23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's Day!
Product: Checking or savings account

This document is for the review of a transaction made on XXXX XXXX at XXXX for {$300.00} which is completely a fraud transaction. I was in the car with someone at the time and was very far from where the transaction occurred. According to Chimes records the atm withdrawal was made at XXXX XXXX XXXX. When I XXXX searched the address it said a XXXX in XXXX XXXX, NY. I have no history of being in that store or around that area and I have stressed this several times. T-Mobile has records that detail where i was around the time of the incident because I made a call immediately when I saw the atm withdrawal notification. No history in the area along with a witness and GPS records should be more than enough to prove the transaction was illegitimate. If you look at the location of the next transaction directly after it was in the XXXX for {$200.00} at XXXX p.m. which was all that was available through my savings and spot me. The transactions were almost XXXX minutes apart not enough time to make both transactions which means no matter how you put it I am not responsible nor did I approve the withdrawal of {$300.00} at XXXX. Also, Chime has record of me reaching out immediately as do I. I have had countless rebuttals denied for this dispute and they do not take it seriously because each denial seems to come faster. This morning at XXXX. XXXX. I was notified both of my acceptance and denial for a review. I can prove it was not myself and therefore I deserve my {$300.00} dollars back. Some how they made an error and put my initial claim for {$500.00} dollars and I told them that was incorrect. I show them in the app I also wrote {$300.00} and to my knowledge they have not made that correction. It is a lot of information that I have provided but has not been used properly. At this point it seems they have no intentions of refunding me or tightening up on security both are truly sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : XXXX XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX  XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX   XXXX  not mine XXXX XXXX XXXX not mine XXXX  XXXX  not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  not mine XXXX XXXX   not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX. never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXXXX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorized
Product: Checking or savings account

I have opened a multicurrency account with the company called Wise On XX/XX/year>, the company decided to close my account without providing any reason for their decision ( seed Document XXXX attached ) I was asked to provide another bank account where they can refund the money that I had in my balance, what I did, After receiving all the requested information, Wise sent me an email in which they stated that my refund will take XXXX - XXXX business days to reach my provided account. 

it's been XXXX months, i still haven't received my refund amounted to about XXXX euro, or {$8200.00} even if I have already sent several emails to Wise. 

I'm contacting you so you can help me recover my money.
Product: Mortgage

XXXX XXXX, of Rocket Mortgage/Quicken Loans, said that my wifes employer would not change their status of my wifes employment. XXXX says that my wifes employer says that she has been terminated. This is false since she had a 10 month contract that just expired at the end of XXXX, and she has a new 10 month contract that starts in XXXX. This is not being terminated in any stretch of the word. 
We paid them a {$500.00} deposit to start the loan process that now appears to only have been a ploy. Rocket Mortgage has dragged their feet for over a month on the closing phase. It is of the opinion of both my wife and myself that Rocket Mortgage/Quicken Loans had no intention from the start to close the loan. I believe that Rocket Mortgage/Quicken Loans is running a deceptive business in how they operate.
Product: Credit card

I received a credit alert from XXXX  that a new car was open on my credit. I did not authorized this transaction and I called chase to cancel this card and also asking them why this is keep happening. This is the second time they open a credit card without my permission.
Product: Checking or savings account

My name is XXXX XXXX XXXX bank with chime bank I the last and this month I was getting call about my chime fraud the chime fraud call me to tell me that someone was using my card in XXXX I did not give anyone permission to use my card I try to call them to get it fix but they said that where going to send me the information of the of the person who was using my card but they did not send me a copy the company did not help me out at all. I think the company is help some to use my card because they can the address and phone number that was associate with the account. I want to press charge for the person who was using my card, and I want to sue chime because they are not help me with my problem and I believe they are taking money from me. 

XX/XX/XXXX someone use my card the transaction was XXXX at target in XXXX, FL XX/XX/XXXX someone use my card the transaction was XXXX at XXXX in XXXX, FL XX/XX/XXXX someone use my card the transaction was XXXX at XXXX in XXXX, FL
Product: Money transfer, virtual currency, or money service

WorldRemit Corp cancelled my transaction and disabled my account without notifying me of the reason why. This happened when I already had a pending transaction. I called them, waited for 45 mins before I got hold of a representative. The representative claimed that I should be getting my refund but there was no confirmation email or anything. This is not ethical and very suspicious!
Product: Checking or savings account

I was XXXX on XX/XX/XXXX17 and the following month 's XXXX payment of {$730.00} was stolen while the only card for the account was in my property at jail! How is that even possible .... Further more when I got out a year later they refused to refund the money cause it was over 90 days. I had the only card locked and protected by XXXX county 's finest ( the XXXX county sheriff 's department ) How could anyone get access to my account? How I understand it all this time later is there was a prepaid card issued and the funds stolen that way. but how can they issue me a card and I not know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I had opened this account with XXXX when I was XXXX and they gave me a XXXX party credit card with XXXX bank. XXXX then sold their company to XXXX and people got locked in into whatever this credit company is. I called almost everytime they charged me interest and charges and I had ALWAYS set up my auto pay. They kept failing and failing and I would accumulate late fees and charged.
Product: Credit reporting or other personal consumer reports

I noticed since XX/XX/year> that you have charged off my Capital One Silver Credit Card, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to zero? You will find my email address in the information section below.
Product: Debt or credit management

Everest Receivable Services , Inc keeps calling me every day and asking me to confirm my social security number before disclosing why they are calling me.

When I asked why they were calling me, they said " We have a file on our desk and want to verify if it's the right person ''.

They still keep calling after I told them I would not disclose my information without them first telling me what the call was about. 
The phone number that calls me is this XXXX
Product: Vehicle loan or lease

I XXXX XXXX and XXXX XXXX has received a retail installment contract- consumer credit document in the mail from Credit Acceptance . Upon looking at this document i notice several violations against me the Consumer one in particular is US code 15 USC 1605 it appears that the apr for my state North carolina the max is set 8 % and should not go over 16 percent. I didnt agree to the charges and neither were they disclosed me prior to agreeing to this document. As another violation i came across is US code 15 USC 1635 the right to recision. I was never made aware that i could rescind this contract in 3 days. Its stated no where in the contract. Also there is US code 15 USC 1640. Due to the constant calls numerous times a week from different numbers from michigan and private phone calls that also cause problems in my life you have also violated US code 15 1692k.I know that with all violations listed that I am entitled to a refund of all moneys paid to the debtor Credit Acceptance. Including the cash down payment on this credit transaction that i use my social security number to purchase. Also I am asking that this be removed from all consumer reports, as well as the title to the real property and lien be removed.
Product: Checking or savings account

As explained in a previous complaint XXXX, money was stolen from my Citibank checking account, and Citibank has refused to return that money to me. In doing so Citibank has violated the Electronic Funds Transfer Act of 1978. Citibank is currently being sued by the State of New York as they have defrauded many other customers in the same manner. I have submitted my information to the NY AG office and am awaiting the outcome of the trial and for Citibank to return my stolen funds plus damages. 

The bank has informed me that for stolen funds to be returned, the account from which they were stolen must remain open. I have complied with the bank 's request. 

However, now the bank has sent a letter threatening restriction of deposits to the very account they instructed me to keep open. They are doing this in the name of the account being overdrawn. However, I never made any withdrawals from this account which led to a negative balance. In fact the account is blocked so that no withdrawals should be made at all. Citibank has repeatedly charged " Bank Service Fees '' which is the only reason there is a negative balance. 

The account is only open dues to Citibank 's requirement that it remains so for return of stolen funds. There should be no service fee associated with their request, and they should not be manipulating the account in this manner as an excuse to restrict it. 

Restricting it could be used as yet another excuse to not return the funds that they wrongfully transferred from it in the first place.
Product: Credit card or prepaid card

XXXX now owned by comenity/XXXX was peddling magazines subscriptions at their store a few years ago. After you agree to a subscription, they give you a piece of paper with a number on it to call to cancel. However, what they don't tell you, and I don't blame to sales staff, is that you will never, ever be able to talk to a real person. When you call to cancel, the system is set up to cancel the subscription and return your account but in order to have that done you have to agree to accept additional copies at a lower price. After that kicks in and your don't cancel within a certain time, they will start up the subscription again and bill you for it. The problem is that you CAN NOT turn that down. And they just keep charging and charging your credit card. Not only that, you can't get anyone on the phone at the actually credit card company either. Check out their XXXX page. They have been blasted with complaints about this. Please stop them. 

XXXX XXXX XXXXXXXX
Product: Debt collection

Multiple calls, that start with the Represenatives talking in a disrespectful manner, calling during work hours and repeated calls after, XXXX central time I filed bankruptcy regarding all my medical debt from XX/XX/XXXX until XX/XX/XXXX, my lawyer informed me I have to provide them with no information and if they needed further information to request the bankruptcy documents using ( PACER ) that is a government website to view case documents.. even after I told them this they have still harassed and called multiple times during the same day hours apart using different representatives. My next step will be a legal action my lawyer is sending cease and desist letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Before my near fatal car accident in XX/XX/XXXX I have n't been steadily employed however was very proud of my excellent Credit Score & Credit Report. I feared not being able to juggle my finances properly after the accident because I had diagnosed at XXXX XXXX  XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX ( XXXX ), combined type ( XXXX ) and by my XXXX with XXXX with XXXX XXXX XXXX XXXX which I am now receiving Social Security. 
After a while I began checking my Credit Reports from all 3 of the major credit reporting agencies ( CRA ) and found suspicious accounts, amounts, addresses, dates, names and inquiries throughout my personal file. I have been challenging and disputing the Creditors as well as the CRAs for nearly 10 years ( XX/XX/XXXX-XX/XX/XXXX ) about the accuracy of my information to no avail. Most recently, I have been told how to dispute my claims more systematically by using certified mail with a return receipt. I have managed to get some of the inaccurate information changed but still have a huge struggle as I continue to dispute & challenge other misinformation documented in my credit report. 
Beginning in XX/XX/XXXX, I decided to keep track of ALL of my letters I send to the CRAs. As of today, I have sent 4 different letter to Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
I 've requested via Fair Credit Reporting Act ( FCRA ) in every letter mailed to the CRAs to provide physical verification as well as verifiable proof of an original contract with my Signature on it but am ignored and denied on every occasion. I have suffered so much frustration and rage because of this willful negligence and disregard of the law that I now see my XXXX 4 times per month. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

In 2018, I was part of an eviction proceeding whereby it was agreed that the eviction would be dismissed upon payment of a total amount of {$2100.00}, which included rent due and lawyers fees. Because the landlord refused the submitted last month rent amount of {$1000.00} in order to comply with eviction laws, they wrote me a check for this amount, which I never cashed. This check is to this day in my possession. There was also a total of {$300.00} deposit paid which should have further reduced this total amount owed to {$790.00}, which I have advised them that I am ready and willing to pay. Genesis, the company which seems to have bought this debt has tacked on about {$1600.00} in late fees to this {$2100.00} figure, with no transparency as to billing or justification. They have repeatedly failed to properly account for the last months rent or provide a billing that either justifies the amount they claim is owed or why the additional late fees have been accrued.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX  from one business account to another was made a wire transfer of {$1500.00} what, based on the charged fees by Bank of America, should be deposited on the next business day. On the XXXX of XXXX, either XXXX or XXXX money still was not in the account. We called the customer service to figure out the problem, they were not able to find that transaction at all. We requested to fill out the claim about, but they were refused, referring to the fact that they could not find this transaction and since there is no transaction, so there is no case ... Just to be patient and wait. For how long, it's a big big question. 
Since the bank charges fees for, it should be full responsible for any oversights. 
As a customer we would like to be respected, as this is not the first time happened.
Product: Credit reporting or other personal consumer reports

I've made several letters to XXXX and Experian, also providing documentation that verified my identity. Not only are these Credit reporting agencies, reporting inaccurate information to third parties, but not providing me with an actual credit score or updated report directly through their platforms.

These companies are in violation of 15 USC 1681B, I have not given them permission to report some of this information to my consumer profile. But they are also not providing any information within 30 days which is also in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Also not providing a updated response or any information on how to rectify this is also in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) If this is not rectified within 5 business days, I will be seeking legal action. This is severely impacting my ability to utilize my credit
Product: Debt collection

I got a letter from Pro Collect indicating that they were attempting to collect a debt. I immediately mailed them asking them for : 1 ) name and address of the creditor 2 ) indication of whether this is time barred 3 ) suspension of collection efforts until they have responded. 

I got no response. 
I called on XXXX XXXX and was told I needed to email XXXX procollect. I did so. No response. 

I emailed again on XXXX XXXX and there was no response. 

I called again today ( XXXX ) and was told that I would need to email him once again. I was also told that they would not provide me with the address of the creditor. 

I saw today that the account is now being reported by credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired XXXX to Coinbase. Coinbase then failed to receive the funds properly due to a clerical error on my side. They reported they were wiring the funds back, but funds have yet to arrive and they will not answer emails and have no phone support line.
Product: Mortgage

In XX/XX/XXXX we applied for a home modification loan with CitiMortgage. During the 3 month trial period, CitiMortgage foreclosed on our home and sold it without notifying us. This was in violation of the written terms of the modified loan agreement. We contacted the Arizona Attorney General and they made CitiMortgage reverse the foreclosure and return the home we had been evicted from in XX/XX/XXXX. This is a simple violation of contract issue and they admitted in a letter to the AZ Attorney General that they wrongfully foreclosed on our property. We had considerable expenses in rental property, moving expenses, home repair from property neglect during our absence. CitiMortgage sent us a check in XX/XX/XXXX to cover part of it but we returned it in order to collect the full amount of rental expenses. Since then, they have never responded to our requests for a settlement of the amount due. They were at fault and caused us significant grief as well as expenses. The least they can do is pay the debt they created.