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

name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX  XXXX XXXX XXXX # XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX XXXXDispute XXXX  XXXX  XXXXUnder  Dispute XXXX  XXXX  XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri
Product: Vehicle loan or lease

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley Davidson Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley Davidson XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Harley Davidson Financial in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX Under the laws of the State of ( Ohio ) UCC ( Ohio UCC code 1309 ) and State XXXX XXXX XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

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

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting on my credit report. I have no clue why these accounts are being reported on my credit report. As these damages my reputation not just a consumer but also a customer. Please have these remove from my credit report
Product: Money transfer, virtual currency, or money service

I was messaged for a job on XXXX, they sent me fake checks to purchase my equipment for the position. I was told to transfer the money to a vendor they worked with, after the third day XX/XX/22 of transferring money I stopped due to suspension of the amount of money I was being told to send. I immediately filed a complaint to my bank BECU and a friend filed a fraud report to the FTC with the provided case number XXXX. My bank today XX/XX/22 suspended my account, told me they are unable to cancel the transactions and leaving me in {$7000.00} in debt in which the fake checks totaled to. They took what I had in my savings to help pay for the debt.
Product: Debt collection

REQUESTED DEBT VALIDATION AND DUE TO NON-VALIDATION, THESE ACCOUNTS WERE DELETED FROM MY XXXX XXXX  REPORT ACC {$4000.00} XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Bank account or service

We are notifying CFPB I ca n't just sit back and do nothing.. In lieu of the issues that have occurred with XXXX XXXX, it is clear that I must report the issues I have had with Citizens Bank. We are reporting about a monthly withdrawal that we never signed for or approved of and have been complaining about it for over a year. We finally just switched bank accounts ( after 36 years ) and were waiting for the our account to be credited - then you debited the money again. We thought that the $ XXXX month was a small amount, but if Citizens Bank was doing a similar scam with EVERY account it dealt with, it could be millions in fraud. In fact I will also make a fraud claim.
Product: Mortgage

We want to file a complaint against our Mortgage Company. Bank of America who purchased our mortgage and Equity loan from XXXX, which I think is a predatory loan. I was forced from my Job XXXX causing our income to be cut in half. Because we were not behind, we went through office after office with Bank of America overnighting fax after fax from a fax in a Bank of America office. It confirmed receipt and they said they did not receive. I talked to people in BOA XXXX.They still offered no help because we were current and have stayed current. Instead they recently raised our payments Our house dropped in value from {$450000.00} to {$190000.00} during this time and they still would not do anything to help. For 10 years they have have credited our mortgage payments to the interest rate 6 % and not to the mortgage. Now they have increased our payment on the Mortgage to {$1800.00} and doubled our payment on the equity loan. We need help to keep our home. We have no other home and I do not want to live on the street XXXX. We are still not behind on our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

name of company : XXXX XXXX XXXX address:XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX : {$46000.00} n accordance with the Fair Credit Reporting act XXXX  Account XXXX 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
Product: Credit reporting or other personal consumer reports

This is the second time equifax has incorrectly reported my XXXX XXXXXXXX balance ending in XXXX! PLEASE CORRECT OR I WILL BE FILING LEGAL SUIT!
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently restricted without any explanation, and I am unable to receive assistance from the customer support staff despite their best efforts. I have previously responded with all of the requested information in accordance with what the PayPal team required. However, they are not willing to give any assistance to me and have abruptly canceled my account while also freezing my funds for a period of one hundred and eighty days. I am aware of how critical it is to do timely account reviews in order to maintain PayPal 's status as a secure environment for consumers as well as merchants that use the platform. Because I am quite familiar with PayPal 's guidelines and regulations, I always do my job in good faith and adhere to all of the company 's policies and user agreements, just as I did when I first signed up for the account and promised to do so. My PayPal account was temporarily restricted, but I did not violate any of the user agreements or do anything else that may have led to the account being permanently restricted. I have not been responsible for any inappropriate behavior. I would want to make a formal request to PayPal that they reopen their investigation into this incident and assist me in regaining access to my account. My PayPal account can be reached at XXXX, which is the email address linked with that account.
Product: Credit reporting or other personal consumer reports

XXXX Inquiry : XXXX XXXX, XXXX PROMAX/CAROUSEL XXXX XXXX XXXX : XXXX XXXX, XXXX COMMUNITY XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX MEMBERS ' AUTO SOLUTION Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX FIRST FEDERAL CREDIT UNI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX. XXXX, XXXX XXXX USED XXXX XXXX Inquiry : XXXX. XXXX, XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX. XXXX, XXXX CAPITAL XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX Update the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Update the late payment to paid as agreed Never S
ent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently viewed my updated XXXX credit report when I realised I have too many inquiries on my report that I do not recognised. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XX/XX/2022 XXXX XXXX. 
XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 I tried to enquire about it but I havent been getting any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} Status Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and need them removed from my report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

After filing bankruptcy on XX/XX/XXXX, the GM Financial company sent letters statements that they were aware and I no longer need to pay. Same with XXXX XXXX however ... GM Financial, XXXX, XXXX, and XXXX refuse to put at XXXX balance or remove off my credit reports. I personally sent letters and called the burueas and they refuse to help me back in XXXX. I hired XXXX XXXX in XXXX and they didn't get results. I sent letters on XX/XX/XXXX because I found out with my Loan Officer that this inaccurate debt is effecting my opportunity to get qualified for mortgage. Plus in the letters from GM state that I no longer owe. I personally returned vehicle back to dealership in XXXX XXXX XX/XX/XXXX. Please help me clear this false amount account that I've not been responsible for for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY XXXX XXXX XXXX. THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.
Product: Credit card or prepaid card

I signed up for and was approved for the XXXX XXXXXXXX card. I was asked to sign a XXXX after making sure information was correct. I noticed that the word `` Avenue '' in the address line was abbreviated to " AV '' and made the correction to " AVE. '' I received a follow-up email saying that I would need to sign the form again or else my account would be closed. I received a new form with the correction I made to it. I signed this form immediately upon receiving the new form. 

About a week later, after paying down early roughly {$60.00} in charges to bring my account balance to {$0.00}, I received an email saying that my account was closed after a recent review. It was stated in the email by Discover that they couldn't verify personal info but they didn't specify what info and said if I had any questions that I should send a letter in the mail. Currently my account sits at {$9.00} after a pending transaction went through, but the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous disputes. On the most recent dispute, XX/XX/2019 and XX/XX/2019 follow up letter and packet. I submitted a letter with the creditor lying to a North Carolina consumer protection agent on goods and services sold under false pretenses. After a detailed letter and report, they continue to report inaccurate historical data since XX/XX/2019 even after given clear historical numbers and violations of my civil rights.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.
Product: Checking or savings account

I contact my capital one regarding a negative balance of {$3000.00} dollars back in XXXX regarding fraudulent activity. The bank told me since I gave the scammer my account information ( which I did not ) I am responsible for paying back my negative balancs
Product: Credit card or prepaid card

Hi, At the beginning of XXXX my XXXX XXXX XXXX bank, where all of my savings are held, was compromised. As a security precaution, XXXX XXXX, froze my funds and created all new bank accounts. This process started XXXX XXXX and my funds were released XXXX XXXX. 

During this time, my American Express account came due on XXXX XXXX, but because my funds were frozen I was unable to pay. As soon as my funds were unfrozen I paid my account in full on XXXX XXXX. 

Because of this two day delay, American Express charged me interest of {$220.00}, XXXX on XXXX XXXX and XXXX on XXXX XXXX. When I contacted American Express in XXXX XXXX to explain the situation along with mentioning that I 've always paid my bill in full since opening the account in XXXX, American Express stated they could n't refund my interest charges. 

I 'm writing to the CFPB in an attempt to get these charges reverse, understanding that if I had access to my funds I would have paid the amount in full. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Can not login to any apps that allow me to track my subscriptions because TD bank does n't allow 3rd party apps such as XXXX.
Product: Mortgage

I received a payout from my title company due to an ongoing legal issue. I am not in agreement with the amount of the payout and have not accepted their offer. The money was being held in a suspense account until a final agreement was reached. My mortgage was with XXXX XXXX which changed their name to XXXX XXXX. They held the money for me until my mortgage was sold to Wells Fargo. When this happened the money was applied without my knowledge. I called and had it backed out numerous times. Finally they have applied the money and won't back it out, against my wishes. I have contacted the multiple times since they took over my mortgage. Most recent contact information follows : XX/XX/19 - I spoke with XXXX XXXX - she suggested that they send me a check for the amount so I could hold it until an agreement was reached. No check ever came. 

XX/XX/19 - XXXX XXXX - following up on check to see why it isn't being processed. 

XX/XX/19 - XXXX XXXX - opened a case in the XXXX XXXX to try and help me. 

XX/XX/19 - XXXX XXXX - will research the issue and get back to me. 

XX/XX/19 - I left message for XXXX XXXX following up. No response. 

XX/XX/19 - I received a letter from XXXX XXXX - saying my issued had been researched and there is nothing that can be done. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I spoke with XXXX XXXX and requested to speak to a manager. I was told that XXXX XXXX would call me back in 24 hours. No response. 

XX/XX/19 - I spoke with XXXX XXXX regarding the lack of response from XXXX XXXX and was told he is out on PTO and there is nothing they can do to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is profiting by allowing an illegitimate collection agent to report inaccurate information on my credit report. Despite numerous complaints and disputes, Trans Union continues to allow XXXX XXXX XXXX to report account # XXXX on my credit report. I have already sent documents to Trans Union to show them that XXXX is a fraudulent collection agent, currently under investigation by the Securities Exchange Commission. I have also informed them that this collection agent has no permit to operate as a collection agent in the state of NC. I have also informed them that XXXX did not supply a notice of right to dispute prior to reporting this account on my credit report. And finally, I have informed Trans Union that the balance that XXXX is attempting to collect is bogus. Despite all of this information, Trans Union continues to allow this fraudulent collection agency to continue to report information on my credit file.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened on XX/XX/XXXX with XXXX XXXXAnother credit card with XXXX XXXX account opened on XX/XX/XXXX. A third credit card with XXXXXXXX XXXX account XXXX on XX/XX/XXXX. A fourth credit card with XXXX XXXX account XXXX on XX/XX/XXXX. XXXX XXXX  credit card opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) credit card opened on XX/XX/XXXX. XXXX XXXX XXXX  credit card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXX charge card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXX. XXXX charge card opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / XXXX / {$0.00}