23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I am a living soul. I dispute owing debt ( XXXX ) to XXXX XXXX XXXX XXXX reported unverified by XXXX. It has been very stressful and exhausting in pursuit to exercise my right to Fair Credit Reporting Act. I received a copy XX/XX/XXXX of consumer report with XXXX after submitting several disputes on each. XXXX XXXX XXXX XXXX used my identity, name and social security number without my written or verbal consent and furnished collection account ( s ) to the public on my consumer report that are false misrepresentations of accuracy. My credit disputes and my right to an accurate and complete report were denied by Experian and XXXX. The date, the account number, the account status, insurance payment status, dispute remarks, dispute comments, dollar amount, the original creditor, the loan type and assignment of debt to the collector are disputed as inaccurate and unverified. According to FCRA all accounts must be reported with the maximum possible accuracy. I called XXXX Friday XX/XX/XXXX, and was transferred @ XXXX EST to XXXX XXXX XXXX Supervisor in XXXX XXXX PA XXXX I explained my results received after dispute XX/XX/XXXX states XXXX XXXX XXXX XXXX account was supposed to be deleted and removed from my credit report. XXXX did not take care to assist me. I then was transferred, I spoke to XXXX, a supervisor until XXXX EST. I and my witness explained the investigation results we received online said the collection should be deleted, the item was not deleted, nor was it removed. XXXX XXXX XXXX XXXX. I disputed XX/XX/XXXX for not being an attorney. I confirmed with XXXX the dates in his system with XXXX when I disputed this account again XX/XX/XXXX, on XXXX XXXX, XXXX XXXX and XX/XX/XXXX, with a letter to validate a claim was closed and paid, I wrote to XXXX XXXX XXXX XXXX and disputed a judgement or relevant factual information was never provided for validation as requested. Georgia state law has a statute of limitations that was exceeded. I sent a certified letter to XXXX XXXX XXXX XXXX to cease and desist XX/XX/XXXX. I realize I have been a victim of unfair and deceptive business practices and identity theft as my requests to delete the account ( s ), reinvestigate the documents. All my written, verbal and certified requests for accuracy have been ignored by these companies. I do not owe the original creditor or national credit systems accounts XXXX nor XXXX debt ( s ) disputed. All claims were paid by XXXX XXXX XXXX XXXX for claim # XXXX, XXXX of XXXX. Please see attached Cease and Desist certified receipt to debt collector XXXX XXXX XXXX XXXX. The claim receipt from XXXX XXXX XXXX XXXX XXXX XXXX. Results from XXXX to delete the duplicated account ( s ) disputed XX/XX/XXXX or prior to this date. Best Regards.
Product: Debt collection

On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Product: Checking or savings account

This complaint is regarding First Tech federal credit union An account was set up in a real estate closing transaction ( not my choice to set up ). 
The account has only {$5.00} in it and as such I have tried to close the account on several occasions. Each time I am assured that the account will be closed, but then I get another statement in the mail, still showing a {$5.00} credit balance. 

XX/XX/XXXX Spoke to XXXX who said he would close the account and mail a check in XXXX business days XX/XX/XXXX Spoke to XXXX who XXXX she would " reactivate and close the account '' and that I would receive a cashier 's check in XXXX business days XX/XX/XXXX Called to cancel, I don't have further notes other than that I had received an automated callback
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not made me.
Product: Debt collection

{$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company. 
Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt. 
As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!! 
I like this removed from my credit report permanently and not when it is convenient for this company.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX  I discovered discrepancies in the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a certified letter to disputes 2 XXXX  XXXX accounts that have factual errors and need it to be investigated and DELETED asap. I have proof that the letters were received by EXPERIAN and have confirmation. I have not received acknowledgment that they have received the disputes. I called today just to see the update and was told that they never received anything and that they have nothing on file. I need them to investigate and find my disputes which was received by them on XX/XX/22
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

Repeated phone calls from XXXX XXXX XXXX XXXX usually around tax time and XXXX time ) Returned the call but no one answers. This has been going on for several years.
Product: Checking or savings account

On XX/XX/year> around XXXX, Chase bank, located on XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX, CA discriminated against me and refused to give me a money from my own account. The teller told me to insert my debit card and enter my pin number, I did this 6 times because he kept pretending my card was not working. Finally, I swiped the card, entered my pin, then he took an additional 10 minutes pretending to type and scroll on his computer screen before calling over the branch manager. The branch manager XXXX REFUSED to issue a money order to me. I asked her to handover my Driver 's license back to me, to which she replied " No. '' After an awkward pause, she finally said " she needs it to input my information into the system. '' I have NEVER been asked for an ID or license to get a money order from my own account. Generally, I swipe or insert my debit card, enter pin number and the money order is printed without question. 
XXXX, the bank manager lied and said my account was flagged for fraud after i inquired about why the bank was giving me so much hassle. I later went to a different chase branch in XXXX XXXX just a couple hours afterwards and was given a money order by inserting my debit card and pin without question or demand for ID. This prompted me to call chase 's corporate number and they've confirmed my account was never flagged for fraud and that there were no suspicious activity on my account.
Product: Checking or savings account

They are blocking me from accessing my account through a third party service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I spoke with the branch manager, XXXX, at The Citizens Bank, XXXX XXXX, XXXX branch regarding the source to pay any overdrafts on my account. While I did have a line of credit attached to the checking account, I made several requests to change the source of overdraft payments to my savings account, and the branch manager, XXXX, acknowledged the request, and confirmed it was done. Apparently it was not done, about a week later, still in XX/XX/2019, an overdraft was funded by the line of credit instead of the savings account, and then reported to the credit bureau that I went over the account limit. I requested the negative reporting be removed, but the bank said the report was correct. They made an error at my expense. 
In XXXX I spoke with XXXX, a senior customer service rep, ( XXXX ), who " escalated '' the case to XXXX, ( XXXX ) XXXX, of the " chairman 's office ''. It has been almost a month, and they have yet to resolve, or even give me a response, despite repeated calls to " XXXX ''. This was a bank error, and the report was untrue, and should be removed, as it is hurting my credit.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$690.00}.
Product: Credit reporting or other personal consumer reports

there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by XXXX XXXX bank for {$1900.00}. on XX/XX/XXXX there was a XXXX XXXX XXXX  card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXX  XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX bank for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by XXXX XXXX for the amount of {$110.00}
Product: Money transfer, virtual currency, or money service

I opened a Personal PayPal account on on XX/XX/2023 and linked all my personal back information was also linked to PayPal. On XX/XX/2023 I received a email from PayPal stating the following. 

( You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. ) PayPal ( Ref ID - XXXX ) This automated email was sent exactly after a sale of {$19.00} USD from XXXX XXXX XX/XX/2023 XXXX . I would like to have the personal PayPal account reinstated and the release of my funds of {$19.00} USD PayPal is holding the funds and has no authority to do so. Please have them investigate this & correct this issue with them limiting my account as well as allow me to have access to the XXXX USD funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.
Product: Checking or savings account

PNC Closed my virtual checking and savings accounts. I tried to reopen the accounts, however they closed the accounts without explaining the reasons behind their decision, just said that I violated their terms and conditions.
Product: Credit card

I made a payment from my personal checking of {$650.00} direct to DigniFi which left my acct on XX/XX/XXXX and showed paid out of my acct on XXXX. I also sent an additional payment of {$170.00} using DigniFi 's website on XXXX. The payment of {$170.00} has been credited. The {$650.00} has not been. I talked to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I emailed Proof of Payment on XX/XX/XXXX. When I talked to them on XX/XX/XXXX, they said they found the payment and it would be credited. To date, it has not been. Moreover, when I called today XX/XX/XXXX and talked to XXXX he said he can't even find my account. I feel this company is withholding payment application on my account in order to bump up interest collection. And, I have not received a billing statement for XX/XX/XXXX ( payment due on the XXXX ).
Product: Payday loan, title loan, or personal loan

I refinanced my home. The refinance included the payoff of a loan for Lending Point. The closing took place on XX/XX/2022, and Lending Point was paid days later. The Lending Point loan was overpaid by {$750.00}. I called Lending Point to request a refund of the overpayment on XX/XX/2022. I was told the refund would be processed in 7-10 days. It has been over three weeks - I have called several times since then ; there has been no explanation for why I haven't received my refund ( other than " we're busy '' ) and no solution has been offered. 

I believe this company is holding on to its customer 's overpayments/refunds in order to collect the interest for as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX XXXX is still investigating, while Experian is still allowing the XXXX XXXX XXXX XXXX to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against WorldRemit for Account Closure Without Explanation Dear CFPB, I am writing to file a formal complaint against WorldRemit, a money transfer service provider, for closing my account without providing any explanation. Despite multiple attempts to resolve this issue directly with WorldRemit, I have been unable to obtain any satisfactory response or reason for the abrupt closure of my account. 

On [ approximately one year ago from todays date ], I received a notification that my account had been closed. No specific reason was given for this action, and I was left without access to my funds and the ability to complete any pending transactions. 

Here are the details of my account and the issue : Name : XXXX XXXX XXXX Email Associated with the Account : XXXX Date of Account Closure Notification : Approximately one year ago Unfortunately, I do not have my account number as WorldRemit has not provided it despite my requests. 

I have made several attempts to contact WorldRemits customer service to understand the reason behind the account closure. However, my inquiries have either been ignored or met with generic responses that do not address my specific concerns. This lack of transparency and communication is highly concerning and has caused me significant inconvenience and distress. 

As a consumer, I believe it is my right to know why my account was closed and to receive proper communication regarding such a serious action. I am seeking the CFPBs assistance in this matter to ensure that WorldRemit provides a clear explanation for the account closure and addresses my concerns promptly. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase has changed an email in my account to there own : Chase@chase.com without my permission or consent without any commination. I did not request or authorize this change
Product: Vehicle loan or lease

I received an auto loan from XXXX XXXX XXXX in XX/XX/XXXX. I made all payments in a timely manner. I was in a car accident in XX/XX/XXXX, in which the vehicle of was totaled out. My Insurance Company XXXX XXXX deemed my vehicle complete lost and paid vehicle off. StateFarm Bank contacted me in late XXXX indicating that I didn't have gap insurance/loan protection. I explained that gap insurance was included in my purchase and my vehicle was completely covered. Their were able to to locate my policy protection and close out my account. After closing my account out, they then put a 60 day late on my credit report. I contacted them immediately and they were able to correct the problem and fix my credit. On XX/XX/XXXX, I received a credit alert that I have an open account with XXXX XXXX and I was 30 days late. This caused a 65 point drop in my credit report. I contact with XXXX XXXX again and spoke with a Representative that was very rude and explain that my account was closed at one point, but is now open for not paying XXXX dollars. I gave the representative history on the account and he became more rude and stated my pass doesn't matter I need to pay what they have owed on computer. I explained this was total lost and paid by my insurance. I have made numerous attempts to fix the problem, but all attempts have yielded no success and rude customer service. They never notified me of a balance on the account and never notified me that were putting a negative on my credit report. They are in violation of the following : FCRA section 623 and 605 ( c ).