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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

I have paid off my student loans to XXXX and I want the accounts closed immediately but I can not get Navient to respond by email or phone to solve the problem. I have heard MANY complaints about people getting billed for more after getting their loans down to XXXX. I want my loan accounts closed so that they can not do this to me. If you have any suggestions as to how to get them to do this, I would be very grateful.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the validity of the debt that your agency is attempting to collect on regarding the account name TRANSWORLD SYSTEM INC. I have received a notice from your agency dated XX/XX/year>, but I have several concerns about the validity and accuracy of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you are attempting to collect. I am requesting that you provide me with the following information : 1. Verification of the Debt : Provide documents that substantiate that I owe the debt, including a copy of the original agreement with my signature and any subsequent agreements related to the debt.

2. Proof of Assignment : Provide evidence that your agency has been assigned the rights to collect this debt from the original creditor.

3. Breakdown of the Debt : Provide a detailed breakdown of the amount owed, including the original amount, any interest or fees, and an itemized account of any additional charges that have been added.

4. Verification of Your Authority : Provide documentation that proves your agency is licensed to collect debts in my state and has the legal authority to operate here.

I request that you provide this information within 30 days from the date of receipt of this letter. Until such time as you are able to provide adequate validation of the debt, I demand that you cease all collection activities, including reporting this debt to credit reporting agencies.

Please understand that this is not an acknowledgment of the validity of the debt ; it is my right to seek verification. Failure to provide the requested information within the specified time frame will result in my assumption that this debt is invalid, and I will take appropriate actions to protect my rights.

Please send all correspondence related to this matter to the address listed above. I appreciate your prompt attention to this request and your compliance with the law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Over a year ago I opened up a savings account with Citizens Bank which was set to hold a security deposit for my home that I rent out. As such, there was not going to be any funds going in or out of the account once the account was opened and contained the {$1500.00} deposit. The agents knew that when I set up the account.

There were no issues with my account until XX/XX/XXXX, at which point Citizens began charging me what they considered to be a dormant '' account fee. This is not something that was outlined in any of the documents I signed when I set up the account, nor was it something that was ever discussed with me or agreed to up front. The first fee was {$10.00}. Then, Citizens proceeded to charge me {$5.00} every month thereafter from XXXX. This amounted to a total charge for fees of {$45.00}.

I did not realize the company was charging me these fees until XX/XX/XXXX, since this account does not have activity as it holds a security deposit only. At which point I called, spoke with a representative of Citizens and advised them that this was a security deposit account, and that I could not comingle funds or add funds or remove funds to the account due to the legalities of doing the same. At that point they reimbursed me the {$45.00} I had been charged to date, looked into the account as to how it was set up, and assured me my problem would be resolved.

Thereafter, Citizens continued charging me monthly fees from XXXX. for a total amount of {$15.00} I called back again on XX/XX/XXXX, spoke with a supervisor at Citizens, and was again apologized to, and advised I would be reimbursed the fees. I advised then that I would be withdrawing my money and closing the account ; which I did.

In looking over the reimbursement, I now see that Citizens failed to reimburse me in full and only reimbursed {$10.00} of the {$15.00} they owed me. I called them to rectify the situation and was advised that they would " note my dissatisfaction, but there was nothing they could do ''. I want my {$5.00} back, as they previously agreed to do, prior to the closing of my account.
Product: Debt collection

Dear, National Credit Systems This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I ordered online an ottoman from XXXX and paid for the ottoman with a {$420.00} charge on my Synchrony credit card, which was billed on XX/XX/2021. On XX/XX/2021, I received an e-mail from XXXX  directing me to schedule delivery of my XXXX shipment. Pursuant to the instructions I scheduled the delivery four times, but each time the delivery did not appear even though I had received written confirmation of the time and date of the delivery. On XX/XX/2021, I called Synchrony customer service to dispute the charge. After I received notices that my shipment had been delivered on XX/XX/XXXX and XX/XX/XXXX, I called XXXX  on XX/XX/2021, and told them the shipment had not been delivered and I no longer wanted it. The XXXX  person I spoke with told me that their records did not show the shipment had ever been delivered. Synchrony has permitted XXXX, XXXX XXXX XXXX XXXX XXXX, to rebill my account even though the " evidence '' XXXX submitted only showed that I had placed the order for the ottoman. There was no proof that the ottoman had been delivered to me and no signature from me which the XXXX instructions had said were required. On XX/XX/2021, XXXXXXXX XXXX attempted to deliver the ottoman, saying that it had been " lost, '' but I refused to accept the delivery. I have tried to resolve the dispute with numerous calls to Synthrony customer service, which has informed me that I am not allowed to speak with their dispute department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian ID XXXX XXXX XXXX XXXX and their Supervisors. And it is also against XXXX XXXX along with XXXX XXXXn Supervisor, whose name is XXXX ( and how ironic that XXXX XXXX is a Customer Care Supervisor )!!!! 
My Personal Information was placed online for everyone to see, due to a Data Breach by XXXX XXXX XXXX XXXX. Since the XXXX week in XXXX 2022, I have been experiencing Identity Theft due to this Data Breach. My Email account was hacked, my Bank account was hacked. Fraudulent Credit Accounts opened in my name, and almost XXXX fraudulent Credit Inquiries on my Credit Files due to Fraudulent Credit attempts by the Identity Thief or Thieves. XXXX XXXX contracted with Experian / XXXX XXXX XXXX to help with my Restoration and Recovery Services. I was under the assumption that this Restoration Service would do the work in my Financial Recovery and Restoration. First of all, I am trained in XXXX and XXXX  I have NO training in Fraudulent Financial Recovery and Restoration -- other than what I have been forced to learn since XXXX 2022. Yet, other than placing a Credit Freeze and Fraud Alert ( which is rather simple ), I have been forced to learn the Restoration and Recovery methods in order to have them in place, and I have been forced to do about XXXX XXXX of the services myself, which Experian and XXXX was contracted to do. Something doesn't seem quite right about this situation and Set-Up!! 
Experian and XXXX XXXX XXXX have recovered ( XXXX ) dollars of my money back. I lost several thousands of dollars when my XXXX  and XXXX XXXX was hacked and drained. 
I had a Fraud Restoration Specialist that was assigned to my Case, yet I was having to do about 95 % of the work in an area which I have no training in. Therefore I requested a XXXX XXXX Supervisor. Supervisor XXXX then stepped into my case. Bad choice, as my Case went from having a little work completed by my Restoration Specialist, to having no further work on my Case. It changed from having to do XXXX XXXX  of the work myself, to having to do 100 % of the work myself. I then requested a higher level Supervisor with XXXX and XXXX, thus far they have refused to give me any additional Supervisor contact info. 
XXXX XXXX Supervisor XXXX stated to me that there was nothing further that Experian / XXXX could do until I did something. The something that she requires me to do is wrong and against policy and rules!!! And this is not to say that I have never done this before, but at the same time, I do not feel comfortable in doing this. Once again, their Customer 's Data Breach is what got me into this mess, and drained my Retirement Savings -- - then contracted with this Company for my Recovery and Restoration Services, and after several months, as the record will validate, I have recovered none of my thousands of dollars of my Retirement Savings.
Product: Vehicle loan or lease

GM Financial repossessed my XXXX XXXX XXXX on XX/XX/XXXX in New Jersey. It was then transferred to Michigan & titled at the XXXX, MI DMV on XX/XX/XXXX. 
I NEVER received a Notice of Resale Date that is mandated by LAW in New Jersey that would have provided me the option to redeem my vehicle! Since they NEVER mailed me a NOTICE OF RESALE, and are trying to collect the deficiency, I mailed GM Financial, along with all three credit bureaus, a letter of dispute on XX/XX/XXXX via Certified Mail Return Receipt. I requested that GM Financial forward me ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale, ( since they sold my vehicle at auction for only {$5000.00}, but the buyer resold it for approximately {$16000.00} ). 
I never received the requested information/documents from GM Financial XXXX 
On XX/XX/XXXX, I received a letter from GM Financial, dated XX/XX/XXXX stating that they received my inquiry letter and that additional information was needed, even though I included EVERYTHING that they would require to send me the legal notices requested ( i.e., loan number, my name, address etc. ). 
Then, on XX/XX/XXXX, I received another letter from GM Financial, dated XX/XX/XXXX stating that my recent dispute regarding the credit bureaus reporting of my account has been received and reviewed. For the following reasons we are unable to proceed with your request : NO specific item was requested for investigation and NO supporting documentation was received. They also included information to file a direct dispute, information I ALREADY provided GM Financial!! 
So, on XX/XX/XXXX, I resent my first letter that was dated XX/XX/XXXX and added my phone number and also mailed it to their XXXX XXXX XXXX 
On XX/XX/XXXX, I received another letter from GM Financial dated XX/XX/XXXX, stating to please accept this letter as a formal notification that GM Financial was recently contacted by you in reference to the above listed account. Based on information you provided, the account may have been fraudulently established as a result of identity theft. 
On XX/XX/XXXX, I received the same, exact letter as the letter dated XX/XX/XXXX. This one was dated XX/XX/XXXX. 
On XX/XX/XXXX, I mailed another letter requesting ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale of my vehicle. The ONLY communication I have received since, has been from GM Financials Bill Collectors! GM Financial is IGNORING my requests for resolution and giving me the run-around BIGTIME, as they did not comply with the mandatory requirement of the resale notice! Additionally, I have ALL my USPS INFORMED delivery copies of mail received from XX/XX/XXXX thru XX/XX/XXXX, which PROVES I NEVER received this notice!!
Product: Vehicle loan or lease

Santander Consumer offered me a payout because the car I purchased had a recall and they were suppose to close out my account, perhaps the account is still active on my credit and it should have been closed years ago.
Product: Checking or savings account

In XXXX  we had setup Bank of America bill pay to automatically send payments from our checking account to our church on a monthly basis in the amount of {$1700.00}. When the end of the year came, the bank sent a statement that showed two payments missing and unpaid. Inquiry with the church showed that the XXXX and XXXX payments never made it to the institution. An investigation from local law enforcement indicated that the checks were likely stolen from mail system and they had noted a link between this likely theft and. 

Upon learning this, we contacted bank of america to request that the original payment be made to the church. Their policy clearly showed that they guaranteed the payments in the event of any issues. 

Needless to say, it has been a year and a half and the bank has not completed the payments ( sighting the " ongoing '' XXXX XXXX XXXX XXXX XXXX ), nor do they provide timely updates without us calling and asking for updates, they have also attempted to close the case files associated with this account. When asked for further escalation and resolution we get the run around. Meanwhile, we had to supplement the {$3400.00} missing from bank of america 's payment and take the hit financially. 

We want bank of america to honor it's guarantee and complete the payment that was requested. Stop putting it on the our back to bear the financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX XXXX XXXX # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the XXXX XXXX. 

As per the attached notice from TransUnion, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. Trans Union LLC and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in Troxel v. Granville, 530 U.S. 57 ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, Transunion and XXXX immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response is receieved within 14 days I will be forced to file a complaint in XXXX court! 

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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

I got a auto loan from XXXX XXXX in XXXX NC in XX/XX/2021. The car had problems since day 2. To get the car fixed I had to redo my auto loan in They broke down in XXXX and I told them the location of the car because they werent interested in helping me get it fixed. In XXXX they ran my credit twice without my permission then asks me if I got another car. I did not give permission to run my credit I involuntary gave my car up and still running hard inquires. That is not legal.
Product: Vehicle loan or lease

On XX/XX/2020, I contacted Chrysler Capital requesting a deferment of my loan payment due to the events surrounding the COVID-19 epidemic. I was told by the representative that I would be able to defer for three months and the paperwork would be sent to me in the mail. On XX/XX/XXXX my monthly invoice noted that I was 2 months late. I immediately called Chrysler Finance and was informed that the the representative never initiated my deferment. I was then told that it would be initiated during this call and I agreed to make the XXXX payment in lieu of my financial situation. They again reassured me that the paperwork would be sent. I called on XXXX to check on the deferment status and was told for a second time that the deferment was not initiated by the second representative and that my account was 59 days delinquent. I then asked to speak to a supervisor. The supervisor said that they would investigate the matter further and get back to me on the following next business day.
Product: Debt collection

I spoke with them told them I never had a account with that company and never had apartment with them. I have ask them to remove it because it is not my debt.
Product: Consumer Loan

I am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call today at XXXXXXXX XXXX from XXXX, XXXX at LendNation, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX. And this is one of many stating that I filled out an online loan with them. I never did, nor do I do this type of thing. She said they have me on file which means I've done business with them or an affiliate before. Not me. I explained to her it's not me, it's my ex-husband. He's been doing this since our divorce he asked for, but got upset with me because he had to pay me XXXX XXXX. I've been divorced for 10 years, and fighting for my name and personal information back all of this time. I asked her to contact the police and file a report and obtain the IP address of where that online application came from and I can prove it's him. His current telephone number was given to me a few weeks ago because he contacted someone I know very well saying where he was, in XXXX, TX, in an attempt to find out where I am. She wanted to alert me just in case anything went down because she knows what I go through with this person. This has been going on non-stop since XX/XX/XXXX, which is when I filed the original FBI Report because he tried to get a home, a XXXX, and multiple Payday Loans in my name. I'm currently in hiding and must have protection on all of my accounts. XXXX refused to give me her last name, but tried to obtain information on me. I only verified what she had about me, but I don't deal with places like this, so here I go again for the third time since XX/XX/XXXX. I've been in and out of court multiple times by these people suing me for monies I've never filled out for nor received. He has an unidentified female accomplice who sometimes poses as me and they even changed my address at one point to obtain a XXXX account and phones. I had a horrible time getting that removed from my credit records and proving to them it wasn't me. These are always coming out of either XXXX XXXX XXXX or XXXX He apparently provides them with an address that's 10 years old with my email address and my telephone number. XXXX called because she said there was something she needed to check. I immediately let her know to report him to the police and why. She said she's more than happy to talk to the authorities about this situation and she's gon na report it as fraud. Let me be clear. There was no Category for this type of complaint ; therefore, forgive me for stating I was approved and didn't receive the money, as I've NEVER applied for anything such as this. This is the only way to process this report right now.
Product: Credit card

I was told to call back when I get the annual fee charge to get it waive. I spoke to manager XXXX XXXX and he refused to remove the charge. 
I am requesting for the fee to be waived as I was promised. 
The manager XXXX has no manners. He placed me on hold 3 times without asking for permission Is this how citi treats its customers? 
I asked him to please speak clearly and he spoke even faster making it imposible to understand. What type of Citi employees are this?