23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with XXXX XXXX. After the account was cancelled, the company did not take their garbage cans. I called one time and spoke to a rep that informed me that I had a balance of ~ {$10.00}. I paid the amount and never heard from XXXX XXXX again. Months later I started receiving letters from collection agencies. When I received the first letter that stated I owed {$110.00}, I called XXXX XXXX. They said I owed for keeping their cans. I scheduled their can pick up for XX/XX/XXXX. I have a letter sent to the XXXX from XXXX XXXX stating that they removed the {$110.00} from my account on XX/XX/XXXX and notified the collection agency. Problem is that in XX/XX/XXXX, I am still receiving regular letters from AmerAssist and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have sent notification to both that I have zero owed to XXXX XXXX, but the letters keep coming. It bothers me that XXXX XXXX did not contact me to retrieve their cans before sending this to collections and starting this never ending letter sending campaign. I'm sensing that AmerAssist is a sister company to XXXX XXXX and that this feels fraudulent in practice instead of negligent because I have communicated in writing that I don't owe XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Product: Credit card

Hello, I'm complaining about my Costco Citi Card. They have closed my account citing missed payment reasons. I have never missed a payment for this card. As of XX/XX/2023 I have accumulated cash-back rewards in the amount of {$270.00}. They unfairly closed my account and did not pay me the reward amount.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of fraudulent inquiries from my credit report. I recently obtained a copy of my credit report and discovered inquiries made, that I did not authorize or have any association with.
Product: Credit card or prepaid card

ONCE AGAIN. CREATIVE FINANCE! Improper credit application of returned merchandise to wrong promotional balance. I purchased an item that was returned and the promotional balance expires XX/XX/XXXX. The credit was applied to a balance that expires in XX/XX/XXXX - thereby FORCING me to pay more of my balance sooner to avoid interest. Customer Service account manager REFUSES to explain HOW an item purchased XX/XX/XXXX ( A freezer ) that is STILL ON ORDER and NOT DELIVERED has a promotional balance now of {$270.00}. Other items returned and credit of items is incorrectly posting to promotional balances. Customer Service is blaming the actual store for this error, which there is no way a store would know if I had a promotional balance or of what amount at the time of a return. 

WHEN IS SYNCHRONY BANK GOING TO GET FINED AND PUT OUT OF BUSINESS FOR THEIR EGREGIOUS FINANCIAL HANDLING. EVERY XXXX ACCOUNT I HAVE ISSUES WITH IT IS SYNCHRONY. THE CREATIVE FINANCE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Safco XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i may have an idea on whos using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from XXXX XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.
Product: Debt collection

Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with Unifin and that they were trying to collect on a debt. 

They said this was for a XXXX account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. This is not my account!!
Product: Debt collection

Chase Auto claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
Product: Payday loan, title loan, personal loan, or advance loan

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.
Product: Payday loan, title loan, or personal loan

CashNet USA is charging me an extremely high interest rate that I can not afford and is refusing to work with me to establish a more reasonable interest rate and payment plan.
Product: Credit card or prepaid card

On XX/XX/2020 I received a debit card from a company by the name of NetSpend which I did not ask. 

The company " NetSpend '' sent me the card to activate stating I asked for it when in actuality I DID NOT! I never asked for this card and the fact that anyone could have intercepted, or stolen my mail, could have activated this is unbelievable. They should never had issued this card. 

Secondarily, there is no way to cancel the card or get ahold of the company as the only options available on their documentation ( XXXX ) does not give a phone tree option to speak with a customer service rep without giving the full card number or your personal SSN which I will NOT do over the phone in fear of security issues or the firm activating the card when this is not desired. 

The firm 's address on the documentation given was XXXX. XXXX XXXX, XXXX, TX XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is over a XXXX party check which is an irs refund check to my friends name .my friend does not have an ID to cash a check so i deposited his endorsed check through mobile deposit in my chase bank account .the check was accepted and later i received an email from chase stating that the funds will be available on XX/XX/XXXX .upon going to the bank with the payee of the check to withdraw the funds and pay my friend i was told that his identity has to be verified by a registered phone number to his name XXXX provided his phone number .his phone is a free government phone and not showing in chase data bank .so chase refused XXXX XXXX his funds and furthermore chase restricted my account and in a week my account was closed and chase is holding on to an irs refund check for amount of XXXX dollars .i need help retrieving my friend funds from chase.
Product: Mortgage

Nationstar mortgage has incorrectly calculated my correct payment for the coming year I received an escrow analysis dated XXXX/XXXX/16 that incorrectly estimated my payment On that analysis it shows the following : & gt ; After the loan was transferred to Nationstar, the starting escrow balance was {$2900.00} & gt ; In XXXX two payments for Borrower Paid MI were made One for {$170.00} and another for {$1900.00} & gt ; There was an estimated Borrower MI Payment shown projected to be made in XXXX and included in the analysis of {$2100.00}. 
& gt ; It was incorrect and should not have been included in the estimate and that Payment was never made. Further evidence of the error is that the Escrow Analysis from XXXX showed that the anticipated balance in the account would be a NEGATIVE ( {$1200.00} ) & gt ; The fact is that the account is Positive {$2000.00} or so ... shows that the second borrower MI payment was n't made. 
& gt ; Point in fact, there is no need for that payment to be made twice in one year .... 
As a result my payment has increased {$170.00} due to Nationstar mismanaging my account. I have lived in the home now for 10 plus years, the loan has changed hands a few times with no changes or problems like this. My home insurance has gone down XXXX and the property taxes have remained the same. After initiating this concern to Nationstar Mortgage back in XXXX, there has been no resolution to date despite many calls to customer service. 
There contact Information for complaints is as follows : XXXXXXXXXXXX thank you for your time in this matter. you can reach me via email at this address or cell phone at XXXX
Product: Credit reporting

EXPERIAN/XXXX/XXXX : THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT!!! I PAID OFF A CAR LOAN XX/XX/XXXX AND THEY ARE STILL SHOWING IT. THE ARE SHOWING A B OF A LINE OF CREDIT STILL OPEN - I PAID IT OFF AND CLOSED IT 4 YEARS AGO. THEY PUT THAT I WAS 30 DAYS LATE XX/XX/XXXX AND THE ACCOUNT HAS BE CLOSED. I WAS JUST TURNED DOWN ON A NEW LOAN WITH MY OWN PERSONAL BANK BECAUSE OF THESE ITEMS AND MY CREDIT WAS XXXX POINTS SHY OF XXXX WHICH IS THE SCORE I NEEDED!!!! I AM GOING TO HIRE ATTORNEY-WORST CUSTOMER SERVICE EVER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Noticed I received an email stating my information was updated with Capital One. Didnt give it any thought thinking its spam, then received an email stating my card will be arriving next week. Called to have them look this up, little information was shared but they did confirm. Later today, received a text noting my email was updated. Called and they didnt want to share any information since it was currently under investigation ( which would take 90days ) My information was stolen, used without consent to open an account without verification, still on going and Im left here watching and waiting for 90 days for an investigation. I need to know what information they have and to be immediately removed.
Product: Debt collection

I did not receive any communications. I observed that the debt was included in my credit report by all three Credit Reporting Agencies ( CRAs ). 

I contacted LVNV Funding via email and postal mail to request that they validate the debt in accordance with the XXXX XXXX XXXX. They failed to respond. Subsequently, I received a notification from Resurgent Capital Services. I sent them a letter requesting validation of the debt. 

The involvement of XXXX collection agencies constitutes a legal violation. The fact that they have not validated the debt and continue to report negatively to the XXXX CRAs violates the XXXX XXXXXXXX XXXX and the Federal Fair Debt Collection Act.
Product: Debt collection

I never had applied for a personal loan from Net Credit of XXXX. 
I first learned when I received a collection notice for {$5100.00} on a loan I never made nor received a XXXX. 
Several attempts were made and no action was taken. 
Someone somehow stole my personal information to get a {$5000.00} loan. 
Again, this company did nothing to help me or take the negative collection reports off the 3 credit reporting agencies.
Product: Student loan

-Consistently miscommunicating information about my student -Consistently contacting my cosigner before making contact with me -Falsely reporting information
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a payment on the date of Friday XXXX XXXX XXXXXXXX XXXX. My loan payment was due on XX/XX/2023 they put in Monday and made my car loan payment late. I made my payment two days before it was due. In summary the monthly statement doesn't include the processing time as to how the payment will be entered into the payment system.
Product: Debt collection

Northwind Associates. Threatened a lawsuit. Used strong arm tactics on VM that I needed to contact them within the hour to avoid further action. This debt was written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to equifax for validation of debt until this debt I never received a response. The letter was notarized and I have a copy of my Id and social as well. I the. Reached out to your company. Surprisingly, the agency mentioned there was unauthorized third party. NOT TRUE, this is clearly a stall tactic by agency. They have not validated this debt and its illegal for them to continue reporting this account Im requesting deletion. Im resubmitting this after calling the customer service department of the cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I brought my student loans out of collections. In XXXX Experian dropped my score by over 30 point due to 60 day late payments to my student loans. I disputed the information with Experian, advising them that the cares act of XXXX waived all payments and interest on student loans until XX/XX/XXXX. The derogatory late payments are still on my Experian Credit report. Experian will notify through a credit alert if I spend {$100.00} on my credit card. The credit card balances that it shows I have, is 2 months old and I had to recently dispute my credit card balances. After receiving alerts that my disputes were complete, my credit score dropped another 14 point today. On XX/XX/XXXX my Experian score increased by a single point but today it dropped 14 for no reason. I've called every XXXX number on the internet for assistance and ended up be told to call my fico, which requires a {$30.00} per month. Main point of this complaint is, I have 2 derogatory late payments on my Experian report over student loans that are waived until XX/XX/XXXX. Experian will not remove the inaccurate data from my file
Product: Bank account or service

I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX-RISK RETAIL- 5 add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, I have not received a response or results from these agencies. my local law enforcement advised me to file a FTC report and send it to the 3 credit reporting agencies which I have done, but Experian have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B Experian is to block any and all fraudulent information. I will be including a copy of my FTC report which is the only documents by federal law that I am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint, this is my third time submitting this report to Experian and they keep closing the report without cause, saying this is not authorized by me without doing a proper investigation i have attached all the required documents ( state id, and social security card ) for identity purpose this is just more ammunition for my XXXX.
Product: Vehicle loan or lease

I would like to know if Toyota charged me extra fees or made me pay extra stuff I never accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed name and address as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late DEPT OF ED/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, two accounts DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, two accounts XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX two accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, and US BK CT-XXXX XXXX XXXX XXXX XXXXXXXX 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