23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had Chime Bank through the XXXXXXXX XXXX for a little over a year, and had thousands of dollars moving through it from employment, to tax returns, and unemployment. Chime bank Abruptly decided to close my account on XX/XX/2020, with out my consent. I had a total of {$6700.00} between my checking and savings accounts. I have repeatedly tried to have chime refund my money to me with out any success. They claim to have returned the funds back to the Massachusetts Department of Unemployment Assistants PUA. I have called Unemployment numerous times over the past 6 weeks. Seeing as I still have an active claim with them, they have informed me that they have not received any funds from chime bank on my behalf. The Unemployment office also indicated to me that they have had a lot of issues with chime bank, stating that the bank has not been returning peoples money. So I am hoping this agency can help  me resolve this issue seeing that this bank took my entire life savings from me.
Product: Credit card

I gave a payment in the form of a XXXX check to an employee that ultimately was fired the same day. I didnt know the check was never applied until account was closed. When I called and came to the branch no one said employee was fired. XXXX finally said the employee XXXX XXXX was no longer there and that she would contact the credit department to reevaluate the decision to close based on non payment. She never got back to me. Now Im finding out first citizens is closing most accounts associated with this location
Product: Debt collection

XXXX currently claims to be a servicer of a loan in my name on behalf of Wells Fargo. I have already received a letter from Wells Fargo that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.
Product: Debt collection

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.
Product: Mortgage

I contacted XXXX XXXX XXXX ( SLS ) in XX/XX/XXXX timeframe about a request to increase my escrow due to my county taxes. I have been exempt from paying county taxes since XX/XX/XXXX when I was deemed XXXX XXXX XXXX XXXX by the Veterans Administration and submitted documents to XXXX County Treasury Land accessory office. They have sent and their request and as you can see on page two that they have claimed to have paid those taxes. I spoke with the County office they stated they have not received any tax payments. They have not provided any proof of these payments till today. They are receiving my monthly payments thru their Bankruptcy department and they are receiving {$750.00} monthly Chapter XXXX payments to pay down past payments. I did not pay XX/XX/XXXX or XX/XX/XXXX awaiting their proof of tax payments but no reply to my letter request. My Attorney  XXXX XXXX is of very little help, as it took over a year to get my Chapter XXXX actually approved due to his lack of submission of proper documents to the court and errant amounts submitted to the court. I earnestly need your assistance in getting this resolved and the amounts paid supposedly to taxes should be removed or put towards my principal of past due amount to get this cleared. This company is known to try and pay past taxes on house then put house in default to take ownership of house to resell house and make company a profit. I will be making extra payments for XX/XX/XXXX and XX/XX/XXXX payments next week and each week until paid in full by end of XX/XX/XXXX, at the latest!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. XXXXThe unauthorized hard inquiries I am disputing are as follows : [  XXXX  XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.
Product: Debt collection

THIS A ANOTHER AGENCY TRYING TO COLLECT FOR EQUIPMENT I HAVE ALREADY TURNED INTO XXXX. I HAVE ALREADY AND REPEATEDLY SHARED WITH XXXX AND THESE FRIVOLOUS DEBT XXXX THAT I HAVE TURNED IN ALL EQUIPMENT TO XXXX STORE OVER 3 YEARS AGO. 
I AM STILL AND CURRENTLY A XXXX CUSTOMER FOR ALMOST 2 YEARS. 
IF I OWED ANYTHING WITH XXXX. I WOULD NOT HAVE BEEN ABLE TO RETURN AND HOLDING AN POSITIVE STANDING ACCOUNT FOR 2 YEARS PLUS WHEN I WAS WITH THEM BEFORE 3 - 4 YEARS AGO. 
THIS DEBT IS NOT MINE AS I HAVE TOLD THE OTHER DEBT COLLECTOR XXXX. INSTEAD THEY CONTINUE TO STRESS ME OUT ME OVER EQUIPMENT I HAVE RETURNED TO THEIR STORE AND SELL MY NAME TO OTHER DEBTORS. 
PLEASE COMPENSATE ME FOR ALL MY TROUBLE OF HARASSMENT. 
THANK YOU
Product: Debt collection

I received multiple phone calls from Audit Systems Inc starting in XX/XX/year> about a " debt '' that is owed to XXXX XXXX  ( a XXXX pump rental company ). I explained to them that my insurance covered this, but they were adamant that XXXX ) insurance never covers this XXXX ) I owe the money. They continue to call me. 

I have verified with my insurance that they issued a check to XXXX XXXX  in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXXXXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX, XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b.
Product: Credit card

I noticed on XX/XX/24, I noticed unauthorized charges on my US Bank Credit card. I contacted the company and they stated that they were going to send me a credit card. On XX/XX/24, I received a call from XXXX from Card Member Services inquiring if I had received the new card. I informed them that I have not received the card. I then looked on the card app and noticed several new unauthorized charges from the US Bank Credit Card. The representative on the phone reported that a new card was left at my house under the mat. I informed her that I never it. The representative stated that she would cancel that card and send me a new card through " Rush Delivery ''. The following day the cared was not there. I again called US Bank on XX/XX/24 to report that I have not received the new card. The representative stated that the card was left on my doorstep by XXXX at XXXX. I again indicated that I have not received the card and she stated that she was going to cancel it and issue out a new card. On Sunday XX/XX/24 several purchased were made on the card that was supposed to be canceled on XX/XX/24. I have tried several times to dispute the charges with US Bank. I am now being held liable because US Bank is stating that someone was able to activate the card. I was proactive in alerting US Bank that I have observed fraud charges. The representative indicated that the two cards were going to be cancelled. I am not understanding how I am liable for fraudulent charges that were made by US Bank 's failure to inactivate the card when fraud was reported. I have completed a police XXXX XXXX XXXX : XXXX regarding the fraudulent charges. I have proof that I was not home during the time that representative indicates that the card was delivered. I would like the fraud charges removed from my account. The calls that I made to US Bank stated that they are recorded which should provide proof each time I indicated that the card was not received and representative stated the cards were going to be cancelled.
Product: Debt collection

I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.
Product: Debt collection

I have disputed an account with a collection agency ; asking them to FULLY VERIFY AND VALIDATE this debt. This is my FOURTH letter from this collection agency; refusing to send all required and requested. I am entitled to the following documentation to fully validate a debt : 1 ) Original account number 2 ) Alleged amount owed 3 ) MY WRITTEN SIGNATURE with the original creditor 4 ) My written signature to have my account sold to a third party 5 ) Itemized copies of entire billing history of alleged debt The only information this debt collector will send is an itemized alleged billing history. There is no proof of ownership, nor proof that this company can collect debts in my state.

There is no written signature by me with alleged creditor.
Product: Debt collection

XXXX XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : ADVANCED COLLECTION Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX  DOB XX/XX/XXXX ADDRESS : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX
Product: Credit card or prepaid card

To whom this may concern : Before I begin, let me say that I have spent hours and hours on the phone and months of time speaking to the vendor ( XXXX XXXX, XXXX, VA ) and my credit card company ( Citi XXXX XXXX ). I have done my very best to resolve the issue on my own but unfortunately I have gotten the run-around and Citi XXXX continuously changing answers while being passed from customer service agent ( and supervisor ) to misleading customer service agent ( and supervisor ), all the while enduring multiple dropped calls. Citi XXXX XXXX has strung me along for over 9 months, the most recent letter ( from Citi XXXX XXXX ) dated XX/XX/XXXX states that We're looking into the transaction ( s ) you disputed. But when I call I can not get any explanation as to why this transaction was charged to me. ( A pdf of that letter is attached as XXXX ) I monitor my credit cards religiously and have had a perfect credit record for more than 30 years. I requested ( and was issued ) a new credit card soon after this fraud was revealed. 

On XX/XX/XXXX, 2 fraudulent charges appeared on my Citi XXXX Visa account, one from XXXX XXXX for about {$900.00} and the other from XXXX XXXX for {$960.00}. I immediately called Citi XXXX Visa to advise them of the fraudulent charges. Both charges were temporarily credited. One charge, from XXXX XXXX was never in dispute and the credit was made permanent. The other charge ( from XXXX ) was put into dispute. It is this transaction that I was unable to resolve and is the reason for this complaint. 

Let me state categorically that I have never ordered anything from XXXX, I do not have an account there and the invoice from XXXX ( in the attached Citi.pdf document ) specifically shows that the item purchased was changed without a CCV code AND sent to a fraudulent address in XXXX California that is not connected with me in any way. 

The complete documentation record is attached ( XXXX ). XXXX contains a copy of the letter I signed ( dated XX/XX/XXXX ) that was returned to the Citi XXXX Visa disputes department soon after the fraudulent charge was discovered. 

I also received a the document from Citi indicating the disputed charge was discharged and. that the cardholders card has been CREDITED as a result of this chargeback. Case closed as far as I was concerned. When I returned to the account the following month, the transaction was NOT recredited and I continue to dispute the charge to this day.

I have absolutely no idea why Citi Visa is giving me a difficult time with this obviously fraudulent charge. 

I hope this fits within the CFTS mandate and that you might be able to help resolve this most unfortunate incident. My email and cell phone number is listed below and I would be happy to give any supporting details you might require. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for Dept of Education/XXXX  this is not my account and I hav never had a account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an acct with Equifax XXXX from the Illinois XXXX. I strongly disagree with the validity of this account. It is not showing on my XXXX or XXXX report.
Product: Debt collection

I called to request a letter of validation. I was transferred to 4 different representatives who would not help. They only wanted to set up a payment for a debt I can not validate. They refused to send a letter of validation to me.
Product: Credit card or prepaid card

Previously had two accounts when I lost my wallet my bank account was compromised resulting in auto payments being returned. I sent the bank police report and bank memo I was advised over and over by multiple reps accounts were being reopened. Then I was advised they are not simply reapply. Based on my experience I wasnt exactly in a hurry to get back on board with Capital One. The accounts are restricted for something that had zero to do with me. I periodically check prequalify to see what I might be eligible at no cost to my credit. 

Today I was advised that I am blacklisted from the thousands of reviews I have seen it basically says I can never use capital one again which is beyond crazy especially for something that had nothing to do with me and if anything life happens maybe ease up like a lot. 

Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. 

Seriously you blacklisted me for life?? I guess we have to cancel all of our other services with you as well for our home and business?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled on XXXX/XXXX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached XXXX credit report showing collections only, dated XXXX/XXXX/XXXX ). However, in XXXX, over a month after I paid the XXXX collection account, the collection agent XXXX XXXX XXXX reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XXXX XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX XXXX collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XXXX/XXXX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XXXX/XXXX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the XXXX credit bureaus, and in XXXX XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the XXXX major credit bureaus, XXXX XXXX, Experian and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX signed up for the loan and did not receive full disclosure of the details of this contract. This contract was a misrepresentation where l entered into a transaction without accurately realizing the risk, duties or obligations that have incurred which is fraud in the factum. In addition to this fraud, my signature was use to create money without my knowledge.
Product: Debt collection

I sent a validation letter out on XX/XX/XXXX never heard anything back