23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the law of United States, if executed outside of the United States ) that the forging is true and correct to the best of my knowledge. Further I clarified that I am permitted by federal and state law to file this dispute I also understand that knowing and willfully misstatements or o omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identitying information to apply for goods, services, or money ; and was successful in creating some accounts all is being investigated by the FTC. XXXX, XXXX XXXX XXXX # XXXX XX/XX/2019 {$1800.00} is 100 % fraudulent.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report not too long ago and i noticed these hard inquires on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

I XXXX XXXX declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, theses misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without any authorization has used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All of this is being investigated by the FTC.
Product: Checking or savings account

Subject : Unauthorized Withdrawal from My Account Hello, I am reaching out regarding an unauthorized withdrawal from my checking account at Wells Fargo on XX/XX/XXXX. The company that withdrew funds is XXXX. They were listed as a payee for my home security service ; however, I changed my payment method to my credit card back in XX/XX/XXXX. 

Out of nowhere, XXXX charged my account {$400.00}. I contacted Wells Fargo about this issue, but they denied my claim, stating that the withdrawal by the payee was allowed even if it was not used in 2 years. 

I also reached out to XXXX, and initially, they denied having my bank account number in their system. However, on XX/XX/XXXX, they acknowledged the charge but claimed it was a check for equipment I had purchased from them. I asked them to provide the image of the check, but they could not. While I did buy equipment in XX/XX/XXXX, I paid for it in full with my credit card, and I have proof of that payment and invoice. 

I am at a loss knowing that someone could withdraw money from my account without my authorization and that Wells Fargo allowed this to happen. I would greatly appreciate any assistance you can provide in resolving this matter. I can provide all the necessary documents to support my case. 

I appreciate your help. 

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

I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX  INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents
Product: Mortgage

Due to the Corona virus 19. I need assistance doing a deferment with my loan. I tried calling several times once waited 6 hours on the phone still no one answered. I do not want a forbearance I want a loan modification or deferment. But I cant get a hold of anyone to help me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX  by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX balance {$280.00}, XXXX XXXX XXXX balance {$120.00}
Product: Debt collection

Checked my XXXX XXXX  and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute
Product: Money transfer, virtual currency, or money service

I lost {$5000.00} dollars to a scammer who said she was stockbroker and will invest my money in bitcoins and I will make profit but it turned out to be scam. My bank isnt helping me either. My financial institution is Bank of America. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, Transunion, and XXXX. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit report.
Product: Prepaid card

I received a vanilla gift Visa card from a family member XX/XX/2024 for a birthday gift in the amount of XXXX dollars. I used a portion of the card for a purchase I made on XXXX XXXX 26for the amount of XXXX and on XX/XX/XXXX th I went to use the remainder of the balance on a purchase at XXXX XXXX but when the clerk applied the card as partial payment it took the full XXXX dollars because the charge from XXXX had not went through yet. I was afraid that I would end up with a overcharge either from XXXX or vanilla so I asked the clerk to cancel the order and I ended up paying for both the XXXX order and the XXXX XXXX order with my own Visa card. I waited a day and when I didnt see the credit of XXXX dollars back on my vanilla visa I called the XXXX XXXX store and they assured me that the sale was canceled and the card was never charged. So when I didnt see the balance on my gift card I called to see what was going on and the only option I could find because I couldnt talk to a representative was to file a dispute over the card. So I filed a dispute and they froze my gift card until the issue is resolved which to this day 92 days later has not be resolved. I cant get vanilla to respond to my emails and I cant get a number to call any to get this worked out. It seems to me they got their money and they could care less about getting my money back on the card so I can use it. The case number is XXXX and the email is XXXX. As a consumer it is very frustrating to have to deal with this company Im asking for your help in everting my money back on my card and getting it where I can use the card. I also would like to report this company and there practices to someone that can let people know to never use them. Thank you XXXX XXXX XXXX.
Product: Checking or savings account

As for Thursday XX/XX/2021 XXXX XXXX  I try to deposit my check at the ATM of Bank of America XXXX XXXX XXXX, XXXX, TX XXXX and the ATM ate my check I called Bank of America and file a claim they said I wouldnt see funds in 3 business days I need my check deposit for next day to pay rent they said it might take up 2 weeks for the investigation a couple of days ago this atm machine was not working at all, this particular location always haves atm problem. the check was or is for XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding my current credit report recent negative reporting from XXXX XXXX XXXX XXXX ( " XXXX '' ) regarding an account that was paid in full as agreed. The employee or representative of TransUnion stated to me his computer screen showed two late payments from this creditor. I told TransUnion that my personal credit report from XXXX did not show any negative reporting so why would the reporting show up now. The TransUnion individual stated to me that they report what the creditor tells them to regardless if it is correct or not. 

I feel very targeted by XXXX and TransUnion. Does appears that the credit bureau is protecting the creditor and not the consumer who paid the loan in full. 

I am asking for a full investigation in to the policies and procedures for TransUnion and why they are allowed to put anything on a closed paid as agreed account. 

I tried to attach my XXXX credit report showing no negative reporting, however this system is unable to the pdf file.
Product: Debt collection

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Product: Mortgage

We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a complaint with respect to XXXX XXXX XXXX. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.
Product: Checking or savings account

I have a basic savings account with Citibank. On Saturday, XX/XX/2021, I attempted to log into my account, and kept getting an error message that my password was incorrect ( which it was absolutely the correct password ). I then hit the " forgot password '' to just reset the password, and received a message that online access to my account had been blocked and was prompted to call the customer service line. Over the course of the remainder of that afternoon, I called multiple times, each time either 1. being told that no information could be given to me or 2. being told completely different things every phone call. I was finally told that I would have to wait on a letter to be mailed to me to verify my account. 

It has been almost 2 weeks since I was first denied access to my account, and I have still received no letter in the mail. Each time I call, whether it's to gain access to my account or just attempt to close it and have the funds in my account mailed to me in a check, I am told that nothing can be done until I receive a letter, which is absolutely absurd. On my last phone call with citibank, which was today, the rep came back on the line and told me he simply could not help me, and that he would be terminating the call. He then hung up on me. My money is in this bank account, and i have no way of accessing it, nor closing my account, and Citibank refuses to assist me outside of mentioning a letter, that I have yet to receive after almost 2 weeks.

As of right now, I still have zero access to my account ( online banking ) or the money in it. I am being told to wait on a letter to arrive via USPS mail, that should have been here by now, and is still not here. We are in the middle of a pandemic, and I can not access my account nor can I close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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

I have found that Equifax continues to ( 1 ) fail to properly investigate my disputes, ( 2 ) they continually add incorrection personal information to my report report, and ( 3 ) they have not after numerous request put my name back to receive offers from lenders.

I have filed countless disputes to correct my credit report. Items that should have been removed and block remain in my report. I have sent in and uploaded a copy of my drivers license to show my correct address and I have written and verbally asked to allow credit offers to be sent to me. And after years of complaining and requesting, nothing has been done. The automated system can not verify me because Equifax will not make the corrections on their end.

Please help.
Product: Payday loan, title loan, or personal loan

XXXX XXXX of 2023 I got emails and text messages saying I got approved for {$10000.00}, {$8000.00}, {$5000.00} etc they even send XXXX I signed i literally put my whole personal information from ssn, bank account and router number address everything. After that I got 30 plus emails saying my email and my information was found on the DARK WEBSITE, DEEP WEB I have a screenshot of the docusign its not that clear it shows my name on it shows a number to call I call someone will answer and hangs up Its to companies one name XXXX XXXX XXXX and the other one called the XXXX XXXX, and upstart loans I honestly think its the same people. They got my information when ever they run bank account numbers and routing number they say the dont do business with XXXX  XXXX they black listed thats when I know its to late my personal information is out there XXXX XXXX XXXXXXXX one I ask how do you know that I have XXXX  XXXX they hang up in my part locked my credit and freeze it as well I still dont know what else to do.

Heres 2 of the emails address XXXX ( XXXX ) XXXX & & XXXX XXXX Upstart XXXX ( XXXX ) XXXX Everyone of these sent documents agreements to on XXXX All ask for personal information from ssn bank account and routing numbers.

The 3 companies said I can go up the loan store and pay fee through cash app, XXXX, XXXX, gift card, etc. thats the fact after I sent the company ( s ) all my information.
Product: Mortgage

Since my Financial issues 's back in 2015 XXXX, I have requested Loss Mitigation help twice from Flagstar my mortgage company. My mortgage was {$1500.00} and each Modification that went through only reduce my mortgage {$100.00} to {$1400.00} and i explained to Flagstar that if my mortgage could be reduce to {$1000.00} short term i could get back on track. After only having it reduced to {$1400.00}, i decided to hire a realtor to sell the home and i also advise Flagstar and sent in all letters and third party documents into Flagstar. Flagstar repeatedly never updated my file or shared notes with other customers service people at Flagstar. So every time i called to check on my case either i was missing a document or or my file was not updated. This has been going on for 1 year. Now i requested a Deed In Leu and mailed in all documents requested and i have been met with the same resistance of i 'm missing documents, or they did not get a complete packet and i 'm sick and tired of this run around with this company, all i 'm trying to do to avoid foreclosure is sell the house back to the bank but every time i turn around, I 'm given excuses that my packet is incomplete or i 'm getting letters telling me my packet is incomplete. I need help i just want to get rid of the house from my divorce,.
Product: Consumer Loan

USAA through XXXX XXXX did not cover the replacement of shock absorbers on my XX/XX/XXXX XXXX XXXX. I purchased an extended waranty during the process of refinancing my vehicle. I believe USAA is guilty of deceptive advertising andam filing this complaint in an attempt to be made whole from this deception. On XX/XX/XXXX I obtained a loan from USAA for my vehicle. In those documents and during that transaction I reviewed the information on the web site for the extended vehicle protection plan ( " Plan '' ) and financed {$840.00} for that plan. I recently took my vehicle for servicing and it was determined to need new shocks. My understanding ( now ) of the suspension assembly is that in this vehicle the front uses XXXX Struts, while the rear uses shocks. The web site states the following : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_main_page? 
akredirect=trueWhat 's not covered? Extended Vehicle Protection may not cover repairs under thefollowing conditions : - If the repair is still covered by the manufacturer warranty or covered by a recall or special policy by the manufacturer. 
- For normal wear items such as brake pads, wiper blades, light bulbs and tires. 
- On vehicles with modifications not recommended by the manufacturer, i.e. useof oversized tires, header pipes or removal of any emission control system components. For moreinformation on what is not covered refer to the service agreement which XXXX XXXX mails to you when enrollment is complete. 

In addition under the section on details of what 's covered it states : https : //www.usaa.com/inet/pages/extended_vehicle_protection_program_details Upper and lower control arms and their shafts and bushings, ball joints, steering knuckles and spindles, stabilizer and strut or track bars and their bushings and links, coil springs, torsion bars and their mounts, leaf springs and their shackles and bushings, hub bearings and wheel bearings and XXXX struts . 

I believe if USAA does n't cover these shocks their advertising is deceptive because of the following : It is clearly stated what is not covered and " Shocks '' are not a consumable product and do n't fall into the categories above. 
- I only saw the web site and the loan documents before I signed the agreement for the loan and did not see this exclusion in the contract ( and still have n't actually as this contract is not in my USAA documents ). I never signed any contract. 
- Shocks are considered part of the suspension assembly and it states that thesuspension assembly is covered. After spending several hours talking to USAA and XXXX XXXX, I still have no resolution. The cost for these shocks is approximately {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against experian because I tried to dispute the XXXX XXXX bankruptcy off my credit report because US BANKRUPTCY CLERK said they do not report to the credit bureaus or agencies so where this come from and who put this on my credit report. Cause XXXX, XXXX, experian said it comes from the courts no it XXXX I have a letter stating that they do not report to credit bureaus. I need this removed from all credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I was browsing for tickets online via XXXX the site kept crashing and reloading when trying to make a purchase. I reloaded the page and it charged me for 6 tickets. I called Capital One to dispute the charge. After several attempts both in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with each rep telling me new information 's and a new task for me to complete the issue was never resolved. Now I am responsible for an {$1100.00} charge on my credit card which I can not afford This has been a nightmare and I do not feel I should be liable for a charge I did not consent too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan was paid in full. Instead of my score increasing, the credit bureaus said I was a liability to Lenders by paying one of my oldest debts off too soon, and therefore my score was actually decreased by XXXX points on Experian and XXXX points with XXXX 
As a consumer I should never be penalized for paying an installment off early considering the high interest rate. 
I never missed one payment and Im falsely penalized for paying my account timely. 
The credit reporting agencies are bias and need to be more closely monitored to combat their inaccuracies and prejudices.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX **Amount : $ XXXX **Date of Account : XXXX