23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 

This account is not mine.
Product: Debt collection

Asked for collection account to be deleted for incorrect dates. XXXX XXXX XXXX then reached out and threaten to sue me and garnish wages for the debt they bought
Product: Credit card or prepaid card

I have been a customer of Citibank since XXXX and have never missed a payment on my credit card or used any services other than making purchases and consistently pay significantly before the due date each month. However, I received a notice in my email that based on an XXXX credit report that Citibank has made a business decision to lower my credit limit from {$2400.00} to {$1700.00}. The purpose of this complaint is to expose this bank 's unprincipled business action and total disregard just for basic customer service. My response to Citibank 's action about my account is to close it and pay off the balance due of {$1700.00}.
Product: Debt collection

Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Product: Student loan

On XX/XX/XXXX, I applied for the XXXX repayment plan. Due to the terms of the plan, once I was on the plan I should not have accrued interest on my student loans. At this time, my student loan balance was {$190000.00}. 
Due to negligence on the part of EdFinancial, they did not process my application for the XXXX plan. It took months of back-and-forth communication ( during which it seemed that XXXX intentionally delayed communication ) before I finally got placed on the XXXX plan on XX/XX/XXXX. In this time, {$7100.00} of interest had accrued on my loans, bringing my balance to {$200000.00}. Had they processed my application in a timely manner, I would not have accrued any interest. 
After further back-and-forth communication, XXXX XXXX XXXX and XXXX acknowledged wrongdoing and told me that any interest accrued after XX/XX/XXXX would be removed. I was told this on XX/XX/XXXX and have documentation. As of today ( XX/XX/XXXX ), despite further attempts at communication and being told that the interest would be adjusted, the unjustly accrued interest is still present on my account. 
I feel I am being taken advantage of, and that XXXX in intentionally negligent in handling my application and adjusting the accrued interest because it is in their financial interest to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to Experian about an account on my credit report which is ONLY reporting on Experian! I have no idea what this account is for or about. It seems like it is a " payed chargeoff ''. I submitted an FTC Report, but this account is still reporting on my credit report. Account info is list below. 

Name : XXXX XXXX Account # XXXX Amount : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy.

Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX : {$8700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00}
Product: Checking or savings account

My son asked me to sign up for Chime checking account on Chime.com so he can send me {$400.00}, his rent payment to me. I created an account on Chime.com and he sent me {$400.00} from his Chime account to mine. I needed to transfer this {$400.00} from Chime to my XXXX checking account so I can pay the mortgage and other bills on XXXX I logged into my Chime account and linked my XXXX  account using my XXXX creds. Once my XXXX account was linked to my Chime account I tried to transfer the {$400.00} from Chime to XXXX. I received a message that I had to activate my physical debit card before I could complete the transaction. I contact a Chime support rep through the Chime app. I was told that I could not transfer any funds from my Chime account to any linked external accounts until I received my Chime debit card and activated it. I was told I would receive it in 7 to 10 days. I was told this is because it's a security risk and this is their policy. Their whole business model is a security risk. I was told that I could use my Chime virtual card to shop online and online bills. I have XXXX to send my mortgage payment on the first of every month. The virtual card is useless to me. How are they allowed to hold my money hostage until I receive a physical card? I don't remember Chime stating anywhere in writing that you can't transfer any funds to external accounts until you receive your card and activate it.
Product: Checking or savings account

I received 4 emails concerning that a bank account had been opened at Bank of America. I do not have a Bank of America account and have NOT tried to open an account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I have been getting alerts to hard inquiries on my credit. Someone has been trying to open a credit card in my name, and I ended up getting XXXX to put some kind of freeze on my credit.
Product: Credit reporting or other personal consumer reports

I did not authorize the vendor to request my credit report or submit a hard inquiry on my reports.
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and noticed inaccuracies and unauthorized accounts reporting on my credit report these remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A setcion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

During the latter part of XXXX, 2022, I received a out of state check in the amount of {$87000.00} for deposit. I made the deposit onXX/XX/2022. On that date, I had approximately {$16000.00} in my checking account. I asked if i could issue two checks, certified check and wire transfer each in the amount of {$25000.00} ( {$50000.00} in total ) Huntington Bancshares AKA Huntington National Bank said there was no problem to accommodate my request. At this point, I had the bank issue those to disbursements as well as a withdrawal of {$22000.00} in cash. If the bankers said to me, Sir, you don't have enough cash in your account to withdraw funds, you should wait until your out of state check clears the issuers bank, then we can accommodate your request, I would have stopped all transactions and waited for several days. The bankers did not suggest I wait. On XX/XX/2022, the {$87000.00} check was returned unpaid indicating the check was fraudulent. Perhaps Huntington Bancshares AKA Huntington National Bank should have followed procedures to make sure the out of state check cleared. Huntington Bancshares sent me a letter 5 business days later indicating the illegal check should not have been used to issue any disbursements onXX/XX/XXXXcircumstances.XX/XX/2022. I then engaged XXXX XXXX to help me with these
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is in response to the answer that I received from one of the account holders on my credit report. To explain, the identity thief didn't open this account. This account is mine and he/she made fraudulent charges to my account in this specific situation. In others, he/she did fraudulently open other accounts. This was not one of them. Also, according to The Fair Credit Reporting Act, as a victim of Identity Theft, I have the right to inform you to stop reporting this inaccurate information and I am telling you to stop reporting this false, fraudulent, information to any of the credit reporting agencies or any company for that matter. ( FCRA Section 623 ( a ) ( 9 ) ). As a furnisher of this info to the credit reporting agencies. You are directed to inform them of this corrected information so they can remove, block, or delete the account. ( Section 623 ( a ) ( 2 ) ). I have attached all of the supporting documentation to this complaint.

In closing, this account and the fraudulent charges made to it have been a thorn in my side for far too long and I am demanding that this issue be resolved immediately! Otherwise, I will have no other choice but to take this problem to a higher authority, I. E. my Attorney General. If this doesn't resolve my issue I will have to enlist the services of my personal attorney because it is evident that my rights as a consumer are being violated and this is not right!
Product: Money transfer, virtual currency, or money service

I accidentally added non-ERC20 Ethereum address which I created at Coinbase to the dashboard of XXXX. I should have used ERC20 compatible Ethereum wallet address. After I made transactions, XXXX  sent XXXX tokens via a smart contract to Ethereum address which I created in Coinbase. 
I have invested about XXXX in XXXX tokens which makes XXXX XXXX tokens. I can wait for a ticket resolution for several weeks. In fact there is more you can do to assist me as I know that it is technically possible that you can transfer these tokens. 
The XXXX  XXXX XXXX has proof that there are tokens in address which is created in Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 card or prepaid card

I placed an online order with Home Depot in the amount of {$110.00} ( the total purchase was {$160.00}, I used a {$50.00} gift card to reduce the amount to {$110.00} ) to be shipped to the local HD store. When I got the confirmation email, it showed that the item was being shipped to the wrong store ( one far away from where I live ). I called immediately to fix it and I was told the only thing I can do is cancel and then redo the order, which I did. A week later I picked up my item. 

My problem is they never refunded the order I cancelled. I called their credit department and they confirmed the charge was still there. I was told I need to speak with the website people to resolve it. The website people told me I need to go into the store to resolve it. When I went into the store, the people told me I need to call customer service. Then I was told the issue has been resolved and the charge should come off my account within the next 3-4 days. That was over 2 weeks ago. 

I have since spent over 4 hours on the phone with HD Online, HD Credit and HD customer service workers that are unable or unwilling to refund the fraudulent charge. Most recently I was told I can open a complaint and that it would be reviewed in 6 weeks. That is unacceptable to me. 

The original purchase was made on XX/XX/2022. The order was cancelled on XX/XX/2022. As of XX/XX/2022 the charge remains on my card and despite over 6 hours of time invested into this I have made 0 progress with anyone at Home Depot in regards to a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the bureau requesting validation of debt for charge off account for XXXX on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done XXXX times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XACTUS pulled my XXXX credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted XXXX directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XACTUS morgage to pull credit?
Product: Credit card or prepaid card

I have the credit card from American Express that starts charging a fee of {$95.00} from XXXX. So I downgraded to a no-fee card in XXXX using their online chat service. The agent said they would send me a new card soon and meanwhile I can keep using the old card. However I never received the new card and today I found they charged me of {$95.00}. 

Besides there are other fees I'm not aware of I need the company to give me an explanation.
Product: Mortgage

3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan.
Product: Checking or savings account

I tried to link account to XXXX for car payment while buying. It was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.
Product: Vehicle loan or lease

In XX/XX/XXXXXXXX  I've purchased a new vehicle from XXXX XXXX. The loan was financed by Trust Bank. Various services were included in the financed amount, such as extended warranty, maintenance contract, etc. In XX/XX/XXXX2023 I've sold that vehicle, consequently, cancelling additional services : such as maintenance program. After cancelling maintenance program, check # XXXX in an amount of {$1200.00} was issued and sent to Truist Bank, who was suppose to sent it my way ( I don't know why they made it so complicated ). It was cashed by Truist on XX/XX/XXXX, and Trust never sent these money back to me. I've provided all possible requested iformation Trust wanted and still refuse to reimburse me. 
Could it please, help me to fight such injustice. 
Thank you so much for your help.
Product: Vehicle loan or lease

in XXXX, buy a car financed by XXXX XXXX XXXX ( dealer ) to Coast credit ( financial ) this dealer is located in the XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, the purchase was a branded XXXX XXXX XXXX car VIN XXXX, when buying the car notices some strange things in the car that in the dealer indicated that they could arrange it in their mechanical workshop, I took it from times because of a problem when iceding a strange noise but I was told that it was something normal in those cars after six months. the engine was damaged by an internal problem the distribution chain jump and dovulas the valves the caul according to the meccanic the car sold it to me so with that problem and that when using it acress the problem call the dealer and did not make responsibility, a car that in six months was useless and I had to spend more than 2 000 in repair the next year the vehicle again presents a fault with in abs lock the crro at a speed ENTERS IN NEUTRO NOT BEING SAFE FOR PASSENGERS, the repairs of the same were made of which in XXXX XXXX had made two large repairs to that car with expenses of more than 3 thousand dollars, it is clear to see that these dealer people are scammers and sell to their customers cars damaged and do not take responsibility. The car presented or accident that stops the condition of returning it and explaining to Coastal credit what had happened they indicated that they did not have to pay the car, because to see that the car was presented again fault decibi enter it since it was not safe for either me or my family or the people who are on the road.