23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Money transfer, virtual currency, or money service

On on the XXXX of XX/XX/2022 I sent my brother {$84.00} on cashapp and he had just got a new phone and tried to login to his cashapp on his new phone and it wanted him to verify the linked card and when he did it said his identity couldn't be verified and he needed to create a new account to contact customer service. So he did that and he messaged support for 3 days going back and forth. They will not let him into his old account and they won't refund my money to me they just stole the {$84.00}.
Product: Student loan

I HAVE TRIED FOR OVER TWO WEEKS TO GET SOMEONE ON THE PHONE TO DISCUSS MY XXXX XXXX XXXX XXXX 

I GET EMAIL BACK SAYING SOMEONE WILL CALL YOU BACK SOON ... .NO CALL IS EVER RECEIVED. 

I JUST WANT TO PAY OFF XXXX XXXX XXXX AND DO NOT TRUST THE GOVERMENT OR ANYTHING ONLINE... I WISH TO DO THIS OVER THE PHONE WITH A LIVE PERSON. 

PLEASE HELP. 

THANK YOU. 

XXXX A XXXX
Product: Debt collection

My name is XXXX XXXX and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 

Fraud has been committed on my consumer report, which violates the Fair Credit Reporting Act ( F.C.R.A ) and Fair Debt Collection Practices Act ( F.D.C.P.A ). Portfolio Recovery Assoc. is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR THE ACTUAL ACCOUNTING : REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.CXXXXC 9-210. 

This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Portfolio Recovery Assoc..

Please be advised that providing a memorandum or other statement from your agency, stating that Portfolio Recovery Assoc. has the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit card or prepaid card

On XX/XX/2023 Amazon.com incorrectly charged {$150.00} me for a XXXX membership renewal after I had filled out a form on amazon.com to contact me before renewing the membership. 

Also on XX/XX/2023, I called Amazon, and they understood and immediately credited my Chase Amazon Credit Card for {$150.00}. These two transactions occurred on the same day, as evidenced by my XXXX and XXXX credit card statements. 

Instead of entering the credit as a credit to the account during the month, Chase entered it as a payment for the credit card, instead of a charge reversal. 

Since I had a 12 month 0 % interest purchase on my account of {$55.00} per month, the way Chase 's creative accounting is done, my statement requested a minimum payment to avoid interest of {$200.00} or a minimum payment due of {$90.00} that would result in me being charged interest, as opposed to the usual {$55.00} payment it should have been. 

Either way, Chase found a way for me to incur interest by posting that charge reversal as a payment instead of charge reversal or credit during the statement period that should offset the erroneous charge by Amazon. Two hours elapsed between the time Amazon charged me and the time I had it corrected, yet I am on the hook for interest for a {$150.00} that didn't really occur. It is a deliberate, unethical attempt by Chase to maximize the possible interest charges, and an underhanded way to do so. 

This is unethical, and I have closed both credit cards accounts I had with Chase, damaging my credit scores due to the loss of extended credit. 

Since it is obviously unethical, I am assuming it is illegal as well, and I am filing a complaint about Chase 's accounting practices regarding credit cards purchases and credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. 
So I'd like to ask for you help to resolve this issue and restore my credit reputation. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing up on my credit report that are not mine or balance
Product: Checking or savings account

I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.
Product: Payday loan, title loan, or personal loan

I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! 

It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? 

I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. 

I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. 

I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?
Product: Credit reporting or other personal consumer reports

XXXX  And KikoffLendingLLC Have reviewed a dispute and responded back saying my dispute was irrelevant. I included the date of XXXX which is the date the account reported the negative item, Ive disputed this item multiple times and I feel they arent doin theyre job correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. 
XX/XX/XXXX XX/XX/XXXX Bay Valley Mortgage group fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. 

XXXX XXXX fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.
Product: Credit card or prepaid card

I contacted Best Buy XXXX XXXX for a message on my laptop as I have before. The agent requested permission to remote in as I have before to see the issue. Upon remoting in he stated I have an internet breech and he would need to send a system out for 3 days to block dark ware. He then proceeds to log on my account for gift cards to hold the retainer fee that would be refunded. As I later find out, this was done to both my Best Buy account and my Citi card credit card both owned by Citi Bank, The Best Buy was declined for suspected fraud while the credit card processed. I have sent all of the back up information that I have including the phone number used by the agent as well as receipts retained at the XXXX XXXX location showing this was not one of their agents and he fraudulently accessed and purchased on my card. I still have the gift cards that were mailed to me, but he somehow gained access and made purchases. The credit card company continues to deny my claim saying I have not given sufficient information. 
Best Buy customer service does not show anywhere where I purchased cards nor made purchases. This receipt form was found when the manager entered the gift card code to find the XXXX  balance. I also discussed with the credit card company where they can see the transaction was purchased, reversed, then purchased again on the same account.
Product: Credit reporting or other personal consumer reports

These mistakes need to be removed immediately. If they cant be verified, they must be taken off my report. Please resolve this as soon as possible.
Product: Debt collection

Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX : Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

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

The following addresses are listed in my name with XXXX XXXX, Equifax, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.
Product: Mortgage

I purchased my house in XXXX and had two mortgages ( XXXX ). I have been paying regularly on my first mortgage ever since. In XXXX, I modified my first loan and was told an Obama program took care of the 2nd loan. Suddenly, on XX/XX/XXXX I was hand delivered a sheriff 's sale notice to take place on XX/XX/XXXX. The servicer on the sheriff 's sale notice is Real Time Resolutions , Inc, and their lawyer is XXXX XXXX XXXX XXXX. I received no prior notice at all but I also believe this 2nd loan was forgiven/cancelled as of XXXX. I have received no communication from any company/business regarding the 2nd mortgage since the modification of my first mortgage in XXXX. This seems illegal and I believe I am a victim of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via mail several times in XXXX, XXXX, XXXX and XXXX including two complaints I filed with the CFPB about the information they are allowing to be reported on my credit report that is incorrect. I reported a delinquency on my credit report that was fraudulent, and I even gave Experian the correct information. However, they keep saying the information was verified. I contacted the XXXX XXXX, Virginia civil courthouse clerk who explained to me that the information was not correct. 

The information that is reported on my Experian Credit report that is in question is : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Virginia XXXX Phone number ( XXXX ) XXXX Account Number XXXX Balance : {$10000.00} Balance update XX/XX/XXXX The monthly payment is {$1300.00} Past due {$10000.00} Term 24 months The lease was opened XX/XX/XXXX To begin This was a rental property lease for a home that was not rented through XXXX XXXX XXXX. 
The lease amount was {$1300.00} we left the property XX/XX/XXXX because. And as you can see from the attached court documents this is all verifiable. The XXXX Virginia court has a total of {$8200.00} and XXXX XXXX is reporting that I owe {$10000.00} with that amount changing constantly because he adds more money each time he updates this with Experian. Also, Virginia State eviction law does not allow Landlord or property Owners to receive interest on debts after the tenant has vacated. At this point I want the information deleted because Experian has allowed this person to falsely verify this false information for years, I have also reached out to Legal Aid.

Documentation showing Experian 's reporting and Documentation from the XXXX XXXX Virginia Court has been attached showing proof of this huge error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX  account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2020 vehicle was towed and in process of retaining my truck observed some body damage done by tow truck and brake light stayed on I contacted TD Bank and advised was informed protocol was to wait until transaction has cleared because they couldn't stop transaction even though they still was in control and could have stopped transaction yet not only did they not stop or remedy same they fail to file claim as instructed
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses reporting that I have never lived at
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Mortgage

My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.
Product: Credit reporting or other personal consumer reports

Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.
Product: Money transfer, virtual currency, or money service

I have made multiple calls to PNC to help with the issue and gotten verification codes to confirm my identity and yet I still can not complete transactions on my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus state my account was properly investigate but how is that possible if the open date is inaccurate, the date of last activity is accurate and missing field on account type, incorrect account number and inaccurate reporting this ground for removal 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Debt collection

Credit Collection Service ( CCS ) is reporting on my credit report that I have an collection account in the amount of {$260.00} that was supposedly opened on XX/XX/2019. I never applied or opened this account. This is an fraudulent account. I have make numerous request for proof and verification of this account directly with CCS to no avail. Again, this is an fraudulent account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : TOYOTA MTR XXXX