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

On XXXX XXXX 2022 received an email from chime saying that the phone number on my account was change and I immediately respond to them that I did not change anything in my account, hoping they secure my account, that was around XXXX. at XXXX XXXX I went to buy something and my card was denied for insufficient funds which was odd because the night before deposited my check. I called them to find out that there was a 5 transactions that did not made or authorized by any means. Chime block my mobile app so I can not do anything and they claim I am responsible for the charges which I am not and they do not give me any proof of that and I every time I called they transfer me to a different department and not giving me any solutions, they have no mercy even I told them I do not have any money for gas or food to pay my rent etc. Also they sent me a new debit card that I can not use because they can even help me to change my pin and I do not Understand what is wrong with them, please help me I am desperate I have a sick wife that depend on me.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}
Product: Debt collection

I have recently called National Credit Systems to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. They said they have contacted me multiple times by phone however, being that it was during business hours I could not have answered. I finally called them back after until them leaving me a voicemail. I have not received any written letter regarding this debt that is not mine from anyone or anybody. Being said on XX/XX/XXXX I received my most recent credit report, which had a new collection account from National Credit Systems, which I did not authorize and that violates my consumer rights according to 15 USC 1692c. National Credit Systems has failed to provide me any proof of a contract that has my wet/original signature with the said owed amount to them. I called National Credit Systems yesterday and spoke with XXXX to let them know of my actions of cease and desist, deletion of the collection account from their system, report this information of deletion to the consumer reporting agencies, and a check of {$3000.00} as settlement of violations to avoid legal action by the consumer to said debt collector. Being that if a debt collector can not prove said debt by written contract between said parties they are in violation of federal law. This is a complaint in addition to the demands made yesterday.
Product: Credit card

Company denied application against the law. I applied XXXX, Monday XX/XX/2024. I carry a monopoly in bank with post master and unauthorized inspector General with US mail-box denies account and threatens to send a threatening letter containing inspector General mind altering data. Bank refuse to issue card with correct intitials and keeps trying to put inspector General name on card opposed to US intial first and last include special character space of copyright in birth-given name and surname.
Product: Mortgage

My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.
Product: Money transfer, virtual currency, or money service

I don't remember exact date it was around a year and half ago.someone was supposed to be sending me money for a item I had posted on line so I provided my cash tag for my cash app card so that they could send the money for the item. Instead around XXXX minutes later I received a text messages saying that my phone number had beunlinked from my cash app I immeititly tried to log into my cash app account and I couldn't because someone had changed all my login information ... They had stole my account. I am completely in a panic and I call the supposed to be customer service number to speak with someone at cash app Whoever was supposed to buy the item was a scammer and had took over my account and all the money I had to my name XXXX XXXX and XXXX dollars and cashapp says there's nothing they can do about it because they don't know how to track the scammers they have done this before I was screaming at the man because how is there nothing you can do when it's y'all 's responsibility do keep my money safe I'm trust your app to hold my money I ask to speak with a manager and crying and yelling and she says they would look into it and see if there was something they could do but that I shouldn't get my hopes up I never got my money back or a even a apologie. I even believe scammers are still scamming people threw the app. They havent stopped it.
Product: Student loan

This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has admitted to " placing '' my personal information about an alleged outstanding debt incurred in complaint # XXXX however, according to 18 USC 1028A : Aggravated Identity theft ( a ) Offenses. 
( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

They have illegally placed my information with National credit Adjustmers as well as XXXX XXXX, both violations. Also, they stated because the debt was " assumed '' to be valid when I did not dispute it in time, they ignored another law- 15 USC 1692g- Admission of Liability Failure to dispute may not be construed by any court as admission of liability. 

XXXX XXXX has infringed on my right to privacy and shared or " placed '' my information with a company I know nothing about who is now reporting negative information to my consumer report as if I owe them! I will be pursuing remedies for the violations done.
Product: Credit reporting

Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.
Product: Credit card or prepaid card

Amazon store card Synchrony closed my account because they refused to credit my account for refunds on returned merchandise and I filed complaints with the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.
Product: Credit reporting or other personal consumer reports

I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXXXXXX XXXX XXXXXX/XX/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: Debt collection

Scott, Parnell & Associates XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
Product: Debt collection

KLS Financial Services is reporting medical debt to all three credit bureaus in the amount of {$290.00}. According to XXXX - Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report less then {$500.00}. I sent XXXX a Validation letter on XX/XX/2022 asking them to validate the debt. They sent me back my original bill and what XXXX XXXX I received. This is also a HIPPA violation because I didn't sign a medical release of my information to be shared with a third party. Furthermore, they were asked to provide their license information showing that they were authorized to collect a debt in the state of XXXX XXXX They did not provide that information. I went on https : XXXX to verify if they were authorized to collect the debt in XXXX XXXX and it showed that they are not licensed to do so.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message and email stating that me and my daughter 's Cash App accounts would be closed due to alleged gambling or stock trading activities, neither of which we engage in. A subsequent phone call yielded no further information, leaving the account status unclear despite the closure notice. This situation requires immediate clarification as the explanation provided is unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a criminal record recently showing up in my report. The record was expunged in XXXX. I talked to people at Experian when it first started showing up, in late XXXX ; they told me to fax them the expungement order. I did that twice, most recently XX/XX/XXXX ; yet the record continues to show up in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I have one line of credit, a Barclay 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. Barclay 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on XXXX myself, and I have no score. There is a comment on the report for my Barclay 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my Barclay 's credit card will do anything to help my credit. I have tried to call all the available Barclay 's departments I can reach from and was told to write a letter to the Barclays FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The Barclay 's department I spoke to on the phone can only confirm that Barclay 's does report my credit score, but could not confirm if it was being reported properly.
Product: Checking or savings account

I sent a check by US Post Service for the amount of XXXX XXXX USD. After noticing that the US Postal Service had lost it, I called CitiBank and requested to immediately put a STOP PAYMENT for the check on XX/XX/XXXX. On XX/XX/XXXX CitiBank called and asked whether they should cash the check that they received ( it was already under STOP PAYMENT. I said, NO, it was lost, please do not cash it. Within two hours I noticed that they had allowed the cashing of check. I immediately called Citi bank but they were unable to explain anything and most call center people with who I interacted could not understand even what the problem was about.
Product: Mortgage

I took a mortgage through USBank home mortgage in XX/XX/2009 for {$55000.00} on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a {$10000.00} down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of {$49000.00} I currently have with USBank home mortgage has increased by {$10000.00} to {$59000.00}??? Also, this lowered my credit score, because the balance now owed increased by XXXX. I have contacted and spoken with several USBank representatives, who at first said the issue would be fixed and my credit report would be adjusted accordingly. Now I was told that this money is part of my loan and USBank Is collecting it! I really do n't think this is legal??!! Especially since I am sure that there is no interest on the {$10000.00} dollars the Government gave me for the first time home buyers assistance. And why now?? After 9 years of paying my mortgage on time without ever missing a payment or ever being late!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently in violation by reporting late payments on my consumer report The national emergency for the covid 19 pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at XXXX XXXX website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which Joe Biden just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report.

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. XXXX XXXX never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for XXXX XXXX. The law supercedes them and I never gave them authorization to report anything to my consumer report.
Product: Debt collection

" Ad Adstra '' has been reporting an account in collections on my credit report. I have now sent two validation requests to this company, to the address listed on statements they keep sending, asking them to validate the original creditor, amount, payment history, fees/interest etc. as this account I did not recognize. I specifically wanted to see loan agreements or anything bearing my signature, as I have had several accounts opened by my ex-husband without my knowledge.The first validation request was sent on XXXX XXXX, 2017, with no reply. The second, and most recent request for validation attached to this complaint was sent XX/XX/2017. The company sent another statement with a partial response on X/XX/17, however, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. Having my SSN, Drivers license number, and birthdate was n't the validation I requested, as I know anybody could obtain and provide that without my consent. As they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account.
Product: Credit reporting

I have sent Equifax numerous requests to investigate and remove inquiries from my credit report that were not initiated by me and they are not responding.
Product: Debt collection

This debt is not mine as the account is FALSE and I am not liable for this debt. 

Sending a response of the billing statement of this alleged debt is not a valid method of verification. 

If you do not remove this debt from my credit reports I will sue for * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property This is their last chance. 

These XXXX Credit card companies and debt collectors will not be taking advantage of me. 

They are still in violation of the following : Under 15 U.S. Code 1692k ( a ) Amount of damages. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of : 15 U.S. Code 1692k ( a ) ( 1 ) any actual damage sustained by such person as a result of such failure.

15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Each violation is {$1000.00} per individual violation.

15 USC 1692e False misleading representations 15 U.S. Code 1692j - furnishing certain deceptive forms. They sent deceptive forms to the credit reporting agencies without following the proper steps in debt collection practices. 

This is defamation of my character, and I went through deep XXXX, and this has been detrimental to my health, so my actual damages are very high, and I demand to be compensated for such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Product: Checking or savings account

Initial check deposit from XXXX XXXX ( from insurance ) was reversed due to a security check on XXXX XXXX side. Explained situation to Ally Bank Fraud Team and account was " unlocked ''. Resolved the Insurance Check issue with XXXX XXXX and received the ok to deposit the same check amount again. Could not use the same check number for the deposit so spoke with the Ally Customer Service Team who said it was ok to use a new check from XXXX XXXX. Contacted XXXX XXXX that a new check for the same amount will be deposited, informed the Ally Customer Service XXXX that a new check with the same amount will be deposited also. Deposited the check into Ally Account and account was locked. Called the Ally Fraud Team on XX/XX/year> and they informed that account was locked until the check fully clears on XX/XX/year>. Called Ally on XX/XX/scrub>XXXX  because the account was not unlocked and was informed the Investigation Team was still investigating. Followed up again on XX/XX/year> and informed investigation team has not investigated yet. The Check from XXXX XXXX has cleared XXXX XXXX and Ally has not unlocked my accounts so I can not access any of my funds and not given any estimate on when my accounts will be unlocked. I can not pay various bills or my XXXX for a house rebuild due to a fire and hurricane beryl!