23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my second complaint about this company. 
I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated. 
As before i sent a written noticed to the company listed above on XX/XX/2019. 
The letter was signed and received on XX/XX/2019. 
I have yet to receive any verifiable documentation from the Credit Systems International. 
I also disputed this with XXXX  and XXXX. 
the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.
Product: Mortgage

XXXX I changed insurance carriers. The new carrier, XXXX, did not start service until XXXX, a lapse of one week. 
XXXX Rocket Mortgage received the new one year homeowner policy from XXXXXXXX XXXX. The new insurance is valid from XXXX to XXXX. 
XXXX Rocket Mort. informed me that I was being charged {$65.00} for the one week lapse in insurance. 
XXXX I paid the {$65.00} insurance fee along with my normal monthly payment of {$1900.00}. 
XXXX I talked to XXXX in Customer Service at Rocket to verify that the insurance matter was settled. She assured me that all was ok. 
XXXX I received a letter from Rocket that stated that they have purchased insurance for my loan and that I must pay escrow the sum of {$710.00}. 
XXXX I also received notice from my bank that my credit rating had been lowered from XXXX to XXXX because Rocket submitted a Notice of Default. The default was that I had not paid their insurance fee. 
XXXX I have called Rocket Morgage three times to try to settle the matter and let them know that I have insurance on the property. I am getting nowhere because the escrow dept will not talk to the insurance dept and neither one communicates with the customer service. They keep moving me from one department to the other and nothing gets resolved. 
XXXX The escrow department wants me to purchase insurance through them which is twice what I am paying to XXXX. This is just another money grab for higher fees.
Product: Credit card or prepaid card

I have an active Citibank Card ( Costco Anywhere Card ) that I pay the balance on every month via electronic funds transfer through XXXX  XXXX XXXX XXXX 's bill payment feature. 

I also have an old Citibank account that has been closed for many years, however, it remains on the bill payment page for my bank. 

I scheduled my payment to Citibank and failed to realize I sent it to the old closed account. I realized it when my active account had a late balance. I immediately paid the amount due on the open and active Citibank account and called my bank to see what could be done. 

My bank said they can do nothing. We must contact Citibank. We reached out to Citibank by phone several times and they tell us they can't find the account. I have the confirmation information from the bank that it went to Citibank and connected to that account number. They said they can not help us. So Citibank has a {$1100.00} payment they are not due, and will not provide any assistance. 

Can you please provide assistance in getting this money returned? It was paid to a closed account that has not been active for years. The amount due has been paid in full to my open Citibank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to remove a few hard inquiries that was not made by me! 

The customer service department refused to. 

The inquires that need to be removed are : XXXX XXXX, XXXX XXXX, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Inquiries : 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  ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Capital One now requires login with personal information including social security number. 

This is an extraordinarily bad idea. 

Anyone could set up a similar site and grab personal information.
Product: Debt collection

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Director - Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & CEO XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX Re : CFPB XXXX XXXX, XXXX ac XXXX Dear Sirs : This is in reply to the XXXX XXXX, XXXX entirely disingenuous XXXX CFPB response. On account of XXXX persistent and pervasive fraud and resulting measurable harm XXXX XXXX is requested to immediately email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd that any credit report negative comment has been removed for the below reasons. 

The XXXX XXXX, XXXX XXXX response by deliberate implication denies the recorded XXXX XXXX, XXXX XXXX 6.59 minute phone call. Thus, this denied call was apparently fraudulent, initiated by an individual other than XXXX customer account supervisor XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT required 60 payments of {$460.00}. XXXX email ratified with confirmation # the 60th, last and final payment received XXXX XXXX, XXXX. 

The XXXX XXXX, XXXX XXXX response On XXXX/XXXX/XXXX you called to acknowledge receipt of payment history via email deceptively implied this 37th time ( Principal * Rate * Time ) email payment history request calculated and  totaled in a business-like manner its alleged due {$740.00}. XXXX perseveres in refusing calculated and totaled Principal * Rate * Time. 

A matter of record prior to its XXXX XXXX, XXXX letter XXXX, allegedly another XXXX employee ( prior calls it was XXXX ) supposedly, again maybe factiously called using phone # XXXX on XXXX XXXX, XXXX @ XXXX and XXXX XXXX, XXXX @ XXXX. In fear of my recording of all phone calls XXXX left no message. 

Part of one of my many recorded phone calls is repeatedly transcribed as of recording phone conversations XXXX cant permit thatare you recording the phone call nowno no are you recording this phone call XXXX agents prejudicially insist in recording phone calls for training and now proven other purposes. XXXX refusal to permit the borrower recording calls cunningly gives camouflage for its total deception and self-aggrandizement as communicated in its XXXX XXXX, XXXX response XXXX prides itself on providing the best possible customer service experience. 

Since XXXX XXXX, XXXX there have been 37 email requests to XXXX, many to you XXXX XXXX, for XXXX to substantiate its {$740.00} calculation. The XXXX XXXX, XXXX letter does not calculate {$740.00} using the universally accepted formula Principal * Rate * Time. {$740.00} presents as vindictive imagination intended to harm. 

XXXX XXXX please respectfully email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd, that you have removed any negative credit report status/comment. Thank you. 

Yours truly, XXXX XXXX
Product: Credit card or prepaid card

I Paid USAA XXXX for a credit card payment electronically ( initiated from USAA ) from my XXXX XXXX Checking account. The amount cleared my bank onXX/XX/XXXX2017 and shows it being deposited to my account in USAA Credit card. The Credit Union will not release the funds until XXXX or XX/XX/XXXXto credit my account, because, as the executive problem resolver informed me, " Your funds are being held up by the Federal Reserve ''. They could not give me any formal written policy that says that this is allowed with my Credit Card Agreement. The Federal Reserve informed me that they " do n't hold funds '', and told me to contact this agency.
Product: Credit reporting or other personal consumer reports

I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to shpw it from my report.
Product: Debt collection

A collection debt suit was filed against me in XXXX county court in the amount of $ XXXX was scheduled a trial by judge via XXXX  on XX/XX/XXXX. I. was present for this trial which was by teleconference, the plantiff and also a court clerk were present, but no judge was present.I had made available documents of proof to the court showing that I'm not liable for the debt in question. I had previously disputed it with XXXX, XXXX  and XXXXThey contacted the creditor in reference to the dispute, and it was deleted from my reports.During the teleconference trial the plantiff used scared tactic questioning, disregarded the documents I had made available and stated that XXXX  resolve of my dispute was not sufficient and invalid. He threatened me, by implying he would put a judgement on me if I did not own up to this invalid debt
Product: Checking or savings account

I received a letter from Chase to inform that they are closing my accouts due to " unexpected activity in these ir another Chase account. '' Ive tried at all possibile to find and cure this " enexpected activity '' but I have no answer from Chase of what is it and what documentation they would need from me.

As Chase is my only personal and business bank wich I have 5 total credit cards ( 4 personal 1 biz ) its negatively impacting my life and bussines. It`ll also bring a financial hardship as I have to move it all to another institutions impacting in a lot of new hard inquires, time to get credits reinstated and it all.
Product: Debt collection

I am a natural person sending this notice by my self Correction of billing errors on my open ended credit plan The a ledged debt is {$970.00} I have been a member with CITI CARDS since XX/XX/XXXX I receive a statement each month that is incorrect I was born with a bond that secures all my public debts a.k.a open ended credit plan I am simply demanding a correction My account from CITI CARDS is an open end credit plan. 15 U.S. Code 1602 ( j ), an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.

12 U.S. Code 84 Lending limits ( 4 ) Loans or extensions of credit secured by bonds, notes, certificates of indebtedness, or Treasury bills of the United States or by other such obligations fully guaranteed as to principal and interest by the United States shall not be subject to any limitation based on capital and surplus.

18 U.S. Code 8 Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class  action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting or other personal consumer reports

I have not received my annual credit report from Certegy. I want Certegy to send and mail me a complete copy of my Certegy Consumer Report.
Product: Debt collection

Received communication by mail XX/XX/2021. Numerous violations. 
15usc1692e ( 3 ) 15usc1962e ( 2 ) ( a ) 15usc1692j ( a ) 15usc1692e ( 10 ) 15usc1692g ( a ) ( 3 ) ( 4 ) ( 5 ) 15usc1692k ( a ) 15usc1692f ( 7 ) 15usc1692e ( 4 )
Product: Checking or savings account

Checked my checking account balance with XXXX and noticed 2 ACH withdrawals were made, one on XX/XX/XXXX and one on XX/XX/XXXX for the same amount. Only one was authorized. XXXX put that amount of money back into my account and has since reached out to XXXX XXXX  to recoup that amount. XXXX XXXX returned only one withdrawal, they claim to having no other ACH request, so XXXX XXXX used my reserve money to pay my mortgage, however I am still out the second ACH withdrawal. Neither bank is willing to help me recoup {$1600.00}. XXXX states they have proof that the request was made by XXXX XXXX  and that both ACH withdrawals were received. XXXX XXXX states they show no other XXXX withdrawal except for the one they returned to XXXX. So for 8 hours, 4 of those hours were spent driving back and forth between banks the last 4 hour spent between both banks being passed off to different departments who couldn't and wouldn't help yesterday I went back and forth with both Banking institutions and neither will help me recoup my money. Both banks want the other to investigate, and I just want my money. I am exhausted, I have done my due diligence and now I want the institutions to do the same.
Product: Credit reporting

I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!
Product: Credit reporting or other personal consumer reports

The information is correct except there is a name by XXXX XXXXXXXX XXXX Which its not me.
Product: Debt collection

Good evening, I see that XXXX XXXXXXXX Portfolio Recovery Associates sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a credit card for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXX  in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the XXXX Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to XXXX to make sure to they receive my complaint about this account that should deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers 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 a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau sent me an email stating that they had system issues with their Boost product. The failed Boost product kept removing information from my credit report. I called numerous times and Experian refuses to fix this problem but kept reducing my credit rating. 

Experian Credit Bureau reduced my credit rating which resulted from their failed Boost product. Additionally, Experian keep repeatedly removing credit information showing payments that I had made. I filed a complaint with the XXXX XXXX XXXX  ( XXXX XXXX XXXX ) and they failed to respond to the XXXX XXXX
Product: Vehicle loan or lease

I signed a Retail Installment Sale Contract on XXXX, as well as a GAP contract. The contract that I signed was to finance a XXXX  XXXX XXXX for a finance amount of {$26000.00}, with an interest rate of 15.95 %. The GAP contract was for {$660.00}. The car dealership contacted me weeks later stating that they needed me to pick up additional paperwork, which appeared to be the same paperwork. I was on a lunch break at the time and did not have the original papers on hand, and was also going through an unexpected death of a toddler in the family. When I got home I did not look at the original paperwork as it all looked to be the same. Now looking back at the paperwork the second set of paperwork has the same deal # on the sales contract, but the financed amount shows {$25000.00} with an interest rate of 18.95 %. The GAP contract has a different debt cancellation agreement #, and the second contract has a price of {$700.00}. I have been paying on this loan for over XXXX, and the company that financed the vehicle is stating that only {$950.00} has been applied to the principal balance, and all of the other money that I have paid has been applied to interest. I did have some hardship deferments due to XXXX, being out of work without pay, over the XXXX. However, the dealership also agreed that even with a much higher interest rate and many more deferments it is not legally possible that my current 10-day pay off amount for this loan can be less than {$100.00} of the original finance amount for the same loan. This loan has never been refinanced, and there is nothing in the original contract that would reflect that I would have paid on this loan for XXXX with this being the final result. There is something about this loan that has to be illegal, as it is designed to keep the consumer trapped into paying an excessive amount for a vehicle that is triple the amount than what the vehicle was worth at the time of financing, and the employees of the finance company have even stated to me that this is the worse kind of vehicle loan that anyone can have. I would be surprised if there was not some type of lawsuit against this company for this same type of issue. I have been under a great deal of stress due to being trapped in this contract. I have paid over $ XXXX in payments on this loan and the finance company is still stating that I owe {$25000.00} for a 10-day pay off on this same loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C
Product: Money transfer, virtual currency, or money service

On XXXX my Chime account was closed. I did not receive any notification from Chime stating that my account would be suspended. I reached out to Chime to request my funds be sent back to me as a check. Chime has given me the runaround stating that due to my account not being in direct deposit standard. They had to close my account. They have repeatedly told me it was due to fraudulent activity. I have provided proof that my account was in good standing. This matter hasnt been resolved yet. It has been four years since this has happened. Also in talking with the Chime member service team Ive been hung up on. They havent been willing to give me any information about my account.
Product: Credit card or prepaid card

On XX/XX/2019 I received an email stating that they were closing my account for some section D 22 violation. When I tried to call the company I wasn't allowed to get on my account to talk to anybody I couldn't get past the menu to even pursue help. I then called American Express they transferred me I was speaking to a gal she hung up on me. I called back several times got the same treatment that I had done something wrong. I finally got a hold of someone in the company to discuss what section d-22 is and what violation is it they would not tell me what it was my whole paycheck was deposited on XX/XX/2019 I asked them to please at least give me half of what is on my card so I can feed my children and pay my bills they refused to give me any money and I had to wait for 14 days I hung up I called back again same thing I'm trying to get my paycheck for two reasons feed my kids pay my bills and to get my son 's ashes so I could lay him to rest and this company is not telling me what vile this violation is won't discuss anything with me and tell me there's nothing they can do for me that is my paycheck they're withholding from me they're holding it hostage why I get my electricity turned off I am unable to pay my bills and feed my children very unfair I work hard for the money I get and for them to take it from me so I can not provide for my family is not okay