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

I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright XXXX. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute these addresses that are not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

Date : XX/XX/2022 Amount : {$70000.00} TOTAL : {$73000.00} I am writing to express my dissatisfaction with the handling of debt collection by XXXX XXXX Department and Credit International Corporation. While I understand that it is their job to collect debts owed, I have several concerns regarding the way this matter has been handled. 

First and foremost, I believe that the debt being reported on my credit record is inaccurate. This debt belongs to the company XXXX XXXX XXXX and not to me personally. As an employee of the company, I should not be held responsible for the debts incurred by the business. It is my understanding that XXXX should be held responsible for the payment of this debt, as XXXX XXXX XXXX received payment from XXXX and released the order to the customer. As a customer, we relied on the XXXX XXXX XXXX to handle the payment process. XXXX is now attempting to collect the money back due to a loophole in their system, which is not our responsibility. 

Furthermore, I am concerned that XXXX practices in attempting to collect this debt have been unfair and unjust. I have received numerous phone calls and letters from XXXX regarding the debt, many of which were made outside of reasonable hours. Additionally, I have been subjected to threats and intimidating language by their representatives, which is unacceptable.
Product: Credit card

I have credit card with bank of America that had a high Balance ( aprox {$4800.00} on a {$5000.00} line ) I made a payment Of {$2500.00} to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Bank of America with no notice immediately Decreased my line to {$2300.00} after they received the {$2500.00} Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From a consumer stand point and this should not be allowed. 
If bank of America gave mea 90 day notice at lease I would Of know and the credit bureaus would of been able to factor True situation into their metrics! I think this should be Addressed across the industry not just bank of America As I am sure I am not the only victim of this. 

thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We paid off the  XXXX   XXXX  in  XXXX    XXXX  . We called in  XXXX  and were sent a letter on  XXXX / XXXX /  XXXX   that states " Chrysler Capital recognizes the above reference account as paid in full on  XXXX  ''. The letter asks us to wait 30 days. We are well past 30 days and still no title. We can not sell or trade the vehicle without a title.     We met our obligations and expect Chrysler Capital to send the title  ASAP P.S.    I am unable to upload the letter
Product: Checking or savings account

Capital One has been having issues with direct deposits starting Wednesday, XX/XX/year>. I normally receive my deposit on Thursday around XXXX cst. My husband normally gets his on Thursday around XXXX XXXX. Neither of us have received our deposits. Capital one stated they would have their technical issues resolved throughout the day ( XX/XX/year> ) and majority resolved by the next morning ( XX/XX/year> ). It is now XX/XX/year> at XXXX cst and neither of us have received our deposits. No other updates have been given from Capital One via email, phone call, or text. Ive had to get all my updated information from the social media account XXXX  or by XXXX  Capital One Technical Issue and reading off news articles. Please investigate this issue and see how things can be resolved. We were told by Capital One that they would pay reasonable amount for fees but I dont trust them on their word at this point. My livelihood is at a standstill and I have late fees incurring due to this major inconvenience.
Product: Debt collection

Beginning in XXXX or XX/XX/XXXX, I have received numerous phone calls from Portfolio Recovery Associates, alleging that I owe a debt of {$550.00} to them, which had been placed in their office by XXXX XXXX XXXX XXXX  XXXX XXXX. Ever since the first time they contacted me, I have disputed the amount owed. Every person I talk to provides a different explanation, and nobody seems to want to resolve the issue. 

This was a secured credit card, and the amount they are saying I owe does not have the security deposit applied to it. The security deposit that I paid to XXXX XXXX XXXX XXXX XXXX  when the account was opened in XXXX, was never applied to the account in any way, nor was it returned to me. 

I had successfully had this debt completely removed from my credit report, because the amount is incorrect, but somehow Portfolio Recovery Associates placed it back on my credit report. They refuse to see that the amount is incorrect, and nobody wants to help me. 
They have been given over a year and numerous opportunities to fix this. I am hoping that the CFPB can help me finally resolve this.
Product: Payday loan, title loan, or personal loan

As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX   and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.
Product: Debt collection

I recently examined my credit report and found accounts that appear to be added fraudulently. Please ensure these accounts are removed right away.
Product: Credit card or prepaid card

A fraudulent charge was made to my card in the amount of {$1300.00} on XX/XX/2021. Within minutes I notified the credit card company and began the dispute process within minutes of it showing up. My watch alerted me as soon as the fraudulent charge was made and I immediately disputed it via the mobile app. It originally appeared that they were reversing the charge. Then the charge reappeared XXXX weeks later. This time I called the credit card company and disputed it over the phone. When no changes were made to my account I called back a XXXX or XXXX days later. At this time a charge reversal was made as a courtesy. Less than XXXX months after the initial fraudulent charge was made the courtesy reversal charge was then reversed. I am have now had to pay the {$1300.00} and no progress has been made on this charge. They claim the new date for this to be resolved will be XX/XX/2021 which is nearly XXXX months after the first report of a fraudulent charge. How can they hold {$1300.00} XXXX when I immediately notified them that it was fraudulent???
Product: Credit card or prepaid card

I have hard inquiries on my credit report for cards I never attempted to open. When calling the companies they said that the credit applications were denied, however they arent removing the inquiries from my credit even though I never made an inquiry with any of the banks below- XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Citibank NA, XXXX XXXX Citi Cards/Citibank XXXXXXXX XXXX XXXX NONE of these are me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account XXXX XXXX ( XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, 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 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I received a letter in the mail on XX/XX/2022 made out to my maiden name ( I've been married for 11 years ). It was for a debt from XXXX for {$540.00}. This is not my debt, I do not owe anyone any money. The company is called American Coradius International LLC. If you look them up online you can see a long list of other people posting that this is a scam and that they were sent a fake debt bill about XXXX.
Product: Checking or savings account

So I opened my account, made a large deposit went to pay a bill and they had locked my account. So I went into the branch a couple of days later. Due to security reasons I need to verify who I was, which was fine, took them almost 2 and a 1/2 hours to get my account unlocked. So today I went to work, had my money in my account but I got a notification that my account was now in a XXXX balance when I should have had a little XXXX {$4000.00} still and now they have locked my account once again. And the branch in XXXX, in North Carolina is helping me as much as they can, but they can't understand why this keeps happening to my account. This really does need to be looked into and finding out why my account keeps getting blocked
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX & XX/XX/XXXX, I requested Experian to verify all accounts listed on my credit report to ensure their accuracy. I wanted to confirm that all reported accounts, balances, and statuses are up-to-date and correctly attributed to me. 

To address potential inaccuracies, I asked Experian to conduct a thorough review and provide documentation supporting the verification of each account. As of now, I am awaiting confirmation or further details regarding the verification process. 

I would appreciate timely updates and clear communication regarding the outcome of this review. Thank you for addressing this matter.
Product: Debt collection

I am making a second attempt to resolve this matter with American Express in regards to my consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Last year, I was having issues canceling subscriptions with 3 different companies : Amazon XXXX, XXXX and XXXX XXXX. These companies were making it impossible to cancel so as a last resort, I closed the checking account and linked debit card entirely and opened a new checking account and new debit card on XX/XX/2023. To my dismay and without my permission, Chase linked my new checking account to the old one and continued to allow those companies to debit my account on a monthly basis. Last week I spoke with Chase and filed disputes to get my money back and I was immediately told that my disputes would be rejected because I didn't cancel my subscriptions with those companies. I spoke to a supervisor in the claims department and tried explaining to her that I had completely closed the old checking account BECAUSE I couldn't cancel, but she very rudely hung up on me instead of listening and doing anything to help. Yesterday, I received a letter from Chase confirming that my claims had been denied. I find the fact that Chase has allowed any charges to go through a closed checking account very disturbing and represents severe derelict of duty. Chase is my financial institution and should be my advocate. But not only did they break the law by allowing transactions to go through a closed checking account, they wouldn't even give me a chance to explain and Iiterally hung up on me instead. Since then, Amazon did cancel my subscription and refund the money, but XXXX and XXXX XXXX will not. And just to add some insight, the FTC is currently suing Amazon for making it impossible to cancel XXXX subscriptions. So it's not like it should be a surprise that I couldn't cancel as well, nor should it be a surprise that other companies make it equally impossible to cancel. I did everything in power to make those charges stop and the only acceptable outcome would have been for Chase to decline any payments attempting to come out of the closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX Collections account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent.

My credit report also has in accurate reporting. All information reported should match up on all XXXX bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all 3 bureaus. 
There are many errors throughout my credit report. Please check for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a Credit Acceptance customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX Legal Counsel Regulatory Compliance '' Credit Acceptance has negatively affected my XXXX XXXX for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and XXXX. Credit Acceptance needs to update my credit report with XXXX, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I took out a personal loan in the amount of {$10000.00} with Lending Club to lower my interest rates and combine some credit cards into one monthly payment. I was approved for the loan amount of {$10000.00}, but they needed to keep {$600.00} for a loan origination fee and I agreed. But I asked if paid off the loan early would I get that {$600.00} back. I was told yes, but the amount would be pro-rated. A few days later, {$9400.00} appeared in my checking account. At the same time I applied for a personal loan from bank just to see what would happen. And low and behold I was approved for a {$10000.00} loan from my credit union and a much lower interest rate. I made arrangements with Lending Club to pay off my loan ASAP. On XX/XX/XXXX, my account was paid in full and I even paid some interest bringing my grand total paid to Lending Club {$10000.00}. I called the office and I was instructed that I would get my Loan Origination Fee refunded to me less the undisclosed pro-rated amount. The person I spoke with could not tell me how much I would get back but said it should be back in my account in a few days. Well much to my surprise, a week later, {$97.00} appeared on my checking account, apparently that was my refund from the Loan Origination fee. When I called and asked how this number was established the person on the phone said, " I will have to have someone call you back '' I never got a call so I emailed customer service and received the following response : " XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for contacting us. The methods we use to calculate refunds are proprietary information. Please let us know if you have any additional questions. You can reach us at XXXX or by calling us at XXXX Monday through Friday from XXXX XXXX. to XXXX XXXX., or Saturday from XXXX XXXX. to XXXX XXXX. Pacific Time.
Best regards, LendingClub Member Support '' Should n't they disclose how they are taking advantage of customer who chose to pay off a loan early? My loan was less than 30 days old and I lost {$560.00} to these crooks due to Proprietary Lending Techniques?
Product: Debt collection

I sent a certified letter on XX/XX/year> to validate the alleged debt and did not receive any communication back from the debt company. I am asking that this be removed from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

I have recently reported a claim on cash app And not too long ago I was sent a letter from cash app regarding a {$150.00} that was left in my other cash app account I called to claim it but I couldn't resolve the issue due to cash app service. 

I will like for this to be investigated and for my monies to be sent to me