23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am the duly and legally appointed Executor and Personal Representative of my late father 's estate. He died in XXXX and even prior to his passing, his surviving spouse ( not my mother ) and her children stole all loan documents and evidence belonging to him, even if the spouse had an equal right. As a result, after his passing, I served a subpoena on the lender ( or servicer, not sure who they are ) to get all loan documents from inception of the loan in XXXX to the present. 

The Lender ( or servicer ), " Nationstar Mortgage dba Champion Mortgage '', failed and refused to ever turn over any loan balance, statements, etc., whatsoever, even after I contacted HUD about them. Their arrogance is beyond belief. To this day, they fail and refuse to do so, hired lawyers to block my father 's probate administration in collusion with a lawyer working for the surviving spouse, and as Executor and thus legal owner of the property I still do not know the true owner or the alleged amount of indebtedness on the property. It is located in XXXX XXXX and the estimated current worth of the property is $ XXXX. This is causing serious harm and damage to the estate, because this loan should have been accelerated, by its own terms, when my father died and the property should have been sold. This lender ( or servicer ) breached its own contract and has allowed the surviving spouse to remain there, continuing to run up reverse mortgage fees for over six years, without ever providing us with any loan information whatsoever. As Executor, I filed a partition action in XXXX and they fought me in court, all to keep running up costs on the property and harm the Estate.
Product: Checking or savings account

In XXXX I opened an account with Chime banking institution for the direct depositing of my XXXX benefits from the Georgia Department of Labor as advertised. After two or more deposits over time, my account frozen then later closed with no notice or explanation as to why. The funds on the account for were never returned or refunded. For the last four years I remained in contact to inquire and receive my funds. I was given several different reasons for the closure over time that do not align with any activity on my account. Information appeared to inconsistent between departments and the only response I received were vague automated emails that only stated I was not eligible for refund. I believe this to be fraudulent, because I am the only individual authorized to receive these payments from Georgia state. Yesterday on Tuesday, XX/XX/XXXX was the last day I will be my last attempt to resolve this issue with this company. I have place an inquiry with Georgia DOL and will be also reporting UI fraud for stolen benefits. I have experienced financial hardship and homelessness, due to this situation during the pandemic.The reason for the length of time before following up with this matter is now I have financial means to pursue this matter civilly and/or legally.I have provided verification of my identity on numerous occasions to this corporation to no avail.
Product: Debt collection

Re : Account XXXX XXXX Dear World Finance I am writing in regard to the above-referenced account, which you have written off and reported as a charged-off account. However, I have noticed that there is still an outstanding balance being reported or pursued for collection. 

As per federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), once a debt is charged off or written off, it typically signifies that the creditor has determined the debt to be uncollectible for tax purposes. If the debt has been forgiven or cancelled, IRS regulations require creditors to report any forgiven amount exceeding {$600.00} on a XXXX form as cancelled debt, indicating that the debt is no longer owed. 

Moreover, if the creditor or collection agency is attempting to collect this debt despite it being legally written off or forgiven, this XXXX constitute a violation of federal laws. I respectfully request that you cease any collection efforts related to this account and update any credit reporting to reflect a XXXX balance. Kindly provide written confirmation that the debt has been fully forgiven and that no further action will be taken. 

If you believe this account has not been written off or forgiven, please provide me with detailed evidence, including any payment history, the current amount owed, and your legal basis for continuing to pursue collection on this account. Under the FDCPA, you are required to provide such verification upon request. 

Please consider this letter a formal request under the FDCPA to validate the debt and update any inaccurate information with the credit reporting agencies. 

I appreciate your prompt attention to this matter and expect a written response within XXXX  days of receiving this letter. 

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

Back in XXXX, I sent a letter to XXXX and Trans Union ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
Product: Credit card

XX/XX/XXXX my payment was {$170.00} so for XXXX it change to {$230.00}. I called customer service XX/XX/XXXX and asked how com it jumped up and he said the was a letter sent to me but I never received it. He couldnt understand English so it was hard for him to understand what I was asking. Also I payed the payment for this month and they took all of it and none was put on the card. XXXX payment is {$290.00} another big jump in over the last past 5 months. I cant afford this minimum payments theyre asking for and leaving nothing on the card after I make a payment. Please help to solve this problem because at this point Im feeling like that are doing this to me because of my XXXX. I have been with them over a year and been asking for increases credit and keep getting denied. Thank you for your time and hope to get help soon!
Product: Checking or savings account

Again, WellsFargo has falsified pending transactions and available funds. They have failed to show pending transactions when they were initially made and rearranged charges in order to increase the overdraft fees. Apparently they have learned NOTHING from the previous class action suit. Transactions from XX/XX/XXXX-XX/XX/XXXX did not appear until XX/XX/XXXX-XX/XX/XXXX. A single transaction from XX/XX/XXXX didn't show up until XX/XX/XXXX and it was never shown as pending.
Product: Credit reporting or other personal consumer reports

I got an alert that my credit score went down upon checking I found XXXX fraudulent accounts on my report I immediately filed a police report for identity theft the fraudulent reports are XXXX XXXX XXXX for the amount of XXXX dollors and XXXX XXXX XXXX XXXX for the amount of XXXX I have no knowledge of any of these accounts
Product: Credit card or prepaid card

On Friday XX/XX/2021 I attempted to call JC Penney/Synchrony Bank about settling the amount on my account and closing it. It is recorded on my credit report. I was transferred to a different department which had a pre-recorded message stating it was outside of business hours but did not state what those business hours were. I called back the number I was given to directly reach this department and I still received an automated message on Saturday. On Saturday afternoon, I was LIED to that this Department was still accepting calls and was not told it had entered an upgrade status. They placed me on hold and disconnected my call. I attempted to call again on Sunday, with no success. On Monday XX/XX/XXXX, I spent hours trying to talk to someone about my account. They gave me the run around and I was able to reach someone after begging to speak to someone anyone about my account. The system is down for 3 more days until XX/XX/XXXX. As a financial institution, I am owed a fiduciary duty as a customer attempting to settle debt. I spoke to a manager who clearly stated that it was a tough decision to bring the server down and admitted the system had been down since over the weekend, which was not disclosed during the many calls during the weekend or on Friday. The manager first stated they were not open during the weekend, so I apparently have to make hour long calls during two days of which their system is fixed. This is unacceptable, especially as a financial institution, unable to manage accounts during regular business hours, intentionally deceived, and not one person able to speak with me about my account. A normal financial institution should post hours they are not in operation. This was not posted on any of the websites, let alone the representatives having no knowledge the system is down. Im sure they are collecting interest on amounts due even though they have no one to manage accounts or even talk to customers. 

When I called while the update was completed, they still indicated they can not access my account due to technical difficulties. They are still collecting interest on amounts due and are reporting these activities on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. Experian should be receiving the same instructions to delete. However they just keep reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX
Product: Debt collection

The following company Bounce AI is currently on my XXXX credit report with a balance of {$3200.00} original company XXXX XXXX XXXX As I have stated to the original company XXXX  I am not responsible for this debt. I have file FTC theft report and police report sent to credit reporting agencies and XXXX in the past.I have not receive a response from XXXX. The information they have on file for my identity does not represent me such as address, phone, email etc. The attempt to collect this debt and placing there name on my XXXX credit report is a violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If this matter persist I will have know choice but to pursue legal action under federal law.
Product: Credit reporting or other personal consumer reports

I sent the dispute letters to TransUnion, XXXX and XXXX. Both TransUnion XXXX claim that I am not the person disputing inquiries, both soft and hard on my credit report and I called both company to verify my self won't remove it.
Product: Credit card

On XX/XX/XXXX, I called the Chase credit card department ( XXXX ) and asked this question : " how can I tell when an online payment from a bank has been processed, settled, and there is no chance for a return, cancellation, or stop payment on the transaction? '' I was told that the process normally completed within XXXX or XXXX days, and I could tell when the status changed from " pending '' to " completed '' and my credit card balance reflected the payment. Based on this understanding, I made purchases for a company who provided me their XXXX checking account number and routing number. After seeing the payments go to a " completed '' status, I provided the company the goods made from my purchase using my personal credit card. Now all of the payments made over a XXXX week period are being returned. The company will not take my phone calls or return my emails, and Chase expects me to pay the debt with my funds. I believe Chase gave me incorrect information ( verbally and from their website ) and bears responsibility for this fraudulent scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions.
Product: Checking or savings account

When I receive a refund it takes a few days to post to my account.
Product: Debt collection

I went to the hospital XX/XX/XXXX and received a bill from the hospital mid XX/XX/XXXX. XX/XX/XXXX I received a letter from Wakefield & Associates ( aka XXXX XXXX XXXX  ) saying that I owe {$420.00} plus {$130.00} in interest charges. I called them to ask what it was about, I was told to submit my insurance information, which I did- and I submitted written request for an itemized bill. I never received the itemized bill, but received another letter from them XX/XX/XXXX that I had 7 days to pay the full amount or it would be submitted to the credit bureau and legal action would be pursued. I again asked for an itemized bill- and was told to submit written request. I said I had already and received nothing. I asked for information on who sent the account to collections, who the doctor was, what the charges were for, and they refused to give any information. However they wanted to know personal information about me- where I lived, where I worked, where my parents lived, contact information, etc. told them this was none of their business, and I wasnt paying them a dime until I saw an itemized bill. I even submitted receipts from that date of service with the bills I had received and they continue to argue that I owe money. I even called my insurance company and the hospital, and no one can find any bills paid or outstanding for that amount from that date of service. All that comes up is what I already paid. These people are rude, dishonest, con artists and they need to be shut down. I will continue to fight this and put an end to their harassment.
Product: Credit card

This complaint is for the Citi Costco Anywhere Visa card which posted a false advising that it is accepted everywhere else Visa is accepted. 

The following is disclaimer from the Citi Anywhere Visa card web site : " The NEW Costco Anywhere Visa Card by Citi is the Costco credit card that rewards your purchases at Costco and everywhere else Visa is accepted. " Actually I was rejected by the XXXX restaurant few days ago when I tried to use the Citi Costco Anywhere Visa card to charge the fried chicken meal. They told me that they accept Visa card but just not Visa card issued by CITI.
Product: Credit card or prepaid card

I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. 

I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. 

Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. 

I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. 

I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.
Product: Credit reporting or other personal consumer reports

Bank of America is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/year>, Bank of America are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on Bank of America 's side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system. 
Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.
Product: Debt collection

My credit score has jumped up XXXX points putting my credit report XXXX XXXXXXXX they dropped it down to XXXX, this is fraudulent because XXXX never contacted me to confirm that the debt was mine. I have never heard of the company, never had a contract with the company and I need these derogatory statements off of my credit. this is using XXXX of law to discriminate against consumers. Also the name that the debt collectors is using is copywritten and they are violating copyright infringement law.
Product: Student loan

I received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan.
Product: Credit reporting or other personal consumer reports

Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports