23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Around  XXXX   XXXX , I paid off my  XXXX   XXXX  account with a Balance Transfer from another bank. Too much was paid and therefore left me with a credit at  XXXX   XXXX  of {$130.00}. I was going to charge something to use that balance up. Several months later when I checked my account that balance was no longer there. I called  XXXX   XXXX  and they said they mailed a check. I NEVER could find this check and finally in  XX/XX/XXXX  called and told them that. They checked and said the check had cleared the bank. I told them I had not r eceived this check could they please send me a copy of the back of the check to verify my signature. Around  XXXX   XXXX  I received the copy of the check. Not only did the check NOT have my signature on it, it did NOT EVEN HAVE MY NAME!!!! I immediately called  XXXX   XXXX  to let them know that I had not received the check and I assumed it was stolen from mailbox and someone else had endorsed and deposited it. ( Or could it possibly be they never mailed it an d one of their employees took it as I had them compromise my card once??? ) I then called Citi Bank and talked to an idiot who told me there was nothing she could do but maybe I could take the check to one of their branches. I told her there were NO Citi Bank branches here. Did she want me to go to NY? She said, Yes, I could do that. I then asked to speak to a supervisor in the USA.  She informed me that it was  XXXX   XXXX    XXXX   job to file a fraud or forgery claim. I then called  XXXX   XXXX  back and asked for a supervisor in the USA. I talked to a very nice woman who put me on hold while she did contact their fraud dept. They told her they do NOT do that! She had me on hold several times as she checked with several different departments. She told me that each department said there was nothing they could do as they had paid the check and this was Citi Banks issue!! Between these phone calls, I was on the phone over  2 h  ours and got NOWHERE! I am out {$130.00} and I did nothing wrong but overpay an account. Citibank, on the other hand, committed an illegal action and is taking responsibility for nothing!! Can you help me??
Product: Debt collection

On XXXX XXXX I became aware that XXXX/RESURGENT RECEIVABLES violated Regulation F subpart B 1006.6 communications in connection with debt collection. XXXX/RESURGENT RECEIVABLES did not receive consent to access my consumer report nor had express permission of the court. XXXX/RESURGENT RECEIVABLES communicated with me thru my credit report and it unusual and inconvenient. I later received some correspondence with a statement and coupon from another company. XXXX/RESURGENT RECEIVABLES has violated my privacy and I fear that my private information has been sold or told to parties I have never agreed to contract with. The original creditor is not listed, and I have no knowledge of this account. I REFUSE TO PAY THE ALLEGED DEBT & I DEMAND THAT ITS DELETED AND REMOVED FROM MY CREDIT FILE. XXXX/RESURGENT RECEIVABLES is to cease and desist any collection activity on this account. WHERE IS THE CONTRACT BETWEEN ME AND XXXX/RESURGENT RECEIVABLES? HOW MUCH WAS THE DEBT AQUIRED FOR? WHO BOUGHT THE DEBT? Where did you receive permissible purpose to report anything or access my file? XXXX/RESURGENT RECEIVABLES violated 15USC 1681b2 at least 3x by reporting this disputed debt without my express written permission to XXXX XXXX AND XXXX. XXXX/RESURGENT RECEIVABLES has violated 15USC 1692 and will be held liable under 15USC 1692k and 15USC1681Nb.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I have sent the credit bureaus ( Transunion, XXXX & XXXX ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.
Product: Credit card or prepaid card

Interest free promotion ended earlier than I was told. I am current on my payments, however I requested from the store the terms of conditions for which this account was opened. I am now responsible for {$4000.00} in interest. If this is indeed the case, I would like to have the terms and conditions that I signed. The store and the financing company have not been able to provide, after numerous requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXXXXXX XXXX XXXX XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with Fair reporting act XXXX Accounts 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

Hi I have used Chime mobile banking since 2019. Just a few months ago I noticed weird charges and every time I tried to dispute the charges, chime would cancel my card issuing a new one and then they would deny all the disputes and give nothing back. 
I have called them, emailed them and more. They absolutely don't want to help me at all. I also called about why my disputes were denied and they said they seen no errors. Then I told them I need those disputes returned. I have had issues with my Identity that was compromised and I am in the process of fixing it with social security and credit bureaus as well. I even filed my XXXX cyber complaints cause anytime its cyber related they told me a police report can't be done would have to do an XXXX so I did. 
I noticed a week ago Chime just automatically closed my accounts with out notice or any other detail. totaling {$11000.00} dollars or more to be returned to me. 
I keep trying to reach a chime and tell them to call me and they keep ignoring me. sending me emails saying we will have someone in support will contact me but they do not. 
I also tried to call my chime card and log into it because they logged me out of my account and it says my accounts closed. I also have pending deposits on there including my sons XXXX I had to call them to fix that. I have my business connected for pending deposits. 
I have been trying to take care of these disputes from last year and this year there was only a few that I told chime that are automatic payments like my daughters XXXX XXXX martial arts and my sons XXXX for his XXXX  deposits. 
They won't communicate back they won't do any of my disputes and such. I am just trying to get what is owed to me back. including my {$9700.00} dollar income tax that was deposited as well. and I noticed it was being used as well. 
I have screeshots of all I am trying to do and tell them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with GM Financial from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 TransUnion charged me XXXX dollars for a free account to freeze my credit. I thought they just wanted my card info to confirm my identity. Then when I called to get my money back, they kept telling me I was eligible for a {$100.00} Gift card if I paid XXXX dollars. I kept saying no I just want the {$24.00} refunded. Not once did I say I wanted the gift card. They charged me for the gift card anyways. I feel scammed. I know what an advance fee scam is. They used the info they already had on me to charge me without my consent. Twice.
Product: Mortgage

I contacted Penny Mac Mortgage because was getting my house refinanced on XX/XX/XXXX. When I went through the automated to check my insurance dates it said that I had an XXXX home insurance policy and that it was still good. When I called XXXX to get a declaration page for the new bank, they informed me that my policy did not renew in XX/XX/XXXX and they sent XXXX XXXX a letter. Hence, they advised that I was sent XXXX too. I told them during the covid pandemic, last year there was a time I did not get mail. On XX/XX/XXXX, I contacted XXXX XXXX back and they advised they received the letter from the insurance company and did nothing. I could not get any insurance no matter where I called due to a lack of coverage for almost a year. After getting insurance from the Virginia Plan which does not include but XXXX in personal property, there is nothing else I could get. On XX/XX/XXXX, I spoke with XXXX XXXX who is a supervisor. She researched everything and advised that her company was liable and that she would reimburse the {$1800.00} that Penny Mac charged me for the lapse in coverage and assist with the personal property coverage. She told me to give her some time and she would give me a callback. After failing to reach her for several weeks, I asked to speak with her supervisor on XX/XX/XXXX and she took my call. She advised that her supervisor approved the request on XX/XX/XXXX and went on for final approval and was denied on XX/XX/XXXX by XXXX XXXX. The reason being is they are not responsible to notify me when insurance is lost.
Product: Debt collection

I disputed an entry on my credit file listed " XXXX XXXX ''. After being a victim of identity theft in XXXX, weird things begin to show on my credit report. This was one of them. I provided a police report to XXXX and the current collection agency at that time, XXXX  so the theft of my identity. The fraud account was removed from my account XX/XX/XXXX. I received an alert on my XXXX report on XX/XX/XXXX that a collection was added. I checked and it was an " HP SEARS ''. I called and they told me the above mentioned debt was sold to them. How when it was removed as fraud? Not to mention, it is my understanding that medical debt can not be added to your credit report anyway. Sounds like this is illegal and fraudulent as I did my due diligence for years to get it removed. I have since re-disputed this entry on all my credit reports. XXXX was the only one that honored the fact this has already been identified as fraud and removed it again. Please have HP Sears remove this illegal collection as it has been previously removed by all XXXX credit bureaus and resolved.
Product: Debt collection

This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}
Product: Debt collection

the suv was repoed and sold and the dept was taking cared of this shouldnt be reporting to any of my reports and the info is inaccurate please remove it asap
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against XXXX Experian, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to express my concern and formally file a complaint against XXXX, Experian, and XXXX for potential violations of the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), the Gramm-Leach-Bliley Act ( 15 USC 6801 ), and the Code of Federal Regulations ( 12 CFR 1016.7 ). According to the Fair Credit Reporting Act, consumer reporting agencies such as XXXX XXXX Experian have a responsibility to handle their duties with fairness, impartiality, and a deep respect for a consumer 's right to privacy. I am that consumer, and I have not consented to the sharing of my private information. This protection is reinforced by the Gramm-Leach-Bliley Act, which also declares that all financial institutions, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Per 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer involved. I confirm that I have not provided written consent to XXXX XXXX XXXX XXXX XXXX XXXX  to furnish or report my personal information. I hereby revoke any and all forms of consent that may have been previously given, in any form, including verbal, non-verbal, written, implied, or otherwise. In violation of 15 USC 6802 ( b ) ( c ), I was never informed of how I can exercise my nondisclosure option by these entities. Furthermore, an adverse item has been reported, which is in violation of 15 USC 1681C ( a ) ( 5 ) as it antedates the report by over seven years. Moreover, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e, inaccurate information should not be furnished, and reasonable procedures should be maintained to avoid violations. It appears that XXXX and Experian have not complied with these mandates. Lastly, I am exercising my right to opt out at any time, as stated in 12 CFR 1016.7. I am choosing to opt out of the reporting services of XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX..furthermore XXXX statue of limitation code is 34-11-2-7 and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana and it has been 8 YEARS & they still have not removed the account after i put it under dispute the statute of limitations 15 U.S. Code 1692k - Civil liability in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I respectfully request the Consumer Financial Protection Bureau to investigate these matters and take the appropriate actions to rectify these issues. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/19 I had sent a certified and notarized letter to Nelnet which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Product: Debt collection

I've attempted countless times to inform LVNV that i do NOT wish to be contacted, instead LVNV gave 2/3 other debtors my information without my consent and violated the FDCPA. Due to this and the stress this situation has caused me i am sending this letter as a pre-arbitration demand letter under the cardholder agreement attached to this supposed debt LVNV has acquired. I will attach the demand letter here but if i do not receive contact at my phone number XXXX OR email XXXX from LVNV in the hopes of settling our disagreement within a 5 BUSINESS DAY period. I will submit this letter to the XXXX XXXX XXXX and we can handle it with an arbitrator or mediators assistance.
Product: Credit card

PayPal pay in four offered a no impact to credit score application. I completed it and my credit was run without my permission. This is also unfair due to the no impact to score language. I called synchrony bank and PayPal and they both denied the credit pull yet its on my credit report. I was told I had an older PayPal smart connect account which is also not true. This all concerns me. I need the hard pull removed and they cant even find the application. One rep thinks its a PayPal credit application. I even received a letter in the mail and they still deny it,
Product: Debt collection

I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. 

Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection