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

My Chime debit card had been compromised with a charge that I didn't recognize. I disputed this charge & a new card was mailed out to me. I changed my direct deposit to XXXX XXXX while I waited for the new debit card. When I received my new card. I switched my payroll direct deposit back to Chime. On XX/XX/XXXX my check was deposited and all monies advanced to me through Chime was paid back to Chime in full. XXXX total amount had decreased to {$220.00}, and the amount available to me was {$20.00}. But on XX/XX/XXXX the amount available to me was {$1.00}. I first chatted online with them about this and was told that the amount available was lowered to {$1.00} because I missed one direct deposit in the entire year that I have been with Chime. I understood why the amount was lowered, I was inquiring about the amount it was lowered to. I was then transferred to a live agent where I was told that the system just needed to refresh. XX/XX/year>, the amount that was available to me was {$8.00}. I called Chime customer service again and was repeatedly told that the amount was decreased because one of my payroll checks was not direct deposited with Chime. I kept saying that I understood why the amount available was lowered but I didn't understand why the amount was so low. XXXX service will not allow a withdrawal for less than {$20.00}. XX/XX/XXXX, the amount available to me was {$16.00}. I called Chime customer service again to inquire about the amount available to me. I was once again told that one of my payroll checks was not direct deposited with Chime and that's why the amount was lowered. I again explained that I understood the reason for the decrease but why was it decreased to an amount that I can't even withdraw. I expressed that I had bills to pay and that I had no food and needed gas in my car. The agent began to say again that the amount of XXXX was decreased because one of my payroll checks was not direct deposited with Chime. I interrupted the agent and told him that that's all anyone is saying. But no one is saying why the amount available to me is so low that I can't even withdraw it. I was then told to just wait 24 hours and the amount would probably increase to an amount that I could withdraw. On XX/XX/XXXX, I was finally able to withdraw {$23.00}. Not one person representing Chime offered me any help with this problem. They just kept repeating that the amount of XXXX was decreased because one of my payroll checks was not direct deposited with Chime. I stated that this was not fair and it felt as if I was being punished for trying to protect my money by switching my direct deposit to XXXX XXXX while I waited for my new Chime debit card to arrive in the mail. XX/XX/XXXX was the last contact I had with Chime and told them that they could keep the money and I will just bank with someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be removed promptly. 
XXXX XXXX Balance : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

I was a cash patient to XXXX XXXX XXXX XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) back last year prior to XX/XX/2017. At that time I was a XXXX not having the best health insurance plan so it was best to pay as a cash patient ( per XXXX XXXX XXXX XXXX ). I paid the full amount of {$100.00} for the check up and was told from the front office that my account " WAS PAID IN FULL AND CURRENT ''. My assumption here is the back office was NEVER updated and I find out through a letter from Credit Consulting Services , INC. on XX/XX/XXXX a collection letter that states COLLECTION NOTICE for the amount of {$100.00} + {$11.00} ( Interest ) = {$110.00} I reached out to XXXX XXXX XXXX XXXX in XXXX with the above mentioned address and even on XXXX this business does not exist and is CLOSED. They're now a new business operating under XXXX XXXX XXXX XXXX and when I attempted to get the back end office number to clear up this discrepancy I was informed a contact number to which when I called that number this number was a non existing phone number. This is very frustrating as I never got ONE single letter mail from XXXX XXXX XXXX XXXX over a year later stating I owe an amount to Credit Consulting Services INC,  with a Collection Notice that I owe a debt that should've been cleared up by XXXX XXXX XXXX XXXX when I paid the full amount. Why must my credit be affected as a negative item and suffer when XXXX XXXX XXXX XXXX clearly was at fault by hiring incompetent employees that could not complete a simple task as such as updating a payment record for a cash patient. If any information is needed from my end please feel free to reach out to me.
Product: Debt collection

I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to :
Product: Credit reporting or other personal consumer reports

It is My personal statement that the personal information that is listed on my credit report is inaccurate and needs to be updated immediately to reflect accurate information within my consumer report. 

SEE ATTCHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigate. The inaccuracies are highly interest to my credit score. XXXX XXXX XXXX - XXXX In accordance with the fair credit reporting act, Public Law 91506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the accounts with and follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

A lease was generated for a Washer and Dryer from XXXX XXXX ( order number XXXX ) and it was for a set of blue washer and dryer. See invoice attached for the specification of both machines. 

Upon measuring my closet, I realized the machines we're not going to fit, so I did NOT accept delivery or pick up these machines. I reached out to Acima to elaborate on the issues I've had and Acima responded with a rental contract for the machines, as it is in direct correspondence of the blue washer and dryer ( see invoice for correlation ). 

Acima is wrongfully reporting to my credit bureaus and pursuing an alleged rental agreement for this blue washer and dryer which I did not receive or ever have in my possession. 

Acima is and continue to cause me stress and anxiety and refuses to comply. I also reached out to the company that created this agreement and invoice, and they refuse to work with me. 

See the invoice for the machines and notice no signature for delivery. Additionally, notice the corresponding lease agreement numbers on both documents.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX {$51000.00} Balance updated XX/XX/XXXX Original balance {$79000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Inquiries : 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 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 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 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: Credit reporting or other personal consumer reports

Experian and XXXX reporting agencies refuse to remove these accounts from my name after required documentation was submitted FTC REPORT IS attached. I am a victim of identity theft.
Product: Debt collection

I have endorsed this debt with XXXX XXXX  XXXX and then also disputed this debt multiple times with Suttell & Hammer, yet they keep sending me harassment letters containing my private information that was sold to them by XXXX XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXXXXXX an endorsement where I sent payment in accordance with XXXX XXXX in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm ( Suttell & Hammer ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant XXXX XXXX XXXX I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant XXXX ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.
Product: Debt collection

This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found.
Product: Student loan

Hello. My daughter went to XXXX, a for-profit school out of XXXX. We were given no financial aid right out of the gate so we took multiple loans in my name ( her mother ) -all Federal in the beginning. The school had defrauded us by saying they will place her in an externship making good money, she made $ XXXX/hr on her XXXX ... not nearly enough to start making payments on the loans. The school told us it had a XXXX % job placement after school. That was also a lie. The school also told us it was accredited. Upon her trying to further her education down the line, it is now known the schools accreditation is lost and her credits are not able to be used as a base for furthering her education. The degree that we continue to pay for is utterly useless as no one accepts these credits. We were looking into Loan Forgiveness from being defrauded by the school, but were told since our Federal Loans were consolidated into private loans and they could not assist-even though the loans originally were federally backed. I have asked about Income Based / Income Sensitive repayment, which works for a time being all the while not touching the total amount due and tacks on interest, etc. and is not a solution by any means. I have extended repayment already and as long as it goes just to get the payment down and even that payment we struggle to meet every month. There needs to be a resolution here and we did n't realize that going to a for-profit school would become this kind of a hassle.
Product: Debt collection

I received a notification from a debt collector. I requested for details of the debt. The company was unable to provide but wrote that it has concluded investigations. No details about the investigation was sent to me either. But was reported to the credit bureau
Product: Debt collection

In XX/XX/2018 I wrote correspondence to XXXX XXXX XXXX XXXX XXXX XXXX regarding an account under ARS Account Resolution for {$190.00} showing on my credit report. I disputed that this account was not mine and that I carried medical insurance during XX/XX/2018 I request iim proof of any debt owed and i never received a response. This remains on my credit report and is not legit. Please help me get this debt removed or proof of the account mailed to me. If you need anything from me, please call me ( XXXX ) XXXX.
Product: Checking or savings account

filed a police report and I have contacted Bank of America as well.. I need a number to contact enterprise .. a driver wrote my card number down.. 
XXXX  truck rental has charged my card knowing that it was fraud and wrote down they have not contacted me to resolve this I havent rented anything from enterprises truck rental with my card ending in XXXX Bank of America has yet to refund me my money of XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the complaint with XXXX, XXXX and Experian, they state that the information I submitted as fraud has been verified. They never spoke to me, a family member or a friend. Verifying that someone ( a thief or an imposter ) used my information is not verifying that I used that information, and these should be removed from my account immediately. XXXX has removed the one account ( XXXX XXXX ) from my credit report, and I would like the XXXX and Experian to follow
Product: Consumer Loan

This auto finance agreement was paid in full over 15 years and I would like the content removed from my credit report.
Product: Debt collection

I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense.