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

On XX/XX/XXXX, there was a fraudulent withdrawal that took place on my checking account for my business XXXX XXXX. Account number XXXX where all of my money was taken by someone and transferred to an account that isn't mine, nor do I have access to in anyway. {$22000.00} was taken from me and they are refusing to pull it back or give me my money back... 

Normally you should be able to just report these and that's that, but USBANK is telling me that since it's beyond their standard 60 days that the fund can not be pulled back from the other bank in which someone transferred them to... 

This is ridiculous because I had originally called and reported this within the 60 days but that dropped the ball and did not put in a dispute case for this transaction. They told me that I should try to call the debiting bank XXXX, which I've never had an account with. Since I haven't had an account with them they weren't able to give me much info. By the time I got around to calling back and realizing that they had not disputed the charge the first time I contacted them, it was now past the 60 day point. I think this is ridiculous that over {$20000.00} can just be taken from me and they do everything in there power to make sure I can't dispute it within the proper time frame and actually receiving my money back. 

I have reported this to the police and am submitting the police report with this complaint to show that it indeed is not me whose done this and I need to get this money back.
Product: Debt collection

The amount is wrong. I submitted a dispute on XX/XX/XXXX, They sent me a letter dated XX/XX/XXXX on XXXX page it states XXXX XXXX was XX/XX/XXXX but on the final bill page they received from XXXX XXXX it says XX/XX/XXXX. Additionally, my payments were XXXX per month before XXXX made the billing error of adding others on my account. My bill went up to {$240.00} due to the error by XXXX. I spoke with them the told me to pay {$35.00} which I did on XX/XX/XXXX and they issues a credit for the rest of the bill. I received the next bill that was more than DOUBLE of what my bill should have been. That next bill was for {$460.00} which is more than double of the {$220.00} of which I should have been billed. The information Caine and Weiner ( debt collector ) provided to me is incorrect and it was not verified with XXXX XXXX. They simply took a final bill and sent it to me with no investigation. When I spoke with them today, XX/XX/XXXX, I was advised this is all the information they have. I had been with XXXX since XX/XX/XXXX and paid my bill monthly. I'm attaching a copy of my XXXX billing so you may see the payments and charges. I'm also attaching the second dispute I submitted to Caine and Weiner today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following items to be updated or deleted from my file immediately : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I AM WRITING THIS COMPLAINT REGARDING UNAUTHORIZED CREDIT INQUIRIES THAT HAVE ADVERSELY AFFECTED MY CREDIT REPORT. ENCLOSED WITH THIS LETTER IS A COPY OF MY DISPUTE AND FTC REPORT. THESE INQUIRIES ARE NOT AUTHORIZED AND INITIATED BY ME. THIS IS CLEARLY A VIOLATION OF MY RIGHT AS PER Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. THESE ARE THE INQUIRIES THAT I HAVE LOCATED, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I WOULD LIKE THE CONSUMER FINANCIAL PROTECTION BUREU TO INVESTIGATE THESE UNAUTHORIZED INQUIRIES PROMPTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX G XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX FACTUAL DATAXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX  Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX   customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent  us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. 
Here we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX  to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, TransUnion and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Product: Credit card

The customer service on my XXXX XXXX XXXX card is really bad. I have attempted multiple times to contact the XXXX XXXX XXXX team to verify some contact information at their request. 
XXXX. I called them XXXX on XXXX XXXX, 2024, and I have been stuck on hold for XXXX minutes already. 
XXXX. I contacted them on XXXX other occasions, but the issue is still unresolved. 
XXXX. This has been an ongoing issue with my XXXX XXXX XXXX XXXX account for the last XXXX months.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Product: Vehicle loan or lease

XX/XX/, I purchased a vehicle that was {$15000.00} and financed it with monthly payments just under {$300.00}. I never was explained an {$2300.00} extra for warranty at dealership. I remember them telling me I'm going to need that and they checked it to add in to purchase. After 3 years of never missing payments my balance was {$11000.00}. 
After looking threw records of payments I noticed that every payment I made the majority went to interest. Some of payments only paid {$50.00} towards loan with the rest of my entire payment going to interest. The entire 3 years the records show my payments for loan and interest always changing. This could only mean one thing and that is the plan was for me to keep paying my hard earned money but never own the vehicle. Why would {$200.00} of a monthly car payment go to interest. Completely set up for failure. When I asked the Wells Fargo auto loan department about the payments being mostly to interest the response was. 
" yeah your interest rate is really high, you could try and get a new lean holder to take over loan ''. 

After I lost my job during pandemic I fell behind and they kept threatening to repo I finally got a job and did what I could but then they demanded {$11000.00} for pay off.
Product: Mortgage

I received information from XXXX ( XXXX ) XXXX XXXX-Senior Case Manager ' stating that a violation had occurred with my mortgage. The " Deed of Trust '' and the 'Note '' had been separated by NationStar XXXX I was told by XXXX XXXX that a law firm by the name of XXXX XXXX XXXX ( XXXX ) could fix the issue for {$4000.00} and it would take four months to resolve. XXXX XXXX state that my rate would be lowered to 3 % and all late payments forgivened. I need to know ifthis is true or is this a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute hard inquiry Discovered that hard inquiry reported on my XXXX credit report made by COMENITYCAPITAL/XXXX  on XXXX 
I have attempted to reach this company, but I was unsuccessful. 
I did not apply for any credit with COMENITYCAPITAL/XXXX, I dont know who this company is. I request this inquiry to be removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home caught on fire XX/XX/2018. I filed an insurance claim with my insurance company and used the contractor that the insurance company recommended. My company required that the contractor complete some documents and submit contactors license. The mortgage company made two major mistakes. 1. Waived ( at the request of the contractor ) the requirement of the contractor to  provide a copy of their license, because they incorrectly thought my property was in Texas. 2. Released the first payment to the contractor without insuring that all documents were completed as required. As a result, this company has subcontracted out work to people that has failed to obtain permits prior to working on my home. This city issued request for the contractor to obtain permits for electrical, mechanical, and plumbing. The company applied for permits, but never completed the work. The permits have expired several times, my home has been broken into and copper piping stolen along with other damages. The windows were installed with gaps all around the edges, walls put up without complete insulation, siding is falling off of the house, heat damaged, broken concrete remains in the garage ( where fire started ), subfloors continue to weaken due to delamination, and the home is showing signs of mold. The insurance company has since dropped my insurance coverage and the contractor has not done any significant work on the home in almost one year. I can not obtain insurance on the home due to the open claim and incomplete work. I continue to pay utilities and mortgage on the home and had to pay to have a security system installed and pay for monitoring. My mortgage company refuses to release money from the claim and my city is calling me into court to answer to expired permits, incomplete construction, and code violations. I have been told that if the issues are not corrected, I will be fined and/or jailed.
Product: Debt collection

In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 
2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 
3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 
4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 
5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!
Product: Checking or savings account

Today, XX/XX/year> amount {$10.00} was sent my from XXXX to greenlight company. 

I was trying to start an account with Greenlight so my son could learn financial responsibility. During their sign-up process, they request {$10.00} which I did send via my XXXX. As I went along through their application process, I saw that I had to select a monthly plan for their services, which was not disclosed prior to me sending them {$10.00}. I think that this is misleading, many Americans and Im sure they were pocketing the money That people send prematurely like myself. I reached out to the company who said I have to finish opening an account pay that fee and then they would return whats left of my {$10.00} which ended up being less than {$10.00}. This may not seem like a lot to some people but if theyre doing this to millions of Americans, theres a problem.
Product: Debt collection

I have disputed this debt with XXXX several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given XXXX my written instructions or consent to furnish anything on my credit report. Nor have I given them permission to pass on any of my information to any third party person! They continue to violate my rights. If this account isnt taken off of my credit report with XXXX relief i will file for litigation immediately. 

According to 15 USC 6802. No financial institution is supposed to share my information to third-party people. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

i have not given these accounts ( below ) or XXXX/I.C. System my written permission to furnish these accounts on my credit report. 

I.C System INC account # XXXX. 
( Original creditor XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a balance.
Product: Mortgage

Second Mortgage on home matured from PHH Mortgage company in XX/XX/XXXX. Company is reporting missed monthly mortgage payments of XXXX dollars on my credit report monthly which is incorrect Additionally in the beginning company was also falsely reporting that this was a 30 year mortgage which it was a 15 year mortgage. Company also falsely reporting the wrong past due amount monthly on my credit report. This was a balloon loan and it is not being reported as such. The false reporting is not allowing me to refinance my mortgage because it looks like I missing monthly mortgage payments instead of a balloon payment. Additionally in XX/XX/XXXX I applied for a refinance with XXXX mortgage and on numerous occasions told I was approved for refinancing but only to be denied due to there own company falsely reporting that I missed a monthly mortgage payment in XXXX of XXXX.
Product: Credit card or prepaid card

i was discriminated against when applying for the gold card with American Express, i was denied an extension of credit. not once but twice.
Product: Credit reporting or other personal consumer reports

Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, WI 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )