23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was originally charged in two separate payments for a condo vacation rental that I disputed and they sent a rebuttal back which I then disputed with further proof as to why I was entitled to a full refund, I originally didnt realize there were 2 separate case numbers and capital one requires that you send proof with the case number and amounts. I sent all of my proof by fax in writing with documents but only mentioned one case number, when they credited my account on the XX/XX/XXXX I then realized I needed to fax copies with the other case number as well, which I did on the XXXX. The paperwork says to give them 10 days to respond. The paperwork also said the deadline to further dispute was XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to see what was going on as to why the credit had been but on my account for the one charge and not the other. The guy said he didnt know what happened that it does show they received the fax on the XXXX that he was sending me over to a different dispute department so they could further investigate what happened. Once talking to another customer rep he tells me they didnt receive it that it could have been lost or something and I told him the guy I spoke to before said it showed they received it. He told me to just fax it over again which I did on that same day and today XX/XX/XXXX I got a document saying I missed the deadline to dispute this charge. I have proof that I faxed it on the XXXX and that it was received on top of their employee telling me they received it. The payments were {$460.00} and {$400.00}. The {$400.00} charge is what they have not credited. The case numbers are XXXX and XXXX
Product: Credit reporting

The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.
Product: Checking or savings account

I received a call from a person identify as an employee of Banco Popular de PR related to the way I was using my ATH movil. They scam XXXX from my personal account and the bank gave it back but the same time the scam in various transaction a total amount of {$2400.00} and the instituted said I am not insured because it is a commercial account. But how is posible to scam a comercial savings account?
Product: Debt collection

Every Day Im At Work Security Financial From XXXX Texas Calls About XXXX Times A Day For XXXX Of My Co-Workers ...
Product: Credit card or prepaid card

MY CASHAPP ACCOUNT IS COMPLETELY FROZEN AND I CANNOT GET MY MONEY OFF MY ACCOUNT. IT IS $XXXX  AND IT IS THE LAST OF MY MONEY TO FEED MY KID. I NEED TO FEED MY SON PLEASE HELP ME. MY CASHTAG IS $XXXX, MY NAME IS XXXX XXXX, MY EMAIL IS XXXX
Product: Vehicle loan or lease

This company credit acceptance and its predatory lending and finance hidden charges have destroyed me financially and otherwise this company is reporting 35 or more late payments of 90 days on all my reports destroying any possibility of getting another car loan or any other sort of credit products due to the erroneous and I wish I was a lawyer to say illegal tactics brought forth upon me and my family. I have asked this company to delete and update the reporting on my account to reflect accurate information they literally just laugh at me and right away my credit reports get dinged with late payments added instead of deleting them.in all my years I've never seen a company purposely and maliciously add on 30 or more late payments on one 's report its something that I will never forget because it's already a struggle and having this company do the types of things they're doing and the credit reporting agencies actually allowing such mess is another reason why I'm making this report.my balance is as to this company 's calculations XXXX dollars on a vehicle that when I bought it I put XXXX down payment and had a total price of XXXX which this company upped the car price and then added the down payment which if I show you the paperwork is kinda suspect.i bought the vehicle in XX/XX/XXXX and I stopped paying for the vehicle in XXXX of XXXX i did not make another payment until the vehicle was repossessed and i paid XXXX dollars or so to take back then I never paid until I called credit acceptance to come pick up the vehicle as a voluntary surrender they picked up in XX/XX/XXXX when this account was supposed to be closed they finally closed the account in XXXX XXXX.there should be no reporting on this account at all especially a reporting of a balance that's not accurate and not what was the agreed upon price of vehicle and my down payment was disguised as something other in the final paperwork which I have copys of.theyre charging some kind of daily compound interest that no one going thru financial health hardship can overcome.i had a XXXX XXXX on XX/XX/XXXX my birthday XXXX XXXX XXXX on XX/XX/XXXX 1 year before and now almost 2 years later I'm still dealing with this financial nightmare. They say I owe them XXXX dollars however are willing to settle for XXXX dollars. Does that even make sense? They're charging me interest and late payments on a vehicle I haven't had since XX/XX/XXXX please all I'm asking I'll pay you guys XXXX what your asking because that's about what I owe I'll pay please delete this payment history and account off my report after payment that's my resolution I'm going to borrow XXXX XXXX  from family to hopefully put this nightmare behind me. I hope this helps
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently begun the journey of monitoring my credit in efforts to better the life of me and my family. As a single mother my credit and my finances are very important to me. I noticed an account with a company called XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. This company is reporting an unpaid credit account through a collection called Total Card , Inc . I have never heard of either of these companies nor have I received any of their services. Unfortunately, this is a fraudulent credit card obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never requested their services. I have contacted this company on several occasions and have been blatantly IGNORED AND I AM DISGUSTED. I have mailed documents to several of their addresses I could locate, and instead my investigation of this fraudulent account has been closed. HOW? I sent on XX/XX/XXXX certified letter with return receipt the following : Notarized Identity Theft Affidavit/ Fraud Account Statement, Police Report, Proof of my address from the time the fraudulent account was opened and a Notice To Furnishers ( FCRA ). However, this company Total Card Inc closed my investigation. EVEN AFTER THEY SIGNED FOR MY DOCUMENTS onXX/XX/XXXX. WHY???? Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. I have attached all related documents to this complaint as proof. Delete this account immediately or legal action will be taken.
Product: Debt collection

I was in an accident in XX/XX/XXXX. I had a lawyer, XXXX XXXX XXXX who was authorized to handle my claim. All my medical bills was forwarded to him. I never received any information on any type of medical bills that were owed. On XX/XX/XXXX, I was contacted by letter stating : I owed over {$4300.00} in medical bills, to XXXX XXXX XXXX XXXX XXXX XXXX, to collect a delinquent debt. I had medical insurance at the time under my parents and car insurance. I was sent to this medical service by my lawyer. I had no intention on going to this company. I figured, I would go to them since the lawyer, worked with this company. I contacted my old insurance provider and the other victims insurance who was at fault. My insurance sent {$2500.00}, to the lawyer for medical bills. The other insurance, provided a sum of money to the lawyer for medical bills ( waiting to hear back ). I also tried to contact the lawyer at the time and he got his bars taken away ( no longer a lawyer ). I also had a friend who was involved in the accident, who had to get her bills taken care of. I missed work for some time and had no vehicle for over a month due to repairs. Why, did n't this company contact me after several months? They sent me papers on what they believe I owe, 9 yrs later! There is no account information of my insurance carrier, no information from my lawyer at the time and no accident claim number listed on the bill. 
I first, thought this was a scam because there is a lot of scams that go on with people owing money. I do not agree with this debt because 1 ) its too old 2 ) my lawyer got his bars taken away. 3 ) I am being harassed, for information that this company should have taken care of years ago. 4 ) They never listed my insurance company, claim number or any information of my accident. 
If they knew this was accident related, they should have put this information on the medical bill. It is not my responsibility to take down this information. I was not an employee at this medical center. If they did not properly handle their debt in a professional, timely, organized, manner why should I be held accountable for somebody else 's mistakes?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The big 3 ( XXXX, XXXX, and transunion ) has not performed independent investigations. I sent letters and notified ( XXXX, XXXX, and Transunion ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiry on my credit report that I need removed. I have tried working this out with customer service with no resolution. I have attempted contact multiple times. I have notified company that I have been a victim of there inquiry issue. I wish to have these inquiry removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, LLC showed my credit score to be XXXX on XX/XX/2021. On XX/XX/2021 my credit score dropped XXXX points to a score of XXXX. The only activity on my Transunion account was a request from XXXX/XXXX  to remove all information in regards to their account from my credit history. This request was sent to all three credit bureaus and should not have affected my credit score with Transunion. There was no information concerning any XXXX/XXXX  currently or history on my Transunion credit report. 
The other credit bureaus increased my score by approximately XXXX points after the XXXX/XXXX  removal. There was no negative credit information reported to Transunion on my account and no reason to lower my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60-90 days late. Equifax is still reporting payments through XXXX of XXXX on a loan that was paid iff in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with Equifax and XXXX  and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.
Product: Credit card or prepaid card

I have been with Synchrony Bank. For quit sometime I have serval credit cards with this company. a Sam 's club credit card, Care credit credit card, PayPal credit card I have never been late paying I have also paid Sam 's club credit card off in full {$2900.00}. and Paid in full Care credit {$12000.00}, Paypal XXXX I was checking my accounts XX/XX/2020 I had know ideal this company had closed my accounts after paying in full I called at XXXX XXXX and spoke with a rude gentlemen asking him what was going on, he responded and said did you get a letter in the mail, I told him know sir, I did not receive any letter. I asked why and for what reason was my account closed he said for non payment. I said that is not possible I paid my accounts off in full this was Sam 's I said what about my care credit he said I would have to call back so I did, to find out my care credit was also closed I ask the man why he just responded all your account were closed with Synchrony bank I Didn't have to ask about PayPal. I don't understand why this company would do this If they were going to do something that is so outrageous don't close my credit knowing I paid my credit cards off in full and in timely bases. This is truly unbelievable.
Product: Credit reporting or other personal consumer reports

XXXX previous case XXXX stated that when the account owner added me as an authorized user, I can not opt out of credit reporting. they agreed to stop future reporting once I was removed. I was removed and the transaction was removed from experian, but is STILL reporting to XXXX and transunion as of the XX/XX/year> credit report. I want the tradline removed from those XXXX reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

In XXXX of 2021 my loan was sold to Selene Finance LP by XXXX XXXX XXXX. I have not received any statements by mail or email. I am currently in bankruptcy and my attorney has not received any information concerning the statements. I have requested no less than 5 times in the last 3 months that a statement be sent to my physical address. I found an address to send the payments. But I do not know how many payments I am behind, what the exact amount of the payment is, or when the payments are due. It is very frustrating when I am making every effort to be current on all bills and the mortgage company refuses to send out statements. I am concerned there is a chance this company can file foreclosure on my home.
Product: Mortgage

Flagstar bank tried to foreclose on me in XXXX. They alleged a lien against my property in XXXX XXXX, Michigan, during a loan modification process. There was no lein against me or my wife. The burden of proof was on us and we proved there was no lein. We filed for bankruptcy to prevent an inevitable foreclosure. I've discovered since that flagstar illegally blocked borrowers attempts to save their homes. My bankruptcy was discharged in XXXX as I lost my job of 4 years. I've applied for mortgage assistance with Flagstar and have been denied. They are using the same stall tactice and dual tracking. I need help.

I have also made Flagstar aware of the XXXX issues I had. I sent papers by certified mail outlining my XXXX issues. They are reviewing but I'm sure they will foreclose before resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I received an email in two of my email accounts from a company called Cedars Business Services , LLC. The email was from a person called XXXX XXXX. There is no address given on the email and I found them listed as being a business in the state of California. They have not been compliant with verification of any debts and do not follow the basic rules for the Fair Debt Collection Practices Act. They did not provide any information on the nature of the alleged debt and did not provide first hand documents that validate the debt. They allege that the debt is from a foreign bank. 

I have responded that they are out of compliance with the law. I have opted out of future emails and I am on the do not call list. This debt is not valid. 

They have blasted this email to multiple email accounts and despite the disclaimer, they have done irreparable harm to me and to my character, my reputation and my good name. I take this very seriously.
Product: Credit reporting

I have NEVER lived I 'm XXXX. I have told XXXX credit bureaus previously. My ex-wife and my daughter lived at these addresses in XXXX. I lived on XXXX from XXXX until XXXX XXXX. I moved from there to XXXX. I never lived in XXXX. I WOULD APPRECIATE XXXX credit bureaus removing the XXXX addresses from my record and put my correct addresses on my record. 
Thanks
Product: Checking or savings account

I opened an account and i was traveling and some how my account was accessed by another individual making fraudulent charges via cash app and XXXX where my account was over XXXX dollars in transaction i reaptedly tried to change email to my information and contact information but I don't know how it was changed to begin with than numerous times I went to the branch go fix it over and over filed claims and no response was ever given no letter resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$11000.00}
Product: Checking or savings account

Allowing withdrawals when I don't have the funds then chargeing me a overdraft fee, Holding my payroll checks for days before cashing then and overdrafting my account for service fees if I don't have enough funds.they always seem to find a way to take money from me.
Product: Bank account or service

I submitted an application for an account with Citibank on the understanding that I would be eligible for a promotion with XXXX XXXX upon completing certain hurdles. 
I completed said hurdles, and contacted them XXXX XXXX as to why I had n't received the promotional miles. They stated they would open a case and look into it. I contacted them again XXXX XXXX, and I was told I would have an answer in XXXX to two business days. I contacted them again XXXX XXXX, and was put on hold via their chat system indefinitely ( disconnected approximately 3 hours after the rep said it would be just a few minutes ). I contacted them again today and they said that I was n't eligible despite fulfilling the hurdles. I 've also incurred a {$30.00} fee during my wait for them to act, which they said they would n't waive.
Product: Credit card or prepaid card

My wife had this card that was offered when we got a new checking account. I must have received one also but never activated it. My wife XXXX XXXX  in XXXX and because my name is also on the checking account. I have no access to this account and they don't mail the bill until it was past due. Where they applied late fees and interest rates. 
elan financial, cardmember service, I received the bill XX/XX/XXXX where there was XXXX late fees and XXXX interest charged.I am going to pay this off as soon as I save enough money, but these people don't help. 
Twice I have asked them to mail the bill on time and twice I have received it past due. I don't feel I am responsible for it at all. Never signed for, never used it and they know it.