23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

It has been a back-and-forth battle with the rude company, who falsified payments charged back my payments. I was making my payments every week on time and when I question why my balance wasnt going down suddenly they wanted to reverse my payments, then charge me. They had their towing company stock my house because I told them that I was going to sue them for wrongful damages Trespassing on my property falsifying documents. They illegally told my car with an involuntary repossession with all of my stuff in the car refused to give me the location to pick up my car or my personal belongings. They kept my tag. My credit cards were in the car. My drivers license was in the car my Social Security card was in the car, when I tried to contact them, they acted like they had no idea what was going on the one lady that I spoke to told me it was none of my XXXX business, and that she refused to speak to me because I had filed several complaints with the XXXX XXXX XXXX about this company They are the worst company ever and I demand an apology and a resolution. Ive got nothing but cursing and belittling, and the worst custom service I have ever ever experienced my life. Dont ever go with this company and if you are recommended to them, find another finance company, they dont care about your business!!
Product: Debt collection

The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 

I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. 
Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. 
Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. 
Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. 

I request an immediate and thorough investigation into this matter. I urge you to take corrective action by removing the inaccuracies from my credit report and ensuring that my credit history is accurately represented. 

Furthermore, I kindly request written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter within the stipulated time frame may compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to correct the late open accoount in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.
Product: Credit card or prepaid card

On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.
Product: Debt collection

Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX collection agencies, a XXXX XXXX XXXX, XXXX, as well as a McCarthy, Burgess & Wolff. 

This McCarthy, Burgess & Wolff is claiming that they are collecting a debt for this XXXX XXXX XXXX, XXXX, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company XXXX XXXX XXXX XXXX XXXX, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX  XXXX XXXX. 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point.

I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX  XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before XXXX XXXX XXXX XXXX passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XXXX of XXXX XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no knowledge of them, and the company acted without my consent.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX insurance is in jeopardy of being canceled, due to insufficient funds? in My M & T chk account, that not only has more than enough to pay the $ XXXX, but there is {$2500.00} in overdraft moneys available. 
My IRS refund, still has not been received going on 3 months now. Due to M & T not honoring it.The IRS sent me a letter saying they would have to send it in regular mail, via a check. Still can't figure out why the Bank XXXX Bank transfers were setup in my savings account instead of the more important checking act. No wonder the manager and I couldn't find the deposits, from my other bank. XXXX in XXXX XXXX XXXX M & T Bank XXXX XXXX where I posted the letter from the IRS XXXX
Product: Credit reporting or other personal consumer reports

company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year>XXXX  I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your reference.
Product: Mortgage

I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.
Product: Credit reporting or other personal consumer reports

My social security number was breached recently and there are things are my consumer report that need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/, 2018, I contacted Synchrony Bank ( XXXX XXXX XXXX ) to dispute a fraudulent charge on XX/XX/ 2018 of {$130.00} on my account. I was told that they would complete an investigation, share the results with me and resolve the issue. This has not been accomplished. As they have not removed the charge completely they continue to add late fees and interest on a balance I do not owe. In addition, they have erroneously and incorrectly reported negative information to the Credit Reporting Agencies. The has had an adverse effect on my otherwise impeccable credit history including that of many years with Synchrony Bank. I have a stack of documents, many of them contradictory at best. I was assured that they would correct this but as of this date, some 7 months later, it has not been done as promised. I have been in contact with XXXX  but have not received any type of documents indicating an investigation had been completed. I would request that my balance is corrected to the factual {$0.00}. In addition, I request that the false, negative information reported to the Credit Reporting Agencies be removed and my credit score returned to the perfect state it was in on XX/XX/ 2018.
Product: Debt collection

Since XX/XX/XXXX they are sending me letters that I owe them a money that was paid by the hospital. I sent them letters requesting that they give me proofs and nobody sent me proofs only a receipt that seems manipulated. 

I applied for financial assistance from the hospital and they covered the expenses, then these people began to charge me the amount of {$2600.00} and without giving me evidence where I said I should pay that.
Product: Debt collection

I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire time.
Product: Checking or savings account

Dir FDIC : I am writing to report a bank transfer case. 
I initiated a transfer {$20000.00} from XXXX XXXX ( routing number : XXXX, account number :?, phone : XXXX ), a division of Texas XXXXXXXX XXXX to XXXX XXXX XXXX bank ( routing number : XXXX, account number :?, XXXX ), a New York Community bank division, in XXXX XXXX XXXX XXXX XXXX  website, on XX/XX/2022. XXXX business days passed, I can not see the money in the both banks websites. I have contacted the both banks many times since XX/XX/2022. XX/XX/2022, I contacted the both banks again. The XXXX XXXX  said they sent the money on XX/XX/2022, XXXXXXXX XXXX XXXXXXXX bank should have received the transferred money ; howeverXXXX XXXX XXXX XXXX XXXX said they never received the transferred money today. The both banks told me to contact the other bank. Please investigate this case immediately. 
Thanks!
Product: Debt collection

The debt of {$1700.00} appears to be owed but it doesnt belong to me. Ive tried several times to settle this matter but nothing has happened. Ive contacted the debt caller but nothing was done. Its not my account.
Product: Checking or savings account

I continue to have issues with Ally. I wasted over an hour while an agent told me I needed to submit a change of name form. I hung up after never getting a full resolution. I called back the next day and was told something completely different by XXXX. Apparently Ally has my name entered incorrectly. This is my experience every time I reach out to Ally. I still have no reached a resolution and am unable to deposit the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection that is over 7 years from the date of last payment. I am not disputing the validity of this item and I plan to pay this back, but I will not make a payment until it is removed from my credit report because I do not want the clock reset on the date of last payment. ( Please see page 11 of the attached credit report. ) This is in reference to the XXXX XXXX  partial account number XXXX in the amount of {$11000.00}. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Experian Fraud Division On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Thank you for your prompt attention to this matter. 

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

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.
Product: Debt collection

I have XXXX accounts on all three credit bureau 's with NATIONAL CREDIT ADJUSTERS LLC which is not licensed or bonded to collect debt in the State of XXXX therefore I am disputing both collection accounts below for immediate removal from all XXXX bureaus. Attached you will find their expired license. 

XXXX XXXX
Product: Debt collection

I had already settled the Debt with XXXX XXXX, 2013 Authorization to XXXX XXXX XXXX, NY, Completed Details - {$250.00} XXXX Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XXXX XXXX, 2013 Authorized Amount : - {$250.00} XXXX Authorization Date : XXXX XXXX, 2013 Time : XXXX XXXX Status : Completed XXXX XXXX XXXX XXXX XXXX But PORTFOLIO RECOVERY SERVICES of XXXX XXXX XXXX. XXXX. VA XXXX Phn : XXXX XXXX XXXX XXXX XXXX is trying to collect the same debt again .... 
Says they bought it from company called XXXX
Product: Credit card or prepaid card

I made a purchase at XXXX and charged it to my XXXX credit card at Comenity bank. 

I tried to return most of my purchase ( brand new and unworn ), as it was no longer needed -- but could not as the physical store ( where I purchased the merchandise ) was closed due to COVID-19. I called XXXX and they sent me a RMA ( Return Merchandise Authorization ) along with a prepaid mailing label, and I shipped the merchandise back. 

I made a payment to my Comenity Bank card in the approximate amount of the merchandise that I kept, while awaiting a credit to my account for the returned items. 

After nearly 10 weeks and six phone calls, I FINALLY got the credit to my account, but Comenity charged finance charges on the unpaid balance and refuses to remove them. 

I fail to understand why they feel entitled to finance charges for merchandise that I returned. It is not my fault that their stores and warehouse are closed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Debt collection

Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only SSD which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's 300 or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
Product: Prepaid card

Have not been able to access my funds for 13 days. I call the XXXX number and they continue to hang up on me.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given consent toward. I am frustrated and my consumer rights are being violated. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediatelyXXXX 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 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 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 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 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
Product: Checking or savings account

I received a letter on XX/XX/23 that PNC Bank will be closing my account on XX/XX/23. I attempted to call them to solve the problem that led them to wanting to close my account. They will not give me any reason at all as to why theyre closing my account. I have already filed my taxes and my tax return is coming into that account and I cant change it and they will not keep the account open until my tax return comes in. I have no idea what I did to cause them to close the account and I have had this bank account for almost 6 years and have never had a problem before.