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

XXXX, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The XXXX  statement balance was XXXX, due date XX/XX/XXXX. I made the XXXX  payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Product: Debt collection

On XX/XX/2021 at approximately XXXX, I received a phone call from my mother about a stranger who came to her home with paperwork. Upon answering the knock on the door, the stranger asked, Is XXXX XXXX here? To which my mother responded, Who is asking? The stranger states aloud, I have legal paperwork for her from Olympic Collections - a debt collector that I need you to sign. My mother then responded, I dont know anything about this so I will not sign and I am not taking this. At this point, my father heard the commotion and interceded, stating You need to leave our home. We are going to take your license plate. ( My mother states the plate # started with the letters XXXX on a white XXXX vehicle. My parents are in their XXXX and could not remember the rest of the plate number ). The stranger then proceeds to use profane language as she walks away and speeds off from the driveway, behind my parents van, where the stranger parked her XXXX. My mother felt so humiliated as neighbors from across her home watched this strangers abuse of inappropriate power. I am writing this complaint as I feel that my rights as a consumer have been violated while my elderly parents were harassed. I am mortified that this company would use a stranger to get abusive to elderly patrons as well as share private information regarding any debt to outsiders without my consent nor any previous communication.
Product: Checking or savings account

There has been two separate transactions on my account where someone has created a virtual card on my account, two different virtual cards, and made transactions that I did not authorize. The first claim someone created a virtual card on my account and used it to make unauthorized transactions through a bogus XXXX XXXX. I promptly filed a claim with Netspend bank to dispute these transactions, but unfortunately, my claim was denied. # Claim Number : XXXX was for {$320.00} where someone opened a virtual card ending in XXXX on XXXX XXXX and transferred the money to a bogus XXXX XXXX, this was not me, this was not authorized. To my dismay, the same situation has occurred again, where another virtual card was created on my account and unauthorized transactions were made. Now I have another transaction that went through last night at XXXX CT for {$370.00} with yet another virtual card ending in XXXX to XXXX XXXX XXXX XXXX XXXX GA XXXX this was not my transaction and was not authorized. I have started a dispute on this one as well under claim # XXXX. This is {$690.00} my bank, Netspend, has allowed someone to create virtual cards on my account and take my money, yet they have denied my first claim! This is totally unacceptable business practices. I have been in contact with Netspend already to change my email and password on my account and waiting on a new card so I can access what money I have left! This is deeply concerning and highlights a significant security breach within the Netspend systems. When I send emails, all I get is an automatic email. I call customer service and they go through all the normal XXXX without helping me. They should be responsible for giving me my money back!
Product: Credit reporting or other personal consumer reports

I vacated a rental unit in XXXX XXXX in XX/XX/year> after only 10 days due to severe habitability issues, including mold and structural defects, which violated the legal warranty of habitability. The property management company, XXXX XXXX XXXX, failed to address these issues, which were latent defects prior to occupancy. Despite this, they reported an unpaid rental balance to XXXX, which is now inaccurately affecting my credit report. There is no legal responsibility on my end, as landlord-tenant laws were breached due to habitability violations. 

I disputed the balance with XXXXXXXX XXXX XXXX and subsequently with my credit card provider. Most of the disputed amount ( {$4600.00} ) was refunded, but {$1100.00} remains rebilled. XXXX XXXX XXXX has since stated in their communications that they consider the matter closed. 

On XX/XX/year>, I emailed XXXX to dispute this inaccurate report and provided supporting evidence, including mold test results and photos. However, XXXX has not responded to my email or any follow-ups in the past XXXX weeks, and attempts to reach them by phone have been unsuccessful. 

This lack of response has caused unjustified harm to my credit. I am requesting that XXXX immediately correct the inaccurate information on my credit file to reflect that no balance is owed and that the account is closed in good standing.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where trnsactions settled with insufficient balances despite initially available funds. I believe these pratices are unfair and request an investigation into my account transactions.
Product: Debt collection

Contract Resolve Group XXXX XXXX XXXX, XXXX, Texas, XXXX, United States On Tuesday XX/XX/XXXX, XXXX XXXX called me on XXXXXXXX XXXX I asked the company for mail information on debt. I don't believe I owe that amount. XXXX yelled at me and told me that I was using stalling tactic. I ask he to do not call me again. He stated he will. At XXXX he called back and told me he was going to call back. Phone records showing back to back calls On Wednesday XX/XX/XXXX, at XXXXXXXX XXXX, A man how told me his name was " XXXX XXXX '' call me back. I stated again to cease and desist calls about debt. He told me that commercial debt he can all me all he wanted. Again, he was yelling at me. XXXX has record called. I felt scared and threaten because he has all my information. He stated my home address as well.
Product: Credit reporting or other personal consumer reports

Identity Theft and Financial Fraud Report I, XXXX XXXX XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX FL, XXXX, wish to file a report regarding a case of identity theft and financial fraud that occurred on XX/XX/2023. A credit of {$5300.00} has been requested with XXXX without my consent. The transaction is associated with the XXXX XXXX XXXX XXXX store at XXXX XXXX We need an itemized list of every fraudulent transaction Please upload your spreadsheet of fraudulent transactions. Be sure to include : date, amount charged, merchant name, and any other details about the transaction. 
Please list all the fraudulent transactions. 
Are you filing this report for documentation purposes only? Are you willing to testify in court and prosecute criminally? 
Tell us about your business Business name Business address Business phone number What is your title/role at the business? 
XXXX XXXX XXXX FL XXXX, where I have never been. Attached, you will find relevant documentation, including information provided by the financing company. I am willing to fully cooperate in any necessary investigation. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called and spoke to a Citizens phone rep on XX/XX/XXXX about closing my account. As there was a balance over XXXX in the account, he advised that as there is a limit to how much you can transfer from the account every day ( very small amount ), he provided instructions on how to request to close by mail ( snail mail, can not be email/fax etc. ). The instructions were to send a Signed letter from me which included my Account Number, Dollar amount, Address, copy of Drivers Licence. I was told I would get a check in the mail with all my funds within 10 days. I provided all this on XX/XX/XXXX. 

Today, XX/XX/XXXX ( almost a month later ) I recieved a letter signed by XXXX XXXX, Head of Checking, that I had not included a Notary Signature required on the letter. 

Why was this requirement not provided to me on XX/XX/XXXX? I believe this is a deliberate attempt to delay closing my account and transferring funds to me. This is the 3rd time I am trying to close my account and move my funds. But as Citizens does not have a branch in California, I am unable to go to a branch. It is now ridiculous that I still do not have my funds which are sitting at Citizens bank earning no interest where I could earn 5 % at another bank.
Product: Debt collection

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXX Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account XXXX  XXXX _ Date XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX
Product: Debt collection

On the morning of Tuesday XXXX XXXX, I was contacted by a representative of GreenSquare. He gave his name as XXXX XXXX. I have never done business with this company. When I asked the representative to please send any information by mail, he began to verbally abuse me, calling me a XXXX  XXXX  XXXX. I reported the incident to the company, along with my request for written correspondence of any debt owed, as I am not familiar with this company or any business I have with them, and did not receive any response as of yet.
Product: Debt collection

On XXXX XX/XX/2023, three letters were sent to IC System in XXXX XXXX, MN to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/2023 and signed for by a XXXX XXXX. As of today ( XX/XX/2023 ), I have not received any response from IC System as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).
Product: Debt collection

Every single day for the past six months, XXXX XXXX ruthlessly calls my phone various times of the day even after setting up promises to pay as well as payment arrangements towards my vehicle loan. One instance, I was harassed and mildly insulted by an operator on XXXX XXXX XXXX after calling them to pay them a full months + additional principal. The operator kept on vexing me to pay {$700.00} on a {$560.00} payment when I repeatedly told her I was only paying {$600.00}. The operator also failed to put in the right payment information and responded in a tone of voice that was very insulting. The operator after her was very helpful and pleasant to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.
Product: Mortgage

I was refinancing my existing Mortgage with XXXX XXXX of Arvest Central Mortgage. I was told that to lock the rate that an application needed to be completed and that I needed to have all three credit bureaus run by Arvest Central mortgage. On Wednesday XX/XX/2019 I informed XXXX XXXX that I had unlocked my third credit bureau ( XXXX ), he then informed of the current rate I would be locked at and then we discussed whether or not I would roll mortgage fees into the mortgage, come out of pocket for cash, etc., however I believed that my rate was locked for a XXXX year fixed rate mortgage at 3.375 % with no points to close ( actually a XXXX rebate point would be paid to me of a {$450.00} lender credit ). In my e-mail sent on XXXX XXXX PST I told him that I was fine with whatever mortgage balance would result in the refinance being a non-cash event for me ( no money out of pocket ). He sent me a final e-mail indicating that what I said made perfect sense on XXXX XXXX PST ( XXXX XXXX his time ) and that he would see if he could get an appraisal waiver. At this time I thought I was locked. The next morning XXXX emailed me with " today 's pricing '' which was much higher and indicated additional cost of {$1300.00} for me to get the same 3.375 % rate I was offered the previous day and believed I had locked. Please see the XXXX email strings attached that detail what I have just stated. I just want my 3.375 % fixed for XXXX years at the pricing they told me I had on Wednesday the XXXX. I did everything they asked which was fill out the application and run all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call this morning, XXXXXXXX XXXX on XX/XX/XXXX, from a XXXX with XXXX  XXXX XXXX XXXX XXXX She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through XXXX I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
Product: Debt collection

I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.
Product: Credit reporting

XXXX XXXX, XXXX Chase Credit resolution Dept. 
XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX To Whom It May Concern : Reference : XXXX business credit card account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above account was approved and began in XXXX of XXXX. As far as I can tell looking through the history of the account, it has never been late. 

In XXXX of XXXX, XXXX, my company was sold to XXXX and XXXX in XXXX Ohio. In XXXX of XXXX, I requested that the account be closed due to the sale of the company. I was told the final bill to close the account was {$130.00}. I paid the balance. I paid it on our company bank account that was closed by XXXX and XXXX and I had no idea the payment was returned. 

I was never notified by Chase that the payment was returned insufficient funds. In XXXX of last year, I saw an alert that my credit had changed. It was the first time I had any notice whatsoever of a problem with the above account. I immediately called customer service at Chase and was informed that my final bill had ballooned to {$470.00} with late fees and interest charges. After speaking with several people that were not helpful at all, I was transferred to a lady by the name of XXXX XXXX XXXX XXXX XXXX ) who agreed the charges were uncalled for. She lowered my bill to {$360.00}. I paid it immediately on the phone with a credit card. Still unconscionable, but I had no choice since these unwarranted late notices had been reported to all XXXX credit bureaus. I could not allow my credit to suffer any further. After XXXX did everything she could for me, she transferred me to XXXX who represented herself as being " in charge '' of customer service for Chase which seems very suspect since she did n't have a customer service XXXX in her body. She refused to repair the mistakes made from this situation to the XXXX credit bureaus on my behalf. 

The result is this : This account was open for 8 years with never XXXX problem. Hundreds and hundreds of thousands of dollars were run through that account in those 8 years. 

When the final payment was made to close the account and it was returned ; I was never notified by Chase. When the company was sold last XXXX, I deposited {>= $1,000,000} from the sale into a Chase Money Market Account. It is still there today. ( see attached ) There is no viable argument that they could n't find me to notify me. It also makes no sense whatsoever that I would n't want to pay my last bill on this account for {$130.00}. 

XXXX can only surmise that these are bank policies designed to rack up absorbitant fees and by also reducing XXXX scores with inaccurate data they force consumers to pay higher interest rates. 

I demand my credit be corrected to reflect my accurate payment history with your company. I should not be charged with late payments and face the resulting drop in my credit scores due to your negligent ability to notify me. Your own employee agreed otherwise she would not have adjusted the late charges. 

XXXX XXXX XXXX I 'm happy to provide more identifying information on this situation or attachment if someone wants to call me
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and TransUnion LLC Re : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( A ) I am writing to inform you that I am a victim of the data breach that occurred at XXXX in XXXX, and The XXXX aka XXXX XXXX XXXX XXXX of XX/XX/XXXX, As a result I am requesting that you take immediate action to protect my personal and financial information. 
Because of this breach I believe the following inquiries were allowed 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 Pursuant to 15 USC 1681c-2 ( A ), I hereby request that you block and delete all accounts associated with my name and personal identifying information. This includes, but is not limited to, any credit accounts, inquiries, and other information that may be contained in my credit file. 

I would appreciate it if you could expedite this request and confirm in writing that the block and deletion have been completed. Please send a copy of the confirmation to the address listed above. I have submitted proof of both data Breaches swear under pains and perjury that I was in fact infected and the following inquiries are infact Fraudulent Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I'm looking to get removed for fraud on these accounts. if they were open with my consent my card was definitely used without my consent putting me in the hole i am now in.