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

I disputed a transaction on XX/XX/XXXX to Netspend, for an owed refund. I gave the company vial information and explained that I was trying to get a cash advance from the merchant but was told there was not enough money available for the transaction. I had already swiped my card as if the transaction was going to be completed. I was told by the merchant a refund be given in XXXX business days. When the refund was not received I disputed the charge. On XX/XX/XXXX I was told my dispute was denied and no error was found. Netspend sent my a copy of the receipt the merchant sent to them and it was fraudulent. I told this to the Netspend and was to there was nothing they could do. So Ive tried multiple times to speak with the dispute analysis, supervisors, etc and no help was given. I feel unsafe to have money at this company because if they allow anyone to just take my funds with little to no help to retrieve it, what good can you be to keeping my funds safe.
Product: Student loan

I found out they have been harassing a former roommate of mine trying to get my contact information. 
This is a person I lived with for one summer, over ten years ago, and I havent even talked to for several years.
Product: Vehicle loan or lease

When I turned a leased vehicle into a purchase back in XXXX of XXXX Honda did not release the title to me and my bank properly or timely. It is now XXXX, and the bank STILL has not received the title. 

I asked Honda to put in a request with the Indiana XXXX XXXX XXXX XXXX for a duplicate title. The XXXX has not processed the request as of today, XX/XX/XXXX. It has been XXXX days since they received the duplicate request. 

The ball is in Honda 's court to inquire with the XXXX as to why the request has not been processed. However, their policy is to wait XXXX weeks, and have said their policy is not call the XXXX before then. They are able to make this call, but they are using an arbitrary policy to NOT contact the XXXX. I am unable to wait any longer, as I need this title issue corrected in order to deal with my insurance company. 

This is not the first time they've changed contact expectations. When I first spoke with Honda Financial at the beginning of XXXX, they said that the title could be processed within a few days. Now I've had to wait until today, and now I have to wait another XXXX weeks. 

I need Honda Financial to connect with the Indiana XXXX XXXX XXXX XXXX in order to process the duplicate title. There is no reason this process should be dragging on at this point. It is not an undue burden on Honda Financial to participate in a phone call with the Indiana XXXX in order to complete this process.
Product: Credit card

Due to financial hardship, the credit card company Barclay offered a settlement offer which was accepted and payments were made. Then the settlement offer disappeared later on and now representatives say there was no settlement offer, even though it was in writing they have also refused to reopen the account.
Product: Debt collection

Subject : Complaint Against AssetCare LLC for Failure to Provide Proof of Debt and Negative Reporting to Credit Bureaus Re : Original Creditor : XXXX XXXX XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$1400.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against AssetCare LLC regarding an unresolved dispute over an alleged debt originally from XXXX XXXX XXXX XXXX. The details of the account in question are as follows : Original Creditor : XXXX XXXX XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$1400.00} Nature of Complaint : Despite my attempts to resolve this matter directly with AssetCare LLC, my requests have been ignored. I sent a formal dispute letter to AssetCare LLC, requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response or proof of debt from them. 

Instead, AssetCare LLC continues to report this unverified debt to major credit reporting agencies, which negatively impacts my credit score and financial reputation. Their failure to provide the requested information and the continuous negative reporting is causing undue stress and hardship.

Steps Taken : Dispute Letter : I sent a detailed dispute letter to AssetCare LLC, requesting validation of the alleged debt. The letter was sent via certified mail to ensure receipt and included comprehensive details about the debt and my demands for verification.

No Response : Despite the certified mail receipt, AssetCare LLC has not responded to my dispute letter nor provided any proof of the alleged debt.

Negative Reporting : AssetCare LLC continues to report the alleged debt negatively on my credit reports, further exacerbating the situation.

Attached Documentation : I have included a copy of the dispute letter I sent to AssetCare LLC for your reference and review. 

XXXX XXXX : I kindly request the CFPB to intervene and assist in resolving this matter. Specifically, I ask for the following : An investigation into AssetCare LLC 's practices regarding this alleged debt.

A directive for AssetCare LLC to provide the requested validation of the alleged debt.

Removal of any negative reporting related to this alleged debt from my credit reports until the debt is validated.

Assurance that AssetCare LLC complies with the FDCPA and other relevant consumer protection laws. 
Thank you for your attention to this urgent matter. I hope for a prompt resolution to avoid further damage to my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 CPS XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX {$97.00} Someone use my XXXX account to make a unauthorized charge, so I closed my XXXX account and called my credit card Ally Card. And they said i did the charge and they will not provide me with any proof of it. XXXX will not dispute it because I closed the account. Ally will not dispute it because it was done through XXXX so I have no recourse, I asked to be provide written proof of the change and received nothing but being hung up on and being called a liar. I closed my Ally Card and will not pay them anything. 

Ally Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Theres no way to get in contact with a live operator or representative through Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked Experian, XXXX, and XXXX to delete inaccurate information from my report regarding the below accounts that does not belong to me. 

Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : {$1100.00} Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off
Product: Mortgage

I am trying to work with my lender on a loan modifcation and they are refusing to review my loan for a modification. I have a FHA loan and they are advising me that my packet had to be sent to them XXXX days before the forelclosure but i didn ; t even know i had a foreclosure until 1 week ago. Also i did not receive the foreclosure letter until XXXX XXXX, 2015 there was no way for me to send the packet in XXXX days before the foreclosure when i did n't know there was a foreclosure until XXXX days before the scheduled date. Please help me keep my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?
Product: Checking or savings account

I had my identity stolen a few months ago. Unfortunately my social security number, bank accounts cell phone and even my virtual wallet and email address was used. I filed a police report that I have continuously updated and provided Citizens bank. I opened citizens bank acct after reporting identity theft on the government website, I picked citizens because they service my current XXXX XXXX.my citizens account was hacked and they have documentation from a call made from XXXX that my citizens acct number was given over the phone to someone who provided them my information. Within XXXX weeks my bank acct was drained. Citizens refuses to give me my funds made despite everything Ive given them. They claimed it matches my account patterns which were not even established before XXXX days and they are only similar to other fraud charges made, none that I made
Product: Checking or savings account

My account has been locked by Citibank for over a month. 
I was advised to go to a branch to get it settled but they have no branch locations. 

I call customer service and was told my account was under review and they have decided to close my account with in 60 days. 

I have written letters requesting that they not close my account as I have had an account with them since XXXX or so with no over drafts nor excessive usage. 

I have a checking account and Instant loan account which I also never use and a brokerage account. 

I also have my XXXX account attached to the account. 
I can not use my debit card which I don't use but I do use the XXXX. 
XXXX says I have to contact the bank to get them to release my phone and email before I can attach it to another bank. 
All of my XXXX  payments have been verified by the senders and no one has filed any complaints about sending me the funds. 

XXXX XXXX
Product: Debt collection

This company has contacted people whom I have never given them the number for including coworkers and old high school friends. They have called my work phone more than 5 times in a day and contacted my Human Resources ( who sent me an email ). I work for XXXX so they are continuing to harass me after through large departments who they again were never given the pone number to. I have never received a call or letter at my home so they have not attempted to call or contact me directly. They are causing XXXX on me and at this time I am not in a place to deal with more than what is already surrounding me. They are XXXX the people they are contacting ( XXXX is over XXXX years old ) and making them think there is something detrimental to my well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my annual credit report and noticed errors reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( TransUnion, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( TransUnion, XXXX, XXXX  ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries made without my knowledge or permission. 

XXXX : Equifax XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX GARDEN XXXX XXXX CA XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed Equifax Mortgage Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed
Product: Debt collection

Dear Customer Care, I received a letter in my office from Kimball, Tirey & St John LLP asking me to pay a debt amounting to {$40000.00} to XXXX XXXX  btw This company is a debt collector. I never know this person by the name of XXXX XXXX. 

The mail was mailed to this address at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address to my name. I never owned this property before, nor did I purchase it before. 

Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX
Product: Credit card

Company kept associating transactions with another account through their car care service. So activity on this card was limited due to there own negligence. I reported it several times. They sent notice my card would be improving, and a new card was on its way in coming weeks. Then they closed my account with zero notice or solution. Only way to obtain is by pulling credit and reapplying. Synchrony is fraudulent and messes with peoples credit poorly. I am tired of this and want this reported.
Product: Credit reporting 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 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed that several incongruencies and inaccuracies are the account This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX Account # XXXX
Product: Consumer Loan

America Honda Finance is listing a paid off auto loan as charged off account.
Product: Checking or savings account

I am to receive weekly direct deposits from my employer EVERY Wednesday. Today is Friday & Capital One 360 has YET to release my funds. I did not receive my paycheck on Wednesday XX/XX/XXXX along with my unemployment direct deposit that was supposed to hit my bank account as of today Friday XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I sent my FTC report, XXXX  Drivers license by certified mail to XXXX, XXXX, and Equifax. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.
Product: Credit card or prepaid card

My information was fraudulently obtained to open an account with Chime. I received a XXXX XXXX card with an issued account number and routing number as well. I contacted the card company and my email address and phone number did not match the ones that were provided when the card was apparently applied for. The situation is being investigated by their fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just enrolled into XXXX XXXXXXXX XXXX XXXX XXXX because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think 4 since XX/XX/1922 one showing my social security number with the wrong address and the other 3 with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the dark web as told to me through XXXX XXXX XXXX XXXX XXXX. Also I have received strange inquiries through my text msg on my cell number recently through XXXX XXXX asking me to receive an money request and I have no XXXX XXXX XXXXn my name. Also I reported last month the same as I received an email about a PayPal account that I never opened which I called them and reported it. As well as there is two old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely XXXX  computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. XXXX  who would XXXX XXXX XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an XXXX  bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX XXXX  that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.
Product: Debt collection

Please verify this account and please send me the original contract bearing my signature not a computer generated  Bill or i temized statement
Product: Credit card or prepaid card

Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Product: Credit card

On XX/XX/XXXX I spoke to someone at Comenity Bank about my XXXXXXXX XXXX XXXX credit card. 

There was a charge on the statement that wasn't mine. The woman at Comenity Bank closed my credit card and said she would send me a new one in XXXX business days. 

It is now XXXX and still no card. If I didn't make a payment on time I get a late charge but, Comenity can take their sweet XXXX time to send me a credit card. 

I have companies that charge to XXXX credit card that can't do it because I don't have a new card and the old card is closed. 

The sad part is, if I didn't call them I would still be waiting for a new credit card. 


XXXX Bless this country!
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second dispute I am up to date on my payments & even paid more than I owe monthly I am on good track record & got very damaging information on my credit report late payments & I'm am not in agreement with this credit reporting company they have no right to damage my credit with these aligations! the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report. show me proof that I am in agreement with you credit Bureau with my signature if you can't provide me with that than you have to take the late allegations all allegations off my report unless u provide me with proof that I'm in agreement with you show me my signature & agreement with you? you said that you were going to talk to the sources this has nuttin to do with anybody but you you have to provide me with legal documentation & signature
Product: Debt collection

My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. 
A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX