23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony Bank ie : carecredit was notified of fraud and identity theft when i discovered the account on my credit report. I have never heard of carecredit or three other credit lines that were opened in my name as a result of the XXXX  data breach where my personal information was leaked onto the dark web and used to open several lines of credit I was unaware of for over 3 years as I rarely open credit accounts or check my credit. i have no need to. the first i heard of this company was when i went to get a phone upgrade and i was denied! denied? I had a XXXX credit score!!! I immediately pulled my credit report, saw a whole bunch of credit lines opened in my name i never heard of! I filed the fraud report online, notified all the credit companies and all but one were very responsive in immediately  closing accounts and helping me by sending letters to the credit bureau and me that cleared me of all the debt. All except this company - which sent me 2 weird letters dated the same day - one that claimed they investigated my identity theft claim and decided I somehow gained some kind of benefit, and the second a form letter indicating they have not yet investigated and listing the account balance as fraud but refusing to provide a list of these so-called " benefits '' i had gained. They refused to provide any merchant drafts, contracts or signed authorizations with my identity verified! So how did I somehow magically benefit from this so-called " fraud balance ''? I called them and now they claim I owe them in full! Now - here is the truth : on all three credit bureaus, this company is reporting different dates, different amounts and different late pay statuses! how is this even possible. I've demanded they provide all information linked to this account and metro2 compliance as well as perfect proof they have any commercial claim or that I entered into any commercial relationship with this company for I have not. but they've so far have refused to produce any provable or legal documentation linked to the account. Beware of this carecredit company and XXXX   XXXX. apparently they will open accounts without any form of verification and then proceed to report all kinds of unverifiable data - defaming your character.
Product: Debt collection

Complain, QWR, DVR against XXXX XXXX XXXX XXXX dba PennyMac Loan Services , LLC and PennyMac Loan Services , LLC On XXXX XXXX XXXX XXXXXXXX XXXX ( robots ) who pretended to be PennyMac Loan Services LLC sent me absurd runaround and unnamed financials which contained following fees and charges : 1. Trustee refund {$380.00} billed to me on XXXX XXXX. Please provide me the name for this Trustee, direct information for an individual authorized employee of this Trustee who has personal knowledge about this refund and a copy of real financial documents ( wire transfer receipt, cancelled check, ACH ) evidencing this refund 2. Litigation attorneys fees {$450.00} billed to me on XXXX XXXX. Please provide me name of litigation attorneys who received these fees, copy of their billing statements and a copy of financial documents ( wire transfer receipt, cancelled check, ACH ) evidencing payment to these litigation attorneys
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a amount of XXXX was taking from my account with out my consent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Method Of Verication Dear Experian, RE : I am requesting the Method of Verication for the following item : Bankruptcy XXXX XXXXdismissed XXXX XXXXXXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Transunion is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

CREDIT CARDS XXXXXXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 100 % Total XXXX rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on Experian, XXXX and XXXX 's reports. Experian shows completed, however the past due dates are still present on the credit report. XXXX and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Product: Checking or savings account

My debit card I'd ss card sons ss card and checks was stolen I disputed the transactions made police report and my bank will not refund my money over {$600.00} dollars. Regions Bank is nothing but liars and thieves
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) erroneously and intentionally reported my Visa   and personal loan as late and or missing payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, which resulted in my credit score being reduced from XXXX to XXXX, which resulted in XXXX XXXX reducing my credit limit by {$9000.00} and me being declined credit and or lower amounts of credit. 

XXXX and Transunion failed to properly investigate my disputes, despite having the documents that show the dates the payments were sent to the credit union. They failed to properly investigate and or update my credit reports to reflect accurate information. XXXX was the only credit bureau who investigated and corrected my credit report to reflect accurate information. 

Instead of XXXX accurately reporting information and removing the erroneous information, they reported the account as improved, which further reduced my credit score. 

XXXX is well aware that my Visa and personal loan are paid by XXXX XXXX XXXX XXXX, the payments are sent to the Credit Union two to three days before the due date. In the correspondence that I receive form XXXX it states that I should allow the credit union to apply this benefit. So, if the payment is late it is because the credit union failed to apply the payment in a timely fashion. 

I was physically in the credit union sometime in XX/XX/2019 making a deposit, when this issue came up, the clerk hesitated to accept my deposit because she said that my payment for my VISA card was late, the other clerk checked the system, and said that the payment was in the system, but it had not been processed yet, my payment was due on XXXX XX/XX/2019, and I was physically in the credit union in or around XXXX XX/XX/2019, the payment has been sitting at the credit union since XXXX XX/XX/2019, but yet they reported the payment as late to the credit bureau. 

Home depo reduced my credit limit to my outstanding balance, which resulted in my credit card being maxed out and eventually resulted in my minimum payment to double. They also, applied 6 months of interest payment to all of my purchases without my consent, and when the six months expired, it caused my credit card to be over the limit ( because they had reduced it by XXXX ), which further affected my credit score. 

I Thanks V/r XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX  years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

Key 2 recovery Ice, contacted me about XXXX owed to XXXX XXXX University. I had contacted Covid 19 and was unable to attend classes. The class were already paid for with federal student loans. The University advised me that I had not canceled in the right time frame. This was incorrect, I canceled the classes several times. The amount was paid for by my student loans and I canceled the classes. I university is attempting to get paid twice.
Product: Checking or savings account

I recieved a call that someone from another state was trying to make a XXXX charge at XXXX. I informed Wells Fargo that I didnt authorize this. They closed my card down and issued another one. Within 24 houra of them issuing another card, my card had been charged in XXXX in excess of XXXX. They have denied my claim and I never authorized the charges, nor had I even recieved my card.
Product: Credit reporting or other personal consumer reports

EQUIFAX INQUIRES 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card

I purchased software to build and host my site on XXXX. 
I moved my site from XXXX to XXXX but when I tested it the XXXX version of my website did not perform on mobile devices. I contacted XXXX, canceled their service and requested a refund. They refused the refund. When I requested that they reconsider they ignored my request- I received no response. 

So, I contacted my credit card company - Goldman Sachs Apple Card to dispute the charge. I supplied information that I had. They placed a provisional credit on my card. After 90 days that charge reappeared only card. I filed another dispute and communicated via text with a Goldman Sachs, Apple card customer service representative who assured me this was a legitimate complaint and there should be no trouble receiving the refund. Once again a provisional credit was issued. 60 days later the charge was once again back on my card. This has gone on every 60 days since. I've filed complaints with Goldman Sachs, asked to talk with managers. I've been promised every time that a manager from the " back office '' would call. The representatives with whom I speak or text say that I should receive a refund but that the 'back office ' does whatever they want without explanation. 

This past Saturday I FINALLY received a call. Unfortunately I was on another call. There was a message with a phone number to call. I called that number but was told they can not transfer my call to the management in the 'back office ' but she would initiate another call. Since the first one took more than a year to come, I am not holding my breath for this one. 

Goldman Sachs is clearly not following through on this issue, just waiting 60 days and saying no. When I reopen the dispute they ask for evidence, which I've supplied repeatedly. With the exception of one piece of information. They are asking me to demonstrate that the site doesn't load properly. That is something I can not supply because I canceled the service. It would make no sense for me to continue to pay for my site on on their hosting platform just to demonstrate that it didn't work. 

I did read that your agency levied charges and fined this company for this kind of behavior in XXXX. It appears that did not change their way of operating. Please help me to recover my {$210.00} Thank you very much
Product: Debt collection

This is about Solar panel installation in XX/XX/year>. After installation, the first bill from the electric company was too high despite the Solar panel I immediately contacted XXXX XXXX XXXX XXXX XXXX, these XXXX had solar installations Month after month it's almost 1 year no one tried to resolve the issue or come to check the reason. Instead sent the agent to my home to threaten to make me embarrassed in the neighborhood. And report to Transunion. Its a nightmare I request to resolve this matter it just falls promises to save money Is there any period to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XXXX Ive identified a discrepancy with the account listed under Go Financial & requested that this account be removed due to New Jersey statue of limitations. This account has been on my report for 7 years and the statue of limitations for the state of New Jersey is 6 years. I have not receive any correspondence from any of the XXXX credit bureaus to have this account removed which is negatively affecting my credit, nor has it been updated. Please strike and have this account removed from all XXXX credit bureaus.
Product: Credit card or prepaid card

aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. 
I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter
Product: Vehicle loan or lease

Hi, I am struggling right now, as a lot of people are, financially and had a lot of personal issues happen, such as all my personal information being stolen, family deaths, and my other personal vehicle being stolen and sent off a cliff. Ive been trying to get everything back on track and getting a couple jobs to sustain me. Now, I can not just produce money, as much as I would like. I also unfortunately have to wait for the money I earn from these jobs to deposit into my account, like most people. I have made a payment to show my commitment to trying to get back on track with my debts. I understand that may not be enough, but then take the XXXX vehicle back if you seriously dont want to work with me. I need you to stop HARASSING friends and family. It is not funny. I live in paranoia that even people I just know casually are going to start getting calls because Ally somehow linked us. I dont have service where Im staying right now. I communicated this. I dont even know if theyre calling me but I know theyre calling everyone in my co-signers family. She said some uncle she doesnt even know is getting calls. Her mom, cousins, aunts, and uncles. Like, at what point is this harassment because it feels like its already gone way too far. There is no need to harass people and embarrass me and my co-signer because I am going through a hardship. This is seriously just wrong for a business to harass like this. I get you want your money, I want to give it to you, it is owed. Stop harassing people I dont even know and either take the vehicle or WAIT FOR THE MONEY PLEASE. I have to wait for my paychecks to deposit to give it to you. If you can reason for a moment and think, youd realize that I can not just give you money without it depositing I get youre not in the whole business of compassion but holy cow I can not recommend this company LESS for a vehicle loan or any banking opportunity for that matter. No one can prepare for hardships to the extent that they happen and Ally is showing just how little they care about their customers, just the money. I get it a little, as its a business, but businesses used to care about the customer too.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/year> XXXXXXXX XXXXInquiry Date XX/XX/year> XXXX  Inquiry Date XX/XX/scrub>XXXX XXXX  Inquiry Date XX/XX/scrub>XXXX XXXX Inquiry Date XX/XX/year>
Product: Credit card

I applied for a Best Buy card around XX/XX/. When I was in Best Buy I was approved and was told I got the Citibank Visa that can be used anywhere. I waited for the card in the mail and I did not receive it. When I went back to Best Buy on XX/XX/ to make a purchase they said they could see that I did in fact have a balance available. I called Citibank Customer service and they had all my information incorrect. My name is XXXX XXXX. They have me as XXXX XXXX in their system. They also had my address partially incorrect, they did not have my apartment number on file. When I applied at Best Buy all the information on the screen was correct so I don't know where the discrepancies came from. The customer service rep said she would correct everything and I could go ahead and make the purchase. So I did. Yesterday XX/XX/ I received a text message saying my card was yet again returned because my address was missing information. I spent 4 hours between Best Buy and Citibank trying to explain that they have my information wrong, they said they couldnt talk to me because I am not the primary account holder. I am the only person on this account. I finally got a supervisor at Citibank customer service but they said my account was locked because I called 4 times and I had to wait for a letter in the mail to reset my account. I will not get it because my mailing information is not correct. I am trying to get this taken care of because I don't know the due dates for payment. I do not want this to affect my credit score.
Product: Checking or savings account

My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. 
The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. 

The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. 

I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. 

The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.