23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I discovered that immediately after XXXX XXXX removed this negative and false allegation from my credit report. XXXX then immediately transferred this collection to Sunrise. I'm sure in hopes to further cause damage to my credit. I contacted Sunrise that same day and they in turn sent me a bunch copies of bills that explain nothing and nothing regarding my dispute of what I sent to them. the email was as follows : After disputing this charge with XXXX they immediately charged my personal credit card without my knowledge or authorization. After doing so they then sent my account to a collection agency ( XXXX XXXX ). They immediately reported this negative information to the credit bureaus. After notifying them of the fraudulent acts conducted by XXXX, XXXX  XXXX immediately removed the damaging information from the credit bureaus and apparently now XXXX has sent this collection to your company. These dirty deceptive tactics have to stop. I know this is a regular practice of XXXX   and I am aware that they usually win due to the fact of consumers not being knowledgeable or able or willing to deal with the potential negative impact on their credit. The fact that they stole my money from a credit they should have never had on file and the fact the XXXX XXXX removed this from my credit is validation that should not be perused. 
However again in closing I do not owe this debt. This email will serve as evidence to CFPB that I have made an attempt to rectify this situation. Thank you in advance for your time and assistance regarding this matter
Product: Bank account or service

I opened a Citigold checking account in XXXX 2015 with a XXXX Aadvantage miles offer attached and met all requirements. I was informed via chat with XXXX on XXXX XXXX that I had indeed met those requirements and points should post within 90 days. I am providing a copy of that chat. A follow-up phone call on XXXX XXXX with XXXX also confirmed that points should post by XXXX XXXX. Now Citi is refusing to award the points and charging me {$30.00} per month while we dispute this. My appeals were denied. The secured message ( SM ) on their website has not worked for me in weeks and despite my notifying them of this nothing has changed. I finally faxed a copy of the chat to them and have received no response. I have done all that I can to get Citi to honor their commitment and I hope that this agency can assist me in getting the bonus I earned and a refund on the monthly fee ( s ) that I am being charged while this drags out. Thank you --
Product: Credit reporting or other personal consumer reports

Goodyear Tire/Cbna closed my account that was in excellent standing because of inactivity with my Good Year credit card. I was not informed of a time span that my card had to be used or it will be closed, I was not given any kind of notice before they closed my account, nor did they inform me that my account was closed. I found out through my credit monitoring that the account had been closed. After it was closed, I called Good Year, and I informed them that Good Year did not have many stores in my area and also the credit limit was not enough to get most repairs or maintenance on my car. By them closing my account, it affected my credit account in a negative way. It lowered my available credit, it changed my credit score which affected my rate for buying a house, getting a car loan or any other credit services. I contacted them and spoke with XXXX and then her supervisor XXXX. I asked them for some type of information to identify the recorded phone call, but they said there was no way to give me that. They only gave their first names. I asked for the recorded phone call, but they denied my request. I asked them to reinstate my Good Year account because it was messing up my credit score, but again they denied my request. I informed them that I opened this account in 2015 and it has been in good standing and why wasn't I given any kind of notice that they were closing my account. XXXX the supervisor said " they don't have to give me any notice '' I feel this is an unfair credit act especially when they can negatively affect my credit because I haven't used my card in a while. They are now reporting on my credit account " Account closed by credit grantor '' This looks bad on my report and has no kind of explanation as to why it was closed. I would like this whole entire Goodyear Tire/Cbna account completely removed from my credit report on all 3 of the major credit bureaus. These companies should not be able to close an account in good standing just because I haven't used their card. Also, without any kind of notice or warning.
Product: Debt collection

To whom it may concerns, In XXXX, my XXXX XXXX  in XXXX was very XXXX and XXXX. My XXXX  and I packed up to travel to XXXX to take care of her XXXX  who was very XXXX  and XXXX. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX, XXXX XXXX, to ask for permission to rent out our property while we are away. I was told as long as it is at least XXXX -months lease, I am allowed to rent out. 

I also ask for the XXXX XXXX XXXX ( XXXX ) XXXX, I was told it is not yet generated. Therefore, they assisted me to set up my email XXXX in the system so I can receive the bills and documents and all communications while I go to foreign country. They helped me reset the online account to make payment when the statement was available. I also asked for a copy of XXXX XXXX  and received a copy of XXXX XXXX XXXX XXXX in the email that they just set up. 

While in XXXX, I only received a few messages about the XXXX  meetings.. I have never received any communication about my bills. I had trouble logging in to the XXXX  payment portal and it was also difficult to make phone calls back to the XXXX to reach someone in XXXX. 

Around XX/XX/XXXX, I finally found the XXXX phone number that I was able to talk to a live representative. I tried to get help because the XXXX XXXX new payment system did not take my payment. I was told that my account was blocked and I was placed in collection with XXXX XXXX. I argued that I have never received any email about my bills being behind, however, the office XXXX refused to talk to me and she instructed me to discuss with XXXX XXXX because the account is sold to them. 

I contacted XXXX to ask for the breakdown and they sent me the bill with my XXXX  amount due is {$410.00} for XX/XX/XXXX and {$910.00} for XX/XX/XXXX, plus their collection fees, the total amount is {$7700.00}. 

I explained to them that I want to pay for my XXXX  due, but not their collections fees because I have never received any notice from them nor the XXXX about how much I owe. 

The XXXX is currently denied to take my payments, as well as upcoming XXXX assessments. I have to make the payment will XXXX XXXX. Thus, if I do not pay {$7700.00}, I do not have any way to pay my assessments due with knowing it will clear my XXXX  account. My XXXX fee is supposed to be bill {$410.00} semi-annually. 

I requested XXXX to send me something in writing that when I make {$2400.00} ( I believe this will cover all my assessments from XXXX, XXXX, and XXXX ), and confirm with me that money will go to the HOA account and I disputed their Collection fees because I have not received any contact from the XXXX nor XXXX XXXX before. 
However, I keep getting misleading statements with higher and higher collection bills over time. 

I am reaching out to get help, I want to pay for my XXXX fee and keep my property account up to date. It is not fair for me due to the XXXX XXXX lack of communication, and I am in the collection trap of XXXX XXXX I believe my rights are violated by these companies.
Product: Checking or savings account

I have previously filled a complaint against J.P.Morgan Chase bank which I haven't received any answer or solution yet, Chase bank has repeated the same fraudulent practice again by charging me insuffient fund bank fees by switching transactions and date from XX/XX/XXXX to XX/XX/XXXX, I am a victim of this banks illegal practices and would like cfpb to solve my issue which is financially and emotionally destroying me. 
Every month Chase banks fradulatly charges my account fees from $ XXXX XXXX which puts me behind every month to pay bills on time and support my family needs.
Product: Money transfer, virtual currency, or money service

Company : Paypal My account ( previous ) : XXXX My account ( current ) : XXXX ( I changed after previous email was hacked ) Case # : XXXX ( message : Based on our review, we found this transaction is consistent with your PayPal payment history ) Unauthorized Transactions XXXX XXXX ( - {$1000.00} ), XXXX ( - {$1600.00} ) My mailing address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA, XXXX My phone number XXXX XXXX Description : The scammer purchased something from XXXX using my hacked PayPal account and set the mailing address to XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. My address has been consistent with XXXX XXXX for XXXX  years, and I have to report the address change as a green card holder. And it hasn't changed. Those are clearly different from previous transactions, and Paypal is refusing to admit it.
Product: Debt or credit management

The owner pretended like he wanted to work with me to resolve the issue at hand but in the end he decided to steal my {$990.00} dollars without providing me with the service I paid his company to perform. Please be careful when dealing with this company! I am suspect when it comes to the glowing reviews. I think the phone number they provide on their website should be looked into. Also, the company violated the Credit Repair Organizations Act ( CROA ). 

Do not hire XXXX XXXX to repair your credit! I was contacted by XXXX who convinced me to hire them to repair my credit. Days after I hired them his assistant XXXX contacted me stating that they sent my dispute letter out and they would contact me XX/XX/XXXX, to give me an update. The next day XXXX called me and said he would contact me XX/XX/XXXX. This had me wondering why was I getting XXXX different dates from people who work closely together. I then sent XXXX an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. XXXX weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted XXXX requesting a copy of the certified mail receipt and dispute letters. This is the response she provided : Goodmorning Mrs. XXXX, we sent your first-round letters out on XX/XX/XXXX. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies. 

Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience. 

I then realized I was scammed and contacted both her and XXXX making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose {$990.00} for the first-time fee and then {$110.00} a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire XXXX XXXX to repair your credit. I think they were trying to keep me on the subscription for as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are not following the guidelines of the FDCPA when it comes to investigating has been over 30 days since disputed several times remove or update payment on account XXXX XXXX XXXX
Product: Checking or savings account

And Saturday, XX/XX/2018 I called Chase bank to increase my daily allowed cash withdrawl via an ATM so I may withdraw {$660.00} for that day only. I went to the ATM machine owned by Chase bank in front of XXXX XXXX on XXXX XXXX in XXXX Michigan. I attempted to withdraw {$660.00}. The machine only gave me {$40.00} ( 2- {$20.00} bills ) I saw the machine had only given me two bills so as I withdrew the two bills from the machine I held it up to the machines camera. As I was still at the machine, I called Chase bank. I explained the issue. The escalation department stated that I would have the money back in my bank account within 12 hours. After 12 hours, I did not have the funds in my account. I called Chase bank again and was told that the funds would be in my bank within the hour. I called back the next morning and was told that I would not have the money until Tuesday as the transaction had to go through and not be in the pended state. I received a call on Tuesday, XX/XX/XXXX and was told that the bank had sent a team out to reconcile the machine. The representative from Chase bank informed me there was no issue with the machine and I would not be getting my {$620.00}. I explained to the manager of Chase Bank on the phone that I had held up the money I received and ask them to pull the camera from the ATM. On Wednesday, XX/XX/XXXX I went to the chase bank in XXXX Michigan. I was told by that branch manager that I needed to file a police report and get a subpoena in order to have them pull that camera. When I spoke with a police officer to file a report, he stated that it was not a criminal matter, but instead a civil matter and there was nothing he could do. I asked him to call the branch manager with whom I spoke at chase bank in XXXX Michigan. The police off they said there was nothing more he could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Experian is invading my privacy, I have had adverse events that have occurred due to the reporting of inaccuracies. I have also attached a police report to show my personal identifiable information was stolen. 

I would like for all of the addresses listed below to be TAKEN OFF MY PROFILE. The only address is the address listed on my XXXX Identification which is attached Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The name listed below is inaccurate and is not the name on my identification - XXXX XXXX XXXX I would like for all of the accounts with balances for account number XXXX taken off my profile as there was no written consent to repost said accounts. 

Account XXXX- needs to be removed as this is a potential negative impact which is an inaccuracy due to this account being paid off. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

I also received a notification on XX/XX/XXXX that I have a new address reporting which I have not ever been to the state of Virginia, nor do I know the people who reside at the address, this shouldn't be reporting on my account. DO NOT ADD THIS ADDRESS TO MY PROFILE ANOTHER INACCURACY. 

XX/XX/XXXX Experian has a New Address on your Credit Report. 
Experian has a new address on your Credit File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Source : Experian Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for method of verification for an invalid collection account reporting to my account. They did not give me a method of verification within 30 days of this request.
Product: Checking or savings account

Wells Fargo closed account no reason around XXXX to XXXX never received a check with funds
Product: Checking or savings account

Hello, I was at work XX/XX/XXXX. I received a phone call from electric company saying that my electricity would be turned off 30-45 min of my home address. The truck is in route. Press 1 to speak to a representative. I pressed one and and a man said he was from the electric company and i was past due on electric bill. He knew my address and account number. I said i paid my bills but i may of missed it but you turn off for one late payment. He said 2 notices were sent to my address. ( he said my address ) i asked can i give a credit card payment. He said no. It has to be done instantly, u can use XXXX on your Bank of America count. I asked what is XXXX? He said it is secure sending with your Bank. I went to my Bank of America count and sent XXXX to a number for electric company. I than was asking more questions and said i see i made a payment XX/XX/XXXX. He than said i do not see that let me transfer you to the account manager. I am transferred. The count manager was looking at my account and said i do see a payment. We need to get you reimbursed this amount. There is a glitch in my account because the electric company gave a covid relief money to help with the hardship. We need to reimburse you. Didnt you see this in your bill? I said no. We actually owe you but there is a glitch in my system since you didnt claim. We can put this back in your account now. What is your account number? I said i do not feel comfortable doing that. He said all will be fine. Im starting to get upset and said just credit my account. What is your name? He said XXXX XXXX. Gave me my case number. 2 numbers and said not to worry. He said we can do it on XXXX than. Put in amount XXXX send it and than i will send back to you plus what we owe you and the computer glitch will be fixed. It will continue to do this every month until we fix the problem. He said dont worry it will go directly into your account. There is a glitch in the system here with your account. I am now so confused and felt something not right. I am questioning everything but continue Bank of America text me and said do you approve this amount yes or no. I said yes and told the guy this doesnt feel right. i also text my husband and told him to call Bank of America. Do not let money come out. I told the guy my husband involved now. He told me to tell him it be ok. I am still on the phone with the XXXX from the electric company. ( my husband calling bank of America ) i said my money u owe me is not back in my account yet. He gave me a conformation number and said wait a few minutes it will come up. All is good. I see a warning from bank of America in my email now that said fraud alert call immediately or funds will not be released. I thought i maybe protected than. I hung up on the guy and immediately called Bank of America and was transferred to XXXX. I was so worried about my electric being turned off. Its almost a 100 degrees here and i have a XXXX son at home being watched. I thought Bank of America had my back but they transferred the money anyways.
Product: Checking or savings account

On my previous complaint, this company Payfare ( XXXX XXXX ) deactivated my account for reporting to cfpb that my account got hacked and money was taken out of my account without my knowledge. They said I was the one who made the transactions even though I don't even have the new card in my possession. They said the card was added through some device. I was not the one who added the card and I did not use any of that money. I need my money back ASAP. I will be submitting a court claim if I don't get my money back!