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

I have been having trouble cashing a check from Netspend for my remaining balance that was in my account before closure. It has to be something the company is responding when the check is presented for payment. I have had 2 checks issued and both was not cashed and caused 2 different accounts of mine to be closed.
Product: Debt collection

On XX/XX/2022, Penn Credit Corporation reported {$2400.00} in collections to my credit reports for XXXX XXXX XXXX XXXX which resulted in an XXXX Point Decrease/Damage to my credit score. I called XXXX XXXX since I pay them directly for the birth of my daughter and they told me that my account was NOT with Penn Credit! I never received a phone call or mail from Penn Credit -- I was never contacted by them. I then disputed this with XXXX and Penn Credit but it did not change a thing! I want this derogatory collections off of my credit reports and my credit score reinstated! I will not pay Penn Credit anything since I pay XXXX XXXX XXXX XXXX for my debt! Thank you for your help! XXXX XXXX XXXX
Product: Debt collection

On Wednesday XX/XX/XXXX ; Rausch, Sturm, Israel, Enerson and Hornik filed a debt claim lawsuit on me in XXXX County, Tx ( Case XXXX ). The claim stated that it was made on behalf of XXXX XXXX  and XXXX on a credit card that I previously owned. It wasn't until I began to receive solicitations via United States Postal Service offering their services to represent me did I find out about the lawsuit. 

On Wednesday XX/XX/XXXX at XXXX CST, I contacted XXXX XXXX XXXX at XXXX. During this phone conversation, I was advised that XXXX  was no longer in control of the debt and that it had been turned over to debt collection offices of Rausch, Sturm, Israel, Enerson and Hornik.

Rausch, Sturm, Israel, Enerson and Hornik has never advised me that they were assigned, purchased, or otherwise took over this debt. At no time did Rausch, Sturm, Israel, Enerson and Hornik provide me with : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement that, unless I dispute the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector. 

A statement that, if I notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.

A statement that, upon my written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

It is my belief that Rausch, Sturm, Israel, Enerson and Hornik violated section 809 of the Fair Debt Collection Practices Act.
Product: Credit card

On XX/XX/XXXX I made a payment on my care credit card. I pay the same way every time I pay. This time my payment was for {$1200.00}. I have been paying with the same bank account ( dont have to enter the information on the app its saved ) since XXXX of XXXX. Back in XXXX of XXXX my bank account had been hacked and was closed and a new one opened. Ever since then my payments have been coming out of the new account, so for the last 2 years. Synchrony ( owns care credit ) had been using my new account and they are trying to tell me that the {$1200.00} tried to come out of my old account. I dont have the ability to change the payment unless I am adding a new payment. They also closed my discount tire card after I had just paid it off. I have never made late payments or had any issues until now. They are telling me that even though the admit it was their fault they NEVER reopen account. I am a single mom and this car is used for our XXXX XXXX  dogs. Like when my daughters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it was {$6000.00} to be removed or he would die. It has put so much stress on me that it has put me in the hospital and I have lost my job because of being out of work for so long. Im on XXXX XXXX XXXX meds to help but its not working. I have other credit cards and I have never had an issue with any of them. Synchrony also closed my discount tire card after I had just paid it off. They refuse to open it back up even though there has never been an issue with it. They keep telling me once they close a card they never open them back up. I have the proof of most of the payments ( the ones I could find ) that I will attach. If nothing comes from this I will be taking them to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00} has violated rights of privacy. 

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$6200.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Hunter warfield called me and my wife multiple times a week for a span of months spanning from XX/XX/2023 to XX/XX/2023. I answered them once asking for verified information. Proof of charges owed that I never received from landlord upon move out that she refused to send. Proof of contract saying we owe hunter warfield. Etc. They plainly stated and threatened that they have this information but won't send it. And that it will affect our credit and that we have to pay. To which I told them have a good day.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I have never had a chime account and would like to open one they say Unfortunately, based on the information provided, we were unable to open a Chime Deposit Account for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information. I call nobody can give me a answer of why like most banks would do I feel discriminated against
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX : DEPT OF ED XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Mortgage

I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.
Product: Credit card or prepaid card

I have a prepaid card from Bank of America that I get my XXXX payments on. My card info was stolen and on XX/XX/2021 someone was able to withdraw {$900.00} out of my account. I contacted Bank of America within minutes of it happening because I received a text alert and explained to them that I was at home with my card in my purse and I did not do that transaction nor have I ever let anyone else use my card. I filed a claim along with a police report but they are refusing to reimburse me. This has been devastating for me and I really need help resolving this matter and getting my money back.
Product: Credit card or prepaid card

I have not used this card in over two years and do not recall receiving any paper bills. They say I owe them a {$99.00} membership fee, but I didn't even realize I still had an open account with Citi. I never sign up for paperless billing with any financial institution for this very reason. I get over 100 emails daily and if I don't recognize the sender it gets deleted. Citi needs to provide proof that I knowingly enrolled in paperless billing. Otherwise, had I been aware of the {$99.00} membership fee sooner I would have canceled my account immediately which I did once the only email I recall receiving from them saying I had a past due payment due. It's ludicrous that financial institutions find clever ways to trick customers into paperless billing so they can milk more money out of every one. I've spoken with many so-called customer service reps, supervisor 's and escalation specialists at Citi. In my opinion, Citi has the absolute WORST customer service of any financial institution I've ever dealt with. I will avoid doing business with Citi at all costs in the future.
Product: Vehicle loan or lease

Me and my husband when to Neil Hoffman family of dealers in XXXX Ky on XX/XX/19 to purchase a vehicle, We were purchasing the vehicle with cash, they had me fill out some paperwork which they told me was for the title and registration and also for the purchase order, by my surprise, on XX/XX/19 I received a letter in the mail detailing that I was denied by their credit department for a vehicle loan, Not once did they inform me that I was completing a loan application or ask me for any details about a loan application, I contacted the dealership on from XX/XX/XXXX - XX/XX/XXXXto inquire about why my credit was checked for a cash purchase with no call back, I am in contact with the credit reporting companies to get the unauthorized credit pull removed as it dropped my score
Product: Debt collection

The first time I received a copy of a summons from Rubin and Rothman was on XX/XX/XXXX in reference to an old debt from XX/XX/XXXX for XXXX XXXX  credit card. I know it is time barred and when I s/w the debt collector back in XX/XX/XXXX I told them I had no reciliation on it as it was so old, so he said he was going to put in a denial and I also mentioned it was time barred and he had no reply. Attached is a copy of the old summons from XX/XX/XXXX that they sent to me, it was hand delivered to a residence of XXXX XXXX XXXX, XXXX, NY XXXX and handed to an XXXX XXXX. I have never been a residence of this address and have I never been AKA XXXX XXXX. A XXXX XXXX ( XXXX ) did reside there with a XXXX XXXX and have no knowledge of any XXXX XXXX. 
I was a residence in XXXX County, NY first on XXXX XXXX XXXX XXXX XXXX XXXX, NY from XXXX to XX/XX/XXXX then I resided on XXXX XXXX XXXX, XXXX, NY from XX/XX/XXXX to XX/XX/XXXX and I never received any papers on this until XX/XX/XXXX after I moved to XXXX XXXX XXXX, XXXX XXXX, NY on XX/XX/XXXX. Then on XX/XX/XXXX I received a certified mail for an income execution from the XXXX County, NY Sheriff 's dept. where Rubin and Rothman are looking for me to pay a time barred debt. I have attached all of the paper work. Please advise and help take action on Rubin and Rothman for Violation of the Fair Debt Collection Practice act.. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX e-mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I applied for a loan from XXXX XXXX XXXX  XXXX because I wanted to purchase a home in Florida. It was then that I realized that Synchony Bank which is affiliated with Amazon Store Credit has sent the wrong information to the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) stating that I am 120 days past due with this store account. This left a negative impact on my credit score and for the bank to give me the amount of money that I need to purchase a home. I have never taken out an account with Amazon.com store. After I got in contact with Synchony bank, I was sent a form to fill out my request and send back to the credit bureau specialisr ( XXXX XXXX ) This department received my letter of request on XX/XX/XXXX. Today, XX/XX/XXXX, I called Synchony bank at XXXX XXXX  to inquire about my request. A representative of the bank ( XXXX XXXX XXXX ) said that I should dispute my concerns with the Credit Bureaus. All credit bureaus said that I do not have an account with this bank. I am requesting your help in resolving this matter.
Product: Prepaid card

XXXX XXXX XXXX {$500.00} Filed a dispute with the cardholder regarding the transaction that was made on XXXX XXXX XXXX XXXX XXXX trying to withdraw money off my card amount of {$500.00}. Put my card in put in the information received my receipt and no money came out of the ATM. Called the merchant to report the problem at XXXX they told me to call the cardholder first. 
The cardholder " Chime '' XXXX I have been chatting with several people and getting a run-around the money was direct deposit from XXXX XXXXY CHECK
Product: Debt collection

On XX/XX/2021 they called my young Daughters phone about my debt. I promptly told them to call me onmy cell phone. I called them back from my number and I promptly told them do not call my daughters phone again. They assured me that they had removed her number from their records. They also told me they would file a lawsuit against me and could Garnish my wages. Well the very next day they called my daughters phone again and left a message for me to call them. Even after assuring me the previous day that they had removed her number from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, Capital XXXX # XXXX has violated my rights. 

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

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

WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX, I got a copy of my credit report. I notice that you are reporting this incorrectly. This Collection account is not only as OPEN, but also shows a past due balance of {$21.00} dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Debt collection

My original creditors sent my collections off to another agency, in which I did not submit a contract with the collection agencies. I have 2 derogatory marks on my credit report from two collection agencies. The first company is named XXXX XXXX XXXX XXXX. This company charged {$580.00} on my account. This account was open XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX XXXX XXXX. The second company is XXXX XXXX XXXX. They charged an additional {$700.00} on my account. The account was open XX/XX/XXXX. The original creditor for that account is XXXX XXXX XXXX.
Product: Debt collection

Fair Collections & Outsourcing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX is still reporting on my credit report and has been paid in full, the collection has been reported as paid off. Please see attached paid off notice.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX