23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried using my bank card to get gas and it was declined so I tried to pay inside it was declined. I called bank of America to find out what the problem was I knew I had {$500.00} in my account. They told me they shut my card down because of suspicious activity, when I told the employee at the bank I needed money before they turn my card off for my access the girl told me she would try to reopen the card. I was assured that I wouldn't be charged anything in fees if the transaction didn't go through. It took over three times myself and no money from ATM machine it kept saying to call my bank. The employee took over three times before finally the ATM machine dispensed {$100.00} .00 for me with the fee it is {$100.00}. When I called the automated number to check my account the next day XXXX learned that I was charged twice for the ATM transaction, it said I withdrew {$100.00} two times which is not correct I only took out {$100.00} and the fee of {$3.00}. I disputed the transaction and after thirty days my bank sided with the company who owns the ATM machine I couldn't believe my bank after XXXX years with them would do such a terrible thing to me. I'm on XXXX and need every penny I get, I was told to write a letter to ask the claim to be reopened I can't even begin to write the letter I've been traumatized emotionally and mentally about this. My statement shows when my bills were paid and how much money was left in my account which was a little less then {$20.00} an hour later I was overdrawn by {$84.00} Plus change and XXXX of my bills reversed not paid after already being paid. My last transaction to go through was on the XXXX of XX/XX/2021 clearly enough time to pay the money for my bills yet bank of America forwarded the dates to the XXXX of XXXX the same day they took {$100.00} from my account. They have stolen my money from me and damaged my credit that I was rebuilding. I can't sleep or eat can't think straight because of their blatant disregard for my money and health they have done more harm to me then just taking my money I can't function anymore because of what they have done to me. I want my money back and close my account. I found out that XXXX owns a big part of bank of America which is a private bank I learned. I don't want anything to do with them after I get my money back they sold their clients out to XXXX. They changed all my transaction dates to fit there lie. I was locked out of my online account so they could alter transactions I have printed out screenshots to prove what I say is true but there not interested in the truth because they would have to return my money. I need my money now and justice for me.
Product: Mortgage

Florida HAF said a payment of XXXX was sent to Loancare in beginning of XX/XX/XXXX2022. Has not been posted by Loancare. I called Loancare on XX/XX/XXXX22 and they say they haven't received it yet. Please help.
Product: Vehicle loan or lease

US Auto Sales was a company that misled consumers and this company is no longer operable. This company seemingly had gone out of business overnight leaving customers scrambling and also confused. I am perturbed, and befuddled, and now am in need of a car.
Product: Debt collection

I have two items on my credit report that are not mine one is dated XX/XX/year> from a XXXX XXXX XXXX XXXX  the other was dated on XX/XX/year> from so XXXX  XXXX  that I never had
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account XXXX Dear Southwest Credit Systems I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter.

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I have sent several letters to the creditors and the bureaus about unauthorized inquires that shows to be on all 3 of my credit report. On XX/XX/2018 and XX/XX/XXXX I sent certified letters to all three credit bureaus and all creditors that showed on my report to show me proof that I authorized these inquires and no one send proof. I am Requesting that they show proof that I authorized theses inquires or have them deleted.
Product: Payday loan, title loan, or personal loan

We had went to XXXX XXXX XXXX in XXXX Oh, On XX/XX/XXXX. We received a XXXX dollar loan from them and signed to make 11 payments of XXXX starting on XX/XX/XXXX. We have paid them XXXX all the way up until XX/XX/XXXX. On XX/XX/XXXX I called to make the XXXX payment, I asked them how much I would owe on the loan to pay it completely off at the end of the month after making the payment of XXXX and the lady had told me XXXX. On XX/XX/XXXX I had called to pay the XXXX to close the account, that is when the lady said XXXX was due on the account now. I asked how that was because I just paid them 2 weeks ago and I told her that the lady I spoke to said there was XXXX left on the account. She asked how much I had and I said I have XXXX. They said they would take them but I would have to send in money orders because they couldnt take it from a credit card. So I went to XXXX I got a XXXX dollar money order, a XXXX dollar money order and then another XXXX dollar money order. I sent them in. After a month past we figured that they had received the money and the account was closed because they didnt call and say other wise. Now that a month has past they called two ago and said that they didnt receive the second XXXX dollar money order and now the account is past due but XXXX and is going to go up everyday. While on the phone with XXXX she started screaming and cussing at me. Her exact words were Well when you want to let me XXXX  talk then you XXXX  call me back mind you I had my phone on speaker with my XXXX XXXX XXXX beside because she cant understand whats going on but she sure heard that. Then she said we had until Friday to pay her the money on the account. Every time I would call and ask them how much was due even if I called the day before they would always say there was more money on the account and not by a couple dollar, by a couple XXXX dollars. We just keep dealing with it and paying them more money but now it at the point where we have paid them XXXX dollars and they keep hurrasing us for more money. The loan says that if we didnt pay them a single dime for a full year that we would owe them XXXX and which we have made every payment and then payed them XXXX dollars, which adds up to XXXX dollars and they still want XXXX and more everyday then we would basically pay them back XXXX like we have never made them a payment for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant LLC is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with Avant on multiple occasions including phone, email and certified mail. Avant has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where Avant has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both Avant and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wrote my husband a check which he deposited into Chase bank atm machine. The check was cashed and somehow the cancelled check ended up in the hands of a thief who washed it, re-typed it with a new amount and cashed it. The funds were withdrawn from my credit union account. 
The same thing happened again following a Chase deposit. The check was once again stolen, washed and re-issued to 2 separate thieves and cashed by my XXXX XXXX. 
Chase is clearly the weak link. Someone within the Chase institution stole the checks, washed them and re-issued them. My husband had lengthy discussions with the branch manager in XXXX Ct who was empathetic. However, it was clear that the corporate fraud department does NOT care. 
This is a travesty and makes us feel very unsafe! 

Another incident happened in early XX/XX/XXXX- My husband 's business Chase account was " robbed '' by a thief from Texas XXXX The Thief had printed checks with his own name and address but had my husband 's routing number and account number on the bottom. The thief walked into a Texas bank and the teller handed him the money. It seems that for a huge bank their security is quite flawed. 
Yes, we do have fraud alerts on the accounts but it seems to be ineffective.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, XXXX XXXX XXXX cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX XXXX XXXX was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the XXXX of my XXXX. She opened an American Express card in his and my name ( because he was XXXX  and I was alive. ) She opened a XXXX and opened a XXXX bank in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and XXXX them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NORDSTROM/TD BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NORDSTROM/TD BANK USA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Item that was discharged in bankruptcy came back as delinquent. XXXX  XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Central portfolio control Incorporated XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX This company and their affiliates continue to call me and send text messages going on 10 years now. 

They continue to ask for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Illinois. 
To my out knowledge no address exist. 
For some reason you're upload file is not operating. Because I would like to upload the daily text messages & phone calls uspo mail, & email that are submitted. I will have to send that by email. 

This company continues to call even after today I spoke with them and called them back and ask them their address company name and information, they had the nerve to call again, while I'm filing this complaint and hang up calling from a different number. 

XXXX is currently investigating mail theft and mail fraud at my address. 

I have received XXXX  mail also from this collection agency and their affiliates. 

When I called them over 4 months ago and said stop addressing that person 's name to my address. 
They did not seem to care that I took the time to let them know they have inaccurate information. 
And appeared to blame me for the inaccurate information. 
I also called them years ago and they just will not acknowledge these communications. 

They continue to harass me.
Product: Student loan

Mohela told me in XX/XX/2024 I had a refund do back to me after Biden XXXX student loan forgiveness forgave XXXX As of XX/XX/2024, they tell me I don't have a refund coming and have not explained what happened to the XXXX XXXX in the amount of {$10000.00} that was on my account after both Student Defense and Biden/XXXX student loan forgiveness brought my balance to {$0.00} In addition, I reached out to the Ombudsman Group about my issue with Mohela and submitted a complaint on XX/XX/2024. I received a message they would reach out to me in 15 business days. It has been 28 days and my status on Studentaid.gov says " In review ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is under a lawsuit for us education everyone school loan that falls under the cares act TransUnion made mine and everyone score drop due to our school loans being out on hold for covid-19 and there is no way to speak with TransUnion to fix this I spoke with XXXX XXXX school loans and they told me TransUnion has to fix this error
Product: Credit card

While in XXXX, XX/XX/XXXX, XXXX I tried to make a purchase through XXXX  and the card was declined due to multiple attempts when the card was actually only used once so maybe Federal froze not only my XXXX XXXX card but my cash rewards card, and then they not provide in service to resolve the issue by placing me on hold for 20 to 30 minutes at a time. As difficult to get a hold of them or that department while in XXXX, there shouldn't be a 60 minute 30 minute let alone 20 minute wait time for somebody to pick up the phone to resolve the issue.
Product: Checking or savings account

TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). 


The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly. 

In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount. 
I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2021 I wrote a letter in regards to my XXXX  and at the federal level having a XXXX XXXX  therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly XXXX. And Im stuck on trying to resolve this Again can not help it sometimes
Product: Mortgage

I am the owner/landlord of one of the property at XXXX, Texas. I have an escrow account with Benchmark Mortgage company and they haven't paid 2021 property taxes yet, even though I have enough amount to pay the 2021 property taxes in the escrow account but due to their either unprofessionalism or negligence they haven't paid the taxes yet. I have been receiving letters from the tax company regarding the penalty charges and due date passed for 2021 taxes to be paid. I called benchmark mortgage company and explained everything about this issue, they mentioned that they will take care and resolve this issue in next 20 days, however it's been more than 20 days till now and they haven't taken any action or paid the taxes yet. I need resolution on this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 USC 1681 section 602 states that I have a right to privacy.

15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from Berman & Rabin, P.A., attempting to collect a debt allegedly owed to XXXX XXXX in the amount of {$8100.00}. 

On XX/XX/XXXX, I formally disputed the debt via certified mail and requested full validation, including : Proof that Berman & Rabin had the legal authority to collect the debt. 
A detailed breakdown of charges and how the amount was calculated. 
Documentation showing the legal transfer of the debt, if applicable. 

Berman & Rabin , P.A . never responded to my dispute and instead, without validation, transferred the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX, attempting to collect {$7100.00} for the same alleged debt. 

On XX/XX/XXXX, I sent a new formal dispute letter via USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, demanding proper validation before any further collection attempts. This letter was delivered on XX/XX/XXXX. 

Under FDCPA 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity until they provide proper validation of the debt. However, XXXX ignored my dispute and instead : XX/XX/XXXX XXXX XXXX XXXX continued collection efforts without validating the debt, in violation of FDCPA 15 U.S.C. 1692g ( b ). 

XX/XX/XXXX XXXX XXXX XXXX responded to my dispute, but only provided : A copy of my lease agreement with XXXX XXXX ( which does not prove that I owe the alleged balance ). 
An itemized statement with excessive and unverified charges. 
XX/XX/XXXX I sent a follow-up email requesting proper validation, including : Proof that XXXX XXXX XXXX has the legal authority to collect this debt. 
Evidence that Berman & Rabin had the right to transfer this debt. 
Invoices, receipts, or documentation justifying the balance. 
XXXX XXXX XXXX ignored my follow-up email. 

XX/XX/XXXX XXXX XXXX XXXX placed the debt ( {$7200.00} ) on my credit report despite never validating the debt, causing a significant drop in my credit score.