23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a Writ of Execution ( Money Judgment ) on XX/XX/XXXX in the amount of {$3000.00} from Plaintiff : Robert J. Colclough, III attorney for XXXX XXXX. The original case was filed on XX/XX/XXXX in XXXX XXXX Superior Court. I was unaware that I was being sued in the first place so it was quite a shock to learn that my bank account had already been levied for the amount stated above. 
The Statute of Limitations for credit card/written debt in California is 4 years - which begins after the first delinquent payment. The credit card debt was from a XXXX XXXX XXXX XXXX, upon which the last payment made was XX/XX/XXXX XXXX XXXX of XXXX ). The Statute of Limitations for this debt expired in XXXX, and the lawsuit was filed in XXXX, rendering the debt time-barred. 
Suing an individual for time-barred debt is prohibited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing for months, with XXXX and Transunion and the company, LATE PAYMENTS on XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
Product: Credit reporting

While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on Experian credit report. I have never been employed by these companies. I am requesting that Experian immediately remove the unknown names of Employers listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Product: Debt collection

I received your verification of the debt that I owe. Based on the documents you provided for verification I am in debt for the amount of the reletting fee of {$460.00} The amount for rent in XXXX of {$430.00} is not valid since I moved out in the second week of XXXX and I provided verbal and written notice of when I would be moving out. There is also a cleaning/maintenance charge of {$390.00} that was not verified. The apartment was left the way it was when I first moved in and there was no mess or personal items left behind. 

At this time the only amount I am obligated to pay back is the reletting fee and that is the only amount you are legally able to collect for. 

Based on the amount they initially alleged I owed of {$1000.00}, minus the {$430.00} and minus the XXXX the only amount I owed to you is {$190.00} Please update your account and mail the updated documents to reflect the actual amount you verified that I owe. If you disagree please send me verification of the other alleged debts including the contract indicating I owe rent after I have left and that I owed cleaning/maintenance after I have left. I also require receipts and invoices of any cleaning or maintenance done if it is verified that I owe this amount. 

Once I receive the updated information on my account I will promptly make the payment online. Again, the only amount verified with the documents you provided is for {$190.00}
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX XXXXhat I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit card or prepaid card

On ( or about, I was out of town for a couple of days ) I received an unsolicited prepaid card from a company called Netspend. I thought it was illegal to send unsolicited credit and debit cards through the mail. I called the number below and cancelled my account and told them not to share my information. I asked where they got my info from and they said they'd call me back with that. Haven't heard from them yet. 

The company 's info is : Netspend XXXX. XXXX XXXXXXXX XXXX, TX XXXX The direct deposit info on the letter is Routing number XXXX Financial institution name XXXX The number to cancel and prevent further contact and info sharing is XXXX. 

Here are their XXXX XXXX XXXX details : Headquarters XXXX XXXX XXXX, XXXX, TX XXXX XXXX  File Opened : XX/XX/XXXX Years in Business : 20 Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in TX Type of Entity : Corporation Alternate Business Name XXXX XXXX XXXX   XXXXt Ms. XXXX XXXX, Vice President Customer Experience Mr. XXXX XXXX, Senior Vice President of Operations Additional Contact Information Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

Not able to connect checking account to existing XXXX or XXXX XXXX for automated savings Tuesday, XX/XX/2020 : Customer service call to Capital One 360. The customer service employee informed me those two applications no longer were supported because they didn't want to support them. After researching the topic online, I realized Capital One did a software update about a year ago that made it impossible to connect new accounts to those applications. Since it's been a year, I can assume they have no intention of changing that and should have clearly explained that during the account sign up process. I would not have signed up for the checking account had I known they didn't work with my savings and investing plan.
Product: Student loan

I signed up fo r Automatic payme nt on my loans as soon as I could. Initially the payments were about {$330.00}, but then I paid of f one of   the loans so the monthly amt. due was {$270.00}.     I had been paying extra on my student loans for abo ut 2-3 years . I noticed first in   XX/XX/XXXX   that something did n't seem right when I signed into my account. It was stating that the due date for next payment was no t  XX/XX/XXXX , but  XX/XX/XXXX , and  XX/XX/XXXX  for most of them. ( screen shot attached ) I called Navient to f  igure ou t what was going on, but do n't believe I got a clear answer, but simply was told the system is just adjusting to my extra payments. I had called periodically because I kept seeing that my monthly payments were being split and not getting applied to the month it was due. I was constantly assured that it must have been a system error and it was all being applied correctly.   *They have to have phone call recording records of all my calls I was work ing   XXXX   jobs and kept making extra paym ents.     The next screen shot I took was from   XX/XX/XXXX , which  again stated that my due dates  were 3-6 mo nths out beyond the statement.   Then  a  XX/XX/XXXX  sc reen shows that my monthly payment was being applied in ha  lf. One for the month due, and one half for the following month.
I called Navient    :  XX/XX/XXXX  I was  told that all my extra payments were being applied to " future '' payments. Therefore, not going to my principle, and therefore not reducing my interest!!! The Navient rep stated that I was to Call In, or Send in a Money Order or Check with a LETTER stating I wanted the extra payments to go toward my principle I was VERY stern with the rep and told her I wanted ALL previous extra payments to be applied correctly and to my Principle.       XX/XX/XXXX  I h ave been monitoring and taking screenshots since and the results : my monthly automatic payment was applied incorrectly again, half being pai  d in  XX/XX/XXXX , and half in  XX/XX/XXXX .
 XX/XX/XXXX  Monthly payment split again! ( screen shot attached )  XX/XX/XXXX  I got an email summarizing my payment due  XX/XX/XXXX  w  as  XXXX  but the monthly that is suppose to AUTOMATICALLY be applied each month is {$270.00 }  XX/XX/XXXX  Same err or with due date  s 3-9 months in advance.
I do n't know what else to do. I am so frustrated and I know this is Wrong. I put myself through college and worked  XXXX  jobs to make extra payments. I know this is wrong. I know Navient applie  d all my extra payments to " future '' in order to keep racking up my interest.
Product: Vehicle loan or lease

On XX/XX/year>, I received notice in the form of a Deficiency Letter that Credit Acceptance had sold the vehicle to another consumer through a third party auctioneer named XXXX XXXX. I called Credit Acceptance on that same date and requested a copy of the XXXX XXXX because the amount they claimed to have sold it for seems to be incredulous. I even told them that they can edit or black out with a marker the consumers personal information that bought the car. They have refused to send this information violating federal law so that I can verify what it was actually sold for and pay what my remaining balance my be.
Product: Debt collection

I bought this property at auction in XX/XX/XXXX, from the company that was holding the mortgage. I don't know how Statebridge ( Account ID : XXXX, XXXX XXXX, deceased ) got involved, but I suspect it was handed over to them for collection before the property was foreclosed on. I have talked to them several times. I thought they had resolved the issue because I had no phone calls or mailings for about six months. Then, I received another mailing in XX/XX/XXXX. 
As the former owner is deceased, they won't discuss the account with me, the current owner, but they have had no issue with harassing phone calls and mailings.
Product: Checking or savings account

ON XX/XX/22 I received an unsolicited Chime XXXX  debit card ending in card # XXXX. I called Chime who told me to submit an email which I did. I received an acknowledgement of the email but nothing about the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I paid the full amount of {$190.00} to XXXX XXXX and the account is closed. They still managed to report my account as delinquent to XXXX, XXXX, TransUnion and XXXX XXXX. As a result my credit scores dropped by XXXX points. XXXX XXXX used a company called XXXX XXXX XXXX to file a false report to the credit bureaus. Also, XXXX still has my score at XXXX even though I have paid off all my debts. XXXX, TransUnion and even XXXX XXXX gave me a very good score for paying my debt. But not XXXX. I do not have any confidence anymore in their credit reporting dduties. They also have the wrong information on file for me.
Product: Bank account or service

MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.
Product: Mortgage

This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}
Product: Credit card or prepaid card

I am writing this complaint bacause I have been charged extremely high interest all of a sudden on the expiration of an 18 months promo. This is unheard of to me and I was not informed of any such condition by the sales rep at XXXXXXXX XXXXr upfront when I signed up for a credit card. It was presented to me as a 18 months promo with no interest. Given the misleading info I was given, it is my request to have COMENITY waive off the huge ridiculous amount of interest charge {$2400.00}. I have already called customer service XX/XX/23 and paid off in full the promotional balance of {$2800.00} that I actually owed. Please waive off unjust interest charges at your earliest convenience, There is no way I can pay that high all of a sudden interest amount of {$2400.00} when it was not informed to me when I signed up with Comenity Acct number ends in XXXX
Product: Credit card or prepaid card

its part of the credit card stolen cards i had, i cant even view my account i dont know the ammount or the card number is XXXX i believe, i want to make sure all of these are closed this is the last one, they add the bill to a negitive. and you cant pay it makes it look like your using it someone else is using your card. thank you for your help. they did quit sending me bills. but the problem still remains
Product: Checking or savings account

I recieved a text from on XX/XX/22 at approximately XXXX XXXX  from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. 
Then realized i was scammed..
Product: Debt collection

ABR Recovery Services LLC has reported a 2nd account for collection to XXXX   recently which has incorrect information and has not be submitted to me in writing. This account is being reported as being opened XX/XX/XXXX which is not correct. It also is showing a date of XX/XX/XXXX as the date of 1st delinquency, which is also not correct. With a balance amount of {$1200.00}. This debt is being falsely reported to XXXX  in an attempt to collect a debt that I am not liable for. It is being reported the original creditor as XXXX, with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that  information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Credit card or prepaid card

I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover,  opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. 

What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.
Product: Checking or savings account

Checking account frozen at least once every XXXX months including currently. I have tried to resolve this problem several times with no fix or commitment to fix from them.
Product: Checking or savings account

I spoke to Bank of America on XX/XX/XXXX and told that the merchant XXXX had been showing up in my checking and the charges amounting to over {$5000.00} had been fraudulently taken from my account since XXXX. They didnt ask many questions other than what charges I was disputing. The claim was closed with my funds being refunded today XX/XX/XXXX. If the asked more questions I would have told them that I believe that I have had my identity stolen and accounts compromised or created without my permission. I believe my ip address has been exposed and I still have multiple devices that have been disconnected from cell calls but is still capable of accessing accounts, passwords, photos of banking info, old photos of credit and debit cards, photos of my drivers license. My XXXX and XXXX XXXX accounts were recently taken over and passwords were changed. My neighbor returned my wallet to me XXXX months ago but Im not certain how long it was out of my possession or who had access to it. I often leave my main phone in my car over night or when Im home because I have difficulty hearing so I dont talk on the phone much. Im not sure if anyone has had access to my phone or other devices. I have received many emails asking to reset my password for multiple accounts when I have not requested a change. I have also had multiple two factor authentication texts sent that werent requested. Im not sure what people are capable of but I know that my identity and accounts have been compromised and Bank of America did not ask me enough during the fraud call I made nor did they follow up. My call was made using XXXX XXXX XXXX and I do have a transcript of the lack of questions that I was given. And I must say I do believe that if I was talking to a Bank of America associate instead of using a XXXX call that the person would have been more thorough. I think that nobody there would like to take the right amount of time and effort to accommodate anyone with any difficulties. I dont think the claim was treated with the care and mindfulness that a normal customer would have received. I filed an identity theft report with the FTC as well.
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 XXXXXXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX XXXX. # XXXX XXXX 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