23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.
Product: Money transfer, virtual currency, or money service

I used the Remitly app to transfer money to a XXXX XXXX digital mobile money wallet account. I need to report two transactions : Remitly Reference number XXXX : XXXX for {$50.00} XXXX on XX/XX/2022 Remitly Reference number XXXX : XXXX for {$150.00} on XX/XX/2022 These transactions are showing as 'delivered ' on the Remity app but there is no record of receipt on the XXXX XXXX XXXX wallet app. 

I am suspecting fraud from either Remitly or XXXX. 

I spoke to Remitly and was told the transactions have been delivered and confirmed as delivered by the XXXX partner bank. This contrasts the statement from XXXX XXXX that said they have not received the funds from Remitly and no deposit has been made to the recipients XXXX account.
Product: Mortgage

I've called the mortgage company at least 25 or 30 times in the last 2 weeks attempting to get them to pay the remaining {$100.00} of taxes and late fees that they accrued due to not paying my taxes on time through my escrow. I've spoken with numerous representatives on the phone to attempt to get them to resolve my issue and they look at the notes and say that it says it's been paid and I tell them I just got off the line with the XXXX XXXX tax office who's currently telling me that it was not paid. I get frustrated and annoyed and tell them to fix it and they either hang up or say we'll fix it and call you back tomorrow and no one is actually doing anything. Just smoke and mirrors. I've told them on numerous occasions that XXXX XXXX tax office in XXXX, NC has already sent a garnishment letter to my employer saying they will garnish my wages and my employer has notified me that they will garnish my wages on XX/XX/20 if these taxes aren't paid by then, but no one at Amerihome Mortgage is actually helping me. They are literally not assisting me. I've spoken to my attorney about this and they suggested I send you a letter. So here it is. 
XXXX XXXX government - XXXX ( XXXX Amerihome mortgage - XXXX ( amerihome.loanadministration.com ) Thanks for your assistance in this matter. 

XXXX XXXX XXXX
Product: Prepaid card

Had money in account about {$260.00}, went to pay a utility bill thinking had $ $ $ on the card, the clerk swiped the card for payment and she told me that the card is " declined ''. I asked her to swipe again and the same result. Left the payment center and had a good " cry ''!!!! Then I tried calling different # 's ( on back of card, their customer service and XXXX and all that I could think of ), and to no avail nothing. So please if you can help please do. Also, checked on Atm machines and it 's saying that I 'm in the negative, which I can not fathom, so please look into " our '' plight because we deserve an explanation on what has happened. There are a lot of families that " lost '' a lot.
Product: Student loan

On XXXX XXXX, 2024, Navient confirmed they received my XXXX XXXX XXXX XXXX application. On XXXX XXXX, 2024, they notified me that they had denied my application. They gave me no reason except to say that I " did not qualify. '' My school was found to have committed misconduct and I am part of the Sweet vs. Cardona class settlement and have XXXX XXXX approval. I provided all the additional evidence that Navient had requested from me - even though my school has already been found to have committed misconduct. They still denied this discharge of my private loans with no specific reason given. 
This is NOT a duplicate complaint. My original complaint was that Navient originally refused to send me the application. Now they denied it without cause - especially since my school was PROVEN to have committed misconduct.
Product: Debt collection

Specialized Loan Servicing is attempting to collect a debt that is already canceled. Under UCC 3-601 ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.

I have legally discharged this debt and provided notice to Specialized Loan Servicing of my doing so. Legally I am not bound to performance as it has been meant under this simple contract. Furthermore if Specialized Loan Servicing is refusing to accept the payment then the debt is automatically discharged. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.

Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.

Specialized Loan Servicing has provided me no value for my financial asset that they are profiting from. The proceeds from my collateral is being used to pay investors and shareholders which should include me as I am the only holder in due course. If Specialized Loan Servicing has evidence as to me truly being indebted I ask they provide it. Not the simple contract but the official bank ledger that would show the debit from the account of Specialized Loan Servicing to me as a credit. This would prove that I am indebted otherwise Specialized Loan Servicing has defrauded me into believing that loaned me something of value and they did not instead they have profited from the exchange of my security,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I requested to correct the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX  XXXX Balance {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within 30 days.
Product: Credit reporting or other personal consumer reports

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

ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX 15 U.S.C 1681 section 602a states i have the right to privacy 15 U.S.C 1681 Section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One Account/XXXX XXXX XXXX debt of {$530.00} was paid on XX/XX/XXXX. 

XXXX XXXX XXXX/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.
Product: Debt collection

my credit score was dropped by 100 pts due to a fraudulent/identity theft XXXX account. I disputed the claim and never recieved any notice and never heard back from the agency. A new debt collector assumed control of the fraudulent debt and never sent me any notification about reporting the claim to the credit bureaus. The debt company is NRA debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience always what was my credit score for no reason and I have to dispute it and then it goes back up in the same day goes down again I keep paying my credit card off after going up it goes down messing me up every time I do Im trying to buy a house in a mess up my credit score
Product: Checking or savings account

On XX/XX/2023, I uploaded {$25.00} to my XXXX XXXX Chime Card. This was a cash deposit/upload performed via XXXX. Later that night I initiated a {$25.00} payment to XXXX XXXX XXXX. On XX/XX/2023, there was a statement on the top of my online Chime Checking Account that stated that XXXX 's transaction had been removed. However, XXXXXXXX XXXX Chime failed to return the funds back into the checking account. XXXXXXXX XXXX Chime XXXX functions as a XXXX XXXX XXXX just like the XXXX XXXX XXXX at XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX etc. On the other hand, XXXXXXXX XXXX Chime Card fails to deliver a itemized monthly statement - as all United States Banks are govern to do - showing the subtraction/balance/deposit/balance as is rightfully awarded from banks such XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX This practice of XXXXXXXX XXXX Chime violates the Amendment IV to the Bill of Rights of the US Constitution because they fail to give their customers the right to feel secure in their papers as is provided by other US Banks. This practice of XXXX XXXX Chime violates the American Citizen 's Right to the Amendment I to the US Bill of Right, because their telephone practice prohibited and abridged my freedom of speech. The robot of which XXXX had answering the phone failed to connect me to customer service - I had to choose identity theft in order to speak to a human being. XXXXXXXX XXXX Chime violated my rights and all citizen 's rights to the Amendment IX of the US Bill of Rights because they deny us this right that is given to us from banks of the United States to have a fully itemized monthly statement of which is a right retained by other US banks.
Product: Debt collection

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Product: Vehicle loan or lease

Instructions given to the indenture trustee CITIBANK, N.A regarding account XXXX for XXXX XXXX XXXX  have not been executed.
Product: Bank account or service

I Open a New Account With Keybank XX/XX/2016. and for some reason keybank froze and locked my new account on XX/XX/2016. because i have a previous balance with XXXX and its affecting my credit score with all Bank i the US. and i made a deposit of {$320.00} dollars on the new account i open with keybank. and this issue is coming from the previous account i had in the pass with XXXX that was send into collection charge off. i am currently on a process on having my credit fix with XXXX.
Product: Debt collection

I have been delivered papers by a collection company named LVNV Funding LLC, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the offices of XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, XXXX XXXX, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.
Product: Debt collection

XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.
Product: Credit card

After I paid a round trip to my son, spirit airlines blocked his return saying that my bank, Bank of America, had opened a dispute. After months back and force on phone calls and e-mails to my bank and spirit airlines requesting the amount forced me to pay in order to have my son back, spirit airlines return my money to the bank but the bank sends the money back to spirit, and the bank closed my case. Over over5 months trying to get my money back or from the bank or from spirit, but so far didnt have nothing. My bank has not showing commitment to solve my case and the customer service never give me a clear answer, steady they transfer the call for different departments until they talk to me
Product: Credit card or prepaid card

The following three credit cards were opened illegally in my name : Capital One, XXXX, and XXXX. My XXXX XXXX was stolen from my purse. I'm the victim of Identity Theft by my deceased husband.. The Capital One credit card for {$8100.00} is inaccurate because my dead husband opened the credit card in my name on XX/XX/XXXX, without my knowledge. Also, he opened up a credit card with XXXX in my name, and it was sent to a Collection Agency, XXXX XXXX XXXX, and has a balance of {$5300.00}. Also, he opened up a credit card with XXXX on XX/XX/XXXX, and has been charged off with a balance of {$1600.00}. I did open up my XXXX 's card, but I was unaware that he stole it from my pocketbook and maxed it out to {$8000.00}. I became aware of the Identity Theft on Friday, XX/XX/XXXX, when I went to the XXXX looking to ask for a better interest rate on a personal loan. I then became aware that I was a victim of Identity Theft. My husband passed away on XX/XX/XXXX, and I have since learned that he also maxed out my mother-in-law 's credit card and took over $ XXXX from her as well. I am requesting that these items be removed to correct the information. 
I contacted a lawyer on Monday, XX/XX/XXXX and was advised to file a police report the very next day. On Tuesday, XX/XX/XXXX, I filed a police report of identity theft. I sent certified letters to each credit card company and credit bureau on Thursday, XX/XX/XXXX. I received a letter in the mail from Capital One on XX/XX/XXXX explaining how no sign of fraud was found. I then spent an hour and half on the phone yesterday ( XX/XX/XXXX ) with Capital One explaining how the credit card was opened up in my name with my information without my consent by my deceased husband and they refused to remove the debt even though I was not aware of the card and had never seen the card. Also, XXXX XXXX XXXX XXXX removed a credit card from my account from XXXX, but didn't remove the charges from where my deceased husband stole my credit card from my purse and my purchases without my consent. I received a letter on XX/XX/XXXX, explaining their was no fraud found because I benefited from the purchases. How can I benefit from a purchase that I'm not aware of? The other two credit cards he opened in my name without my consent have already been removed from my credit reports, but XXXX 's and Capital One only want to charge them off, which is hurting my credit score and my ability to borrow in the future. My deceased husband left my kids in a horrible position. He cashed out his retirement without me every knowing he had one and then to find out he opened credit cards in my name and stole another one and charged it up is absolutely heart breaking, but to know credit card companies will not work with you is absolute shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made some purchases on XXXXXXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}. 

However, the original creditor sold my lease agreement balance of {$2800.00} to the Monterey Collection Services. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my XXXX credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.
Product: Debt collection

The debt collector FRONTLINE ASSET STRA last reported on XX/XX/2023, a NEGATIVE open balance of {$1100.00} from the original creditor XXXX  XXXX  ( Original Creditor ) states and wrongly reported that I opened in FLORIDA on the specific date of XXXX XXXX, this is a FRAUD, and this company has multiple intents on different dates to charge a Negative on my credit report and XXXX about to take this on LEGAL matters and sue them.
Product: Checking or savings account

On XX/XX/2020 the North Carolina Department of Commerce deposited 2 checks for my girlfriends P.U.A. Covid relief unemployment benefits into my PayPal account and as soon as they were deposited Paypal put a permanent limitation on my account and is wanting to part ways and keep my money for 180 days. These are Unemployment benefits that came from the government and Paypal clearly states that there services can be used to have your government benefits deposited into a account with them. We have no means on paying our bills or anything because they are holding all of her covid payments which is {$16000.00}. 
XX/XX/2020- {$1800.00} XX/XX/2020- XXXX I provided them my government ID and everything they wanted and even proof of my girlfriends benefits and they just keep saying exssive risk and they want return the money or anything. I've also filed a complaint with the XXXX on XXXX XXXX2020 case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.