23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I purchased a pair of tickets through XXXX to a XXXX XXXX event scheduled for XXXX XXXX XXXX. The total cost of the tickets, including fees, was about {$2000.00}. I financed the tickets through Klarna and the agreement was to make a down payment of about {$240.00} and make 12 additional installment payments of about {$140.00}. I paid the down payment and the loan was finalized and also made my first payment which was due in XXXX, so I have paid so far about {$380.00}. However, without my knowledge, XXXX canceled my order. XXXX claims that the order was canceled due to " payment processing issues. '' However, the loan account with the outstanding balance remains open with Klarna. I informed Klarna that the merchant canceled the order and they said that in order to obtain a refund I would have to go through the merchant, XXXX. XXXX says that I have to go through Klarna since they are the financer. I then initiated a dispute process with Klarna which took about 21 days, before Klarna denied the claim because they allege that they confirmed with XXXX that the order has been fulfilled, which is not possible because the product in question are e-tickets to an event, which are only available for electronic download the day of the event which is XXXX of XXXX XXXX. I also uploaded documentation of a cancellation email from XXXX confirming that my order was canceled. I tried to initiate another dispute with Klarna, who said I had run out of dispute attempts and my case would be handled by an " escalation specialist. '' The escalation specialist then said that there's nothing they could do, the loan account would remain open, and that I would have to resolve this issue with XXXX. The escalation specialist then said to expect the late payments and possible collections action to affect my credit report. This is disgusting, abusive and fraudulent behavior on the part of Klarna. They are still expecting me to make payments on a loan for an order that was canceled, refuse to refund the {$380.00} that they owe me, and are now threatening to make derogatory marks on my credit report. I have consulted with my attorney who has advised me to report this to the authorities, dispute the money owned with my bank, and prepare for legal action in the event that Klarna makes derogatory marks on my credit report in violation of the U.S. Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to  XXXX  LA  XXXX   XXXX   XXXX  LA  XXXX
Product: Money transfer, virtual currency, or money service

I was with Chime from XXXX. They just closed my account in XXXX of XXXX without any warning or reason. When asked why I never got a clear explanation. In XXXX of XXXX I was issued several refunds by XXXX because they closed down their XXXX project. I was issued various refunds. The portion of my refund that went to Chime was XXXX. 
Well my account with them had been closed so I figured the refund would bounce back to XXXX then I can receive it updated. But the money never left. I was confused because my account was closed according to them yet my refund was in my account with them. So I sent them ID SOCIAL SECURITY CARD and even sent them pictures of me holding a piece of paper identifying myself. 
Practically XXXX phone calls and XXXX emails later I still have yet to receive my refund. They would escalate my calls but it was almost like I was being scammed. 
I'm also receiving reports on my credit that penalize me for a Chime credit account I haven't had nor used in nearly 3 years. 
I have plenty of documentation to back up my claims. Chime never refunded money sent to an account they allegedly closed. I'm still getting negative points on my credit score because I'm somehow still enrolled in their credit card program. 
The customer service is terrible when you call. I had to constantly use old addresses and phone numbers to get access ... .. they updated my information. After over XXXX calls made and the same result I eventually tried to move on from it because it was frustrating and made me feel powerless to not be able to get the situation sorted. 
But I don't understand how my account with them is closed yet there is still activity.
Product: Credit card

I feel like the company closed my account in retaliation to a dispute fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXXXXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}
Product: Checking or savings account

I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.
Product: Checking or savings account

Hi opened this account on XX/XX/2023, since then im still waiting for the debit card. 
Never arrived. So I need to request a new debit card sent to my mailing address on file which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

I received an email stating that i am eligible for wellsfargo current lawsuit of XXXX which was result of wrong charges charged to customer and i am eligible for a refund but when i contacted the bank they said they cant do anything. Can someone please help me.
Product: Checking or savings account

I am a joint co-signer on my mother s bank. The bank sent me an ATM while I was in XXXX someone stole the ATM I have never received it and activated it and withdrawn a total of XXXX. The bank even though I told them that I filed a police complaint online and that I have my traveling tickets confirming that I was in XXXX the time of the withdrawal which happened between XX/XX/XXXX and XX/XX/XXXX keeps saying that it was me.
Product: Checking or savings account

I contacted Citibank via phone to make a routine transfer between my accounts. At the time I was told my account was " blocked ''. I later found out it was blocked due to a " XXXX '' review. An email sent to me in XXXX that I did not open requested information. Since XXXX Citibank never contacted me to follow up on the email. They never : sent a follow up email, sent a letter via mail, called me or the additional signers on the business account, They did however hold on to our hard earned money which did not allow me to access funds I needed to make payroll for my 35+ staff. I believe if they blocked my account they should give me my money and close the account - not hold on to it until it's cleared. 

Further, after I submitted requested paperwork and heard it will take 4 days to clear my account NO ONE from Citibank contacted me. Instead I had to contact them on the 2nd day to find out what is going on.
Product: Credit reporting or other personal consumer reports

Wings XX/XX/XXXX Chase XX/XX/XXXX Chase 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00}
Product: Debt collection

I received a call XX/XX/XXXX, I believe, on behalf of a court summons for my mother. The woman on the other side of the line would n't tell me what the summons regarded, and only stated it was personal business for my mother. I ended up writing down the phone number, and letting her know that she was n't expected a court date, that she had heard nothing of it. She seemed obviously surprised. With that, I took this seriously, and told my mother to call as soon as possible. 

Here 's that number : XXXXShe did end up calling a few days later between XX/XX/XXXX and XX/XX/XXXX while I was at work. Now, keep in mind, my mom 's not a courageous person, and is easily intimidated. I suspect that the thought of a surprise court summons caught her off guard, and activated her flight response in dealing with this asap. Here 's where I believe where she 'd dug herself a hole. She owes money to Aspire Visa, a company I researched, and they apparently have their own issues with debt collection. Apparently, this debt 's been around since XX/XX/2001, according to my mom. His name was XXXX XXXX. They verified the last XXXX digits of her ss, and started at a high number for payment, around XXXX XXXX for her to pay off. They got lower in negotiation, we do n't have much in the form of income, so another debt/bill to pay only adds to the struggle. They took it down to around XXXX, and agreed on bi-weekly payments. She agreed, and gave them her debit card number. I was floored when I found out she did this. They sent her a contract to sign, which she did. Aspire Visa is the original creditor, though there 's no trace of it anymore, and XXXX XXXX XXXX ( a company that does n't even collect debt, I 'll get to that later ), was the debt collector. 

I contacted an attorney for a free initial consolation, l brought him up to speed on the details above, and the main thing that stuck out to him was the 'court case ', the woman also said she 'd put it on 'courtesy hold ' for my mother. This tipped him off, he recommended we stop making payments, so we did, we canceled the debit card my mother was using to make the payments, and here we are. They can not threaten a court case according to the FDCPA. 

Just today, XX/XX/XXXX, around XXXX, the same man my mother spoke to called. I did n't pick up, but I did listen to his message. He left a case number for the debt, stated my mother could still resolve this willingly and to call him back, but it was a 'timed matter '. He did n't give a deadline. The number was also different, XXXX. I researched this number, too, and found it to be linked to XXXX XXXX XXXX, apparently another debt collection company XXXX XXXX works with. I researched both companies, and found that they are not debt collection companies, not the official ones I could find registered in theXXXX. This is all up-to-date, and I do expect more calls from this person regarding my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )
Product: Credit reporting, credit repair services, or other personal consumer reports

From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? XXXX has the worst customer support and seems to me unfair credit reporting
Product: Debt collection

I asked for the original bill to see what the dept was for/ about & asked if it was sent to my insurance company. She said she could not give me that. I asked how is the amount she says I owe different than what the hospital said I owe. Hospital told me I did not owe the amount the creditor sent me & the hospital accepted a payment from me that day. Two days later after payment to hospital the creditor sent me a email saying to only pay them directly. I figured it was a scam because hospital took my payment on several different occasions & said I do not owe anything else. 
This was in 2022. When I called creditor today to ask what are my state taxes being held for. ( ( not knowing this was same as year before ) ) she was completely rude- told me I know what the debt is about & hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted XXXX Experian and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from Experian, XXXX, and XXXX in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Experian stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on XXXX, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Experian, XXXX, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following the account XXXX/XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Debt collection

I was notified by your company on XX/XX/2021 regarding an alleged debt. I have reason to believe I do not owe this debt because the alleged debt is not accurate, my insurance company has settled on XX/XX/XXXX, XX/XX/2021 as EOB recorded I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you has verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you is licensed to collect debts in [ Pennsylvania State ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
Product: Debt collection

I never received correspondence about this debt. I live with my mom and I do not rent properties as I am or was in hight school at that time period. This debt does not belong to me. I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Docket # XXXX was filed in XXXX XXXX XXXX and discharged XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion