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

Im accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2024, I was issued a refund of {$19.00}. That brought my balance up from {$300.00} to {$320.00}. Im am trying to figure out where the missing money is. XXXX doesnt seem to know or care, and the same with PayPal . There is a charge of {$160.00} on my PayPal account from when I tried to transfer money from my PayPal account to My XXXX XXXX wallet. It wasnt until after I submitted it that I realized the recipients email address was unrecognizable & had nothing to do with XXXX. I also have a charge from XXXX thats pending on my PayPal account that they are trying to take {$150.00} out! Im not happy with either company
Product: Checking or savings account

I was banking with Navy Federal and they closed my account and never gave me an explanation or a means to why it was closed or an email or letter to my home explaining why. I wasn't working and I signed up for over draft protection but I never understood why I continued to get overdraft fees and this wasn't happening before but I guess because I was looking for a job and subscriptions were trying to come out of my account they would continue to charge me {$35.00} for each transaction. When I called I spoke to a woman I don't remember what her name was but I explained that my job went bankrupt and had to let us go and that I have overdraft protection I don't understand why I am being charged for each transaction when it shouldn't be she could not understand either but told me she sees the overdraft so she isn't understanding why I am being charged at all. She told me she would look into it and never called back and she was busy every time I tried calling to speak to her they closed my checking account earlier part of this year i now only have a savings account. They also deleted messages about any alerts I had in my app about returned item notice, account low balance, and any overdraft fees they have charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CITICARD CBNA ACCOUNT DO NOT BELONG TO ME PLEASE INVESTIGATE AND REMOVE THIS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO EXPERIAN NUMEROUS TIMES TO REMOVE THIS ACCOUNT. PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THE DISPUTED ITEMS AS SOON AS POSSIBLE THANK YOU. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT. BELOW IS A LISRT OF LAWS THAT HAVE BEEN VIOLATED. 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )
Product: Checking or savings account

Hello, my name is XXXX XXXX. I had two unusual transactions from XXXX after I had deposited a check for {$1000.00}. Both transactions seem to be headed in the same direction, a number I have no clue where it's from and the name either. These transactions were made on the XXXX and XXXX of XXXX. Putting my family and me in a very stressful part, I had to pull strings to get out of this situation.
Product: Checking or savings account

XX/XX/22 I requested a stop payment for a draft from XXXX pay financial because they was drafting twice a month, instead of once. I've begged US Bank to monitor the situation, instead they ALLOWED XXXX  Pay Financial to drain my checking account so they could accumulate Overdraft fees... So now my account is negative and I can't open an account somewhere else.
Product: Debt collection

Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both
Product: Checking or savings account

On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.
Product: Debt collection

Harris & Harris LP contacted about a debt that was placed with their company on XX/XX/XXXX with their organization. ( I highly doubt this is accurate, and instead they purchased the debt ) States that the Dept of Taxation of Virginia placed a XXXX debt for XXXX and XXXX years Spoke to customer service rep XXXX XXXX XXXX  XXXX XXXX states she was unaware that the debt was discharged in XXXX XXXXXXXX bankruptcy that was filed in the XXXX XXXX District of Virginia. 

Harris & Harris are unaware of the statute laws for collection in Virginia. They are not allowed to collect in Virginia because they are not registered in this state to do business.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress  and XXXX. 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a secured credit card that I put a deposit down for in the amount of {$200.00}. I paid my balance in full almost every month. I started getting behind on my bills and did not want to get to far behind so I closed the account in XX/XX/year>. The company called wanting payment and I asked them to send me a final itemized bill. I never got that. It went to a collection agency and when they called I asked for the original signed contract and the final itemized bill. The only information they provided was copies of my monthly bills from when I was in good standing with them. I called them to tell them that isn't what I wanted and that my {$200.00} deposit has not been applied to the balance. The balance is {$260.00}. Once my deposit is applied the balance will only be {$65.00}. A couple weeks later I received a notice from a new collection agency. So, I went through all this again still not getting the information I requested and my deposit still has not been applied to the balance. Once again I now have a new collection agency holding this debt. I have disputed this on my credit report with all 3 agencies and I can not get any resolution. As soon as my deposit is applied I will pay it and that's that. I don't know what else to do to get them to apply the money I originally sent them in order to get the card. I don't know what else to do.
Product: Mortgage

Our previous mortgage company, UWM, did not pay the property tax that was due in XXXX on time, so we received a delinquent tax bill and additional penalties. Our property tax would have been {$4400.00} if it was paid before XX/XX/XXXX, but because they didn't make the payment, we had to pay {$5000.00}, including the penalty, on XX/XX/XXXX. UWM argues that they are not responsible for this situation because their mortgage service was sold to another company on XX/XX/XXXX. I demanded an investigation and accountability from UWM regarding the incident of my property tax being delayed, which occurred before their company was sold, but they only provided evasive answers. I am attaching " File 1 : Delinquent tax bills and my receipt '' and " File 2 : My claim filed against UWM and their response '' regarding my losses incurred due to UWM 's failure to fulfill their duty of representing payment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me. 

I anticipate your swift and comprehensive response to this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX multiple transactions where made on my account withdrawing money from multiple consumers. I do not sell a products. Some one hacked my account and stole money from many people moved it into my account then immediately withdrew it. 
I have contacted PayPal about this and they know there is a problem with security but they are making me go through multiple layers of people to fix the problem. They have made no attempt to call me, i have asked for a supervisor
Product: Debt collection

They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I was in a car accident which totaled my car. My insurance company paid majority of what was left on my loan with Independent Advantage Dealers ( IDA ) and I paid the remainder. On XX/XX/XXXX I made my final payment of {$710.00}, and have a confirmation email from XXXX XXXX to prove this. Up until this point of my final payment I made sure to make all my biweekly payments until I could afford to pay the whole remaining balance. I thought everything was good on my end until XX/XX/XXXX, over 2 years later I receive a letter from XXXX, XXXX XXXX XXXX XXXX XXXX stating that they are contacting me on behalf of XXXX XXXX XXXX as assignee of IDA stating that I owe {$780.00}. During these 2 years I have never received anything from IDA saying that I owed anything else after my final payment. I never received any form of contact from them at all. I sent a letter to the law office AND to IDA stating proof of validation of the debt and gave them a copy of the  confirmation email of my final payment. On XX/XX/XXXX I received another letter from the same law office giving me the name, address and account number of the alleged debt that I owe. Instead of the amount showing {$780.00}, they now say that I owe {$570.00}! Where are they coming up with these numbers? One day I owe them over {$700.00} and now they say I only owe a little over {$500.00}. I do not understand how they can say that I owe one thing and thing try to say I owe another. It proves even more how they do not even know what they're talking about and most likely do not even have my records still. I definitely feel like they are trying to scam me out of more money since I never once received any contact in this 2 year span, but once an attorney sends me a letter it goes directly to my new address that has changed 2 times since I paid off the car loan.
Product: Credit card

There was {$1.00} late fee from a payment that was made literally XXXX hour after their " cut off time '' so i paid the account balance which included the ridiculous late fee and current charges. Which means the balance was paid before closing date. I contacted them in reference to this and they said they are not able to waive a {$1.00} late fee! And now they are charging me a finance charge fee on a late fee. Absolutely ridiculous. What I owe I have paid so the balance is only fees. My obligation has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans through AidVantage. I was a young mom of XXXX, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called AidVantage several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a XXXX+.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting a late payment on this closed and paid as agreed account which is reflecting negative on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX  and purchased a XXXX XXXX XXXX from wise auto. I traded my XXXX XXXX, put down {$1500.00} cash, and financed the rest through credit acceptance. I begin to have problems with the car immediately and was in constant contact with XXXX XXXX By XX/XX/XXXX I i had to take the car to a automotive repair shop who they recommended, since I had a warranty purchased from them. The repair shop said it needed a engine. I quickly called XXXX XXXX because I had just purchased the car 30 days ago, and I was paying a car note. XXXX XXXX gave me {$300.00} dollars back but I asked for the full amount plus the price of my truck i traded in. I sent them and credit acceptance a letter on XX/XX/XXXX letting them know I wanted to rescind this transaction, but they have yet to contact me. So this leads me to my letter today to you. 
I have also attached a statement as to what happen with the company they referred me to. 


XXXX of XXXX the car I had just purchased begin to have problems. I took the car to the dealer and they told me to go to platinum automotive. I drove the car to the location and signed and authorization for an estimate and they were aware that i had a warranty. They processed the claim to my warranty company and they came out to look at the vehicle. After they left they decide not to approve saying prior repairs to the engine which i wasn't aware of because i just purchased the car. I tried to get my car from XXXX XXXX  and that's when the made me aware they had already done the repairs. I told them they had no authorization to do the repairs, then they told me the papers i signed authorized the repairs. They wouldn't release the car to me and i made the finance company and dealer aware. They sent a request for a lien and i sent them papers saying they had no right to request a lien. I then sent another letter demanding the vehicles back they illegally said they did repairs on, and illegally repossessed when they were not authorized to do repairs. They then called me and made me aware that they sold the car and there was nothing i could do. The papers they used to file the lien shows i only authorized an estimate so I never agreed to pay them any money, But they took my car and would not give it back. This was the worst experience I've had and i did everything right. I filled a complaint with the security of state in Michigan as well. This is against the law and i'm still expected to pay the note to a car i don't have. Please help me with this situation. 

I submitted complaints with the security of state in Michigan, the XXXX, and the Attorney General against XXXX XXXX, XXXX XXXX and credit acceptance on XX/XX/XXXX on XX/XX/XXXX XXXX XXXX  begin to send me threats by text message. 
They are now saying they know were i live and i need help from the cfpb.