23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by XX/XX/XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like 10+ times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.
Product: Consumer Loan

I have a car loan with PNC bank. In XXXX of 2014 I sent a payment of {$250.00} in the form of a money order. PNC bank lost my payment. After that mishap I began to submit. my payments online, via bill payment. Now this month I submitted a payment of {$300.00}, online as before, they will not release the money to my account. I have proof that I sent the payment and PNC bank still refuses to accept the payment.
Product: Debt collection

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through Ally Financial. A XXXX XXXX XXXX, VIN : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$17000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number is : XXXX. 
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were XXXX Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
Product: Credit card or prepaid card

Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.
Product: Checking or savings account

In XX/XX/2023 I attempted to transfer money from my credit union to Etrade. I was distracted so accidentally did not verify I had enough money in the credit union account to make the transfer. 

When the credit union saw my mistake they charged me a fee and that's it. 

When Etrade saw my mistake they charged me a fee and put a hold on my account. I have been trying ever since to lift that restriction. I have tried 4 times, the last time being XX/XX/2023. They will not lift the restriction until I send them a photo of my drivers license ( done ), a letter explaining that I want to withdraw my funds and close my account ( done ), and a copy of my bank statement from my credit union. I seems illegal to me to have to provide private personal account information from another financial institution in order to close my account! This is my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XX/XX/18 received a welcome letter from XXXX 's prepaid XXXX. I never applied nor asked for this prepaid card. It has a prepaid card in the welcome letter with activation sticker. I'm worried that this will effect my credit score or was opened by someone else using my information. Tired to call XXXX 's and could not talk to a live person without having to input personal information like social security number etc. I'm not going to do that. There are fees associated with the account. I hope they aren't already charging me.
Product: Debt collection

I have received numerous calls from this agency on a dialer on the same day. I have the call logs. There are days where I have received 7 calls in one day. They have not sent any correspondence to provide proof of this debt. This is a student loan debt that is already paid. They must provide me with the original promissory note with my signature to prove the debt and they have not done so. When I spoke on the Phone with the last agent he did not properly identified himself his greeting was hello did not say his name or where I was calling. He was rude and hung up the phone on me. When I called back I was hung up again. The company is Transworld systems. I worked for them and I know their script. The first two conversations with a debtor they are encourage to be rude and belligerent so they can be nice and settle the debt on the third phone call.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity and the following accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are all fraudulent and not my accounts or credit inquiries : 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. I have been receiving numerous and harassing phone calls at my home and employer of profane and vulgar language, abuse, threats of legal action, wage garnishment, job lost, jail, prison, violence and death threats from debt collection representatives from all of the creditors listed above. All of the above creditors are in complete and total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. I am afraid and in complete fear of losing my life. This is so wrong and unnecessary...
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX I saw a lot of pre-approvals on credit Karma but credit karma kept sending me all sorts of pre-approvals, telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car everyday day I see these offers every time I logged in to check my credit scores, so after a few months of being told I was preapproved I thought I was in the perfect place to apply, I started telling my family and friends about different vacations and businesses we were going to get into because of the pre-approvals that I was being offered, so I finally applied for a credit card and a personal loan around XXXX, then in XXXX only to find out that I was being denied every time, I was distraught, angry and I felt deceived, I was being marketed too for months before I had applied, credit karma told me that I was pre-approved, that was a lie, I was severely stressed, nauseous and migraines, my anxiety went thru the roof, this has made me so uncomfortable I don't check my credit like I use to
Product: Credit card

On XX/XX/year>, I flew from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX delayed my baggage. As such, I needed to purchase some items for reimbursement due to the delayed baggage. I ordered some necessary cosmetic items from XXXX via XXXX XXXX to be delivered to my hotel. I made it clear in the in-app notes that I required a receipt so that I could submit it for reimbursement. However, the items were delivered to the hotel without a receipt. I spent over an hour on the chat feature attempting to get either ( XXXX ) a receipt for my items or ( XXXX ) a refund from XXXXXXXX XXXX  I was unable to get past the seemingly AI responses from the XXXX XXXX. A receipt from the merchant is legally required. I also was unable to get the costs reimbursed from the airlines, which I was entitled to, because XXXX refused to simply provide a merchant ( itemized ) receipt from the store. I filed a dispute on Capital One, which was initially refunded -- -- they, however, recharged it, which is unacceptable. I have altogether stopped using this card over this dispute, as I have been unable to get anywhere with Capital One to ameliorate this issue despite multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2023, having pulled my Experian credit report, I noticed no less than 5 inquiries on my report that I did not authorize. I promptly filed identity theft complaint with the FTC ( reports enclosed ). I also promptly notified Experian via mail of the issue and enclosed the 5 FTC identity theft complaints. I explicitly demanded they remove the inquiries from my report immediately. 
It is now more than 30 days after having put Experian on notice of the issue. 
Experian is now in violation of FCRA for a ) having not investigated within the 30 day statutory requirement, and b ) allowing IDENTIFY THEFT on my credit report. 
REMOVE THE INQUIRIES IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 This is the first time Experian credit agency has inaccurate information of me. 
I requested and received my free annual credit report from Experian, I saw my social security number is not mine, I never reported this number as my social security nor is it a combination of my social security number. I asked to have this corrected and I received another Experian report and my social security number or combination of it is still not correct. I want what portion this credit reporting agency enters as my own social security on my credit report, to enter my correct information. 

This year with my request for my free annual credit reports another credit reporting agency also had an incorrect social security number for me, I requested a correction report sent me with my correct social security number or part of it, and it was corrected by the credit reporting agency.
Product: Debt collection

We visited XXXX XXXX XXXX on XX/XX/XXXX and they offered to sell us their time share. We told them we already have a timeshare with XXXX XXXX, Florida. They asked can we do the title search of your property if it was ok with us. We said yes. At XXXX XXXX the same day, they said your property was worth # XXXX and our two-bedroom lock-off XXXX was also {$31000.00}. If you both agree ( me and my wife ) we will draw up the paperwork and go from there. The paperwork was signed very late in the evening and we were really very tired, being XXXXThe next day morning we read all the paperwork and something did not look right to us. If the property was a swap, why they ask us to sign on paperwork for the XXXX, for which we had no interest & also a down payment of {$6800.00}? They said please do not read too much into it, it is just a security for us in case you renege on your deal with us, once you reach XXXX.But we insisted that they draw up another set of paperwork stating that the buyers have no interest in the purchase of their XXXX case the XXXX XXXX do not purchase our property, the the agreement will be null and void. The XXXX XXXX contract # XXXX ( the purchase of the XXXX  ) was linked with XXXX contract # XXXX ( Purchase of our timeshare in Florida ) When we reached the XXXX, something was still bothering us and we sent them an email exercising our five-day recession right to cancel the fractional ownership of the purchase of the XXXX  but we were still interested in the liquidation process of our timeshare..We also called XXXXXXXX XXXX and put a stop payment on the Studio 's down payment of {$6800.00} paid by us. We called XXXX XXXX XXXX XXXX on XXXX and XX/XX/XXXX to find out the status of XXXX XXXX purchase of our property from XXXX was no inquiry for the purchase of our XXXX suspicions became true that it was all a fraud and a prey upon the XXXX  Their interest was only to sell their Studio to us and nothing else.We sent XXXX, emails on XXXX, and XX/XX/XXXX regarding the status of our liquidation process-we are working on it.No progress at all.If they are really serious about the deal, we challenge them to buy our XXXX property and in turn we will buy their two-bedroom lock-off XXXX, but no XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX BXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX
Product: Credit card

I traveled to XXXX in XXXX 2016, and used my Citibank World Mastercard. When I received my monthly statement, I incurred foreign transaction fees totaling XXXX. However, when I called Citi to question the charges, I confirmed the conversion rate. Specifically, I used the larger transaction for the XXXX on XXXX XXXX, which converted XXXX XXXX XXXX to XXXX. This does not convert using the XXXX exchange rate quoted by Citi. I asked Citi why I had hidden numbers inside the transaction, and that it appeared to be a double charge within the transaction, as well as outside the transaction. Citi reps told me that it was a line item explanation, and that those fees were not actually charged to my account, however, simple addition proves that to be incorrect.
Product: Debt collection

I have a medical charge from a Doctor ( XXXX XXXX ) in XXXX that billed me for services over 6 months after the date of service due to a negligent accounting error on his part ( date of service was XX/XX/XXXX bill received in XX/XX/XXXX ). I had relocated jobs at the time I received the bill from this doctor and my previous job 's employee insurance wouldn't cover this charge because the bill was sent over 6 months after the date of service. I tried to resolve this issue directly with the Doctor after I had moved to XXXX XXXX, This doctor then sent the bill to collections ( XXXX XXXX XXXX ) and I didn't receive notice of this in XXXX XXXX until the fall of XXXX. After disputing these charges I still paid the entire balance of {$1300.00} just to get this bill out of collections in XX/XX/XXXX. XXXX XXXX XXXX is still reporting to the credit bureaus that I have an outstanding balance of {$150.00}. I have not heard anything from this collection company since XX/XX/XXXX and want to know why they are still reporting a negative account on my credit. Also I believe the company submitting charges to me that I consider fraudulent on the part of the negligence of this Doctor 's accounting errors in the beginning.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Additional I have also been a victim of XXXX trafficking pursuant to FCRA 605C ( 15 U.S.C 1681c-2 ). Please remove the following accounts immediately as these accounts were the product of me being XXXX trafficked XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( There are two accounts ). XXXX XXXX XXXX, and XXXX XXXX XXXX these accounts are all reporting to Experian. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are reporting to XXXX. XXXX XXXX XXXX XXXX ( XXXX of them ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Two of them ) XXXX XXXX XXXX are reporting to XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was at the XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX  Massachusetts. I was thinking about buying a mattress from mattress firm. At no point did I agree to a hard credit pull. The salesman also agreed that he would not do a hard credit pull until I was ready to make the purchase. Well, I decided to back out after thinking about it for a few minutes in the massaging chair that they sit you in. The salesman mustve been angry because I backed out and ran my credit anyway. Remove this inquiry I beg of you. Its not fair at all. Instantly when I noticed my credit was ran I called both mattress firm and XXXX  and XXXX, they all ran their investigations and none of them removed the mark. What is the point of their investigation? What did they think they would find? I never wanted to apply for any financing at the fair. The salesman agreed to never run a hard inquiry. This stuff was word for word. I dont have documentation.
Product: Debt collection

Company is calling me in an attempt to reach my brother. I do not have any debts myself that they are trying to collect. 

Several weeks ago, I answered one of their calls ( after they kept trying repeatedly ), and I told them I had no information for them, and that I didn't have a better way for them to contact my brother. I asked them to stop calling me at any of my phone numbers, as I would be of no help to them. 

They have since attempted to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I'm guessing they will try again today, XX/XX/XXXX ). In short, they're harassing me about a debt that I do not owe in an attempt to reach one of my relatives when they've already been told that I have no additional contact information for him.
Product: Debt collection

United Resource Systems , Inc. ( XXXX XXXX ) is a fraudulent company that I obtained employment with in 2015. Upon my departure which is well within my rights because Texas is a Right to Work state. The company stated above accused me of not returning all items which I handed all equipment to my Supervisor and was then cleared for all inventory. This is not a debt that I owe but unfortunately a case of bad and mismanagement. 

Im asking for this item to be removed from my credit report. This is not my debt nor has it ever been mine.