23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX had two accounts that need to be paid off. I contacted them to make arrangements and paid off the debt. The debt was for service in XX/XX/XXXX services totaling {$36.00} per service. XXXX stated the debt had been paid off, and nothing else was due. GREAT! 
On XX/XX/XXXX, I received a debt collection notice from Commonwealth Financial Systems stating I owed XXXX a bill of service date XXXX for {$250.00} and added this debt collection on my credit report, which dropped my credit score 31 points. The two service dates for the service in XXXX was total charges due for service of {$36.00}. I talked with my same insurance company, which stated after payment from insurance, an additional adjustment was made. This process should be consistent with the XXXX service date. 
I have talked with XXXX and waiting for a 48-hr return call. I do know the collection agent and XXXX have my incorrect address. 
During the XXXX service date of XXXX, the service provider employee stole my wallet ( in transport ) with Credit Cards. This incident was reported. 
Thank you for your attention.
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting 2 delinquent accts as active. One was a car loan with XXXX XXXX XXXX that was closed in XXXX and they have been reporting it as not paid for 3 years. Also for the year of XXXX partially paid on time but then other months have no remarks. The car has been out of my possession since XXXX so all the information is inaccurate. This has been reported until XXXX. Again the car has been out of my possession since XXXX. XXXX and XXXX have it totally off my report as it has passed 7 years. They are also showing a power bill from XXXX with XXXX XXXX XXXX as non paid which was paid many years ago and always on time. Neither should be on my report. Again XXXX and XXXX have this information correct. When you try to call them you ca n't get an answer or resolve the problem. I have sent letters and tried to do it online which they say I can not due for some reason. Basically just give you the run around and will do NOTHING to help. This agency is ruining my credit and I would like something done about it. I have read many many many other horrible reviews about Experian and their business practices. Hopefully this reaches someone who can help. Thank you XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my avant- credit card website and noticed 2 charges that I didnt make made on XX/XX/XXXX. I havent used the card since XXXX. At XXXX on XX/XX/XXXX, I attempted to contact the avant- credit card business and was told I had to be transferred to the fraud department l was on hold for over 3 hours with no one answering. I attempted to call the main number back and after the automated response was on hold for over 1 hour. I eventually hung up and tried again. I called another number and spoke with a customer service rep who promptly hung up on me. Throughout the XXXX XXXX  day, I attempted to contact the avant credit card company but to no avail. I have attempted to call the avant credit card company over 25 times and had no results or answers
Product: Credit reporting, credit repair services, or other personal consumer reports

Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed numerous disputes with Experian regarding a closed/charge-off/collection account for XXXX XXXX XXXX also known as XXXX XXXX XXXX. The debt was sold to XXXX XXXX where there the was settled/paid in full. Ive submitted documentation to Experian when disputing debt for the account to be close as it was settled in full but Experian keeps updating debt as CO instead of reviewing documents provided from XXXX XXXX showing the debt has been settled in full. Account is a secured loan opens on XX/XX/19 original balance of {$560.00} now {$900.00}
Product: Checking or savings account

Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash at failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation e. These actions have cause significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX  in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from XXXX XXXX  are present on my credit report. 

I've gone to XXXX personally with my neighbor to get assistance with the error. XXXX refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
XXXX XXXX refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from XXXX XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.
Product: Mortgage

I was prequalified for a conventional loan through a Guild Mortgage representative based in XXXX, Florida. I closed on the mortgage loan with Guild for a condominium located in XXXX, Florida. The closing took place in XXXX. The mortgage loan amount was approximately {$140000.00}. I provided all requested proof of insurance prior to closing, including Master HOA policy with Walls Out Wind mitigation coverage as well as my homeowners policy. Per my insurance provider and per the mortgage representative my coverage was sufficient. There were no red flags raised prior to, during, or immediately following closing on the mortgage loan. It was funded and I moved into the property. I have been making payments accordingly. Suddenly I saw a balance due in the escrow account. I pay taxes and insurance directly to avoid having an escrow account. I learned that Guild Mortgage force-placed an insurance policy, now 6 months after closing. They now claim that my homeowners needs to include wind mitigation and hurricane coverage, because the Master HOA policy is a walls-out type policy. This additional cost of nearly {$800.00} per year is not only a financial burden, it is a misrepresentation of the loan terms and requirements that were presented to me at closing. Guild requested evidence of insurance and accepted all policies provided at closing. I believe they are now trying to strong-arm me into providing more coverage than is customary for condominiums in XXXX Florida. Per email response today from the Guild representative who qualified me and processed my loan : This is just so odd that weve never had this come up before.
Product: Money transfer, virtual currency, or money service

I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. 
I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. 
They sent me all the baking info for the Wire Transfer. 
On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 
5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. 
Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. 

PNC BANK. 
As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all.

I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. 

XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. 
that is really really regretful for me as a customers ...
Product: Debt collection

continues to call me ... .my job ... and my family to collect a debt. I have told her not to call my place of employment and she continues to do so and speaks to my employer and family about my account and asks if they have other contact information for me ... .this happens 3-5 times a day ... and when I have spoken to her she threatens wage garnishment and harasses me about my situation ... I 'm done!
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$1500.00} payment to my citi credit card. The {$1500.00} has been taken out of my checking account at XXXX and paid to citi bank for this account yet citi bank will not release the payment 2+ business days later and doesnt have anyone available to talk to about why this payment is not reflecting on my account. Ive had citi credit card since XX/XX/XXXX, only paid out of one checking account ( the same checking account since XX/XX/XXXX ) and they refuse to release the {$1500.00} in funds they already received from me!? On top of all that, Ive never once since XX/XX/XXXX not paid my account with citi due to insufficient funds. They are thiefs!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX Capit if you fail to comply with this request.
Product: Credit card

I made a payment on my credit card with Costco Citi bank for {$7000.00} on XXXX and the money was debited from my account by XXXX. They have my money. despite this Citi refused to update my credit card account for 1 week. They have placed a hold on my account denying all purchases. The hold will not be released until XXXX. They will not even consider calling my bank to verify the payment when asked. I have received nothing but poor Service from this credit card company throughout the years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. The following items are incorrect and are having a negative impact on my credit score : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$8900.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or please remove this account. 

ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$120000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$81000.00} Reason : Ive never had any agreement with this debt collector. Im struggling and need clarityplease provide proof from the original creditor that they own this debt, or kindly remove this account. Thank you for understanding. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$55000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$510000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have no agreement with this debt collector. Please provide proof from the original creditor that they own the debt, or remove this account.
Product: Debt collection

I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX and XXXX, 2019, my father, a Veteran of advanced years and poor hearing, was approached by XXXX XXXX XXXX of Florida and sold, via financing, a water conditioning system he does not need. I attempted to resolve the matter with XXXX XXXX and when that didn't work, I attempted to resolve it with Aqua Finance Inc, the company that XXXX gets paid by. Aqua Finance has no interest in releasing my father from a contract he didn't realize he was signing, nor are they willing to work with the investigator from the County Consumer Protection agency that I engaged when I filed a complaint with them.
Product: Checking or savings account

I attempted to make a withdrawal from my checking account at a Chase ATM at XXXX XXXX XXXX, XXXX XXXX, MI on XX/XX/year> at approximately XXXX XXXX  in the amount of {$560.00}. The ATM produced an error message, and I was instructed to try the transaction again. Upon my second attempt, I was able to retrieve the {$560.00} from the ATM. However, I immediately noticed on my Chase app that my account was debited for {$560.00} x XXXX, even though I only received {$560.00}. I immediately notified the Chase teller XXXX, and was instructed to call Chase XXXX XXXX to report at XXXX. 

I immediately reported to Chase, and a credit appeared for the {$560.00} on XX/XX/year> ( see attachment ). On XX/XX/year>, I noticed that the {$560.00} credit was gone. I reported this to Chase on XX/XX/year>, and was told that the credit would be restored by XX/XX/year>. It is now XX/XX/year>, and I still have not received the credit. I just called the Chase XXXX department, and they could not explain what happened to the credit. 

This is {$560.00} of MY money that I need access to to pay bills. Chase should have realized at the end of the day XX/XX/year> that the ATM was over my {$560.00} and kept the credit permanently on my account.