23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email on XX/XX/XXXX. stating that a garnishment had been placed on my account. When I contacted the company they said it was for a debt and asked if the date of birth was correct. It wasn't and then I was told that the company doing the garnishment should contact me. I then received a letter about the garnishment on the XXXX of XXXX and contacted the company on the XXXX. They asked for my date of birth and my last four of SSN. The date of birth was wrong, but the SSN was correct. But they stated this was for a credit card that I never opened or had any idea of that was in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX I been trying to get rid of this inquiry, I been going thru identity fraud and theft for over 3 years my XXXX account was hacked, and this resulted in that me receiving this inquiry for something I didn't apply to I recently closed that account after multiple times of changing the password. and still after several months trying to get this removed
Product: Credit card or prepaid card

Back in XX/XX/2020 XXXX XXXX  from XXXX offered free information to improve my son 's credit in order for my son to buy his house ( XXXX XXXX house ) he recommended to buy from card.com, he then asked for repairs to be done in his house repairs that we did with with the promise of free information but repairs costs were going to be reimbursed from XXXX XXXX, all the information from him was sent from his official car.com email and his cellphone, everything seemed legit until he sold the house to us and never paid the repair in specific one garage coating for {$1600.00} ( invoice attached ) ( emails from XXXX XXXX and text messages attached ). When XXXX XXXX was requested to pay he sent an email to someone else with card.com where he asked to block our email address to avoid the problem. ( email attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like Experian XXXX  and XXXX  have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues
Product: Vehicle loan or lease

Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession. 

I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _
Product: Debt collection

The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXXXXXX XXXX XXXXXXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, TransUnion and XXXX has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?
Product: Checking or savings account

5/3 Bank charged me {$30.00} to send my debit card express mail to me. Their customer service told me XXXX receive my debit card in 2-3 days. Its already been 5 days and I havent received my card. I requested the bank to refund my {$30.00} express mail fee and the bank will not refund. Why should I pay {$30.00} for an express service that I did not receive?
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Resurgent capital services will not delete the debt i have no idea about off my XXXX and XXXX. The debt only appears on those credit reporting sites. XXXX removrd the debt. XXXX  XXXX XXXX doesnt even exist no more so i shouldnt have to pay any debt. I been trying to get it removed but they keep telling me to file a police report but i fant because i dont know how or whats going on this is messing up my credit for absolutely no reason. XXXX deleted this off my credit but they wont let XXXX  or XXXX remove it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act. Specifically, Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error results requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

WF CRD SVC Hard inquiry was ran without my consent on XX/XX/2024 XXXX Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.
Product: Credit reporting

Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, XX/XX/XXXX, and Experian continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.
Product: Debt collection

I received a letter from Debt Recovery Solutions on XX/XX/XXXX that stated I owed {$240.00} to XXXX XXXX for an unpaid payday loan.. I disregarded the letter bc I do not owe XXXX  XXXX anything and I currently have a payday loan with them and you cant have a new loan unless the other one is paid off. The next day I was notified by XXXX  and XXXX  and XXXX  about a collection from Debt Recovery Solutions. On Monday XX/XX/XXXX I called Debt Recovery Solutions and I explained to them I did not owe anything to XXXX XXXX and I have the receipt that shows paid in full on XX/XX/XXXX. They said to send documentation to XXXX which I did when we hung up they said it would take 3 weeks or so to resolve this. On Tuesday XX/XX/XXXX I called XXXX XXXX to see if they can help me and they said that they do not know how Debt Recovery Solutions obtained my info. They said they did not sell my info to a 3rd party. I am writing this complaint bc Debt Recovery Solutions is fraudulently reporting a collection that has been pain in full since XXXX XXXX There is no reason this should be on my credit reports. I owe no money to XXXX XXXX and Debt Recovery Solutions I believe is committing fraud and committing a crime by falsely reporting something that is not true ... I have attached the receipt from XXXX XXXX that shows paid in full on XX/XX/XXXX and also the letter Debt Recovery Solutions sent me dated XX/XX/XXXX ..one year and three months after the debt was paid in full
Product: Checking or savings account

I opened an account with Chase online in XXXX because they stated they would accept third party checks. I had two third party checks, amongst the five checks I deposited in person at one of their branches in XXXX. Two of the checks were for ( i ) a defective camper we returned to the RV company-the check is from an RV business and ( ii ) a check from an insurance company-we cancelled the insurance on the camper after we returned it. Chase deposited the checks, said they may need to contact my son-in-law to whom the checks were written and Chase has since verified the funds, but Chase refuses to give me any information or unfreeze the account. I have made multiple calls to the branch, which at one point told me they closed the account ( offered no reason as to why ) and mailed a check to me. When the check did not arrive, I contacted the local branch, which referred me to their corporate headquarters and when I contact their corporate headquarters they pass me off from one person to another. When I called to speak with a corporate officer, they transferred me to a phone line that states I must call back or send my inquiry by email, which then disconnects the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not conduct a non permissible inquiry investigation on my previous complaint. They send me a bill or rights documents. No investigation at all conducted. 

The following are non permissible inquiries which I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I demand for this matter to be investigated otherwise these to be deleted immediately.
Product: Debt collection

Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Checked my credit report - There was a XXXX  XXXX  credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to XXXX  XXXX  notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent XXXX XXXX  another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent XXXX  account. I included copies of the police report and the FTC report and the intial letter I sent XXXX. 
XXXX Received letter from XXXX  stating that they completed their research and they Deleted the XXXX  XXXX account from my credit file XXXX Received letter from TransUnion stating that they added the XXXX  XXXX  account back to my credit report As of XXXX I have never received a letter from XXXX, I have never received a bill from XXXX. I have received nothing in writing from XXXX yet this account still remains on my credit report under TransUnion. I do not have a XXXX XXXX  credit card and XXXX  XXXX  does not respond to my letters.
Product: Checking or savings account

I am writing to express my profound disappointment and frustration regarding the handling of my account at Navy Federal. Recently, I was shocked to discover that my account had been closed due to nearly {$400.00} in overdraft fees, despite my efforts to rectify the situation with a substantial deposit of {$550.00}. 

The circumstances leading to this closure are deeply troubling. Over the course of three months, my account was plagued by non-sufficient funds fees, which accumulated unabated. Despite my attempts to mitigate the issue, it appears that the bank failed to intervene or provide any meaningful assistance. It is profoundly disheartening that Navy Federal allowed these fees to accrue unchecked, up to the very moment of account closure. 

As a loyal customer, I had hoped for better communication and support from Navy Federal during this challenging period. The lack of proactive measures to prevent the escalation of fees is concerning and reflects poorly on the bank 's commitment to customer satisfaction and financial responsibility. 

I urge you to thoroughly review my account history and consider the extenuating circumstances that led to this unfortunate situation. Furthermore, I respectfully request the immediate reversal of the accrued overdraft fees and the prompt reinstatement of my account. I believe that this is a fair and reasonable course of action, given the substantial deposit I made in good faith to address the issue. 

Please understand that the closure of my account and the burden of these excessive fees have caused significant distress and inconvenience. I trust that Navy Federal will take prompt and decisive action to address this matter and restore my confidence in the institution. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and resolution.
Product: Debt collection

I was served by XXXX XXXX County back in XXXX 2020, I never received anything from this company prior. I called Berman and Rabin the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted todayXX/XX/20by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been inaccurately linked to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue promptly as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has placed a collection account on my credit. Per15 USC 1692 part of the Fair Debt Collection Practices, is to protect consumers from debt collection .Please remove and send confirming documents of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Jefferson Capital Systems LLC ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX )
Product: Credit card

On XX/XX/2023, I got an email from Chase, saying that I owed {$35.00}, due XX/XX/2023. I didnt recognize the debt; found it suspicious. I tried to follow the links to find out if I owed and to pay for it, if legitimate. I tried to pay it, because the amount was so small. I knew it was Chase, but I had paid off the cardI had with them, and had not used it since. The links didnt work. So I waited to learn more. 

Next thing I know ( on XX/XX/2023 ) there was a late payment registered with XXXX, and its by Chase ( XXXX ). It lowered my credit score by 105 points! I called Chase and paid the {$35.00}. The agent could not say what the charge was for. I paid the balance due, asked them to close the account. I thought it was closed. I asked them to consider reversing that report of late payment. They told me to call XXXX. XXXX said there was nothing they could do, but I could file a complaint.
Product: Debt collection

about couple of months ago i received a call from about a credit card that i had i think was charge off and was sent to another company and it was reopened with balance of {$1900.00} the guy ask me did i have knowledge of it i said a little bit.the guy said they sent me letters pretaning to this but i do n't recall he said to keep a judgement from going against me or garnishing my wages he would take the balance down to {$1200.00} i was nervious so i agreed to make payment but what i quote him at first was to high for me i could n't afford it.so we agreed on {$50.00} bi - weekly .i Sign the document by computer and i also had to give them my account # to the back for debiting.I can send you a copy of the contract.when i look the company up by name i think just and address and phone # came up.please let me know if i did the right thing or if anything can be done at this point please help if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of the information on my credit report as listed by XXXXXXXX XXXX  Experian responded that the information was verified as accurate, I requested an investigation. They stated that the information was verified as accurate. I put in a complaint with your office and the company said they provided me with contract and payment information by mail, they did not and have not to this day. I mailed a letter to Experian requesting a copy of the statements and contract with them and any document giving them the ability to collect because I do not have an account with XXXX XXXX XXXX called Experian to determine if this information request was listed correctly, it was not. I asked them today via phone for the method of verification of accuracy based on 611 of fcra XXXX XXXX and the special services department told me that they had no idea what I was talking about. It is my understanding that the credit reporting agency provides consumers with a method of verification based on that rule.
Product: Credit card

Citi bank, Opened a new card for balance transfer, was approved instantly. Card was to be sent out and about a week later, I received a text message that the card had been sent back. So I called the Citi Bank and was told they would resend it promptly, I did not receive the card. So I called back today for info, Turns out they just closed my account and never intended to send out my card. Took me 30 mins on their customer line and dealing with reps that clearly didn't speak XXXX. This is a hit on my credit report, and I never got my card and instead was offered to reapply to their garbage company.