23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

GB Collections LLC attempted to collect an amount of money improperly billed by a legal firm to me.

For legal services provided by XXXX XXXX XXXX, I was billed {$31000.00} in addition to the XXXX XXXX i already paid this firm. 
I informed them that the billing statements they provided me contained # 1 - Billing for unneccessary work. For example engaging in negotiations I did not authorize, billing for 2 attorneys time, when I requested and the agreed to use the services of a junior attorney to complete tasks, with holding information regarding precedent rulings that would have streamlined the negotiation process in my case. My case was so poorly handled that days after I discharged XXXX XXXX XXXX from my service, the apposing party approached me with a standstill agreement and stopped their most recent line of harassment in the form of threats to take away my rental permits. 

# 2 Overbilled for time for phone calls made to me, for which I have records.

# 3. Did not give me phone records validating time spent on phone calls made with third parties on my behalf.
Product: Checking or savings account

On XX/XX/2024, I received to back to back emails regarding my credit karma money spend account. The company informed me that my account would be frozen with no further information. I immediately called, and while waiting on hold, less then 5 mins after the two previous emails, I received a 3rd email stating my account would be permanently closed. When I finally got someone from the bank on the line, I was informed my account was closed. When I asked the agent why, they said it was an internal decision and they had no further information. I was disconnected. When I called back and demanded to speak to someone regarding my account closure, I was told that they would issue a check after the closure process which I was told would take 7-10 business days. I call everyday, and get the exact same answer with zero email correspondence ( as promised ) from credit karma bank. On Monday, XX/XX/XXXX, I called XXXX  XXXX, the parent company of credit karma bank. After giving the woman all of my information, she said she would look into it and give me a call back. I have not received a call back. I was an account holder for 4 years, used the account on a daily basis, never had a negative balance and received direct deposits in the account from 2 sources. Account balance was a little over XXXX XXXX at time of clousure.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through XXXX which is connected to my Chase bank account. I sent four separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using XXXX through Chase. Two weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I immediately contacted Chase and spoke to two reps including a supervisor. The first rep said they will file a claim with XXXX which they claimed they would submit, however both the first rep and supervisor said they can not do anything else and will not return the funds to my account since I authorized the payments through XXXX ( despite having used the service via Chase ) and had no recovery rights and referred me back to XXXX. I was then directed from XXXX back to Chase 's fraud department and spoke to a third rep who took all of the information I had to give and directed me to consumer protection, who referred me back to the fraud department. The fifth rep I spoke to then said they would be sending my claim to XXXX on the next business day reiterating that's all they could do. Less than 24 hours later I received a notice from Chase stating no action would be taken and they closed my claim. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Chase has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations by refusing to take responsibility and blame the " third party service '' they directly promote and make available. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.
Product: Consumer Loan

I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.
Product: Checking or savings account

IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including XXXX XXXX, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from XXXX XXXX  was added to my credit report, which is inaccurate. I filed a dispute and called XXXX XXXX, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is XXXX XXXX.
Product: Debt collection

There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX and TransUnion are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX nor did XXXX XXXX XXXX XXXX make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to XXXX XXXX XXXX XXXX making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified entries that appear to be inaccurate, unverifiable, or incomplete. These discrepancies need to be addressed to ensure the accuracy and integrity of my credit file. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ), you are required to maintain and report 100 % accurate information. I am requesting a thorough investigation of the items in question to verify their accuracy and validity. If they can not be fully verified, I ask that they be promptly removed or corrected as appropriate. 

Attached to this letter, you will find copies of supporting documents to assist with your investigation. Once the review is complete, please provide written confirmation detailing the actions taken and send me an updated copy of my credit report. 

Thank you for your immediate attention to this matter. I look forward to a resolution and appreciate your efforts to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both Equifax and XXXX XXXX still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.
Product: Vehicle loan or lease

I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan. 

This loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit card

I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone got an apartment in my name without my knowledge & now I am being charged for it & it is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry on my credit reports on XX/XX/2022.
Product: Debt collection

On XXXX XXXXXXXX XXXX, I receive a letter from United Collection Bureau XXXX, trying to collect a debt I do not owe. On XXXXXXXX XXXXXXXX XXXX  I, responded back to this company Requesting full Validation of this XXXX. On XXXX XXXX, XXXX I received a response, from this company in the response was a letter stating that they have forward me the documents I requested. After reviewing the documents they forwarded me, they failed to Validate this debt pursuant to FEDERAL LAW 12 CFR 1006.34 and the Fair credit reporting act and the Fair debt collection act. Furthermore, the only documents they forwarded me was a bill statement with an address that I, have no knowledge of, along with a print out with inaccurate information such as an inaccurate address, phone number, social security no, and phone number. I forward this company a copy of a XXXX XXXX police report, and a federal trade commission Identity thief report, and a identity thief victims complaint and affidavit signed and notizaried. I explained to this company that I was a victim of FRAUD ... ... AND THAT THEY MUST CEASE ALL COLLECTION.
Product: Debt collection

I did not receive any notice of this debt showing on my credit report until I seen my credit drop due to this unrecognized debt occurring on my credit report. I had no prior knowledge I had owed debt.
Product: Credit card or prepaid card

I have another identity theft situation American Express blue bird refuses to close an unknown account. I have been non stop receiving emails, notifications from American Express blue bird. So these fraudsters open accounts using my personal information. Then the real person calls in says they do not recognize activities or account, do not I repeat I said never created an account never created an account, are they going to do anything by recognizing that I am saying never created account. But American Express blue bird is very flat, will not do anything by providing to authorities never created. Just because I said I am able to identify myself as XXXX XXXX. Let me get something straight someone has my personal information. Uses, creates accounts in my name, then in turn I call in to report,, because I am able to say who I am because this person has my identity. Companies hold me responsible for this person creating this account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Product: Debt collection

Called ARS ( Account Resolution Services ) about 2 medical bills to work on paying off. 
after I called they told me that I owed almost XXXX even thou on the credit report the two bill are XXXX and XXXX. They can not show me proof of all these nor will they remove the others from my credit. I'm not goin to pay for items I never got or received just so they can make more money. the interesting thing also is that they show to have two accounts at the XXXX and two at the XXXX and then these few random small amounts. it looks like they just copied/duplicated the bill and changed account number just to collect more. why do you keep letting the scam artist stay in business.
Product: Debt collection

In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit card or prepaid card

I am reissuing my dispute against Citibank Home Depot Credit Services Citi Reference # XXXX. I am still trying to resolve this issue with the company. However, after filing complaint with your offices they finally provided me with letter dated XXXX. Four months after they apparently sent it and three months after the XXXX date to continue a dispute with the company. They also attached paperwork for a completely different customer from XXXX XXXX while I live and have lived in XXXX XXXX since XX/XX/2015! 
I am attaching all documents they sent for proof of someone else 's info sent to me. As a further addition to this statement when I supplied initial documents I sent photos that wood was warping, splitting they was barely put up within a few weeks. When I showed these photos to store managers they even stated that kind of damage should only occur after a few years not a matter of weeks. 
What is worse is I paid someone roughly {$500.00} to paint the fence and have had to go back and fix what I can on my own
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently address the unauthorized inquiries on my credit report, as they're causing me distress and were not approved by me.