23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello good afternoon my name is XXXX XXXX and the reason I am contacting you is because I moved to XXXX in the year of XXXX for XXXX  and XXXX  reasons. During that time I was there I receive a check from TD Bank Remediation relating to a redress notification with a check of {$200.00}. I went to the store to cash it on XX/XX/XXXX but unfortunately it expired so I spoke to a manager and he sent an email and then another guy named XXXX sent them a second email and basically I am frustrated because I am not getting proper positive solutions to this situation. I want to know what I have to do to receive the check with the money that TD bank owes me, Ive been patient enough waiting for a solution and not getting info regarding the case. Can you please contact me back via email or phone number because this is just outrageous that I have to go back and forth and not get any feedback or action on this. I will attach the check sent to me and that is currently expired. 

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

There are several hard inquiries that are in my credit that I did not authorize. I called XXXX  and sent letters to get it deleted and still nothing happened.
Product: Credit card

Rewards program has a cash back on select stores shipped at with wells fargo and they are shorting me many a XXXX  on my stores purchases with the rewards program at wells fargo. Have not recieved many of rebates and shorted XXXX XXXX on another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Cease and Desist Request Account Number [ XXXX ] [ LVNV Funding LLC/ ] Resurgent Capital Services L.P. ( Resurgent ) is the servicer of the Account, I am writing to formally request that you cease and desist all communications with me regarding the account referenced above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692d. 
Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with the collection of a debt. I find the continued communication from your agency to be distressing and unwanted.

Please be advised that I request no further communication from your office except for written correspondence related to legal actions or responses to this request. Any documentation or further communications should be sent to the address you have on file.

Should you fail to comply with this request, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau and explore other legal remedies available to me under the FDCPA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Chime closed my acct because I was depositing money into my acct from a betting site. They closed my acct and only sent me a XXXX out of a $ XXXX check after months of me calling them. Then they told me I should receive the rest at a later date but I never received anything else. It happen XXXX XXXX. Everytime I call them they just gives me the round around but as of XX/XX/XXXX, I still haven't received my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I got an e-mail from Credit Karma that said Congrats youve been approved this was for an XXXX  XXXX XXXX XXXX XXXX XXXX. I did not apply for this card. It was applied for and approved via XXXX XXXX. Which I believe I got hacked. I changed my XXXX XXXX password right after this and emailed credit karma with the problem. I also contacted XXXX bank that same morning because I did not authorize this application. A rep for XXXX cancelled shipment of the card and cancelled opening of the account. This representative said account will not be opened and card will not be shipped out. The rep was unable to provide address of the location card was supposed to be sent to. I asked about removing the hard inquiry that has since shown up on my credit reports. She said I would need to reach out to the credit bureau on my own to get this removed since it is fraud. I reached out to TransUnion which directed me to this website and said it would need to be disputed this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!
Product: Money transfer, virtual currency, or money service

I have spent 3 months trying to contact Gemini, I'm sick of wasting my time. They have locked my account and have not sent a response to my many emails during this time. I have never experienced such poor support from any company before. 

Gemini 's website https : //www.gemini.com/
Product: Debt collection

On XXXX XXXX, 2015 my husband was treated by XXXX XXXX, this provider is a PPO provider with our insurance and they paid everything except for {$120.00} which I paid by check to XXXX XXXX and clearly stated the payment was for services rendered to XXXX on XXXX/XXXX/15. My check cleared XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received notice from XXXX that we owed {$61.00} & {$26.00} for these same services and when I tried numerous times to talk to XXXX XXXX with XXXX to explain this had been paid and send a copy of the cleared check, he advised they sometimes take the money and place it in different accounts but could not tell me why or where the money went. He then referred the matter to State Collection and they continue to write me repeatedly for the same services I have already paid to the XXXX and neither the collection agent or XXXX will provide a complete itemized bill showing where the funds went and what if any other charges we owe. I have spent hours on this and have incurred severe emotion upset because of this. I feel they have fraudulently taken my money and continue to ask me to pay the same charges. XXXX also stated they may have taken some of the XXXX money and put it on my charges, however, XXXX and I both have deductibles and I met my out of pocket this year so I have no way of knowing what was paid or where my money went. All I know is that I paid the full amount to the ENT that they are repeatedly requesting and they refuse to resubmit it for review to my insurance carrier which is required by their PPO contract with my insurance company if we owe additional money that the insurance company has not reviewed. At this point I have invested hours in emails, letters, research and discovery and have advised them I am charging them {$45.00} an hour for all the time I spend on this as well as mail, copying, research etc. Today just in my time alone they owe me over {$630.00}. Please help, I cant continue this. I have XXXX XXXX XXXX and we pay our bills I can not have this continue. 
Thank you so much XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 An unknown account has posted {$67.00} negative collection account on my Experian account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the account and I have disputed this account on XXXX and XXXX XXXX XXXX XXXX and this account was found incorrect and has been removed. But this account is still on my Experian account. I have also connected Experian several times about this account.
Product: Debt collection

I disputed this item on my credit reports, and they claim it is a valid debt. In fact, I am currently with the phone company and have purchased devices. How ironic that when I opened a new account in XXXX of XXXX, I had something in collections the same month. Neither the collection agency nor the phone company provided proof. Very suspicious.
Product: Student loan

In a nutshell, In 2013, I consolidated my XXXX boys ' student loans, including parent plus loans, into an income replacement plan under my name. XXXX XXXX loans were not supposed to be combined with the consolidation but I wasn't allowed 3 days to rescind and reapply. I was told I wasn't allowed to make any changes. I have been fighting this for years. Now I'm stuck because I can't get into the SAVE program, which would give me a 0 monthly payment. I have asked that due to all the misinformation, if my loan could be cancelled or dismissed. When I contact the government about the loans, I'm told to contact the lender. ( At the time, the US government was handling the loan applications ). When I contact the lender, I'm told to contact the government. It is a vicious cycle. I have saved many emails, names from phone conversations and paperwork regarding this ongoing unfairness. My email is currently XXXX. Please feel free to email me for further information. Thanks in advance for your help and support. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those XXXX accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Product: Debt collection

The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day.
Product: Debt collection

Coming from a XXXX situation, these people offered to help me and my husband. We were told we didnt have to pay rent until XXXX started working for them and could generate income. We signed a lease in XXXX, XXXX with a dollar amount of {$750.00} when we had absolutely no income, and was told we could live rent free until we had income. This was a lie as there was a dollar amount on our paperwork. We owed money to them as soon as we were supposedly being helped until we got on our feet. I was in their debt immediately with their handout of help as they said. I also requested that a felon with a background of violent crimes does not be allowed to be on the lease as a lease holder. Knowing this person wasnt responsible ( XXXX XXXX ) and having had issues prior with him and my bills, they refused and made XXXX people be on the lease. ( Just like I knew it would, XXXX caused me problems with my credit and rental history, purposely. He is also my abuser. ) I was continually harassed by the owners. They made a false report to XXXX of XXXX XXXX XXXX of XXXX, made false reports to local police during XXXX & XXXX. ( I was being harassed. The owners were being lied to by my husband, the abuser, and they were acting out against me because of what was falsely being stated about me. I was XXXX and did not have heat in the second unit during the entire winter months. I contacted the local HUD office to make a complaint about the heat, soon after the heat was fixed. She gave us XXXX space heater to use for a XXXX bedroom apartment. The repairs were not compeleted until the following year of XXXX. 
Due to all of the harassment and the problems I was experiencing living here, I filed a protection order and decided to remove myself from the property and the situation as I was not safe at all. 
I was discriminated against as a woman, and now Im being retaliated against against my credit history with XXXX bills that have charges against me that I should not owe. 
These people wont leave me alone, and will not stop try to find out information about me to use against me in a harassing manner. 

The creditor has taken a wage garnishment from me during transition of employment. 

Im having trouble paying rent due to being XXXX and I can not catch up since XXXX restrictions happened. 

If anything this company can charge me for the month I was leaving and the next month per North Dakota Laws with protection orders. 

Im being retaliated against for excesising my rights to removed from this lease.

My personal information is getting found out from these people and then they are using it to harass me. Im about to get a restraining order against the persons running this company because they will NOT leave me alone.
Product: Debt collection

XXXX is charging me {$120.00} but the phone I purchased for them got stolen and I have no way of returning the phone and my income status is really low.
Product: Credit card or prepaid card

Card issuer converted promotional balance to revolving balance and charged {$26.00} in interest when the promotional balance had been paid off. Card issuer refuses to refund interest charged. 

Purchase amount was {$440.00} XX/XX/XXXX. Payments made were {$30.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$450.00} total was paid and the plan was set to expire XX/XX/XXXX. 

This was paid before the expiration of the plan and should {$26.00} should be refunded. 
Statements attached.
Product: Credit card or prepaid card

Chase XXXX Credit Card is charging interest on the full amount owed at the end of the month. Even if you pay off the balance. For example : Balance is {$3000.00} to start Added {$4000.00} during the month Paid off {$7000.00}. 
Chase charged me interest on the full {$7000.00} even though it was NOT carried over to another month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a dispute was filed with Equifax, XXXX  and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX, equifax, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use of Credit Reporting
Product: Debt collection

I've made the payments, I've had a great track record, they keep calling to make a loan payment, they repeatedly hit my checking account even after I spoke to them. They say that wanted to work with me, but then they just called repeatedly, deducted the money without my knowledge and continue to call. In addition, I racked up more hard inquiries after they told me in writing that I was approved ( after being pre-approved ) for an increase on more then 1 occasion because of by good track record, only to discover that after submitting properb tax documents ( which they would continue to get the amount of my income wrong since I own 3 businesses - they always choose the less of the 3 and would leave it the larger paying business ) and they would turn it down. ( This happened more than once ). The excuse was that I had too much debt per the underwriters. Then how did I get pre-qualified, then submitted paperwork, credit pulled and then approved. I gave them my checking acct info to deposit the check at closing and then they retracted the " approval '' and began deducting payments from my account. 

I am done with them. I will pay them off early by XXXX just for them to stop calling me and I will no longer accept or believe any of their lies about being approved. I am caught up on payments and want them to stop deducting my account and stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Express bank of several accounts established with his information without his consent. A police report detailing this event was filed concerning this and was sent to American Express XX/XX/2018 however as of this date American Express has failed to send a reply concerning the outcome of the dispute results. The fraudulent accounts established are ( last four acct numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). American Express has an obligation under FCRA to provide my client with status of this investigation within 45 business days, maximum.
Product: Credit reporting or other personal consumer reports

XX/XX/ I wrote to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows 43 credit inquiry/inquiries that I did not authorize. Most inquires has been continuously duplicated causing stress to my credit. 

No response has been provided after 30 days.