23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice on XX/XX/XXXX from Collection Bureau of America regarding a collection for {$140.00} with the creditor listed as " XXXX XXXX ''. 

I ended service with XXXX XXXX in XX/XX/XXXX and, to the best of my knowledge, my account was in good standing at the time I ended service. 

I contacted Collection Bureau of America via Telephone on XX/XX/XXXX and requested documentation to support the collection. The telephone representative told me they would send documentation within 20 days or they would remove the collection. I received no response. 

It came to my attention in XX/XX/XXXX that there was negative information regarding an outstanding collection on my credit report, so I contacted Collection Bureau of America in writing on XX/XX/XXXX requesting documentation to support this collection. I received a letter from Collection Bureau of America on XXXX including fraudulent documentation to support this debt. The fraudulent bill was dated XX/XX/XXXX, but it was sent to my current address ( we did n't even put an offer on this house until XX/XX/XXXX ). In addition, the amounts listed on the bill did not add up properly. The service period was listed as XX/XX/XXXX-XX/XX/XXXX ; however, the date of the charges was listed as 3/26/2015. The amount due was registered as over 120 days late ( even though the charges were dated AFTER the statement date ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent thousands of dollars in time and money to correct the fraudulent, mailed letters, hired credit repair companies and i still show errors on my credit account with NO success, I have place fraud alert, freeze accounts and still having fraudulent transactions ADDED to my credit accounts. I have mailed a copy of my deification and ss card as proof of my address, Name and the credit account are still showing my personal information as INCORRECT, XXXX, XXXX, Equifax
Product: Credit card or prepaid card

XX/XX/2022 Bank of America " refunded '' one of my credit card payments. They are very unclear about where the money went. All I know is that I didn't request the refund and I didn't get the money back. 

Over the course of 3 " looooong '' phone calls BofA said they would look into it. They try to wear you down and long weight times and sickening advertising. 

I finally got a letter saying they refunded the money to account ending in " XXXX. '' On other explanation provided. How did they let it happen? What is full account number information? 

They considered the case closed. Wrong! I will fight all the way to Supreme Court if I have to. This is wrong!!! 

I believe BofA has acted with criminal negligence. 

BofA Case Number is XXXX. Original " fraudulent '' Transaction Date is XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IN XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

New Manger discrimination against me about renewing my loan. I always make my payments on time and she was putting lies on my account so I can't get the loan request I ask for. I put in 2 request for the district manager to call me and he refused to call me also about the loan. The new manager at this location just didn't want me to get the loan because I was XXXX.
Product: Credit card

I requested a balance transfer on XX/XX/25 paid to XXXX XXXX with my account information. The transaction posted on XX/XX/XXXX, but XXXX XXXX has stated that they have not received payment. I contacted Barclays three times and was told that the payment was remitted and that XXXX XXXX has received my payment. I contacted XXXX XXXX who performed an investigation and inquiry on the missing payment, and they concluded that no payment has been received. 

Additionally, I have requested payment confirmation from Barclays, which they said could be weeks before I receive proof of payment and their investigation is complete. They refuse to remove the charge for the balance transfer or hold it in abeyance until resolution, and expect me to make payment in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount was paid to Portfolio Recovery and should have been deleted within 30 days and has not been deleted off credit report
Product: Vehicle loan or lease

On XX/XX/2021, I purchased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). The suggested manufacturing price was {$32000.00}, however they added values until the purchase totaled {$53000.00}. Below I detail the concepts and values : 1. Something they called the XXXX XXXX was added and I can not identify exactly how much it was but according to what was discussed with the seller it could have been between {$5000.00} and {$7500.00}. 
2. Theft Deterrent Device, XXXX XXXX ( optional and which I was not told about ) worth {$990.00} 3. XXXX XXXX XXXX, xzilon ( optional and which I was not informed of ) worth {$790.00}. 
4. Debt Cancellation Agreement ( optional and which I was not informed of ) for {$850.00} The next day I was able to look at the contract in detail and when they sent me a survey to evaluate the purchase, I informed them of all these values with which I did not agree, but they never gave me a response. 
I feel disappointed and cheated by this seller. For XXXX years I have been paying these amounts plus interest and they do not solve my problem.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Citibank to open a Citi / AAdvantage Platinum Select card in order to receive the benefits ( early boarding, free checked luggage ) for travel on XXXX XXXX flight # XXXX for a family vacation that we were taking the next day, XX/XX/XXXX, from XXXX to XXXX. While speaking to the Citibank representative, I learned that the benefits were only eligible for airline tickets purchased using the credit card and that I would need to have the card in my possession. As a result, I asked the Citibank representative to cancel my application ( Application ID XXXX ) and the representative confirmed that the account would not be opened. 

Upon return from our family vacation on the evening of XX/XX/XXXX and receiving our mail on XX/XX/XXXX ( the Tuesday after XXXX XXXX ), I received a credit card from Citi AAdvantage, card ending in XXXX. I immediately contacted Citibank and told them that the card should never have been issued, that the Citibank representative assured me that the account would not be opened and that the card and account were issued in error. Citibank closed the account immediately and I destroyed the card. The account was never used and was closed in XX/XX/XXXX, all of which is confirmed according to my XXXX Credit Report. 

In XX/XX/XXXX, I opened a Citi AAdvantage Platinum Select in order receive a promotional offer of XXXX   miles upon spending {$2500.00} within 3 months. I met all of the conditions but did not receive the miles and so I called Citi AAdvantage. I was told that " Special offers aren't available when an existing account in the same product has been approved or closed within 24 months. '' They referred to the account that they opened in XX/XX/XXXX. I explained that the account was opened without my authorization and they said they would refer the matter to the customer service team who would contact me by mail within 7 to 10 days. 

I received the letter from customer service today which simply repeated that I was not eligible for the offer because of the account they opened in XX/XX/XXXX. I called customer service and explained that the account was opened because of their error. The customer service representative put me on hold to speak to a supervisor/manager. The representative said they understood what happened but could not provide me with the special offer XXXX miles, but could offer me XXXX miles. I declined, explaining that I should not be penalized for their mistake and asked to speak to the supervisor. 

They confirmed my telephone number and said that a supervisor would call me back and that they would expedite my case but I have not heard back from anyone. 

I do not think it is legal for Citibank to open an account without my authorization, particularly when they acknowledged that they would not open the account. I also do not think it is fair to deny me the special offer because of a mistake that their employee made when I have met all of the conditions of the offer.
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Date : [ XX/XX/year> ] Subject : Formal Complaint Against [ Portfolio Recovery ] Dear Sir/Madam, I am writing to file a formal complaint against [ Collection Agency Name ] for multiple violations of my consumer rights. Below are the specific issues : Failure to Provide Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information upon request. [ XXXX XXXX XXXX ] has not provided this validation information, yet they have placed a collection account on my consumer report. 

Infringement of Dispute Rights : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the account. However, I have not been given an opportunity to dispute the account before it was reported to the credit bureaus. 

False and Misleading Practices : [ XXXX XXXX XXXX ] is violating my rights by using false, misleading, and deceptive means to collect the alleged debt. They have failed to provide necessary disclosures and are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( A ). 

Unauthorized Credit Inquiry : [ XXXX XXXX XXXX ] conducted a soft inquiry on my credit report without my permission. They have not provided any permissible purpose for this inquiry, which constitutes a violation of the Fair Credit Reporting Act. 

In light of these violations, I am disputing any and all debts claimed by [ XXXX XXXX XXXX ]. I am also revoking all rights for them to communicate with me via email, text, or telephone. 

I am requesting the following actions : Validation of Debt : Provide proof of debt validation, including the original creditors agreement and the purchase agreement between [ XXXX XXXX XXXX ] and the original creditor. 
Licensing and Bonding Proof : Provide proof that [ XXXX XXXX XXXX ] is properly licensed and bonded as required by law. 
Explanation for Credit Inquiry : Explain the purpose of the soft inquiry performed on my credit report and provide evidence of permissible purpose. 


I appreciate your prompt attention to this matter and look forward to your response detailing the resolution of these issues. Please let me know if additional information or documentation is required. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax has listed on my credit report that my student aid loan, XXXX, was sold or transferred. This is INCORRECT information. I paid that loan in its entirety myself with a last payment of over {$2000.00}. This needs to be addressed as soon as possible.
Product: Credit card

I was sent a letter for a credit card debt that was {$7800.00} in which i 'm disputingthe amount they say I owe is false also if I do n't pay legal action will be taken XXXX me
Product: Debt collection

XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of XXXX XXXX XXXX to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!
Product: Money transfer, virtual currency, or money service

Thursday XXXX XXXX XXXX. I met with an agent at the Bank of America branch in XXXX, RI. I showed the agent the emails on my phone ( attached to this complaint ) and wiring instructions from the scammer and explained how I verified the beneficiary and he had no doubts. I told him that I called one of the numbers on the email and it was out of service. When I called the other number it got through to someone and I explained what I was calling for and asked to be transferred to the paralegals name at the law firm and then got hung up on. I then told the agent that due to no calls getting through I emailed the scammer asking the amount to verify that this person had access to the closing disclosure, which was a secure document. Only the law firm and broker would know that amount. The scammer got back to me with the exact amount of {$23000.00}. The agent said that was a good way to check and asked if the account name on the wiring instruction matched with the attorney 's name at the law firm and I said yes, which is factually true. The agent also asked if the addresses matched and I said yes, which is factually true. The agent then continued to wire the funds to the scammer using the wiring instruction under my consent. The bank agent in this case should have given due diligence to ensure the consumer is not falling victim to a scam. The narrative shows that there were instances where the bank agent could/should have recognized scam characteristics. Also the agent should have done more preventive care. A first time home buyer who is not aware of mortgage wire fraud would not know if they are being scammed. The bank should be well aware of mortgage wire fraud to help their clients ensure they are sending the funds to the rightful beneficiary. I informed the agent that I could not get a hold of the law firm administering the closing over the phone and that should have caused the agent to advise not to wire until I can get on a call with the law firm. I paid a service fee of {$30.00} and have been a customer for 6 years. Bank of America could have helped in preventing me from wiring {$23000.00} to a scammer and they should improve their services to better protect their customers from scams. All of Bank of Americas action since has been that they sent a recall and that there is no guarantee of getting any of the money back into my account so file a police report. They said they will contact me with updates, but only update me when I call them which consists of holding for an hour.
Product: Debt collection

I am writing to formally dispute unauthorized fraudulent information appearing on my credit report.
Product: Mortgage

I have contacted United Wholesale Mortgage over a dozen times ( Since the Spring ) and they keep saying that they are getting ready to send the escrow payments for my property taxes. Last week, the lady said, " They just sent overnighted it to make sure it got there on Monday. '' So I waited another week and I just called today and they still hadn't sent it out, I don't know what else to do and I'm already really late on my payments. Please help! 

Sincerely, XXXX XXXX
Product: Debt collection

I noticed on a credit report they were trying to collect on a debt that has pasted the statues of limitations. When I called and informed them, they claimed they didnt know. I discovered today they filed again against my credit lowering my score 17 points, and increasing the debt by XXXX . 

I tried to call again and their phones are disconnected.
Product: Checking or savings account

On XX/XX/22 I attempted to make a withdrawal from my account with USBank at a local ATM here in XXXX South Carolina, the transaction was denied .I contacted the bank on Wednesday, and explained what had happened .The bank representative stated it was an issue with my identity and I needed to verify who I was .I did the verification on Wednesday as requested. Called the bank on Thursday, spoke with a representative and the same issue was reported to me, again I sent my state ID and another selfie to the bank verification system, called and spoke with the representative again to make sure the ID documents were legible and that everything was according to the request the bank had made. 

The representative loaded all the information and stated to me that everything looked fine the ID and selfie was clear and that was all they needed from me for the issue to be cleared up once the verify associates looked at the documents and cleared all documents submitted. I called back on Friday XX/XX/22 now we have a fraud issue along with verification that the bank could not verify that I was the individual that owned the account .I have had issues with this bank since Pennsylvania XXXX deposited my funds in the account .The bank have a freeze on my account, I can't retrieve XXXX single XXXX from the account I have attempted to resolve this ongoing issue for 3 days now without any resolution. I spoke with a representative supervisor ( XXXX ) that told me to contact the state concerning my funds because they couldn't identify me
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of public records on my credit report is unacceptable and is causing me considerable distress. I urge you to remove them immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my report : XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as Experian. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XX/XX/2016.
Product: Credit card or prepaid card

Hello, we are having challenges with Synchrony Bank/JCP ( the Mastercard company for JC Penney ).
The have charged unauthorized *Card Security Fees of {$30.00} per month* for 78 months. ( approximately {$2300.00} ) We have only just discovered this. The total of the fees exceeds the amount we owe the company. Synchrony/JCP says they will investigate and it may take up to two weeks. 

**Additionally we have paid interest fees as a result of these card security fees. We believe the fees have cause us to pay unnecessary interest. 

When we called the number associated with the fees they say they have " no enrollment in the system '' under this account number or name.
Product: Debt collection

Pressler sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as pressler.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Vehicle loan or lease

Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.