23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from PORTFOLIO RECOVERY in XX/XX/2018 in the amount of {$470.00}. First and foremost, I have confirmed that the debt collector, PORTFOLIO RECOVERY is not licensed in the state of Texas to collect on this debt. Secondly, PORTFOLIO RECOVERY violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to PORTFOLIO RECOVERY? I have never heard of them, have no written contract with them and have never received any benefits from them, yet PORTFOLIO RECOVERY has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$470.00}.
Product: Bank account or service

Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that the following companies ( XXXX, XXXX, Experian ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please correct
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C1681 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.
Product: Debt collection

I had a credit card with XXXXXX/XX/XXXX that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted XXXX trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called Lloyd and McDaniel and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties XXXXXX/XX/XXXX and Llyod McDaniel. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.
Product: Credit card or prepaid card

To Whom it may concern, On XX/XX/XXXX i received a text message alerting me that my card was been used. 

I immediately called Wells Fargo ( XX/XX/XXXX ) around XXXX Customer care agent told me that I have nothing to worry about no transaction recorded at the moment. on XX/XX/XXXX i notice my statement has {$6900.00} of a purchase at the CHANNEL STORE # XXXX in XXXX I called WELLS FARGO ( XX/XX/XXXX ) and they ask a few questions told me that a case will be open for investigation. Adjust my account removing the fraudulent charges on XX/XX/XXXX just to put the charges back the same day. 

Call back WELLS FARGO on XX/XX/XXXX and they said the investigation didn't go on my favor because they know for a fact that I did authorize the transition this statement is not True. I have explained so many times to Different agents that it was not me i was in the State of NJ when this was happening in the state of New York. 
Ultimate they have advised me that I am responsible for charges and i have to pay. this is not a fare investigation ; I can't be responsible for something I didn't do plus being accused of fraud myself when I am the victim. 
if you need additional information for this to be solve, I am open to provide please reach out to me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit pulled from Goldman Sachs XX/XX/2022. I have not applied for any additional credit.
Product: Checking or savings account

At the end of XX/XX/, I went in bank to get in my safety Deposit box to take out some savings bonds. I was told that I could not get access because they are going through the abandoned boxes. I did say that I had my box for many years ( 25 years ) and paid for it every year. That was when I found they were discontinuing the safety deposit box at the end of year. I was allowed to go into box in about an hour latter. Everything seemed fine but the girl had trouble with the lock on my box. I told them that I would empty box in XXXX when my yearly rental would end. I went back in XX/XX/XXXX  and XXXX XXXX took my keys ( 2 ) and put in his pocket. I am not sure if he took the keys out of his pocket or it opened without my key, but he got in my box. I emptied it out and went home. I then discovered I Had 2 valuable antique diamond rings missing and XXXX old ( XXXX ) silver dollars missing out of XXXX silver dollars. I keep thinking it must be in there so I kept looking again and again and again. But no luck!!!!! I also had upcoming total XXXX XXXX in XXXX XXXX. I was also thinking about that. 
After my XXXX and XXXX, I spoke to XXXX XXXX XXXX XX/XX/XXXX ) at Santander customer service and she would start a case. On XX/XX/XXXX an XXXX XXXX XXXX ( XXXX ) called me to listen to my complaint that I thought someone had thought my box was abandoned and went through it and took my valuables. I asked them to look at the camera video of anyone going into my box. Cameras don't lie but people do. 

On XXXX I finally talked to XXXX XXXX and I was told that it was fully investigated and my case was closed. I asked about camera footage and did they see the footage of the girl having trouble with my key. No answer to that. I was told to hire a lawyer and get a subpena ( sp ). 

Totally shocked with response. I am XXXX XXXX, XXXX was using scare tactics to scam an elderly who has been patron of this bank for over 25 years. Either the bank does not have camera access or they are trying to hide the thieves that work in this bank. I hope you can help!!!!
Product: Debt collection

I reserved a letter from an hospital i never visited so i assumed it was a scam. For XXXX XXXX, the dates in question I am already paying my bill with a different hospital. The hospital in question i have never been seen or even been to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Product: Checking or savings account

On XX/XX/21 we processed a payment in the amount of {$4500.00} for a customer. The merchant company didn't settle this transaction until XX/XX/21, when the customer XXXXs bank declined the transaction. Merchant company didn't inform us that this transaction was not settled on time and we did not get paid by the customer 's bank, the balance is still open. We can no longer reach the customer at this time. Please help us to get paid. We never received this money and the customer 's account is currently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my car was financed thru GM Financial and my last payment should have been in XX/XX/XXXX. However, I disputed the amount GM Financial tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by GM Financial at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount GM reported as owed was in error, I never again heard anything from either the Collection Agency or  GM Financial. EVER. Not one single word. 

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by GM Financial 's agent of choice ). This was done and in XX/XX/XXXX, I contacted GM Financial to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from GM Financial in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after GM Financial received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Product: Credit card or prepaid card

On XX/XX/2018 I called Bank of America to pay off and close my credit card account. I payed over the phone using a checking account from another bank. I paid Bank of America my total balance of {$5000.00}. I asked to have the account closed, and asked the person I was speaking with 3 times if this would then conclude my business with Bank of America. The person I was speaking with advised me that even though the account was closed if I had any recurring charges ( ie XXXX account ect. ) there was " a chance '' ( her words ) that those charges would post to the account and I would be responsible for them. Because I don't have any recurring billing accounts linked to this credit card account, I said " ok '' and assumed that was that. 

Yesterday XX/XX/2018 I received a bill from Bank of America for {$27.00}. I called Bank of America using the phone number at the bottom of the bill ( which turned out to be customer service for checking accounts ) and eventually spoke to a person that told me that the {$27.00} was interest accrued after I closed the account. Because there where days remaining on the XX/XX/2018 billing cycle after the day I paid off my account and closed it, I was still charged interest on the closed account. 

I believe that Bank of America is purposefully murky and misleading as to their practices involving personal credit cards ( as further illustrated by listing the wrong departments customer service phone number on a credit card bill ). I believe that I should not be held responsible for the interest accrued after I closed my account, and that the bank is smart enough to prorate the remains days of interest when a customer attempts to close their account on a day that does not coincide with the start or end of a billing cycle. Even though it's only {$27.00}, I am outraged that the bank has seen fit to charge me XXXX cent after paying off my account completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2017in regards to inquiries that appeared on my credit report and notified representative that i was a victim of their inquiry issue. Representative assured me that i was not affected by this issue but i was affected. My credit score dropped drastically and has affected me financially. This is my last resort in trying to repair my report and return it to where it was. Your attention on this matter will be very appreciated.
Product: Vehicle loan or lease

My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.
Product: Credit reporting

Experian is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!!
Product: Bank account or service

I have an auto-payment set up with Capital One bank, for one of my credit cards. This month, they did not take out the full minimum payment, and they charged me a late fee on the date that the payment way due, right after the payment was made ( {$100.00} instead of {$150.00} ). I was never notified of this, and only found out by happening to log into the website, to get the current amount on the card, while balancing my budget. 

After calling Capital One I am told that their policy is to not notify customers of issues with accounts until the statement comes out. The problem is that the statement comes out 4 days after the due date, and the fees are added on the due date. This makes it near impossible to correct any issues on time, when they need to be corrected.
Product: Credit card or prepaid card

Several weeks ago I discovered that I was charged {$700.00} on XX/XX/2019 by XXXX onto my Chase Freedom card ( card # XXXX XXXX XXXX XXXX -- now closed ). I asked Chase to open a fraud inquiry into this charge as I did not recognize it and could not locate any receipt for this amount. I reported the charge as fraudulent to Chase and was told that Chase would inquire into the situation. Yesterday I received a letter from Chase notifying me that Chase had completed an investigation into the unauthorized transaction on my account and concluded that I had " received benefit from this transaction '' and did not consider this fraud. 

I was incensed at this, so I did some digging of my own and contacted XXXX fraud department. I learned that the charge was made with my credit card # but with someone else 's name and address. They would not tell me who's name and address were provided at the time of ordering for privacy reasons. They did tell me that the order # was XXXX and that the item purchased was an XXXX  handbag ( product # XXXX XXXX. 

Any assistance with resolution of this dispute would be helpful. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report from XXXX  and it is showing a Sears/CBNA acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called Sears and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that my credit report is being furnished with inaccurate information. The accounts and hard inquiries in this dispute are not mine and were never initiated by me at any given point. I am a victim of identity theft.
Product: Credit card or prepaid card

I personally saw XXXX XXXX XXXX and XXXX XXXX went in my mailbox to steal my mail. I believed they stole my first edd card because I waited almost 5 weeks to get my first card which I activated in XXXX. Same month the card was issued out. How can I have XXXX transactions? I brought this to their attention for months until i was told the transactions are too far back to dispute. These little worthless kids have victimized my family for years and many more people were victimized I'm sure of it due to the fluency of their crimes. They were helped by XXXX XXXX who fraud my dead dad for 20 years. He didn't want to get caught so he set my whole family up allowing anyone to take advantage so in case he gets busted, it's way too many people to get in trouble.