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

I went to Bank of America to do a balance transfer. It was for {$18000.00}. {$12000.00} went to creditors. The other {$6000.00} was supposed to go into my account. It was done on XX/XX/2019. The problem was that the {$6000.00} was handled as a cash advance. I never asked for a cash advance. I had no need for a cash advance. Ive been having to pay about {$93.00} a month for cash advance fees ever since. When I originally caught wind of this. I called to complain. This was back in XXXX. They were sympathetic and even asked for the name of the employee at the bank. I gave it to them and they removed two charges. Approximately about {$180.00}. Within a matter of two weeks. They resumed this unethical practice of charging fees incorrectly for an offer they sent me in the mail. I dont normally check my accounts regularly ( trust ). I noticed this in XXXX. I have called several times and have yet to get this problem taken care of. They keep insisting that I had this check deposited into my checking account. Therefore, its a cash advance. Thats a complete lie! I have had this offer before and have had a check deposited into my account. They are the ones sending the check in the mail. Its part of the balance transfer offer. In fact the check stipulates that is an offer. It has offer ID KV and some digits afterward written on the check. I have the copy of the check. They send two checks in the mail. One for 0 % interest for a limited time, and another one for 1.99 % interest for a little more time than the other. I got the check from the letter they sent me and that was the check that was incorrectly processed. I now have three charges that amount to about {$270.00}. I was trying to save a few bucks with this balance transfer and look what happens. When I call them. Its like talking to a complete different company. At first sympathetic and now rude and deceitful. Ive been with BofA close to 40 yrs. I just sent them {$17000.00} to pay off this credit card. Im going to be severing my ties with them. So inconsiderate especially during these difficult times. Who knows if I will have a job by the end of the month. Please help me. Any information you need, I can attempt to gather. Thank you
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  UNDER XXXX05C. I HAVE UPLOADED MY SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE UNDER 605C.
Product: Debt collection

I.Q. Data International reported unpaid debt to credit reporting agencies and also allowed public record of debt to occur. The unpaid debt is reported in the XXXX XXXX County Courts of XXXX with an eviction record with the amount of the unpaid debt. The court record was not removed by I.Q. International when the unpaid debt was transferred.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

A newly opened collections account on my credit report appeared by this company as of last month without my knowledge. I never received anything by mail, telephone or email regarding this. I sent them an email to attempt to get a Validation of Debt Letter sent to me and while searching and investigating the company online, seen they are notorious for not responding to consumer requests on these types of issue 's.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
Product: Debt collection

I had a lease agreement with Ally Financial. The lease end was XX/XX/XXXX. I made the final two payments towards the loan in XXXX. One on XX/XX/XXXX in the amount of {$310.00} for the month of XX/XX/XXXX and the second on XX/XX/XXXX in the amount of {$300.00}, which was the remaining amount due on the loan. I needed a letter from Ally to XXXX XXXX, who I was initiating a new lease with, that the account had been paid in full as a remaining balance of {$300.00} was showing on my credit report. When I called Ally for the letter I was told there was a remaining balance owed for property taxes and they could not send a letter that the account is paid in full until those charges had been paid. I paid the balance in full over the phone via XXXX XXXX Wire Transfer on XX/XX/XXXX in the amount of {$1300.00}. I was told my account was now fully paid and closed and they in turn faxed a letter to XXXX stating that there was no remaining balance due on my account. Two months later I received a bill from Ally saying I owed {$550.00} in property taxes and {$790.00} in extension fees. The extension fees were due to XXXX not returning the vehicle on time and they worked with Ally to remove those charges. I disputed the {$550.00} property taxes, requesting documentation of validity of charges and was never sent any supporting documentation for these charges. I refused to pay as these charges were not valid. I called Ally several times trying to reconcile this issue, but they never sent me anything to support the property taxes and only sent bills monthly while simultaneously reporting this negative information to the 3 credit bureaus. It has been almost 4 years now and I recently disputed with the credit bureaus and Ally continues to say I owe this and now has reported a recent missed payment and past due balance of {$550.00} as of XX/XX/XXXX. This has very negatively impacted my credit score and I am extremely upset. It is not right that I should have to " pay off '' Ally an amount that is not valid in order to get this resolved. In disputing with the credit bureaus I feel they automatically take the creditor 's word over the borrowers and that is not right. I would like for this charge and the negative history reported with it since XXXX removed from my credit report but do not know what else to do at this point. 
Thank you in advance, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX is unable to resolve a money transfer that fraudulent. Having a XXXX XXXX XXXX XXXX, a securities license, and having been in banking myself, I am aware of that kind of cash transfer app is an extreme danger to the consumer as many people might have families and outstanding obligations and are taken advantage of such as myself. 

Neither XXXX or Schwab Bank has refunded my money and they seemingly release themselves from any indemnity by providing cloudy details. Has transparency and financial protection disappeared altogether?
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached log of disputes, I have twice tried to correct an incorrect address in Equifax 's records of my personal information. Despite being the victim of identity theft ( due to EQUIFAX themselves, of course ), they have cavalierly and recklessly ignored my requests to remove " XXXX, PA '' as a previous address. They know it is not a previous addressthat is where one of the identity theft frauds originated. 

I have attempted, a third time, this week to make this correction ( dispute ) over the phone with an Equifax employee. I have never received an acknowledgement of the findings or resolution or non-resolution of my previous disputes about this issue. Nothing. If it were not listed on their website, I would not have known. 

So many violations of the FCRA it makes my head spin. Of course, this error has probably now spread to the other two credit bureaus, so I will have to file disputes all over again with them again, and again, and again. 

I am beyond furious that they enabled the theft of my identity and I got no compensation except free credit monitoring, because, of course, my time and well-being are worthless. That is a rant, not germane to this complaint!
Product: Credit card or prepaid card

I have an amazon chase credit card. My account is locked ( chase.com ). I have been on the phone for almost 3 hours! I have been hung up on, put on hold repeatedly, and each time a representative comes on the phone I start all over. I have been transferred to XXXX twice with an incredible difficultly in being able to understand due to poor connection. After almost 3 hours, I am still on hold and unable to determine if my account has a payment due, if there are fraudulent charges, etc. I am appalled and have no idea how to proceed.
Product: Debt collection

Went on my credit report and there is a collection from XXXX XXXX. The collection company is Credit Protection. The amount is XXXX which I do not owe. I did not live at the address on file at the time. I lived at XXXX XXXX XXXX. Tried to make a police report on this and was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loans have been  discharged  and I have a letter from the   XXXX   XXXX   XXXX   stating all loans have been discharged. The  XXXX  credit bureaus refuse to accept the letter.
Product: Checking or savings account

I lost my wallet in a taxi In my wallet, there were my credit karma debit card and the PIN number was in the lil paper write it down i didnt even notice that i had that card on my wallet then i received a call from credit karma asking me if i was using my card i told them no i never have used that card i only use that account to pay for my credit card bills but never used the card that i lost my wallet and that when i was looking for the card i didnt find it so it must be in the wallet i told them no that i wasnt the one making those transation to block the card they block the card but they made XXXX transations of XXXX each so they were able to take XXXX dollars from my account when i open the dispute credit karma close my account and denied my dispute i try to reopen the dispute but they said they couldnt so they close my account and basically i lost those XXXX dollars when they said that i was protected for fraud for unauthorized transation i didnt authorize those transation and no body that i know
Product: Credit card or prepaid card

On or about XX/XX/2020, a scammer used a Chase credit card in my name at a number of retailers in the XXXX, Michigan area. I live in XXXX XXXX, MI, 75 miles away and have been in Quarintine at my home since XX/XX/2020. I was able to retrieve receipts from XXXX via telephone and email that shows the largest purchase was done by a XXXX XXXX for {$6300.00}. JP Morgan Chase has refused to honor my complaint or properly investigate my dispute and have thereby left the charges on my card causing potential financial harm to me. They actually downright declined my claim without having properly investigated the charges. I never received the card and have been a repeated victim of id theft and fraud due to a number of data breaches including XXXX  and XXXX. I have ID Theft protection but this has somehow gotten past them as well.
Product: Student loan

Between  XXXX  and  XXXX    XXXX   I mad e five calls  to Navient customer service attempting to set up a loan repayment plan. Each time I asked about income based repayment I was told I would be transferred to the appropriate person but was transferred to the collections department. They would then tell me I was ineligible for income based repayment unless I was in collections. I would call back and get different information from another representative telling me I could apply but not until  XXXX . In  XXXX  I again was sent t o the collections department three times and spoke to at least six people about a repayment plan that was not > {$300.00} per month. I was fina lly able to set up an income based repayment plan and was told that my monthly payment would cover interest only and would be {$130.00} per month. Since repayment began in  XXXX  my monthly amount has increased twice, going up by {$10.00} in a few months. I was informed that my payment would be the same each mo nth for two years. I do not want to try again with Navient because it is   extremely aggravating to call and get sent to various people, none of whom give the same information. I can not afford for my payment to continue increasing by unknown amounts each month. I began this repayment plan to avoid exactly what 's happening.
Product: Debt collection

It was on XX/XX/XXXX I went to the XXXX XXXX emergency and I received a bill from cause my insurance company was not able to cover it.and I requested some support from the state.they paid everything out for the department and I still have to pay the {$1700.00} for XXXX and I was unable so they reported me to the collection ( account resolution services a division of XXXX, XXXX ) they were keep sending letters to my new address.since the collection was really destroyed credit I was even unable to an apartment or car rent I requested to the state if they can help me, after a day I received a notice from the state where the amount was reduced and I had to set up a payment plan for that. I started paying biweekly and I stopped to {$640.00} or {$630.00} without paying that so the amount was reported to my credit report with ( XXXX XXXX ) So at the end of XXXX of the year the company ( XXXX XXXX ) called me they had a proposition for instead of paying the full amount ( {$640.00} ) I have to {$340.00} and the collection will be removed from my account I agreed and I gave them my Visa card so they set up the payment on the next coming Friday ( XX/XX/XXXX ) And after talking to them the company sent me a confirmation letter to make sure if it was me. So on the date that weve agreed for the payment they received money at XXXXXXXX XXXX  After two weeks the collection was removed from my account. 
But I was surprised to the NTL recovery agency reported the same amount of {$1700.00} to my credit score.on XX/XX/XXXX. 
Also on XXXX XXXX I first called them they were trying to make some business by asking my credit card to set up payment. 
Cause my XXXX they were keep lying to me. 
So I went to web site find their email address I sent them an email including the letter from XXXX XXXX as an evidence of my payment And I told them that Im going to report them if they want to mess up with my life here. 
They texted me back by saying the amount was reported by XX/XX/XXXX from XXXX I explained them like I explained to you guys. 
She asked me the picture of the bill included the letter from XXXX XXXX. With my last four social numbers Until now nothing changed, they keep reporting the amount on credit report which infecting life here, I cant do anything else And I dont where else to go or report. 
Please do help me.
Product: Payday loan, title loan, or personal loan

Good day, I wanted to surprise my husband with a new aquarium at a total cost of {$360.00} on XX/XX/XXXX. I have been approved with XXXX XXXX XXXX XXXX for {$1700.00}. 

I was appalled at the interest rate. The APR rate on the {$360.00} was 188 %. After figuring the interest for one ( 1 ) year it came to a total of {$550.00}. I truly believe this company called XXXX XXXX XXXX needs to be investigated as they take people with good, bad, and those trying to establish credit to the cleaners. I do have decent credit. 

I did not sign any contract with them. 

The company is nothing more than legal loan sharks. I also believe they need to be put out of business due to the overly high interest rates. The interest rates this company charges is not in any competitive field with banks etc. 

From the reviews I have read on the Better Business Bureau website, they have no intentions on being honorable with their customers. 

The business address for XXXX XXXX XXXX is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My PHEAA loans are not on my credit report. I would like them on there
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 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 XXXX XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

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

American Express is the worst credit card company.They charged my credit card without my authorization. 
I have spent thousands of dollars in attorney fees and is telling me I 'm responsible for paying for it. Stay away from American Express. If they come near your wallet, throw your wallet away. If they call you hang up immediately. 
My experience with Amex is terrible. They keep sending the same questions to my attorney and is just the worst company to deal with. No resolution, just give you the run around. If you have an Amex account, discontinue using them. 
Stay away! Beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after April 20, 1983, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee. 
( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : JEFFERSON CAPITAL SYSTEM FOR {$3900.00} XXXX XXXX FOR {$540.00} XXXX XXXX  FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX  FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX/XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a XXXX and XXXX XXXX  ( XXXX ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/2019 for {$3900.00} ; one last reported XX/XX/2019 for {$26000.00} and one last reported XX/XX/2019 for {$270.00}. The others correctly reflect the XX/XX/XXXX. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/2019 for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XX/XX/3569, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this situation with Experian and each time they refuse to fix it. ( See attached document of refusals ). Now, because they have refused once they are claiming they do not have to even investigate because I already disputed it. This is truly an abuse of the law by Experian. 
Specifically my name is XXXX XXXX XXXX sometimes XXXX XXXX sometime XXXX  XXXX : My name is not " XXXX  XXXX '' I have never gone by that name yet Experian claims I have My name is not " XXXX XXXX '' I have never not used my last name ( XXXX ) yet Experian reports that I have. 
My mortgage balance is {$350000.00} not {$360000.00} as Experian reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all on the FTC Identity Theft report YET Experiain refuses to remove them or note that they have been reported to the FTC. 
I have never lived at XXXX. XXXX  XXXX WASHINGTON DC XXXX ( although it was undoubtedly used by the identity thief ) Likewise I have never lived at XXXX XXXX XXXX WASHINGTON DC XXXX Experian refuses to remove those addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to Equifax about the violation of my FCRA rights. All certified mail and one of them notarized. They have responded by email that they would investigated and would respond in thirty days. They have sent out the same letter asking me to identify myself. I have included in each letter my drivers license, Social Security, and a W2 form with my address and Identification as well as the previous letters I sent. They have been doing this stall tactic since XX/XX/2020. 

I have all receipts from the Post office from the returned receipts that were stamped or signed by someone from Equifax. They have not responded within the 30 day timeframe of investigating inaccuracies on my credit report. 

They have violated my FCRA rights and haven't conducted any investigation into the erroneous inaccuracies on my credit report.