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

I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a XXXX rating. I have disputes with Equifax about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.XXXX has left this on my credit report and has damaged my credit. XXXX XXXXXXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet Equifax still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX  attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX  received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX my account was charged for {$100.00}, it was an unauthorized transaction that I was unaware of, once I noticed the charges I contacted my bank chime and told them that I didnt make the purchase. They immediately cancelled my debit card and issued a new card, I was told they will summit a chargeback and let me know the outcome, however within less than a day I got a email saying my claim was denied and I could request a copy of the document that was received from the merchants stating that I made the purchase. I knew that they were lying and immediately call and told them that I never made that purchase and requested a copy the documents that they told me the merchant sent them. I was told that I will receive a copy of the documents by email, after days of not receiving what I was supposed to get, I reached back out and spoke to multiple agents and with multiple back and forth I requested a supervisor who than told me that it was indeed a lie and they never did an investigation or contacted the merchant to get my money back. But was told that legally they dont have to contact the merchant or do an investigation but they decided to deny my request for a refund. I was told by the supervisor that the representative that toke my complaint made the decision to deny my claim without contacting the company or doing any investigation because they are allowed to do that and her agent decision was finalized. She was very rude and told me that I was not getting a refund for an unauthorized charge on my account. By law banks are require to do a chargeback or provide credit back to customers for an unauthorized charge, and are also required to provide documentation.
Product: Debt collection

On or about XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of XXXX stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ). Explained that I recently had major XXXX and have been recovering past two months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.
Product: Credit card

CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?
Product: Checking or savings account

I tried to deposit several checks via a mobile app. XXXX XX/XX/2022. I fat fingered some of the $ amounts. My account got locked. I called the next day and their techie dept got it reopened. I then received an intent to close my account on XX/XX/XXXX. I called and spoke to a supervisor ( XXXX ) on XX/XX/XXXX and told her to just close the account and mail me a check. She said she'd make the request and it would take 3 days to process. I never got the check and called again today. ( XX/XX/XXXX ) I was told they have not yet formally closed my account and could not release my money. ( spoke to XXXX and was tranfered to XXXX in member resolution ). XXXX states they can lock up and hold my monies XXXX for 60 days while they decide what they're doing, even though XXXX confirmed USAA has already determined to close it in the coming days, they still wont release my monies until they officially close the account in the coming days. 

Checking Account XXXX : XXXX USAA out of XXXX XXXX, TX
Product: Credit reporting or other personal consumer reports

This account is not mines I have asked this company to stop reporting false information on my credit report for the past few years. I am a victim of identity theft for many years now.
Product: Money transfer, virtual currency, or money service

I had an account with Venmo. I used it to send money to/from family and friends. I received an email from Venmo stating that my account has been frozen and to submit proper documentation to prove my identity. I submitted the documentation asked of me. Two weeks later I received an email from Venmo that they had permanently XXXX my account. They would not give me a reason as to why. They sent a very generic email stating that I violated their policy, but refuse to tell me which policy I have violated. They are currently holding {$830.00} for 180 days because of this. I have contacted Venmo numerous times and nobody can give me a valid, clear reason as to why my account was permanently deactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries doesn't not belong to me and we're not authorize by me XXXX XXXX XXXX XXXX  XXXX AUTO SALE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for TransUnion and on XX/XX/XXXX a return receipt for XXXX. XXXX, TransUnion and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a request for verification of late payments being reported on my credit report. On XX/XX/2018, they sent back a letter saying that they verified the account as accurate BUT did not sent any verification documents. They also did not mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$3700.00} and {$2600.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Mortgage

I wish to avoid foreclosure on my home so my attorney submitted an offer for short sale to my servicer PNC on XXXX/XXXX/2016. At the time there was a sale date set for XXXX/XXXX/2016. The sale date was then extended to XXXX/XXXX/2016. Upon following up with PNC in XXXX 2016, PNC stated they had closed the request for short sale because it was received less than 30 days prior to a sale date. My attorney then advised them the sale date was extended to XXXX/XXXX/2016 and therefore it was actually received 39 days prior to the new sale date. PNC then stated that they will not accept the request until after the sale date had been extended. Which makes no sense!!! Common sense tells us that sale dates are only extended for 30 day periods at a time. So how is someone supposed to wait to submit a request until after the sale date is extended, but still get in the request more than 30 days prior to a sale date??? 
This makes no sense and it appears to be a rule PNC uses simply to evade reviewing someone for assistance. There is no reason why we should have to refax in the same paperwork and offer they already have on file from XXXX/XXXX/2016. They received the request 39 days prior to a sale date and simply making up a rule that is impossible to meet, is not a valid reason to evade review of a request from someone to avoid foreclosure.
Product: Checking or savings account

On XXXX XXXX I used my chime debit card at XXXX XXXXXXXX XXXX  to withdraw {$600.00} from the ATM. A message came on the ATM screen that read money can not be dispensed at this time. The machine returned my debit card back to me with a non-dispense of funds and no receipt. I checked my checking account and {$600.00} was deducted from my account. I immediately called Chime support and they informed me they would submit a dispute on my behalf and I would receive a temporary credit until the matter was settled. I received a email from chime support that my claim was denied. I requested documents from Chime explaining the reason my dispute was denied, I NEVER received them even after numerous calls. I then got in touch with the merchant who informed me a refund was placed back to my bank holder, which I told them I never received and my bank is denying my dispute. The merchant then provided me documentation stating what happened with the non dispense and when the money was returned to my account. I did forward those documents to Chime support in a email that they still denied after I provided documents. Ive called chime support several times with no resolution or funds credited to my account. When calling chime support they have no ideas why my dispute is being denied after giving information from the merchant and informed me to resubmit them.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, exposing my personally identifiable information.
Product: Consumer Loan

The company keeps reporting me as late but i have asked them to Close this account in XX/XX/2014 as i can not pay it yet they still ahve not closed it and charged it off as asked.
Product: Vehicle loan or lease

Im am writing this complaint in regards to Premier Auto Credit. On XX/XX/2023 through the middle of XXXX. Me and XXXX XXXX received threaten aggressive calls from premier auto credit. The company threaten to sue us, hire private investigators to follow us and ruin our credit if we didnt pay the loan amount. They also followed me from XXXX XXXX  house to my place of residence, Thats when premier auto credit hired and unmarked repossession company to repo our vehicle. We were followed in unmarked cars, to and from work. We received aggressive phone calls from premier auto Credit. The agents would us profanity and foul language, in attempt to recover the vehicle. This became very stressful and upsetting for me and XXXX XXXX.We were not made aware of, by phone, letter or email that this company was going to repo our vehicle. Our personal information was giving to this company, in which we did not have an agreement with the repo company but, with XXXX and premier auto credit. We feel that our personal information was compromised by premier auto credit and our personal credit has been breached. Weve also notified premier auto credit of our financial difficulties, hoping to refinance our vehicle or work out a payment plane, but the company refuse to work with us. As I look at the contract weve noticed that our signature are computer generated, and not our hand written, in which, at the time of signing the contract we only hand written our signatures. At the time of our contract signing, XXXX / premier didnt explain our rights as a consumer buyers, which is a violation to our right as purchased of any form of credit transaction.. Ive also noticed per our contract that we where approved for a loan of XXXX. I, neither XXXX XXXX didnt receive cash, check or money deposited into our account as a consumer transaction. On the retail sales contract, our signatures are computer generated as noticed We where not made aware of any taxes or fees until the signing of the contract. We where forced to pay these fees, or we could not drive the car off the lot. We gave {$8000.00} cash for the down payment, was financed XXXX which totaled {$24000.00}. We paid XXXX for sales taxes. XXXX for vehicle license fees and {$50.00} for registration fee, which is against the law to use this amount as part of the down payment. Weve contacted premier auto credit about the merchant that was in and on the vehicle at the time of repossession, and asked if we can recover our property, but was denied access to our belongings. This company is very rude, unprofessional and intimidating. This company has lead us under fraudulent transactions and bad faith agreement entrapment.
Product: Student loan

Hello, I am working towards public service loan forgiveness and have an issue with the amount of qualifying payments. I submitted my employment certification form in XX/XX/XXXX and my loans were transferred to PHEAA on XX/XX/XXXX. At this time, the qualifying loan amounts show different information with only one being accurate at XXXX while the others shows XXXX and XXXX. I notified PHEAA in XX/XX/XXXX, XX/XX/XXXX, and recently in XX/XX/XXXX without any resolution of this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has been attempting to collect a debt that is not lawfully mine and has no standing. Upon my request for debt validation and documentary evidence, as required by federal law, the debt collector failed to provide said federally required evidence. Thus, this debt is null and void. On top of the fact that they have been taking part in abusive and unfair debt collection practices, that have caused me an immense amount of XXXX  The company is currently within a 30 day window to remit payment for the violations of law and my rights that they have committed, before litigation is pursued. They have an opportunity do the honorable- and lawful- thing so that we do not have to spend more energy on this in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2016 Balance : {$8500.00}
Product: Credit reporting, credit repair services, 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. 

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

The Credit Reporting Agencies are willfully defaming my character continuing to report inaccurate information on my credit report without providing proof. Also they're in several violations of my consumer rights. 

In Pursuant Of 15 Usc 1681a ( 1 ) we have the right to accurate and fair credit reporting!!

These accounts are not showing accurate on my credit report.

According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies were supposed to respond to my disputes within 30 days I have received no correspondence about my disputes According to the FCRA 605 ( c ) Running of the reporting period was occurred on all these accounts. They re age the date of last activity to willfully defame my character and keep my consumer report at a low credit score I demand these accounts be removed from my consumer report & blocked during the investigation occurs on all reporting agencies reporting alleged accounts