give the a foundation certificate ( among other items we have provided ) that we gave to them months ago. Then at the very end of our loan ( 4 months ) said we needed to re-due the foundation with in a week or they cant help us per FHA. FHA does not require this. It comes down to the fact that we have a manufactured home ( in great shape ) and instead of telling us at the beginning of this four month process that they weren't going to refinance manufactured homes any more, they gave of a list of items that they were in hopes we could not provide. This last item would cost several thousand dollars, they new this. They have ruined our credit ( we had to max out all credit cards and spend all of our savings to replace roofs, windows, etc. I have emails and documentations to prove that they told me several things that were not at all true.
Product: Money transfer, virtual currency, or money service

Someone sent me money on cashapp. When I tried to send the money to my bank account. I was told by cash app that they dont support that bank account ( XXXX business ). So I changed it to my XXXX  XXXX. I tried to send the money there. I was promoted by the app to enter a XXXX Pin. I never created a pin. I was never given a pin. I tried using the pin for the XXXX XXXX account. I friend ever 4 digit number I could think of. None of them worked. I tried to use the app to change the cash pin but it asks me for the old cash pin. Which I dont have. I contacted customer support through this process. I received an email from XXXX, XXXX, XXXX XXXX and XXXX. All from the same email address. XXXX Ive told them all the same information. And no one has helped. They cant reset my account. They cant give me a pin. Theres no way to speak with a human. Theres no way to close the account and have the money mailed in a check. Were in a pandemic and I need my money. The amount is {$250.00}. Ive emailed. Ive tweeted. I dont know what else to do.
Product: Credit reporting

Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.
Product: Credit card

I am filling a a series complaint against the XXXX credit agency 's. 

I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. 
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ONEMAIN FINANCIAL 2. XXXX XXXX XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1-Date reported XX/XX/XXXX amount is {$8200.00} XXXX  XXXX XXXX- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} XXXX XXXX XXXX showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- state collection- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent a certified letter to TransUnion in XXXXXXXX XXXX XXXX, which i have a certified receipt for. I received a updated document of some things that were removed in XX/XX/2021. But there was some other accounts still there. So in XX/XX/2021 I called and was told they would investigate the matter. I received a letter with the same information, along with one of the collection agencies not showing. But it definitely shows when i look at my credit on XXXX XXXX. So I wrote another certified letter with proof and I received the same information on XXXX XXXXas these accounts being accurate. So in XXXX this year I received a letter from one off the companies decreasing. this debt they say I have by almost {$2000.00} when I don't owe anything.
Product: Credit card

I logged in to get a hold of my account. Both of my balances on my XXXX  and XXXX  cards are double the limits. I let them know this is a fraudulent payments and charges to my account. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last XXXX months. I have been battling a XXXX XXXX episode for the last XXXX months. I have been out of my day to day life with nobody available to help me make payments. I am trying to get myself back together now and made a payment only for my account to be severely damaged. I need access to credit all of this has destroyed my life. I need assistance with this. This has happened to my XXXX and XXXX credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Have send several letters with supporting documents to XXXX, XXXX and XXXX requesting my name change, address change,XXXX  closed accounts and XXXX  Hard inquiries to be removed but all 3 credit bureaus have failed to assist me with my credit score instead my credit score is being sabotaged.Please I am asking for help to fix this issue.Thank you.
Product: Mortgage

We believe that NationStar is doing bad business practices. We have never heard who they were until a few days ago. Right path didnt give us they name. This is a loan that should have been written off in our bankruptcy of 2014 as it was a loan between XXXX and my husband. XXXX changed paperwork to a mortgage and quickly sold it to XXXX XXXX XXXX XXXX  who had an affiliation with XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX  who in turn apparently sold it to Rightpath who we are finding out has an affiliation with NationStar. If one notice on the justice system XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now NationStar have been sued these kind of bad business practices. We ask for assistance for anyone that had any of these three companies trying and have taken their homes from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX/ XXXX  account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not.

the original debt XXXX/XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX  as a debt unpaid is both fraud and illegaXXXX XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Failure to report the transfer or sale of the account misrepresent its status, in violation of 15 USC 1681s-2 in addition The continued reporting of an active payment history beyond 180 days without accurate updates violates 5 USC 1681i ( a ) ( 5 ) XXXX report : XXXX- Account # N/A, High Balance : {$630.00}, Date Opened XX/XX/year>, Balance Owed : {$630.00}, Closed Date : Not Available, Payment Status : Collection/Charge-off, Last Payment : N/A, Account rating : Derogatory, Account Status : OPEN, Original Creditor XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted forbearance on all late payments on my student loan. I even updated a document outlining the terms of my forbearance from the lender. All late payments were forgiven up until XX/XX/2019. I submitted a dispute with Experian on XX/XX/XXXX. It was marked as completed today, but when i looked at it, absolutely nothing was done on the account. I tried calling multiple times, but i can get no one on the phone to help me with this issue.
Product: Vehicle loan or lease

I had received a voicemail from my lender. It was a XXXX minute message. The first XXXX seconds were directed to me and my voicemail. The last XXXX minutes and XXXX seconds. They were coughing, and then another voice came over asking about the file. They had no knowledge of the company. The lender went on telling them the personal issues that I had stated to them and since my file was on their screen my personal information was seen. At the XXXX minute mark the voicemail ended so I was unable to get the remaining conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

Hello, The bitcoin wallet site coinbase.com just locked my account on XX/XX/XXXX without any reason and seized my funds, now I can not access to my account nor to my funds. They locked my account without any reason. Please help me get my funds back. A lot of people are complaining about coinbase fraud and I 'm one of those victims, I sent various emails to coinbase support but they do not respond at all. They 're making people fool and locking their accounts. I have almost {$1000.00} USD locked in my account, Please help me get my funds back. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. Transunion nor XXXX will provide me verification letters.
Product: Credit card or prepaid card

I made a purchase for the original amount of {$2400.00} with Syncrony Financial  Credit Card at XXXX XXXX XXXX After making my payments every month On XX/XX/20 my account balance was {$1000.00} Then on XX/XX/20 I was charged {$1400.00} According to a virtual representative that amount represented 29.99 % interest rate. 

So, from {$1000.00} I owed on XX/XX/20 Then I owed {$2500.00} I never received a Promo Expiration Message from Syncrony Bank The math doesnt add up and none of the representatives I have spoken to via live chat or phone have been able to verify the charges. 

All I need is for someone to demonstrate those numbers are correct.

I believe I have been wrongfully overcharged fees.

My experience may just represent the story of potentially thousands of individuals who have been overpaying amounts they dont owed. 

I have all documentation to prove my case