23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I have been receiving threats of criminal prosecution for a debt that my husband and I had with a company called XXXX back in XXXX of 2015, that we paid on for 5-6 months, but they were taking more than we thought they were supposed to, and we tried to negotiate with them, but they would n't and we had to close the account, because even after we asked them to stop automatic debiting, they refused. We only borrowed {$250.00}, and were paying well over {$100.00} per month. We included the loan as part of the bankruptcy for both my husband and I. I have discharged out of my Chapter XXXX, but my husband is still in his Chapter XXXX. We have been getting harassment calls from debt collectors for at least three months, soon after we went into bankruptcy. 
Today we were told that we committed fraud and that we would be prosecuted for fraud. that they were coming to our home to serve us a summons. We were also told that bankruptcy does n't have any bearing on this debt. We paid so much on the loan compared to how much we borrowed, and they are still saying we will be prosecuted unless we pay over {$700.00} more to them. 
The callers talk very fast, but refused to answer questions about the name of the company they work for. They have been very rude, and threatening. We think they said XXXX, btu do n't know what that stands for.
Product: Debt collection

Received emails stating I owned money to XXXX XXXX services in XXXX XXXX. I contacted XXXX via XXXX. They said I had to contact XXXX XXXX. I contacted XXXX XXXX  and they had no record of my visit. They had somehow put another Person 's bill on an account, who had similar name and similar birthdate, with some partial information on me from back when I went to XXXXXXXX XXXX XXXX 15-20 years ago. XXXX bought them out a couple years ago. They removed the bill off what information they had on me after I faxed them my drivers license and they confirmed the bill was not mine. I contacted XXXX and told them. I hadn't heard anything until a few weeks ago from XXXX about being sent to collections by Wakefield and Associates on behalf of XXXX. I filed a dispute with XXXX  and was told that Wakefield had to provide proof and detailed bill of my visit to back up their collections. I did not receive anything or any proof. I contacted XXXX XXXX  and they verified they took care of it 2 years ago and notified XXXX and confirmed they had no record of visit for me. I contacted XXXX who couldn't find me in system still ... after trying my birthdate, last 3 addresses, and last 2 phone numbers. They got supervisor involved who said to send me to billing. Billing said they were informed of my statements and that I owed the money and wouldn't listen to me and told me I had to contact XXXX XXXX. I told her that I contacted XXXX XXXX  already and what they said. She said i had to contact XXXX XXXX. I said can you not contact them and call me back? She said she couldn't call me back that I had to call back. So I asked if she was going to contact them and she said yes. I asked if a hour would be enough time to call back. She said yes. I called back and She said it was a keying error on XXXX  side and was corrected and that they were going to remove me from collections. I said I wanted proof. She said they could send me a letter. I said ok please do that. I asked her to verify my address, it was someone else 's address. I said that's not me. She said that's what we have for you. I said that isn't me. She read off phone number. I said that isn't mine nor has ever been mine. She asked for me address to send letter. I said I DO NOT WANT YOU TO PUT MY ADDRESS ON SOMEONE ELSES ACCOUNT!!!. She said it wont go on the account its just an address of the letter. So i gave her my address. I am afraid that some of my info got added to another person 's account and that persons information is under my name still. I received the letter last week station patient not seen and siting the keying error. XXXX has since resolved the dispute in favor of Wakefield because they provided proof ... that doesn't exist and was never provided to me.
Product: Credit reporting

They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached
Product: Checking or savings account

XXXX XXXX victim of fraud- {$50000.00} taken from me in scam- bank said my fault New account opened Chase Bank XX/XX/XXXX XXXX XXXX Account frozen without my knowledge XX/XX/XXXX, XXXX Account closed without my knowledge Was told all monies would be returned to me on or about the XXXX of XXXX-no check sent Multiple inquiries made with chase bank- keep being told the account is under investigation and monies will not be returned as there is a possible fraud from a wire i received. 
Made many attempts to resolve the situation both on the phone and at the branch level. 
Funds will not be returned- total funds in question of mine are XXXX. 
I have insisted the wire of {$52000.00} be returned to the original sender but chase refuses and blames his bank. I have contatced the sender and his bank and they say that chase will not comply with our requests. 
This has now become a hardship for me as part of the {$6300.00} is a pay check i received on XX/XX/XXXX that was directly deposited into my account from my work is being held. 
Any assistance would be greatly appreciated
Product: Credit card

My daughter XXXX. As a result she was XXXX. This was not covered by insurance so I paid in advance for her to attend the facility for 30 days at {$550.00} a day, authorizing a one-time charge of {$16000.00} to my credit card. After 30 days, she stopped using the facility. Two weeks after she left the facility, a second charge for another {$16000.00} appeared on my card. This charge was not authorized and, unknown to me, the merchant had retained the card information I had previously provided and used that information to charge the card a second time. I tried to call the merchant but they did not return my calls. I called Chase Visa to report this charge as fraud. Chase accepted that this was fraud, canceled the charge and issued me with a new card. Four months later, and after I had destroyed my records, I received a call from the Chase Fraud Review department claiming this was not fraud but a merchant dispute. The representative on the recorded call put an enormous amount of pressure on me ( this can be reviewed ) to agree that this was a merchant dispute but I declined to do so. 
My complaint : 1. This WAS fraud. This charge was not authorized by me and Chase can provide me with no record of its authorization. No goods or services were provided for this charge. I want Chase to treat this as fraud 2. The fraudulent charge appeared on my account on XX/XX/XXXX. Chase contacted me today ( XX/XX/XXXX ) to tell me that they now considered this a merchant transaction. Too long a time period passed between these events, which meant that I had discarded my information and notes about this fraudulent charge. 3. The representative to whom I spoke put undue and unfair pressure on me to convert this fraudulent charge into a merchant dispute with today 's date. 

Restitution : I would like this fraud to be seen as what it is and no record of these events to affect my credit standing in any way.
Product: Debt collection

I fell for a student loan scammer, it was my first time applying for a loan and I gave the scammer all of my information, social, bank information ( password/ password ) social, address and phone number, I'm a XXXX living in california and I received debts from discover and I called them and told them and I filed a identity theft with the XXXX, they open the credit card since 2017 and been using it using my address, I added an identity theft on my credit report when i found out, Discover even send a lawsuit notice to my house, I'm XXXX years of age and I only had one credit card because I never really had a job and my mom is supporting me, {$4000.00} something dollars on my name, my credit is destroyed because of that, they kept saying it is valid because my information is used, which i kept telling them it is not true, they sent me statement none of which was made by me, I need this resolve beca and I recently just got approved for {$300.00}, one is close and one is open use of this i can not get a student loan or any good credit because a XXXX  scammer decided to ruined me and discover will not help at all I even keep the scammer number, which is XXXX this is not fair, I never thought to check my credit because I had to learn that when I unexpected started receiving debt bills and calls from discover
Product: Credit card or prepaid card

On multiple occasions I have notified Chase Bank Card Services ( XXXX ) of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently Chase is reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my report from XXXX XXXX. This has had a very serious affect on my life and has been extremely distressing for me and my family. My information was incorrectly reported shortly after I was laid off in the middle of the pandemic. Please remove and block.
Product: Vehicle loan or lease

I want GM Financial to provide a clear title to my car and send a release to the State of Illinois to have XXXX XXXX XXXX XXXX XXXX removed from my title. Either obtain a release from XXXX XXXX XXXX XXXX XXXX or provide a Certificate of Error indicating XXXX XXXX XXXX XXXX XXXX XXXX should not have been added to title. 
GM Financial, XXXX XXXX XXXX XXXX XXXX  sent the lease agreement to the State of Illinois, Secretary of State so that XXXX XXXX XXXX XXXX XXXX would be lien holders. 
Because of the actions of GM Financial, my car title incorrectly listing XXXX XXXX XXXX XXXX XXXX as lien holders. 
Background. 
I leased my vehicle in XX/XX/XXXX at XXXX XXXX XXXX of XXXX XXXX. My lease payments were arranged with GM Financial. My Lease Payments were made to GM Financial. My vehicle is a XXXX XXXX and was new at the time of the lease transaction in XXXX. 
XXXX XXXX XXXX XXXX XXXX was also named as being involved in the lease transaction. I am not certain, but XXXX XXXX may have provided financing as a third-party so that the lease company could purchase the Vehicle. A search of the internet revealed that XXXX XXXX, XXXX XXXX & GM Financial are Partners XXXX XXXX XXXX XXXX XXXX are still listed on my registration & title as lien holders. 
I obtained a pay-off from GM Financial and paid-off the lease in full over two years ago. a conventional auto loan to pay-off the lease from XXXX Bank XXXX I refinanced my loan with XXXX XXXX in order to get a lower rate. 
My payment summary is as follows : XX/XX/XXXX Obtained Lease from GM FINANCIAL. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from GM Financial for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened XXXX XXXX account & Paid-off GM Financial Lease Agreement in full . 
XX/XX/XXXX Opened XXXX  XXXXXXXX XXXX XXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful. 
Attachments : Email summary sent to GM Financial. 
Illinois Secretary of State title information Showing XXXX XXXX on Title Illinois Secretary of State title release information to be completed by GM Financial. 
Letters from XXXX XXXX indicating they have no knowledge of a related account.
Product: Mortgage

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mr. Cooper mortgage paid my hazard insurance in the amount of XXXX twice. This was an error, as it should have only been paid once. I realized their error and have called them numerous times, been hung up on, promises were made and yet nothing has been done. They incorrectly applied the amount to an old loan number rather than the new number for which the amount should have been credited. I have spoken to them on at least 3 occasions, last time was last week and they assured me the amount would be transferred over from the wrong account number to the correct account number, but it hasn't been done. You can't get anyone on the phone and if you finally do, they are incompetent and lie and then hang up on you. I need help getting this resolved. I intend to take this to the Attorney General of the United States if I don't get resolution from you.
Product: Vehicle loan or lease

Credit acceptance called me told me that your result show no merritt to my complaint why was I not contacted by you I am sure I am reading the contract n it's clear once the vichcle is distroyed in am not bound by the contract I have not been to work since car was totalled They won't refinance they are just down my throate for payment of a Ballance that they would have gotten over years I can't get another car because they showing up on my credit report owing XXXX Wich is inaccurate If they can sell my body and get paid that's what they have to do cause I have no money and no job soon due to this mess I owe them nothing
Product: Credit card or prepaid card

At XXXXXXXX XXXX  on XX/XX/XXXX my credit card was used fraudulently at XXXX XXXX XXXX. While I was at home I received at text message notification from Chase asking if the transaction was made by me. I replied no and the charge was taken off my account, the card cancelled, and a new one sent to me that I have been using ever since. In XXXX of XXXX I looked at my credit card statement and noticed the amount of the charge, {$1700.00}, was added back to my credit card bill. 

I called Chase to inquire as to why the charge was back on my statement. The individual I spoke with told me because I had possession of the card, had no duplicate cards, and had no other authorized users of the card that the transaction was valid as it had taken place at a chip terminal. 

I set to acquiring any evidence I could gather to the contrary. First I called XXXX XXXX XXXX to acquire a receipt regarding the transaction but XXXX XXXX XXXX was unable to get one timely. 

I filed a police report on XX/XX/XXXX with the XXXX  Police Department and sent it to Chase on XX/XX/XXXX and was told that was insufficient evidence to overturn the fraud claim. I called Chase to ask what sufficient evidence would be and was essentially told to send them anything and they would look. 

On XX/XX/XXXX I submitted every statement I have received for my credit card and one and a half year 's of debit card statements to Chase for review regarding the fraud case. The credit card and debit card statements both show I have never shopped at XXXX XXXX XXXX in two years and anything a shopper at XXXX XXXX XXXX  or a XXXX XXXX XXXX member would purchase there I purchase at a multitude of other retailers and vendors. I wrote a narrative describing the credit card statements and debit card statements, impressing the fact that I can not shop at XXXX XXXX XXXX  since I am not a member and have no member ID, I don't shop there for anything XXXX XXXX XXXX customers shop for, and that at the time of the transaction I was at home. This was also rejected and the transaction is still posted to my credit card statement.
Product: Prepaid card

Amex electronic gift card does not work anywhere online despite being advertised as being widely accepted. They say that " Your American Express eGift Card may be used at US merchants that accept American Express Cards '' on the website, but this is clearly not the case. 

I have tried using it to pay my XXXX XXXX XXXX XXXX XXXX, but now it no longer works as an accepted method of payment. I tried using it at XXXXXXXX XXXX but it was declined. I have also tried using it at XXXX, but it was declined as well and there is a pending hold on the gift card balance. I have tried doing this in the span of XX/XX/year> to XX/XX/year> and no sucessful results. I do not know how I can use theis gift card and without a physical card I can not use it in any retailer. My worry is now the cash is stuck in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i wrote letters to XXXX , Equifax , and XXXX regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.
Product: Debt collection

Despite submitting documentation ( providing proof ) this collection which does not belong to me remains only on Transunion. Its never appeared on any other bureaus report. Transunion, refuses to operate under the policies set forth by the FCRA
Product: Debt collection

Constant calls for family member who lives hundreds of miles away and whom I haven't lived with for 20 years. Call personnel cell phone which I have never shared with family member. Caller says they received my phone number via XXXX Skiptrace service.
Product: Debt collection

Not my debt, I paid what I was suppose to pay three years ago
Product: Credit reporting

Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.
Product: Credit reporting or other personal consumer reports

I am being ignored and disregarded as a consumer in law. Information that is not 100 % accurate and fully verified is being reported on my credit report. Information can not be reported unless it can be supported by evidence per the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple XXXX  issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXXXXXX XXXX they claim i aint heard a XXXX from them when i told them they need to reimburse me my idenity got stolen while i was using yhere premium service i have a debt with capital one it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$5800.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, XXXX, Experian I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
Product: Credit reporting

Debt was paid off for XXXX. Debt was then put back on credit report after paid in full. Contacted XXXX who advised XXXX XXXX XXXX did not provide them any records of debt being paid off therefore I would need to pay account off before any services could be offered. I paid sprint my balance of XXXX. Was advised that XXXX XXXX XXXX no longer owns this debt. Disputed information with Equifax who advised this debt was valid but this in incorrect as 1. I did not pay them I paid the original creditor XXXX. 2. XXXX XXXX no longer owns this debt.