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

I am writing about a problem that I have had with getting Citibank to pay out a refund of {$2300.00} for a fraudulent charge made on my elderly mother 's credit card back on XX/XX/2022. Note that I have power of attorney for my mother 's account. Citibank has agreed that the charge was fraudulent and to pay the refund. However, they have stil not paid the refund as of XX/XX/XXXX. Each time I call them, they have indicated they have closed the issue, but, when questioned, agree that they have not paid the refund and reopen the issue, only to close it again without paying. The frustration is compounded by the fact that the fraudulent charge was allowed by Citibank despite the account already having been locked due to prior fraudulent charges that we noticed. This appears to be an error with Citibank 's fraud handling system. The system is designed so that recurring charges ( e.g. monthly membership fees ) can still be posted by vendors even if the account is locked, but the system makes mistakes and sometimes allows repeat fraudulent charges to be posted even if the account was locked from a prior report of fraudluent use of the credit card.
Product: Checking or savings account

XX/XX/year>, I tried to access my account and I was able to log in but all 3 of my accounts were blocked and I have no access to my funds. This includes 2 checking and 1 savings account with Citibank NA. I tried calling customer service but they were unable to tell me why or help. They referred me to another department that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to Nissan multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Product: Vehicle loan or lease

I received a vehicle loan for a XXXX XXXX XXXX from NC State employees credit Union in XX/XX/XXXX. After receiving the loan ( and vehicle ) the bank had issues with sending the title to the DMV. They told me it was lost in XX/XX/XXXX so I was never able to register the car. The original seller notified me that the bank did not send the title to the DMV but instead returned it to the seller. The DMV has returned payments to me for highway use and also the title application, which are proof they never received the documents from the bank. When I spoke with the bank they advised they wont do anything since I agreed to the loan. At this point I do not have the vehicle since the original seller was able to come with the police and retain possession as it is still in their name. I have paid over {$1000.00} towards the loan for this vehicle and I am still responsible for a remaining amount over {$10000.00}. I believe NC SECU should cancel the loan and return my loan payments as their negligence with the documentation has led to me not having the vehicle.
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting, and this is another request to remove the items from my credit file resulting from these unauthorized inquiries. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you must remove these items no later than 4 business days after XX/XX/XXXX. I have included this report in my previous complaint and am including it again. Additionally, the information you provided on these items is unknown to me and has been deleted from other bureaus, which leads me to question their accuracy : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX. This communication serves as your final warning. If you do not remove the listed items from my report, I will initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. Please remove the items resulting from unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone equifax breach has cost me my life
Product: Debt collection

I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Mortgage

Refinanced Loan with The Money Source, Loan XXXX. 
First Payment Sent XXXX, {$1500.00}. 
Payment Deposited XXXX Loan was sold to XXXX loan # XXXX, letter stated this payment would be transferred to XXXX by XX/XX/20. Payment Due XX/XX/20 As of today,XX/XX/20, XXXX has not received the payment.
Product: Debt collection

Hello, RMS-Recovery Management Services is a third party collection agency retained by XXXX XXXXXXXX University to collect the consumers outstanding debt. RMS-Recovery Management Services did not purchase this debt from XXXX XXXX University . RMS-Recovery Management Services provided the consumer with an itemized statement of charges, per the consumers request, on XX/XX/2022. I have attached the itemized statement of charges as well. RMS-Recovery Management Services will not make any attempt to contact the consumer. If the consumer has any additional questions, feel free to contact me directly at XXXX. XXXX XXXX Again this is an alleged debt so please provide me with the proof I owed RMS any alleged debt please show me where I have had an account with RMS, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if RMS is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. 

I also request the following documentations listed bellow to be certified and sent with your response. 

Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.

Notice To Agent notice to principal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.
Product: Student loan

I have tried to set up a repayment plan via the MoHela website since XX/XX/XXXX, but the website would not work or I was unable to submit my application for repayment online. I also began trying to submit a request for the Fresh Start Initiative XXXX XXXXXX/XX/XXXX, but 2 of the 3 options ( online at the my ed debt website and calling the number on the website at least 7 times on XXXX XXXX XXXX XXXX XXXX XXXX were unsuccessful. The website would not load on my laptop, XXXX, or work computer. When I called the number, the automation told me no one was available to take my call at this time every time I called. I called within normal business hours.
Product: Debt collection

I have an open collection account on my credit report for a XXXX account that I have never been past due on and is still open and active. I contacted XXXX several times to confirm this and offered additional payment. I have not received an invoice or any itemized list of what this amount includes after submitting a dispute. I tried contacting the collection agency, Credit Management, to pay this balance so that this can be removed from my credit report as it is negatively impacting my ability to rent an apartment. They refuse to accept payment or do anything with this account so I'm not sure why this is being reported, what it is being reported for, and who I need to pay to settle the account and have this debt removed from my credit report so that I can participate in society by renting an apartment instead of living in my car.
Product: Mortgage

Novad Management Consulting has not responded to me or my realtor for a payoff amount ; there has been offers for my property since XXXX, 2021 ; The balance now owed is {$90000.00} and I moved in XXXX, 2021 and I am still paying utilities which I can't afford ; I have moved to senior apartment ; My realtor had offers for my property but they have not responded to her and I have also written a letter no response ; I notice that this company has over nine hundred complaints ; I want to really sell my home but they won't respond just keep sending the monthly statements and the amount is getting and higher ; PLEASE HELP ME!!!! Tell them to respond!!!!
Product: Debt collection

My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.
Product: Debt collection

I was sent to the emergency room sometime last year and received treatment at XXXX XXXX and XXXX center. My health insurance XXXX  covered my medical treatment expenses while I was there, however I ended up seeing on my credit report that I supposedly owed a debt to XXXX XXXX XXXX XXXX XXXX XXXX  which was opened without my knowledge on XX/XX/2021. It appears that ACCOUNT RESOLUTION SERVICE is the company that is now alleging that I owe this debt to them which was already paid for by my health insurance company.
Product: Credit reporting or other personal consumer reports

This letter is a formal request to delete the Inquiries listed below from my XXXX credit report. To my knowledge, I have not signed any documentations authorizing the companies listed to view my XXXX credit history. With that being said the Inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction not initiated by Consumer and need to be removed immediately. 
XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX/XXXX  XX/XX/XXXX XXXX ) XXXX  XXXX  XX/XX/XXXX XXXX ) XXXX  XXXX  XX/XX/XXXX When the inaccurate information has been removed. I would like a copy of my updated XXXX credit report mailed to me. 

XXXX XXXX Thank you
Product: Checking or savings account

After I notice my account was charge a wrong amount. I contacted the fraud number write away to let them know. I was told that a affidavit will be sent to my house. Fill it out and send it back as soon I can. I never gotten it and the XXXX was taken out again after a temp credit. No advance notice and no affidavit was ever receive. I did call to asked for another one sent out. Again never got one. I the file a complaint and with so many word. I was told now its because its past 60 and they are within the federal law and banking guide line. So as a bank member I did what I was so posed to do. The executive representative told me over the phone in the branch office of PNC. It was not going to be refunded .I believe it to be wrong and fraud on the behalf of big lot and PNC XXXX 
I even offer a copy of the recipe to the bank. At first they said they cant read it. Then it didn't matter. 
Thank you for your help in this matter My phone do not work write now
Product: Checking or savings account

USAA has put the status of an account into 'credit only ', and will close the account at some point in the near future citing that they detected business activity on the account. While I do have a farm, and the appropriate EIN numbers and corresponding operating business accounts from which the business aspects of the farm operate, my children also personally own horses and those horses are under paid for through my personal expenses. There have been no business expenses through tis account, it is the account that every single personal bill for the entire farm/household are paid through this account. Additionally, the monies in this account are all the proceeds from a life insurance policy, and the account in question receives the Social Security Survivor Benefits for my youngest child. Looking back at the account for XXXX months there are ZERO business expenses, and there is no recourse through USAA. Most problematically, I have no access with no warning to the funds in this account, and the representative from USAA was unable to advise what happens to the outstanding payments scheduled through their bill pay system, outstanding checks, and certainly no regard for the fact that the direct deposit took almost a month to set up, requiring a daily phone call for every business day of an entire month, and a month to set it up. Not sure what their criteria is for business activity, but they have no sense of a farm as a business, this account is not used for business, and closing it will require paying fees to USAA and reordering checks on a new account that would operate exactly the same way because it is a household personal account. Would be very happy to go item by item on the expenditures of this account, but would like to have the check order for this account refunded and to be on record that this is a personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Financial Systems FAILED to respond to my request for VALIDATION of an alleged debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Commonwealth Financial Systems received my VALIDATION request 31 days ago on XX/XX/2018. I have not received the documentation that I requested. By law since this alleged debt has not been properly VALIDATED it must be DELETED IMMEDIATELY. On XX/XX/2018 Commonwealth Financial Systems stated that their tradeline and alleged debt in the amount of {$160.00} would be DELETED with XXXX, XXXX, and XXXX in response to a complaint with the XXXX. As of today XX/XX/2018 Commonwealth Financial Systems is still showing up with the credit reporting agencies XXXX, XXXX, and XXXX against my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I received an email from XXXX XXXX identifying himself as a debt collector stating that he was collecting on behalf of LVNV Funding LLC from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of XXXX XXXX XXXX # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an XXXX After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, XXXX XXXX also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

NAVY FCU I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.