23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX  {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Checking or savings account

I had a checking account and lost my debit ( card ending in XXXX ) and had someone buy XXXX and gas. Citibank closed my account because of this and not allowing me to reopen it. This was a fraud situation. 

Also, they have reported me to XXXX and I am not able to get another account because of this negative remarks. I am asking to be removed from this system and able to open an account some where.
Product: Credit reporting or other personal consumer reports

I m a Authorized user on two of my cousin account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have tried on two ocasion to contact Experian reporting agency i talk to a customer service both time they say it will be fix and it still not. i contact the first time in XX/XX/ and then in XX/XX/ and they continue to refuse to correct. My XXXX and XXXX reports both have my total revolving credit at XXXX where as experian have me at XXXX total balance.
Product: Bank account or service

They cashed a check and did not inform me of the possibilty of a hold. 
Two days later there is hold on the check. They send me an email two days later. 
In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. 
That causes a negative balance and overdraft fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative information that has been reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information.

As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I am requesting that you provide me with proof that the creditor sent the required notices to me before or within 30 days of furnishing the negative information to your agency. Specifically, I am requesting documentation that verifies the following negative information was furnished in compliance with the FCRA : [ ACIMA DIGITAL FKA SIMP ] Additionally, I request that you verify that this information was properly validated before being furnished to my credit report. If the required notices were not provided as stipulated by the FCRA, I request that the negative information be promptly removed from my credit report. 

Please consider this letter as a formal dispute of the negative information reported and provide the requested documentation within the time frame mandated by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

Select Portfolio Servicing is the loan servicer of my primary residence mortgage and the investor is XXXX XXXX. I fell behind on my mortgage because I ran out of money. In XX/XX/XXXX, SPS offered a loan modification but I could not afford the amount. In XX/XX/XXXX, I got a new job paying 45 % and could finally afford the mortgage. Shortly after in XX/XX/XXXX, I began making monthly payments. I applied 3 times for a new loan modification but have been rejected every time even though I can now afford the payments. I am about {$65000.00} behind on payments and requested for SPS to balloon the payment at the end of the loan so I could have an opportunity to become current but they refuse to do so. I don't know what else to do and I need to keep my home to live in with my wife and kids so I am asking for help. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights! 

Account : XXXX XXXX XXXX I spoke with a representative from XXXX and they agreed to remove this account from my report. I have disputed this with Transunion multiple times and they have done NOTHING! 

I have the legal right to sue Transunion now. There are also inaccuracies on this account! 

Last Verified Date -- Does NOT match XXXX OR XXXX! 
Date of Last Activity -- Does NOT match XXXX OR XXXX! 
Date Opened -- Does NOT match XXXX OR XXXX! 
Date Reported -- Does NOT match XXXX OR XXXX! 
Account Rating -- Does NOT Match XXXX OR XXXX! 
Late Payment Dates : DO NOT MATCH XXXX OR XXXX! 

Each inaccuracies carries a {$1000.00} fine against Transunion in court. 

I am in my legal right to sue Transunion for failure to remove this account!
Product: Debt collection

A letter was received from Midland Credit Management, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX which stated that XXXX XXXX owed {$280.00}. It states the debt was from XXXXXXXX XXXX XXXXXXXX XXXX When called ( XX/XX/XXXX ), MCM asked for personal information from XXXX XXXX ( I have been XXXX XXXX since XX/XX/XXXX ). I declined to give it. However, they appeared to actually have my SSN. Perhaps it's from a hacked account of some kind. 
Their phone number is XXXX. I have never had an account with XXXX XXXX or XXXX. 
The person taking the call at MCM identified himself as XXXX XXXX. His accent sounded possibly as being from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXXXXXX XXXX XXXX ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXXXXXX XXXX XXXX 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXX-Experian-XXXX  XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and Experian. I will upload docs. I DISAGREE WITH THEIR INFO
Product: Checking or savings account

In late XXXX I seen a charge for XXXX to my account I called chime said I did not no what that was and that my debit card has never left my site n Noone has ever had access to it I live alone.

They gave me provisional credit n I was satisfied they said I had to kill my card I said that wasn't necessary but agreed on XX/XX/XXXX they took credit back. Said that they investigated n that I Made the purchase I said I absolutely DID NOT. N DEMANDED THE XXXX INFO. TO THIS DAY I XXXX FIGHTING CHIME N THEY PUT ME OFF ON A REBTTEL. I JYST GOT WORD IM NOT GETTING MY MONEY BACK. ALL THE INFO THEY GAVE ME ON MERCHANT WAS " PHONE '' NO ADDRESS NO NAME OF COMPANY NO PHONE NUMBET. I SAID WELL IF THEY INVESTIGATED THEN I WANT TRACKING NUBER TO WHAT I ALLEGLDY PURCHASRD BC I DID NOT RECIEVE ANYTHING FOR XXXX. ..ITS BEEN 8 MONTHS. THEY HAVE ERASED ALL RECORDS OF THAT DISPUTE. I TRIED TO RELOOK TO MAKE SURE IM GETTING THE AMOUNT EXACT. N NOW ITS GONE ALL OTHER DISPUTES ARE TGERE. THEY. CHIME ENDED UP CLOSIBG ME OUT OF MY ACCOUNT WHERE I CLD NOT SEE MY MONEY. N ALL MY TRANSACTIONS WERE ON LINE BC I DOD NOT DROVE AT TIME. THEY LOCKED ME OUTA MY ACCOUNT FOR XXXX DAYS. THEY WLD NOT LET ME HAVE ACCESS TO MY MONEY OR EVEN SEE IT ON LINE IT WAS JUST GONE. I TOOK XXXX TO N FROM WORK. I ALMOST LOST MY JOB BC I HAD SO MANY POINTS ACCUMULATED IN THAT XXXX  DAYS THEY WLD NOT RELEASE MY FUNDS TO PAY XXXX I ALMOST HAD A XXXX I WAS SO SO DEVASTATED AND DISTRAUGHT THEY WLD NOT TALK TO ME ON PHONE KEPT SAYIBG I HAD TO EMAIL IT WAS A NIGHTMARE. WHEN I GOT BACK TO WHERE I CLD SEE MY ACCOUNT I WENT STRAIGHT TO ATM TO GET ALL MY MONEY OUT OF THAT ACCOUNT. N MY CARD WAS CANCELLED. WITHOUT ME HAVING TO RELIVE IT ALL LETS JUST SAY THEY ARE NOT BEING TRANSPARENT ON THIS " PHONE '' DESL FOR ALMOST 100 OUTAMY ACCOUNT. THIS BEEN GOING ON FOR 8 MONTHS NOW. I ONLY KEPT CHIME AFTERWARDS BC OF THE TRANSFER TO ANYONE IN SECONDS FREE OF CHARGE AND THE XXXX XXXX FOR WEEKS I WAS OFF AFTER ALL THAT STRESS I HAD XXXX XXXX PROBLEMS XXXX OVER XXXX FOR 3 MONTHS. THEN MY XXXX  HAD TO CONE OUT I WAS AN EMOTIONSL MESS THINKIBG THEY STOLE ALL MY MONEY LOCKIBG ME OUT. I HAD NOT A DIME TO MY NAME BC I CLDNT DRIVE SO I DID EVVVVERYTHING ON LINE TO DELIVERIES TO XXXX EVERYWHERE. I HAVE MADE OVER 30 CALLS OVER 50 EMAILS TRYING TO PROSECUTE THE VENDOR. I WANT MY HARD EARNES MONEY BACK I DOD NOT MAKE THST AUTHORIZATION N THEY KEEP WORDIBG IT DIFFERENT N WILL NOT GOV ME STRAIGHT ANSWER ON CONTACTIBG VENDOR. IM SORRY FOR MY PENMANSHIP I LOAD XXXX XXXX FOR XXXX N ITS XXXX IN XXXX XXXX  SO MY FINGERS ARE XXXX XXXX N IM TEYING TO TEXT THIS FAST ON MY LAST BREAK. CHIME IS TE ACCOUNT HDER DENYING MY REFUND THAT THEY AUTHORISED NOT ME
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX XXXX, I was accessing account with no issues. But suddenly in after few minutes things got changed and I was not able to see my account or balance in my home screen of the app. 

Immediately next day XX/XX/XXXX I got a email that your account is closed with no further details. 

Immediately we called customer care to enquire, and got a response that our account is initiated to be closed by Bank with no reason provided. 

However bigger problem is, we were told that all my funds in the account are moved to ABANDONED! There was no real reason provided by any one on WHY? 

I have more than XXXX of my hard earned savings in this account and it is not refunded to me before account closure. 

Marcus have multiple options to refund my money back 1. XXXX XXXX  XXXX account - This is verified and active account. I had withdrew money to this account just on XX/XX/XXXX. 
2. XXXX Account - This is the account on the name of my husband who is joint account holder with me on Marcus. 
3. Send the check on mailing address. 

However none of the verified refund methodology was attempted and funds were moved under ABANDONED state. 

I already had so much issues in past 2 months to access my account, but just on XXXX XXXX got a call from Marcus helpdesk and informed me that all my account is now good and verified and I can access it with no issues. But suddenly in 2 weeks Marcus closed the account and moved all my funds to Abandon? 

ALL I need is give my $ XXXX funds back AS EARLIEST - Either through linked account or Check! 

Please find account details below - Account opened - XX/XX/XXXX. 
Linked Funding Accounts : 1. XXXX XXXX  & 2. XXXX  XXXX XXXX Balanced as of XX/XX/XXXX - {$33000.00}
Product: Checking or savings account

I purchased an outdoor patio set on XXXX XXXX on XX/XX/2022, in the amount of {$49.00} from an advertisement claiming to represent XXXX XXXX. Shipping was to be delivered between 3-7 days. I began to become concerned after XXXX removed the merchant advertisement, several days later due to fraudulent activity. I tried contacting the merchant. The telephone number was from another company called " XXXX '' in California and was disconnected. I never received a confirmation order or tracking number. Today is XX/XX/2022 and I have not received any merchandise to date. I filed a dispute with Chase : my bank, however, Chase declined my dispute. Upon requesting a reason I was told that their decision was based on the Merchant providing a tracking number. However, Chase will not provide me with the tracking number or documentation based on their investigation for at least ( 10-20 business days from today ; XX/XX/2022 ). This has caused my account to be overdrawn and has caused hardship for my family at a time when we are recovering from XXXX XXXX 's extensive disaster damages. ( XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX ) We contacted our local Post office to find out if there had been any undeliverable packages to our address and we were told that there is no record of any packages delivered or returned from my home address ( which is the same address given to the merchant and the same address on file with my bank, Chase ) XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. We also contacted XXXX and XXXX for possible returned packages and received confirmation from both that there is no record on file for any large deliveries received or returned from our address. This package would actually be quite substantial in terms of weight, length, and height as this is a completed 8-piece Alumnium Outdoor furniture set with cushions and a fire pit. Please see attached images of my order taken from my cell phone. I also contact XXXX XXXX he they have advised me that they do not have any affiliation with this merchant and that the merchandise is not and has never been part of their inventory. I believe the bank has made a decision without actually verifying if in fact, ( a ) the tracking number is valid, ( b ) any weight or height declared of the delivery, ( c ) if the package was ever delivered to my correct home address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
Product: Debt collection

XXXX XX/XX/XXXX XXXX : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Experian, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report.
Product: Checking or savings account

U.S Bank reported me to XXXX on the XX/XX/XXXX for owing {$60.00}, it does n't make sense to me as I walked into the XXXX XXXX XXXX XXXX XXXX, CA XXXX location on the XX/XX/XXXX to close out my bank account. I closed out my bank with XXXX XXXX and I came in on XX/XX/XXXX to verify to why US Bank reported me. XXXX tried to investigate and was not aware to why or eve how I was negative {$60.00} on my checking account. She also recalls me going to the US Bank and closing my account without having any issues. XXXX called the back office to try and figure out to why I was reported. The Back office notified her that they never reported me to XXXX and that XXXX might have some kind of error. I told them I tried to open a bank with XXXX XXXX and was unsuccessful due to being on XXXX. XXXX was transferred 3x and was not able to get any information to why I was reported. After she hung up I showed her my XXXX report and explained that I was reported. On the report it shows that US Bank reported me on the XX/XX/XXXX but when looking at my bank statement I owed XXXX on XX/XX/XXXX and even on the XX/XX/XXXX when it was the ending balance I was at XXXX. XXXX once again called and gave the information over that US bank did indeed report me and the first person she spoke to was not able to have any information to why, They ended up transferring her over again and then the 2nd person said that " US Bank reports people to XXXX every week and then thats the reason to why I was reported. '' I am confused as on my bank statment it shows that I requested to close my bank account on the XX/XX/XXXX and the account getting closed did not go into effect until the XX/XX/XXXX. What is confusing me is that on the XX/XX/XXXX I had a XXXX Balance and that is the same exact day that US Bank reported me to XXXX. I also see that once the account was closed I was charged a {$30.00} fee for " force-closed account fee '' Which I am not sure to why it says force-closed on XX/XX/XXXX if I came in on XX/XX/XXXX to close out my account. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I closed my aspire credit card back in XX/XX/! The account has been reporting OPEN for the last 4 months on my EXPERIAN credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and Experian 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to Experian. Yet, when I dispute with Experian and upload the documents showing its closed Experian is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just Experian. This account needs to be reported closed on Experian immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account information starting XX/XX/2016- XX/XX/2016. The account is aged and needs to be removed. It's been removed from XXXX but still remains on XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XXXX of XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus
Product: Payday loan, title loan, or personal loan

I got a payday loan from Check N Go in XXXX  Utah on XXXX XXXX the XXXX who helped me gave me the long and I told her I would be in as soon as I got my paycheck sometimes the Friday before the Monday and I would be into paid off in full so I showed up about two hours before close and there was a note on the door that said come back at the bank or something like that so I'm standing there waiting for and here she comes out of the back and she's she's fixing her talk and I'm starting to her parents as dependents to the door and then tells me let 's me in and says that she won't accept my money even though I had that has a note in the dime in my hand I explained to identify to take it home and go to sleep it will probably disappear because I have hands in my residence even while I'm home and she wouldn't let me pay for it and this was clear back it's been a couple few years I got a letter from Mrs and I've been receiving up a lot demanding have the payment. This thief steals food right off of my meal dish leaving me one bite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX deleted this but Experian and XXXX are not deleting the information.
Product: Debt collection

I have been dealing with this issue for over three years. I first contacted Designed Receivable Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : ( XXXX ) XXXX, in XXXX. I informed them that I had state issued Medi-cal, and the bill should have been taken care of by them. Spoke to medi-cal office and was informed that this bill did fall under the dates of service. Then i checked my credit report in XX/XX/XXXX, and to my surprise there was the delinquent amount again. I reached out to DRS, and spoke to XXXX, he informed me that the debt was to old to be paid by my insurance company. Called XXXX, and they told me debt should have been paid and to have them rebill. Called DSR again to inform them of what i was told by XXXX, asked to speak to XXXX supervisor, he transferred me to a women by the name of XXXX at Ext. XXXX, She then informed me to contact he hospital where debt was issued. After calling 15 different numbers and getting the run around from the hospital, I finally was given a number to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to a women named, XXXX out of the XXXX  office @ ( XXXX ) XXXX, She told me that the hospital was sold and they no longer had access to the debt, being it was before XX/XX/XXXX and I need to call the collection agency because, they are the only ones that can do anything about it. Called DSR again and asked to speak to XXXX 's superivosor. Got a XXXX XXXX on the line, we went back and forth when she finally informed me to have the XXXX office send them a document called XXXX, and she would try to get in touch with the original biller ( XXXX XXXX XXXX XXXX ) and have them re-bill my correct insurance. She also advised me that because the hospital was sold, it would be really hard to get that done. Because the account is in collection, and they are the only ones that can infact take care of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I totaled a car in XX/XX/XXXX, which was secured by a loan with XXXX XXXX XXXX XXXX. XXXX insurance paid the value of the car. The GAP insurance plan was supposed to cover the rest. Apparently the loan was never paid in full and resulted in a charge off on my credit report. Now in XXXX I find that the debt has been re-aged stating date of last payment was XX/XX/XXXX. I have not made a payment since XX/XX/XXXX. I contacted XXXX & they stated that they gave me credit for a warranty on XX/XX/XXXX. This is illegal re-aging. In my dispute to the credit bureau I asked that they ask XXXX to provide proof of my last payment & they did not.