23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened a " line of credit '' with XXXX XXXX XXXX in XX/XX/XXXX. My grandmother XXXX XXXX suddenly from XXXX and I took out the " loan '' to travel to Ohio for the funeral. The " line of credit '' consisted of a {$100.00} origination fee and a 273 % interest rate. I never intended for this to be a long term thing. I only borrowed about {$700.00} back in XXXX and I still owe over {$1000.00}. The first year cycle consisted of paying off the " line in credit '' entirely and borrowing the money again the same day. Each month I would have to pay a {$100.00} origination fee to open a new line of credit that consisted of submitting a new application, employment verification and a copy of my bank statements. I didn't understand why a " line of credit '' had to be forced closed and and new " line of credit '' opened each month. I thought a line of credit was open ended. The representative never explained that you could make payments at anytime and withdraw from the line of credit until after I was trapped in a year later. I went in to make a payment in XX/XX/XXXX with my refund to get this line of credit paid off once and for all. The female employee working in the XXXX store location told me that paying off the line of credit would hurt my credit score because it would report negatively to the credit bureau after the balance was paid off. I talked to this employee for at least 30 mins about paying off the balance. The employee told me that it would be best to make a payment but keep the line of credit open to improve my credit rating. This young lady convinced me to make a {$400.00} - {$500.00} payment on the line of credit and to keep it open that day. This was a decision I seriously regret. I went in to make a payment next month only to find out the payment I made was applied to the loan cycle interest. How is it that you make a payment only to them send you a statement a few days later reflecting the available credit was applied to interest charges. I went in to speak with the manager and explained the situation and she apologized for the deceptive credit information the young lady gave me the previous month and told me she was no longer employed with the company. They also informed me at the time that they did away with the {$100.00} origination fee. I asked what would happen each month when I have to make the payments and they didn't give me any additional information. Over the past few months I have noticed the monthly payments have gone up to roughly {$300.00} per month for a {$700.00} loan I've been paying on since XX/XX/XXXX. I asked the store manager about settlement options or long term payment arrangements and they basically told me they don't offer settlements or any other payment arrangements. I feel that XXXX XXXX XXXX  used deceptive tactics to trap me into this loan so that they could continue to pocket my hard earned money. I have been charged over {$1800.00} in interest alone since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at roughly XXXX XXXX Pacific time ( US & Canada ) I purchased goods and services from XXXX XXXX ( XXXX XXXX via PayPal for the prices of {$100.00}. I did not receive any of what I paid for and after trying to resolve the issue and collect my refund I was told to go to another online payment website to which I declined. It is clear this person is falsely advertising his or hers service in the hopes to eventually sway the consumer to cut their losses. I am willing to take legal action if necessary. 
Transaction ID XXXX
Product: Money transfer, virtual currency, or money service

I had a customer deposit {$2500.00} for a job Sunday XX/XX/XXXX. It's now Wednesday and the funds are available in my account. PayPal is holding my money up after they tried to the XXXX XXXX XXXX hasn't released the funds, and customer called his XXXX Monday and the funds are out of his account and released on Monday already. PayPal is holding the money up and this is the XXXX time they've done this. They did this with a {$5500.00} deposit before.
Product: Debt collection

They have called me numerous times throughout the day. They have called my workplace and relatives who are not authorized and have provided personal information. When I have called the telephone number, they have treated me badly and have spoken to me with the threat of taking me to court. I have asked them to send me detailed information about the debt, company and a payment agreement that I can afford, but they don't want to.
Product: Debt collection

This company is attempting to collect a debt from me for services not provided. I have never signed or agreed to a contract that states I will do business with them. I have attempted to have this company legally validate any alleged debt via certified mail. They have not furnished any such legal validation.
Product: Debt collection

I have sent notices to XXXX XXXX XXXX XXXX whose address is XXXX. XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and have asked them to verify and validate this supposed debt. So far, all they have sent me are copies of billing statements. I have also asked for and have a right to documentation with my signature that shows I owe this debt and an agreement that grants them the authority to collect on this alleged debt. I also would like a copy of their state license, including the license number which gives them the legal authority to collect in the state of Ohio. Again, I have received nothing from them other than some billing statements. I have no signed contract with this company and they have provided me nothing whatsoever with my signature on it.
Product: Credit card or prepaid card

On X/XX/17 I set up auto payment for my new credit card account with Capital One. Apparently this auto payment information did not save? No one reached out to me, but when I logged in 3 months later I saw I was 2 months past due, 2 months worth of late fees had been assessed, my account was now past the limit because of the additional fees, and I now had 60 days late on my credit. When I reached out to the agent she suggested I perhaps updated my checking information. I did n't - and when I went to make a payment the information was still stored. She then suggested perhaps my email went to spam? Something like 30/60/90 days past due because of a glitch in the system require more than an automated email that goes to spam. When a consumer sets this up, the intent is that it works and they do n't have to check back in every month to ensure the company 's software is functioning properly. Furthermore, I tried to discuss this with the agent who gave me incorrect information, then continued to just copy + paste all of my past due dates, which does n't even start to resolve the problem. The chat was with XXXX XXXX, starting at XXXX. Her ID is XXXX.
Product: Credit card

My business and personal Amex cards which I ran hundreds of thugsands of dollars through and in XXXX  years had XXXX late payments. I applied for a car loan and Amex hard shut my cards that minute and put alll my balances in collection. XXXX XXXX didnt save thing XXXX hour later. I wrote this because I settled with Amex both accounts in the amount they would accept and today I was notified they never were aware of a settlement and asked me to settle in the remaining amount they originally forgave. I paid find complains with terms and times lines. This hard royally rocked my life my business my employees everything. I had one 30 day late payment in XXXX  years and I have a XXXX and they keep reporting me late or not paid but I have paid or its supposed adjusted and it takes months or doesnt happen. They have made me not able to get loans or XXXX  or another credit cards. Ive used all my savings for kids and a house paying they and trying to keep XXXX  business afloat with zero access to XXXX  at all XXXX. I did nothin wrong! I always paid. I paid my settlements and now they can not find them.?!?!? Please help me please its been XXXX years Ive paid hundreds of thousands to them. I started my company with nothing XXXX, I dont have a college degree and I worked XXXX exaggeration 90-100 hours per week for XXXX  years. I built a reputation and a reputation within Consumer packaged goods manufacturing, sales, and data. This segment of the economy doesnt look at a candidate without masters degrees from the most prestigious universities, a pedigree of the largest most successful manufacturers and data companies in the world, and being part of the old boys club. I had to claw every inch I earned for these XXXX companies to take everything. I just want my savings to marry my fiance and buy the home I had saved every cent I could to put us in a position to have kids and give them the best life I could. Not benches in XXXX or the XXXX XXXX innn where I ended up and started to rebuild. I paid them what I owed and multiples on multiples and they keep coming for me. XXXX XXXX will not even negotiate and way to pay them including paying XXXX % in XXXX lump sum which was every penny my fianc has saved and they denied and and told me to bad essentially I keep paying and paying them. I didnt do anything wrong! I didnt harm them! I made them money! Why do they want to just drown me Ive given my money my relationship and my health up to keep them happy and avoid putting my head under and theyd just did. This is all I have left if you alls please help. I dont know what to do! I did everything they asked paid everything they said and keep coming
Product: Debt collection

XXXX of 2017, I attended a Nightclub/Lounge in Washington DC with friends and left my wallet in the car taking only my main Cash and Cell Phone. When we returned to the car the window was smashed out and several items including my wallet had been stolen. The following days resulted in {$1000.00} 's of dollars spent at random XXXX XXXX in XXXX, MD and several online orders. Thes purchases were made on Credit Cards that I quickly canceled and replaced. A few weeks later I get a Bill for a Medical Procedure. I can affirm that this is a result of Fraud/Identity Theft. 

There isn't a day that goes by that someone does not mistake me for someone else. I would assume that my generic face was used in an Identity Theft scam so that someone could tend to some Health Related XXXX. 

I have successfully disputed this on each of my credit reports year after year and it keeps popping up, citing that the debt was sold to another collections company. 

Please assist me in acquiring a notice to block this from reappearing after being deemed Fraud. 

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

I contacted Lawson Hamilton and AS I reference to a medical collections account and it not belonging to me. They verified that the birthdate and social did not match my information however the account remains on my credit report. I have asked them several times to remove it since it does not belong to me. This is causing me to have a negative item on my credit report and not being able to qualify for a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!
Product: Debt collection

XXXX XXXX is a prepaid medical provider you must prepay before any services or rendered. I have records of me paying 160 because they do not take medicaid.They both my report as closed and the collection is reporting derogatory closed.
Product: Credit card or prepaid card

On XX/XX/2021 I paid ten thousand into a service using the American Express Business Card with that XXXX account numbers ending in XXXX XXXX XXXX XXXX XXXX XXXX is the name of the company. My limit on the card is {$10000.00}. So that limit was used. 

On XX/XX/2021 American Express charged an over the limit charge to the same company for {$5000.00} without my knowledge. No phone calls, no emails, no text. Though they have all of these contact information. 

It was not until the following bill cycle that I realized the extra charge on the card and also the threatening collection call from an American Express employee about placing the extra {$5000.00} they call, " Past Due '' on my credit report. 

I did not authorize this charge but I agreed to pay it off. I requested a work out plan with American Express, and they declined on several attempts to pay the over the limit amount off. I requested to be a part of a payment plan until it is resolved. I was clearly told " no '' by an employee. His employee ID is # XXXX and according to him his name is XXXX. He would not provide me his last name. 

When requested, XXXX would not pass me to a supervisor, or a manager to help resolve my concerns. Instead he offered that I dispute the charges. I countered that I did not authorize it and so there should be no charges. Can you give me the information to your legal counsel, I asked. He said " no ''. 

I told XXXX, why did not anyone call me to authorize the over the limit charge and why are you threatening my small business with bad credit reporting on a charge they made without my authority. I agreed to pay and just want them to work with me. I have never missed a payment with them and pay on time and over the amount due.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$250.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$590.00}
Product: Credit card

I paid -off the balance on my XXXX XXXX XXXX Synchrony Bank XXXX and had a credit line of XXXX. Within XXXX week the company reduced my credit line to {$110.00} and the available credit was {$6.00}. 

I spoke to a XXXX XXXX XXXX  a XXXX, and an Account XXXX and none of them could tell me why this was done and that it would take XXXX days to reconsider restoring my credit line to the full {$4000.00} limit. 

This seems improper, prejudicial, and an unfair business practice. 

I would like my full credit line of {$4000.00} restored immediately.
Product: Mortgage

see complaint number XXXX  THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page 1 XX/XX/XXXX, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/XXXX WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 account without my written instructions.
Product: Vehicle loan or lease

I brought a XXXX XXXX XXXX in XXXX and paid it off, JPMorgan chase bank turned around and said I own {$2100.00} and send my name to credit bureau I have requested for them to validate their claim they are not able because it is a false claim, and has ignored all my request. I am requesting that they should remove this charge off from XXXX which has pass status of limitation from my credit, it is causing a hard time as to getting other loan and bettering my credit. 

Thank
Product: Money transfer, virtual currency, or money service

My investment account with XXXX requires a link to my bank account with PNC and I would like to do that but for some reason PNC is not allowing me to do that. Today ( XX/XX/20 ) I tried to link my accounts and I was unsuccessful because PNC changed something and will not allow it. Please investigate. Thank you.
Product: Checking or savings account

There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.
Product: Debt collection

Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was sent three seperate transactions to my bank debit ending in XXXX for {$600.00}, {$900.00}, {$1500.00} only problem was that card has been inactive for XXXX years. Cash app states they sent the money in thats that, there not trying to help me locate the money. My bank in cash app was on a phone call in they still proceeded to not give us any help which leaves me at a dead end. Cash app stated in a email that this a issue between them in my bank but they still are not helping