23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I deposited my tax refund check into chime. They immediately closed my account for no reason. I received an email saying that there was a suspicious load. I have no suspicious loads I have never broken any user agreement they are stealing my money. I've tried to contact them several times with no results they keep sending me the same email asking for the same information. I have sent everything they have asked for and still no results. They are severely messing withy livelihood and credit. I just want them to reactivate my account as if it was never closed. They are also messing with my credit by closing the credit account they are providing something they are supposed to be helping me improve. Then by closing the account with no warning caused me to miss credit card payments on cards I've never missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned XXXX have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until mid-XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/XXXX or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.
Product: Credit card or prepaid card

On XX/XX/XXXX the following charge appeared on my Coinbase Card : {$13.00} Merchant : XXXX  Date & Time : XX/XX/2022 XXXX XXXX Asset : USD Coinbase fee : {$0.00} Total USD : {$13.00} I contacted support via phone and email on XX/XX/XXXX and XX/XX/XXXX. Phone support assured me they would investigate. Email support seems to have no record of this. In addition, they asked me for more information. All of this information was already provided in the first email, the phone conversation, or obvious from context. For example, I informed them in the first email ( and on the phone ) that the card was in my possession. Or, regarding whether this was a recurring charge or I tried to resolve it with the merchant, I don't know who the merchant is ( and certainly couldn't figure it out given the paucity of information they provide in the statement ) and it's obviously not a recurring charge, since I don't even recognize the charge. Every time this happens with a reputable card issuer, a refund is issued while the investigation occurs, but they have told me it could take 90 days. Given their stalling tactics, I would like the clock to at least start from the point of first contact, XX/XX/XXXX, if they do in fact have 90 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report and noticed that I had a fraudulent account which was an error by XXXX XXXX XXXX & XXXX XXXX. I realized it was an error and contacted the companies to make sure it was an error because i have no history of renting any apartments I 've been living in my single family home for over 15 years now. I contacted the credit bureau along with the creditors to make sure that I was correct and that it was an fraudulent error between the credit bureau and the creditor. I explain it on several occasions by sending certified letters over to both the credit bureau and the creditors for the fraudulent account. I provide professionalism in all that I do but I am now in distress about these accounts and it 's sad that these credit bureau have falsely accused me of this account and I refuse to take blame for this. It 's annoying and it 's a pain in the XXXX XXXX. I did all the everything possible to be told the account is verified. No verified documents was sent over to me. Therefor any error on my credit report should be removed. I sent over at least 5 letters concerning this account and was always ignored.
Product: Mortgage

We did a cash out refinance with Caliber Home Loans they still have not paid out {$2800.00} of the cash out and our first payment is due they are in breach of the contract
Product: Credit card or prepaid card

The minimum payment amount for my credit card changed without notification which meant that my scheduled payment did not suffice the minimum. I was then charged a late fee for payment and my minimum payment increased again, I assume because of this " late payment '', all without notification. The late fee pushed my balance over my credit limit and the insufficient payment meant my credit score was affected by the " delinquency ''. During this time, before was aware of this situation, I applied for a personal loan to consolidate this credit card debt to get a better interest rate and stable monthly payment, which would make it easier for me to pay off the debt quickly, and was denied because of this " delinquent payment '' which I don't have any other history of, to my knowledge. Bank of America does not offer a function which allows for you to just always pay the minimum, whatever that may be each month, therefore making their automatic bill payment function basically useless. Also, the late fee I was charged without being notified, which would have allowed me to rectify the payment amount, was more than my minimum payment had been. If they had simply notified me of the increased minimum payment amount I could have covered it and avoided all of this.
Product: Debt collection

IDEAL COLLECTION SERVICES ACCT # XXXX {$2100.00} ARE REPORTING A COLLECTION ON MY CREDIT REPORT AS WELL AS MY WIFE AND DAUGHTER. I HAVE NO IDEA WHERE THIS IS FROM AND I'VE BEEN DISPUTING IT FOR A FEW MONTHS AND THE CREDIT BUREAUS KEEP SAYING IT'S VERIFIED AS MY ACCOUNT.
Product: Credit card or prepaid card

Citi closed my credit card after a review of my credit report without due cause or notification to me. On or about XX/XX/2021 Citi reviewed my credit and saw that my ex husbands bad debt was reported on my account. Due to that debt they canceled my card without any notice to me. When I contacted them on the telephone they refused to tell me why they canceled my card. It is my understanding that they can not cancel my card for a bad report on my credit without notifying me. I am disputing the bad credit report that resulted from my ex husband and it will be removed as it was not my debt. I was not even an owner of my ex husbands account but only a signer without any authority or ability to removed my name from the account. The divorce judgment shows my ex was the owner of those accounts. 
Regardless of my ex husbands bad credit, I had the Citi card for over 8 years without one late payment or problem. It is wrong for them to cancel my card without any notification to me or ability for me to object to the reason why it was closed. This will show badly on my credit report once they get around to reporting it. What a terrible company to do that to a good customer who had perfect payment and credit history.

See page 14, item 23.1 of attached judgment which shows that the bad debt reported on my credit was my ex-husbands - Citi closed my credit card immediately after this debt was reported. Had I known I could have fixed this months ago.
Product: Debt collection

Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX/XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX
Product: Checking or savings account

Ally invest charged a {$200.00} fee to offset bonus earned for opening account, in error. 

The terms of the offer do not allow them to levy this fee.
Product: Debt collection

Cascade Collections in XXXX, Oregon state in written form ( XX/XX/XXXX ) that a debt of {$820.00} was owed and that if I didnt pay or respond by XX/XX/XXXX that I may be taken to small claims court.

The actual amount owed was {$660.00}. Collection agency stated above, lied about the amount owed. Ive paid the debt in the amount Cascade Collection falsely claimed I owed under the assumption that I may be taken to court otherwise.
Product: Checking or savings account

Someone got into my account without my knowledge and apparently tried to make some deposits. USAA froze my account and then decided to close it. At which time the kept all my money and telling me it will be sixty days before it's released.. I have nothing to live on as everything I have is in that account. How can they put me in this hardship when I did nothing wrong? I need that money to live. I'm XXXX and unable to work so I depend on my retirement and XXXX checks to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But XXXX  and Experian will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.
Product: Money transfer, virtual currency, or money service

I opened a Bank of America account for the season, I came as a XXXX to do a Work and Travel experience. The XXXX and XXXX of XXXX I had 4 transfers, which add up {$2000.00}, that were made from my account through the XXXX option. And I want to clarify that I DIDN'T DO THOSE TRANSFERS. I made a claim in a financial center located in XXXX XXXX and they started a fraud investigation. The claim number is XXXX and it was rejected because the bank says that it was made using a device that was already authorized. I used to live in a house full of people, and I really don't know if someone might have grabbed my phone and did those transfers. 
I went back to XXXX and I am currently here, I am not going back to United States. I tried to follow up the claim via phone call and they blocked my account. They couldn't verify my identity without me having an American phone number, that is information I was never given. In addition, I started to have spendings on my debit card, that I was also not doing and I wasn't able to claim them if it wasn't via phone call, so I also lost more money there. After leaving the country I had to cancel that card also. Now in my home banking those spendings magically disappeared. Also, the answer of this claim came to me XX/XX/XXXX. 
After this I contact the person to whom the transfers were made because in the app appears the phone number and the bank gave me no more options and she told me that she made a refund to the bank with the amount of {$2000.00}. This person is called XXXX XXXX and her phone number is XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

The company states the I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Product: Debt or credit management

Rocket Money I subscribed to Rocket Money and found interesting their " negotiation of bills '' option that offer. 
After days of subscribed, i got a request of user name and password from them in order to proceed with " negotiation " of bill from XXXX after this i got an email saying that their negotiation gas successfully and is saving me {$500.00} per year or XXXX XXXX  monthly. 
Also that since there was an agreement for 40 % of savings for successful agreement they were gon na charge {$200.00}. 

Originally didn't find it strange. But when i started analyzing my bill from XXXX. There were no change at all. The same amount i was paying i will continue paying. So what really hapenned is that XXXX gives the change with 1 click of continue with the same benefits of the plan.

However even having not doing any negotiation as manifested. They wanted to charge for something not done.
Product: Vehicle loan or lease

In XXXX of XXXX, I was hornswoggled into a dubious and predatory loan by a XXXX dealership in XXXX XXXX, NJ ; in conjunction with Credit Acceptance Corp. Unbeknownst to me, they surreptitiously added several thousands of dollars to the loan that was granted to me, under the guise of an " extended warranty '' for a base model XXXX XXXX XXXX XXXX with close to XXXX miles. 

The initial purchase price of the vehicle was {$8800.00}, with monthly payments of {$370.00}. For more than 2 years, I steadfastly made timely payments, but the balance almost remained the same. From what I gathered, my interest rate was over 24 %, which explained why I could not pay down the principal, even though I tried. This duplicitous contract took it's toll on me financially and left me almost impecunious. Out of exasperation, I was forced to have a voluntary repossession. It would have taken me about 15 years to pay-off the car, and perhaps, paid XXXX times the price of the car! 

Ultimately, after repossession, the vehicle was sold at an auction, without any prior notice to me. The date, time or location was never communicated to me. This totally negates New Jersey statute that stipulates that a lender must give at least 15 days prior notice to the Lendee, in the event of an auction. 

Credit Acceptance Corp. sent me a current balance of {$13000.00} and has also reported to the major credit bureaus as purportedly owed by me, after the car was sold. This subterfuge needs to end! 

I would like to partake in the class action lawsuit to, first and foremost, have my default status expunged from the credit bereaus ; and be recompensed for this finagling and underhanded contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts. 

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX Please remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). 

Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XX/XX/2024, I have reached out to Experian and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Experian on XX/XX/2024 stating that they had validated the debt and verified it to be accurate. The problem with this statement is that they did not nor did they provide verification as to how the debt is owed as requested in my prior letters to them. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on 2 separate occasions and no further action has been taken. I've been getting the complete run around. On or around, XX/XX/2024, the 30 day time period had passed from the date I mailed my last correspondence to them. And, I still hadn't received any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. 

During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. 

Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Experian has done me a complete disservice in not properly investigating this debt on my behalf. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. 

I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXXXXXX XXXX XXXX As XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.