23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is still harassing me for a settled debt from XXXX. 

Letter received from XXXX XXXX XXXX XXXX on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free XXXX XXXX
Product: Debt collection

On XX/XX/2022, I received another letter from a collection company Named Credence Resource Management , LLC for a debt that I do not owe them which damaging my credit score.
Product: Credit reporting or other personal consumer reports

This is a rebuttal to XXXX response to : Complaint # XXXX : I appreciate the extensions that XXXX gave me in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over XXXX XXXX XXXX XXXX. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over XXXX XXXX XXXX XXXX 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( Experian ) is showing XXXX on time, and flagged XXXX XXXX days late. Ive attached a screen-print from Experian showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this one time and remove the XXXX XXXX  payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I use XXXX for most of my health-related issues and they send me out to XXXX hospital for anything test or XXXX. The bill comes to me then I take it to XXXX XXXX for reconciliation. 
XXXX has me on a scale where I pay a certain amount for each visit, they determine if a bill is cleared completely or a few more I will pay while they clear the rest. Usually, I will follow-up which I did then they give me a clearance. 
I followed all these steps and got the clearance over the phone that my balance is XXXX. Over a year later, I was going through a program to purchase something when they sent me a letter that something on my record is limiting them from proceeding. 
I was provided this number and I called. It was " COLLECTION AGENCY ''. I was shocked to hear about my hospital visit that was split into XXXX payments and I should set up a plan to pay. I tried to explain that I was given all clear but the lady speaking to me kept saying I should set up a plan or fax a clearance letter. 
I then ran to XXXX to replay this conversation I just had with XXXX ; according to the young lady I met, the guy that worked with me no longer works with them but the record they had on me was over a year prior to this bill with a XXXX balance. 
I further explained it 's strange since the letter I used for the procedure was given to me by the doctor there and faxed to XXXX from there. She went ahead to ask how I knew I was owed since they had nothing like that and I mentioned collection agency. 
She rose up to say that once things get there that they can not do anything. She could n't even see the lapse from their path even though she agreed the process I mentioned earlier were the correct steps in handling their bills. We could n't resolve this either. 
Right now, I understand the bill is about $ XXXX and I ca n't afford that let alone the bill I had no clue about. If I had seen the note from collection like they claimed, I would have still taken it back to XXXX but I got none. It was in the process that I told them to update my address since I had moved from where they claimed they sent me a notice. So I do n't know what to do at this point. I went back to the program expert who mentioned this discovery and was told to go online to this site and explain. Hoping to resolve this mystery completely soon.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the BBB. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all 3 agencies with no response well after the 30 day time frame. ) ) Thank you.
Product: Debt collection

The debt associated with Account XXXX : XXXX is disputed and under active XXXX XXXX XXXX XXXX XXXX. XXXX ). Despite numerous documented communications, Summit AR unlawfully reported this debt, violating federal laws and causing significant credit harm.
Product: Debt collection

Brown & Joseph LLC is trying to collect money from me for an auto insurance company Ive never used. My auto insurer confirms Ive paid my bills in full and have no debt with them. My credit score is near perfect. This appears to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX XXXX XXXX Experian via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC & AFFIDAVITS stating proving my claims However XXXX XXXX XXXX failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report
Product: Debt collection

I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.
Product: Debt collection

Mountain Run Solutions LLC is attempting to collect on a debt that is not owed to them anymore and has been sold to another company. They can not report this as this is illegal. This collections was a result of fraud and hereby contested. Please remove this derogatory information from my credit file asap.
Product: Checking or savings account

My bank contacted me about fraud on my account in California. I was told my card was cancelled. But a charge of XXXX was posted on XX/XX/20. This was one of the fraudulent charges. This causes a overdraft fee of XXXX on the XX/XX/20. The account was credited for those charges. But then set in the deficit for 5 days. This causes my scheduled paym chant Device. This causes two more overdraft fee of XXXX. Leaving my account negative XXXX. I spoke with Ms. XXXX who called Mrs. XXXX XXXX. Her deminor was rude. She said she would review the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA I have the Right to an accurate credit report. TransUnion is reporting an XXXX XXXX ( XXXX ) Account # XXXX as a charge-off. According to the I.R.S. a charge off is defined as gross ordinary income, income does not get reported on a consumer report. Under TransUnion XXXX is reporting this as debt in which I never received a 1099-c to file cancelation of debt. Account is in violation of 15 USC 1692e- False and misleading Representation. XXXX and XXXX both deleted the following account due to not being able to accurately VERIFY it after sending numerous XXXX certified documents to TransUnion it comes back verified. Under 15 USC 1681 and the FDCPA 15 USC 1692 they have violated my Rights to Privacy. And under 15 USC 1681b Permissible Purpose of Consumer Report, I NEVER gave any written consent to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my credit report " BK OF AMER Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
BK OF AMER '' I assume this means the bank of America, with who I don't have a credit account with.
Product: Debt or credit management

These reports were submitted to address concerns regarding unauthorized hard inquiries on my credit report. Upon submission, I received the following report numbers as confirmation - Report Number XXXX
Product: Debt collection

hello, to whom may concern I have a common name and people have been stealing my identity and income taxes etc since 2010 and credit bureau have be giving false infomation to lenders and other people for the longest time and im tired of it
Product: Money transfer, virtual currency, or money service

Trading using robinhood they closed out my account and froze trading and selling off my last assets. Was assured at teh time of closing my crypto was liquidated at current market prices and the value and blanace of which would not lose value and was assured multiple times the assets were liquidated and sold at current prices at the time of my account being deactivated during the deactivation price of my assets dropped they assured me the assets were liquidated. my remaining balance was then over XXXX less than when they said they liquidated after 3 days they reactivated my account with a heavy loss to my money because i i couldnt sell the assets because they said they liquidated and sold it already. also they freeze trading when you make too much profit wont let you sell until you take a loss they admit to all of this in the emails i have. im retaining a lawyer and probably gon na start a civil suit
Product: Bank account or service

Chase Bank closed out my savings account without even notifying me. I am now in fear that they will do the same for my checking account. I went to a branch to ask why was my savings account closed, and I was told that it was probably because I was n't using it, which is not true. I have also observed that regardless of the fact that when I opened the account, I used one of their coupons, not only did I ever get the amount on the coupon, but I was told that I do not qualify for it AFTER I signed up and changed my deposits to go to JP Morgan Chase Bank. I do n't know if they use these as bait for people to join the bank. 

I was also informed, the day that I opened the account, that since I am a military veteran, that I would qualify for benefits, such as not having to pay the fee for Cashiers Checks..they have so far honored that. However, I never get reimbursed for any of my non-chase ATM fees, which was something that I am pretty sure the banker told me was a perk for military veterans.
Product: Checking or savings account

On XX/XX/19 opened a MoneyLion Checking Account as they had a " Pave the Wage '' bonus offer of 17 % bonus of the first initial Direct Deposit. Per the advertisement, I : 1 ) Joined Money Lion 2 ) I opted in on the App ( XXXX ) and obtained the Direct Deposit Form. I ( like many others ) never received an email confirmation although the app itself did notify me that I had opted in. 
3 ) Setup Direct Deposit ( first DD was deposited on XX/XX/19 in the amount of {$2300.00} 3 ) I maintained at least 90 % of the initial Direct Deposit every 2 weeks for 90 days. 
4 ) The up to 17 % ( so 17 % of {$2300.00} = {$400.00} ) has not been credited even though MoneyLion states it would be credited in 90 days of the initial Direct Deposit. 

I have tried contacting Money Lion several times, but they have removed all on-line access and you can no longer email them. Further, the phone # has had wait times " over 30 minutes '' and I've input my phone # to be called back several times. Have yet to receive a callback even after a week. 

If money lion says that the Trial Deposit from XXXX XXXX interrupted the Direct Deposit they are lying. Direct Deposits were every 2 weeks and clearly noted as Direct Deposit. Money Lion removed any ability to transfer funds OUT of the checking account ( I have an email where they said that the feature is being worked on ). Therefore, the only way to transfer your funds out of their bank is to link an external bank and " pull '' ( via ACH ). Therefore the XXXX Trial Deposits were needed. And those deposits were *clearly* labeled Trial Deposits, not Direct Deposit.
Product: Credit card or prepaid card

I am writing in because the discover card practices are unethical and are hurting all consumers I opened an account with discover I applied for the card in XX/XX/XXXX and it took them almost a month verify me and my information to open the card ok I star using the card and then in XX/XX/XXXX they ask me to release my tax information to them to verify my identity. I have never had to do such a thing for any CC company I did not feel comfortable with this I called the company they said yes the emails legit and we nee to verify who you are. I initially scanned in my SS card and DL. Then I told them I have card that have a way higher limit that did not required al the Hassel and struggle. they the said ok well Ill close your account. I asked them to escalate higher in the company as I do not believe its fair to the consumer to take a hit twice one for you to run credit them to close it. SO NO ONE CALLED OR FOLLOWED UP WITH ME THEY CLOSED THE CARD. My credit was hit again as I have a new account closed and then they added remarks closed by grantor so now that 3 total negative hits. This now has also happened to my Son account. they need to be stop we as consumers work hard to maintain or build good credit with the struggle in the economy for them to be adding extra obstacles just because they are a big credit agency is not at all fair. this is happening to many other and they need to stop and be held accountable. I rather them had just denied me from the beginning at least that would have been just one hit I would have had to take.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.
Product: Credit card or prepaid card

XX/XX/XXXX : my car was taken to XXXX XXXX XXXX XXXX XXXX and I was given an ESTIMATE of work for {$3200.00} for a clutch replacement. The ESTIMATE total ( {$3200.00} ) posts to CITI VISA the same day. 
XX/XX/XXXX : I'm given an ESTIMATE for {$1900.00} for struts & steering ; the ESTIMATE total ( {$1900.00} ) posts to VISA the same. 
XX/XX/XXXX : I'm provided a FINAL INVOICE ( # XXXX ) of {$5200.00} ( total of {$3200.00} + {$1900.00} ) which I authorize payment. This FINAL INVOICE posts to CITI VISA on XX/XX/XXXX. 
XX/XX/XXXX : the car is towed into the shop. I'm given an ESTIMATE for repairwork ( # XXXX ) for {$3400.00} which posts to CITI VISA the same day. 
XX/XX/XXXX, another charge for {$3400.00} posts to CITI VISA ( this is a DUPLICATE charge : there is no estimate or final invoice to support this ). 
XX/XX/XXXX : FINAL INVOICE of {$3400.00} authorized, posting to VISA on XX/XX/XXXX ( # XXXX ) Thus, the ONLY 2 FINAL INVOICES I authorized were for {$5200.00} on XX/XX/XXXX ( posting on XX/XX/XXXX ) and {$3400.00} ( billed on XX/XX/XXXX and posting on XX/XX/XXXX ). Total : {$8600.00}. However, the shop sent through charges NOT AUTHORIZED of {$3200.00} ( XX/XX/XXXX ) + {$1900.00} ( XX/XX/XXXX ) + {$3400.00} ( XX/XX/XXXX ) + {$3400.00} ( XX/XX/XXXX ) totaling {$12000.00}. 
I disputed the charges on 3 separate occasions, the most recent on XX/XX/XXXX. They claimed the merchant was either noncooperative or produced legitimate bills ( which I have documents showing estimates and final invoices ). CITI claims that once I've entered into a business transaction with the merchant, I've authorized him to use my card ; I only authorized its use for LEGIT purchases, not FRAUDULENT ones. Every time I call CITI, I'm told they have " guidelines '' they must follow, but will not tell me what guideline is preventing them from helping me further. I've contacted the shop owner on multiple occasions, requesting this " mistake '' be corrected, but he claims that it has been ( not true ). I've written/spoken to the Bureau of Automotive Repair ( BAR ) in California ( where this shop is located ), I've written/spoken to the California Attorney General 's office ( they won't do anything against the owner, etc ), the XXXX County ( XXXX ) District Attorney, the XXXX XXXX Police Department and spoken with CITI VISA supervisors multiple times. All I get is " I'm sorry ''. I do have a police report filed, but until I can prove malicious intent, then it's considered a mistake ( which it can't be if I've spoken with the shop owner multiple times to report the " mistake '' is still not corrected ). 
I've asked CITI " in good faith '' to reopen the dispute or refund my money, due to THEIR ERROR in approving the payment of ESTIMATES, which I DID NOT AUTHORIZE. They refuse to do either. I need someone to advocate for me, please!
Product: Credit reporting or other personal consumer reports

A vehicle was never returned after several late payments and was eventually written/charged off. The credit union did not provide a 1099-C for this and is still reporting the balance to the credit bureaus.
Product: Mortgage

On XX/XX/2020 I had a VA loan associated with XXXX XXXX that was closing on a house in Texas. I was told everything was okay I would be looking for my payments to start on XXXX of that year. So without my knowledge or email or phone call or letters from XXXX XXXX. My account was sold to Wells Fargo with a new account number and login. They say they sent a letter XX/XX/XXXX to my mothers home, but that was a lie it was sent when I requested it and it was no back date on it. My mother always checked the mail and it was forwarded to her. I was stuck in XXXX because of covid and had all my mail sent to my moms house. I made sure to do that once I closed on the house. So with all this going on Wells Fargo took it upon themselves to start reporting me being late to the Credit Bureaus of none payment when I didn't even know at the time my loan was sold to someone else. Then on top that my loan was a XXXX XXXX XXXX and was supposed to not be reported to the credit bureaus. Now I tried and tried to do everything I known I could dispute with the credit bureaus all that. I don't like Wells Fargo they are corrupt and they don't care. So I was hit {$45.00} late fee here and there even when I started paying on the loan for my house. They said they would waive them but never did. Also all government backed loan during then pandemic where not subjected to late fees as well. So I don't know what they are doing over there but I want to get help. My score when from a XXXX to a XXXX because of them. I am a single XXXX XXXX XXXXXXXX XXXX not able to work. Also I have email correspondence with XXXX XXXX and XXXX XXXX of XXXX XXXX and I never received a email of my new account number and where was my account being sent. I found out on my own. And no correspondence from Wells Fargo telling me my new account number.
Product: Credit reporting or other personal consumer reports

I noticed few inquiries on my credit report I did not authorize about XXXX weeks ago. I called the credit bureaus to dispute them and they told me I had to file an FTC report The first inquiry Id seen was with XXXX XXXX XXXX XXXX inquired XX/XX/year>. Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX. The second inquiry was CIC CREDITXXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX dated XXXX XXXX. I am writing you today in hopes that those can be removed because they were not authorized,