23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00}
Product: Prepaid card

I received an AMEX gift card as a gift. I can not use my American Express gift card anywhere, it is declined by any website or company
Product: Payday loan, title loan, or personal loan

AGAIN NAVY FEDERAL CREDIT UNION has denied me for an emergency medical loan for {$2000.00}. Even though the last payments on my credit report are old ones, my credit score went up XXXX points. I am sick and tired of filing complaints against NFCU. As a veteran with over 35 years membership, I thought I could count on them. They have over {$4900.00} directly deposited every month. Yes, Im behind thats why I want to consolidate or get a loan so that I can have one bill ( the repayment of the loan ). I am very upset as I trusted NFCU to take care of their own. But it seems people who have money and people who lie can get money, but honest service connected veterans like myself catch XXXX trying to catch up which in turn affects our mental health. All I wanted was to catch up on my bills, thats it. I want this published because I hear a lot of complaints from veterans but I want others to see its ok to publish. It wont hurt. Thank you, XXXX XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I can not find any exact choice that matches the issue I am having with this leaseholder. My leased car, a XXXX XXXX XXXXXXXX was involved in a hit and run incident last month, in XXXX while parked in front of my home. It was fully insured as is required for a lease. Ideally, I should have had no issue with my insurance company and my claim but that is not the case. To my utter shock and disbelief my long time insurance company is denying my claim for damages which are considerable. of course I am in the midst of XXXX  this but it is extremely difficult and it is possible that their decision will be upheld. It was my first time leasing a car. I was panicked and didn't know what to do. I reached out to Kia Finance at least three times and to the dealership. They want nothing to do with the situation. There is no support, no guidance of any kind yet I am expected to continue making my payments. I am paying for a rental car out of pocket as well as I did not have this type of coverage on my policy. There is absolutely nothing KIA finance or the dealership is offering to do for me. No loaner car, no rental reimbursement, yet I have to still make payments? How is this fair? I don't even own this car. It is not my fault that my insurance company is denying the claim. It is of course, something I am battling vehemently with them but I could very well lose. Then what? I owe Kia a car? Shouldn't KIA do something to help a customer fight this? They have no legal team that can advise or assist? They have an interest in this. This is their car. I don't ' own it. How is it fair that this is all on me? I am leasing it and making all my payments on time. In any other circumstance, I am in such good standing I should be and was already being approached on an early lease renewal which I was considering. How can this even happen? They have no responsibility at all in this? I did my part. I pay my lease monthly. I was insured for full coverage. I did everything I was supposed to do.
Product: Debt collection

I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.
Product: Credit reporting or other personal consumer reports

I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.
Product: Debt collection

I have sent this company cease and desist this company has refused adhered to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when is listed that this company is not legally bonded and or insured to collect in the state of New York please have this company seize all collection activities this is my last attempt to complain outside of court
Product: Debt collection

I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.
Product: Credit reporting or other personal consumer reports

I never inquired or gave any authorization to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has access to my personal information and is using it to open up credit card accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.
Product: Credit reporting

I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that
Product: Debt collection

I am writing to dispute a charge that XXXX XXXX has placed on my credit report. I sold my property on XX/XX/year>. However, XXXX XXXX is holding me liable for home insurance premiums after this date, which I did not incur. 

This is an error, and I find it unacceptable to be charged for coverage that I did not request or use. I kindly ask that this issue be investigated and rectified immediately, as it adversely affects my credit.
Product: Debt collection

XXXX XXXX XXXX {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so, they did not follow the XXXX step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to XXXX5 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : XXXX, XXXX AND EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX  in amount of {$570.00}. This appears to be a duplicate that XXXX XXXX XXXX and XXXX XXXXXXXX XXXX is also attempting to collect on behalf of XXXX.
Product: Debt collection

National credit system at XXXX. XXXX XXXXXXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$620.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

There are several Credit card accounts and one person loan account that exist on my credit report that I didn't open, nor do I have knowledge of. This is obvious Identity Theft. I have contacted XXXX by mail, online, and over the phone to try and resolve this Identity theft, several different times over the course of one year and a half. I DID NOT OPEN THESE ACCOUNTS, NOR DO I HAVE KNOWLEDGE AS TO WHO DID. I have attached my Federal Trade Commission Affidavit, as well as a Police report from my local police station, along with the detectives information thats handling the case. I have also contacted the FBI and filled out a report, along with contacting Home Land Security. I sent copies to the Attorney General of my state which is North Carolina.
Product: Debt collection

I have no idea who LVNV funding is, I had something appear on all three of my credit reports a few months ago that was taken off, I have since disputed this new debt collector with XXXX and they have left it on there, I do not know what this is for, I have never received a statement of original debt or any other documentation stating that I owe this money,
Product: Checking or savings account

I have an account with Chime. On XX/XX/XXXX my check was deposited into my account and cleared at XXXX XXXX. Upon leaving work at XXXX and stopping at the store I checked my account and all my money was completely gone. In checked my email address.assocjated with that account to see if any alerts came over and was unable to access that email. I called chime to file a dispute as there were 6 transfers using the pay anyone to another chime account in various amounts. 4 hrs after the initial dispute they denied my claim saying no error occurred. I also XXXX XXXX and appealed the ruling. Again they have notified me that I am at fault. For.one I do not know the person. Chime never notified me.of these multiple transactions and it was my whole check. Chime is not helping in anyway to get my money back and this money was transferred without my authorization. Please help me as I'm struggling to pay my bills because of this and I work hard for my money for this to to happen and chine not want.to help their loyal customers. I sent them.proof as.i was working from XXXX to XXXX XXXX and I can not leave my job or use my cell phone while at work. I never received my notifications and I also showed them.that I use the pay anyone for.one.person and that I my boyfriend in order to send him money flr.our daughters support. They are of no help and it seems like hey are allowing people to do this to other people with no consequence. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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: Student loan

I had my student loans forgiven under the PSLF program. I have been working for XXXX XXXX XXXX since XX/XX/XXXX to current. While my loans have been forgiven, I will owed for my over payment from XXXX to XXXX. I am estimating that I am owed about {$18000.00}. Mohela will not talk to me and keep stating that I am not owed any overpayment. I have spoke to the Dept of Education and they agree that Mohela owes me money for my overpayment. Please help me get my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Debt collection

a debt collection company contacted me by email and I observe it on my credit files. I did contact LVNV by certified mail and contacted the credit bureaus and ask for it to be deleted from my credit these fraudulent charges are not mine.
Product: Debt collection

On XX/XX/XXXX I sold a pick up truck ( XXXX XXXX XXXX Vin # XXXX ) to Mrs. XXXX XXXX XXXX XXXX  XXXX for {$4500.00}. Have all the sale documentation ( Title- release of liability, CA DMV  Notice of transfer, CA DMV  release of liability, copy of her XXXX XXXX /XXXX  ID ). 
On XX/XX/XXXX I received a " Notice of pending Lien Sale '' for vehicles under {$4000.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I contacted the Towing company a few days after to clarify this situation to what they mentioned that if I had all the paperwork on hand I wasn't going to be liable for any further issues. 
Now this past Tuesday ( XX/XX/XXXX ) I'm being notified that my " account '' has been sent to collections. 
I tried to reach out to CONRAD Credit Corporation in XXXX to fix this but nobody is answering my calls and their web site doesn't really provide any options to dispute this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681a2 I didn't give written permission to have these accounts furnished upon my report. the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

I submitted an online payment ( donation ) which generates a paper check that Wells Fargo directly mailed to my church ( The XXXX at XXXX ) on XX/XX/XXXX in the amount of {$1000.00}. Unfortunately the church mailbox was broken into and several checks were stolen. My check was cashed WITHOUT endorsement by someone other than the intended recipient. As it was a donation ( not payment for an outstanding bill ), it took several weeks for the issue to be discovered. Once it was a police report was created and I contact Wells Fargo to resolve. 
Here is a timeline of my conversation with the bank. 
XX/XX/XXXX - called Wells Fargo to alert them of the issue, they opened an Online XXXX XXXX Claim ( incorrectly ) XX/XX/XXXX - I was notified that Online XXXX XXXX Claim was denied as payment was delivered to XXXXXXXX XXXX XXXXXXXX. I explained that delivery was never the issue, it is that the check was fraudulently cashed and I was informed that a Forged Endorsement Claim was what they should've opened originally. She opened this Claim. 
XX/XX/XXXX - called for an update on the case and was informed a notarized affidavit was needed XX/XX/XXXX - my pastor and I went into local Wells Fargo Branch, filled out the affidavit, got it notarized and faxed it to corporate Wells Fargo. 
XX/XX/XXXX - Called Wells Fargo for an update. They confirmed they received the affidavit and it would take 5-7 business days for a response. 
XX/XX/XXXX - Well past the 5-7 business days and no update. Called again and was now told they contacted the bank who allowed the check to be cashed without endorsement by someone other than the payee ( XXXX XXXX XXXX  ), but they have 90 days to respond which would be mid XXXX, but if fraud was found then they would credit back to my account. 
XX/XX/XXXX - Still no response from Wells Fargo so I called again. Was now notified that it can take 90 BUSINESS days for XXXX XXXX to response, so it would be several more weeks before I get a response. I filed a complaint with their Executive Office at the length of time it was taking on this claim.

XX/XX/XXXX - Received letter back from the Executive Office notifying me the timeframe was within reason and they closed my Executive Office Claim. I would be notified within 90 business days on the Fraudulent Endorsement Claim. 
XX/XX/XXXX - I received a letter in the mail ( dated XX/XX/XXXX ) notifying me that they attempted to contact the negotiating bank XX/XX/XXXX and again XX/XX/XXXX and have not heard back from them. For this reason they closed my Fraud Endorsement Claim and would only reopen if the negotiating bank contacts them.
Product: Mortgage

Roundpoint Mortgage staff made a mistake to my mortgage for a year. They purchased two home insurance policies for me. One was from XXXX XXXX XXXX represented by XXXX XXXX ; the other one was from XXXX represented by XXXX under XXXX who reached out to me through Roundpoint. 

I had home insurance with XXXX XXXX during the period of XXXX. On XX/XX/XXXX, after reviewing the XXXX insurance policy emailed to me by Roundpoint & XXXX, I replied that Ill renew my home insurance with XXXX. ( Please see the 1st attached PDF file of this email tread ) I also called the office of XXXX XXXX to cancel my policy with XXXX XXXX. They asked me to send a written statement by email. So I did. On XX/XX/2021, I submitted a written cancellation request when the new XXXX XXXX XXXX XXXX reached out to me. I didnt answer all the sales questions and traps because that was what they had been doing to me already for a few weeks. ( Please see the 2nd attached PDF file of this email thread ). It was clear that my written request was received by the Client Manager at XXXX XXXX. 

However, after I submitted my requests for cancelation, on XX/XX/2021, Massachusetts Property still sent out a bill of {$1900.00} to Roundpoint for the coming term of XXXX. To make the situation even worse, Roundpoint paid this bill without sending me any notice. A few days later, on XX/XX/2021, Roundpoint purchased another insurance for me from XXXX and noticed that I had new home insurance with XXXX. From then on, all I could see was that I only had one insurance company with XXXX. However, I noticed the increased monthly payments and finally found out I had two insurance policies. Unfortunately, this mistake had been with my mortgage for a year. 

Regardless of all the stresses and worries, I hereby request the return of {$1900.00} to me. I would be very appreciative for all the help from your customer service professionals. Thank you!
Product: Student loan

XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.
Product: Checking or savings account

Reported as shown on transaction statement on XXXX XX/XX/year> transferring {$240.00} from Sofi to XXXX XXXX XXXX Account. Funds never received in XXXX XXXX but taken out from Sofi checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a washing machine from XXXX XXXX during the summer of XXXX. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to XXXX XXXX. Rather than credit my account for the returned appliance, XXXX XXXX decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Debt collection

I received a letter on XX/XX/XXXX from Diaz & Associates stating I owe a XXXX XXXX XXXX an amount of XXXX but were willing to settle the account for XXXX and that I should submit the payment no later than XX/XX/XXXX. Ive never heard of no XXXX XXXX XXXX and every time I try to contact that Diaz & Associates it tells me they are not available at the time. Im on top of my credit and I have not defaulted in any payments but today I checked my credit and this company had the audacity to file a collection on XX/XX/XXXX and I received this letter after XX/XX/XXXX.