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

I got scammed they took {$98.00} from my account and Chime Bank would not refund the money
Product: Credit card

I applied for a Citi Bank/Costco card and received XXXX in XX/XX/2016. The card was activated and used in XXXX. I received a telephone call that I was overdue in the middle of XX/XX/XXXX for a payment, I told them that I had not received a bill. They said that I was paperless ( I did not choose that option, nor would ever choose that option ) and my bill was being deducted from an account. I asked what account and was told that I had n't set that up yet. I explained that I did n't want to be paperless, nor did I want to have an automatic withdrawal from my account. I was told they could not e-mail me a bill, but they could fax me a bill, but it would take XXXX hours. No fax ever came in. I was called again this past Sunday XXXX XX/XX/XXXX ) and told that I had to make a payment on the card or would be billed for interest + a late fee. Again I told them I had not yet received a bill and was told that they showed that a bill was sent out on XX/XX/XXXX and it could take XXXX days to receive it. They never indicated that I had been sent a fax. Again the pressure to set up an automatic bill paying account - which again I refused. I asked to speak to a supervisor and spoke with " XXXX '' employ # XXXX. He also demanded payment and said they would XXXX a late fee and interest that day if the account was not paid in full. Even though I still have never received a bill ( either by fax or through the mail ). I paid my account in full by giving him my routing # off of my checking account and asked him to close my account. What is so frustrating is that I still have n't received a copy of my bill, I am not sure the charges are correct, I have paid the account off ( {$4400.00} ) but have no way of knowing if those are the correct charges or if I have been charged late fees, interest, etc. I checked the mail yesterday XXXX XXXX ) and still have n't received a copy of my bill and they still have n't faxed anything to my fax machine. Again during my phone discussion there was the pressure to set up my account in an auto pay mode - which I adamantly refused to do! Can a credit card company refuse to supply the bill and yet demand payment? I ca n't dispute any charges since I have never seen my bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX XXXX as well as the XXXX major credit bureaus. Transunion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my ex wife XX/XX/XXXX an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder XXXX. I have contacted XXXX about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with Equifax and XXXX reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with XXXX is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX NUMBER Accounts : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Debt collection

Dear Discover, Mutiple times you have told me that you do not have actual verification of the account in question being opened by me.

You have been sent an Id theft report from the ftc. You have ignored the theft report, and you continue to commit fraud by verifying the debt with the credit bureaus, despite having told me mutiple times you do not have any signature of mine anywhere.

If you can not provide a document with my signature on it, then all you can verify us that someone used my information to open an account. I am a victim of identity theft, I was also part of the data breach.

You claim you sent an email to the email address that the account was opened with, and I responded. I did respond, but you sent it to my email address, you told me the account was opened with a different address than the one you sent it to. The difference between the two email accounts is the number " 2 '' is in the one it was opened with according to you, and my email address does not have the number 2 in it, which is where you sent the email I responded to. 

As far as not returning my calls, once I request a call back you can call me, even if i requested no further calls earlier. Its seems ridiculous that you would suddenly care about laws and rules when it comes to phone calls, though you are misguided, but suddenly not care as you continue to verify a debt without any verification that I opened the account other than someone used my information to open it. 

If you are unwilling to respond to the cfpb, please extend that courtesy to the credit bureaus as well. Dont respond to the next set of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes on XX/XX/2021 and XX/XX/2021 to XXXX and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.
Product: Mortgage

My son purchase a home 3 1/2 years ago. At some point New Res LLC took over the mortgage. In XX/XX/XXXX my son wanted to refinance the mortgage as the rates were lower. Since he was furloughed from work due to Covid-19 my husband and & were to cosign the loan. The paper work was submitted on XX/XX/XXXX. We were assigned a senior mortgage consultant who requested certain information which we supplied. On XX/XX/XXXX I contacted the consultant as to the status of the application and was advised the processors were very busy. I again contacted her on XX/XX/XXXX and received the same reply. On XX/XX/XXXX, we received an email that the loan application was conditionally approved. We had a new consultant and a new processor. They now asked for many additional documents. As we own multiple properties and vacant land the documentation list was outrageous. Nothing we own has a mortgage, we have no debt. The amount my son is looking to refinance is less than the value of our primary home. The company is looking for insurance on vacant land. This has become a nightmare. We provided some documentation. Our dividends and bank accounts can more than cover the refinanced amount. On XX/XX/XXXX, I contacted the processor who needed more information and the new XXXX tax return, plus things we already submitted. 
On XX/XX/XXXX we send additional information. On XX/XX/XXXX, I again sent an email & telephone call to the processor who said delay due to high volume. On XXXX same answer. On XX/XX/XXXX we received a Loan Commitment & Property Inspection Waiver disclosure to sign which we did and returned to the processor. Since then on XX/XX/XXXX & XX/XX/XXXX I contact the processor but receive no answer. This is totally unacceptable. this company needs to be investigated. Because we have assets we have been scrutinized to such an extreme level for everything we own. No refinancing should every take this long to complete.
Product: Consumer Loan

Hello, I have an auto loan with this dealer in Wells Fargo Dealer services beginning in XX/XX/XXXX for a XXXX Ford Escape. I pay XXXX dollars on the XXXX of each month. I have asked on numerous occasions for the due date to be changed and was advised that I can not change it. 
I get paid once per month, the last working day of the month which I explained to them when ever I called. I would like them to change the date to the XXXX which would make it easier for me to be on time with my payment. 
Last year I paid after XXXX in XX/XX/XXXX or XX/XX/XXXX and it was reported on my credit and then on XX/XX/XXXX it was reported as paid and account in order.?? This has hurt my credit and is still hurting my credit. My bank has been paying continuously for me on XX/XX/XXXX and my account stays in od until my pay check goes in. I had spoken to them. they now are tired of it, which they should be and has asked me to try and fix the due date. It been late this month again because of all these situations and again its been reported on my credit and a fee charged. 
THEY HAVE CHARGED ME A FEE OF XXXX DOLLARS EVERY MONTH SINCE I OPENED THE ACCOUNT IN XX/XX/XXXX. I have paid some and now there is approximately XXXX dollars more still. Im not sure what the XXXX $ is for. I asked and they gave me a story. 
Today XX/XX/XXXX I called after being alerted on my credit. I asked again to have the due date changed and was hung up on twice before I got XXXX a supervisor. He insisted that I can not change the due date until I bring the account current. 
That is the reason I want the date changed so that going forward I can have it up to date.I will not be able to pay until XX/XX/XXXX, which will be past XX/XX/XXXX current due date. I will be charged a fee regardless and it will again be reported on my credit. 
I have 3 more years to deal with this because I need the car to take me to work. I need help please. 
This is not right for someone who is always paying but is being hindered from catching up because of their fees and refusing to assist so they can collect but in the samr breath is making my credit pay and my future in borrowing from someone else. 
Thanks for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth requests 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 an alleged fraud or extortion. The following items needs to be remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

LVNV has provided information on my credit report indicating they are the Original Creditors of 3 different accounts.

1. XXXX {$590.00} 2. XXXX XXXX {$660.00} 3. XXXX {$450.00} I want to assert that I have not granted the Original Creditors above permission for the sale of my information, moreover ; I have not provided any documentation that includes my wet signature which indicates the absence of any binding agreement between myself and LVNV Funding.

These accounts are also inaccurately reported as open under collections. Collections should not be classified as open accounts. This reporting violates accuracy guidelines under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I request these accounts be permanently deleted from all three Credit Bureaus.
Product: Credit card or prepaid card

Barclays credit card charge me for services wrongfully applied. I have tried to resolve the problem since XX/XX/2022. I have been verbally abused and even disconnected various time. I have also called and spoken to various employees from XXXX XXXX XXXX XXXX XXXX and from cfpb.gov/debt-collection and nothing has been done. It has been 9 months and Im still being harassed by the credit card company and being charged late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX under the Fair Credit Reporting Act 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: Credit reporting, credit repair services, or other personal consumer reports

notice of dispute was not added to this account which is violation of consumer laws. I also did not receive a response from this company regarding debt validation
Product: Debt collection

On XX/XX/20 I order a treadmill form XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through XXXX XXXX financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/20, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, XXXX : XXXX, and ( 2 ) receiving verification of the payment account ( XXXX   Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/20. She was subsequently assured by TD that everything was set up correctly. 

Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. 

After calling TD to straighten this out today, TD is now trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}. I offered to cut a check today for the principal, and not a penny more, which was not only rejected by TD 's collection representative, but met with the threat of ruining my credit if I didn't pay the entire amount they are claiming is due. 

I reached the rep, along with my assistant on the line, today at XXXX. She identified herself as XXXX and claimed her employee ID is XXXX. 

I am including screenshots from TD 's payment portal illustrating my enrollment, bank statements indicating a sufficient balance ( thereby invalidating the NSF claim and associated fees ), as well as TD 's  statements.
Product: Debt collection

I received a summons from Portfolio Recovery Associates. I had not received any prior notifications via the USPS. I am filing this complaint to have it documented & also will be mailing in a debt validation letter to them requesting a PROPER debt validation with a request for PROPER verifiable proof to be provided PER FCRA 609 section ( a ) ( 1 ) ( a ). I am requesting to see the original signed contract between XXXX & I. The case # is XXXX. I
Product: Credit card or prepaid card

I accepted a XXXX XXXX position XXXX  XXXX XXXX XXXX out of New York. The first two weeks were trial basis so while waiting for my company card and after filling out their employment documents and payroll forms, they paid down my discover charge to be utilized for purchasing items on their purchase orders. I have lots of documentation on this issue. After the items were purchased and shipped to XXXX XXXX  XXXX they reversed their bank payment against my card resulting in 8500 of items bought with my own money. I tried to dispute both the purchases and the payments against my card and discover will not resolve.
Product: Debt collection

A landlord withheld a {$2500.00} deposit, and charged an additional {$810.00}. 

They did not have a judgement agains the tenant per Nevada law XXXX. 

We filed and won a small claims court aware of a returned deposit, and removal of creditor. 

I notified Hunter Warfield, and they have not removed as been unable to verify with rental agency. The judgement deicision is case XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. Opened account to get a sign-up bonus, sometime in XX/XX/22. 
2. Working through steps to meet the sign-up bonus criteria. 
3. Deposited a little cash into the account to establish a bank connection and make sure everything is working smoothly. {$50.00} on XX/XX/22 and {$50.00} on XX/XX/22 XXXX. Went to make the remaining deposit, {$900.00}, to meet the sign-up bonus criteria. 
4. Account gets locked. 
5. Called the number in the Region 's bank External Transfers portal. 
6. Called the help lines. 
7. Talked to the branch manager where my account was set up at because my account was set up over the phone with the help of one of Regions other representatives. 
8. My {$900.00} doesn't get deposited into my Region 's Checking account. 
9. I " miss '' the cut off date to meet the sign-up bonus requirements. 
10. I call and try and dispute that it wasn't my fault that funds weren't deposited. Regions stopped the transfer, therefore I should still be eligible for the bonus. 
11. Regions stiffs me on the sign-up bonus. 
12. Try and get my external transfers unlocked to withdrawal my money. No one can unlock it until I see a banker in person. I have suggested having a notary verify my identity. XXXX  call. Nothing seems to be good enough of a solution. I live 2 hrs. away from the nearest branch. 
13. It has now been long enough that I should be able to close the account with out being charged a fee. 
14. I called to try and see what the closing process would be. 
15. I am informed that the account needs to be at {$0.00} to process a closing. I can't get the money from my account because external transfers is locked. I get the impression that I would have to be in-person to close the account even it it was at {$0.00} which I don't think should be the case. 

What I want : I think I am still do my {$400.00} sign-up bonus. I want to close the account with not penalties, and I want my money that is in the account. I want to end my checking relationship with Regions bank.
Product: Debt collection

XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like XXXX  insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent please investigate each code violation and enforce them. 
15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 I invoke my right of rescission to rescind the void or voidable contract
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name my social security number is XXXX XX/XX/XXXX my complaint is that trans union credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have trans union removed these accounts from my credit report its affecting me. All negative accounts are fraud