23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your statement is false and I encourage you to educate yourself on consumer laws as it relates to finance charges so that you are not taken advantage of in the future regarding associated fees. Your statement is completely false and I will continue to escalate until my concerns are addressed. Congress clearly outlines the laws as it relates to finance charges there are no exceptions when it comes to down payments. 15 U.S. Code 1605 clearly outlines how finance charges are calculated and should be adhered too. Fortunately, your known policies and procedures do not overrule federal law. 

( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : As you can see above there are no exceptions and/or in the law. The law simply states that finance charge should not include any comparable cash transaction which was the down payment. 

Based on my legal binding document that Mid-Atlantic sent to me you assumed this agreement, therefore, you are just as responsible as XXXX XXXX XXXX in the illegal activity that transpired during this consumer transaction. I am requesting as a consumer that you either facilitate the reimbursement of said fees, reimburse me directly and receive reimbursement from your client ( XXXX XXXX XXXX ) or I will continue the Attorney General who may have a better understanding of the law. I have attached a copy of your prior response as a refresher.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT. CAPITAL ONE IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST CAPITAL ONE.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I was contacted by XXXXXXXX XXXX IC Systems of an overdue XXXX XXXX  balance of {$4400.00}. 
The account was opened on XX/XX/year> XXXX XXXX XXXXXXXX XXXX This is the time when my Identity was stolen. I explained this during the call that this was fraud and not mine. 
I've never had XXXX XXXX or tried to open an account and Live in NC and have not been to Minnesota. There are multiple credit inquiry 's on my report as well from this time frame.
Product: Credit reporting or other personal consumer reports

I am disputing a charge-off related to an account that was opened in my name by XXXX XXXX XXXX XXXX While I was aware of this account, I did not authorize or personally open it. The account was created without my consent, and I believe it was done fraudulently.
Product: Credit reporting or other personal consumer reports

INCORRECT INQUIRIES FOUND ON MY REPORT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I received an email from XXXX XXXX that an credit inquiry had been made to Equifax and was now on my personal credit report. The inquiry was from XXXX XXXX XXXX XXXX, XXXX, XXXX TX XXXX. 

The above mentioned inquiry is fraudulent and unauthorized. I am not an XXXX XXXX XXXX customer, nor have I authorized any inquiries into my credit history for them, nor am I or have I recently contact XXXX XXXX XXXX for any of their products or services. I reported this as a dispute to XXXX XXXX on Sunday. 

On Monday, XX/XX/XXXX I also contacted a customer service number for XXXX XXXX XXXX to gain more insight. Their representative could not help me nor could they locate any trace of an inquiry or service or product associated with my name, in their system. 

On Monday evening, XX/XX/XXXX, I received a follow up email from XXXX XXXX that they reviewed my dispute. However, their response was not at all helpful or conclusive. It read : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX. 

At this time, I am asking for the Federal Trade Commission to please review this dispute and consider deeming it as fraudulent so that it may be removed permanently from my credit report without further adverse impact. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate Personal Information on my consumer reports. Please see attached.
Product: Credit reporting or other personal consumer reports

1. Improper Repossession : XXXX failed to follow the legal requirements for repossession. I did not receive proper notice of my right to cure the default before the vehicle was repossessed. Additionally, after repossession, I did not receive notification regarding the sale of the vehicle, including any opportunity for me to redeem the vehicle or reclaim it, as required by law. There is also no evidence that the sale was conducted in a commercially reasonable manner. 
2. Inaccurate Credit Reporting : XXXX has continued to inaccurately report the repossession on my credit report. This is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be reported with maximum accuracy. The details regarding the repossession and any balances are incorrect, and I believe XXXX is reporting these without proper verification.
Product: Mortgage

Pursuant to Florida statute 28.222, the clerk of the circuit is the recorder of all instruments that may be required or authorize by law to record. Florida Statute 695.26 ( XXXX ), outlines the legal requirements for recording instruments affecting real property " NO INSTRUMENT BY WHICH THE TITLE TO REAL PROPERTY OR ANY INTEREST THEREIN IS CONVEYED, ASSIGNED, ENCUMBERED, OR OTHERWISE DISPOSED OF SHALL BE RECORDED BY THE CLERK OF THE CIRCUIT COURT UNLESS : ( D ) THE NAME OF ANY NOTARY PUBLIC OR OTHER OFFICER AUTHORIZE TO TAKE ACKNOWLEDGMENT OR PROOFS WHOSE SIGNATURE APPEARS UPON THE INSTRUMENT IS LEGIBLY PRINTED, TYPEWRITTEN, OR STAMPED UPON SUCH INSTRUMENT IMMEDIATELY BENEATH THE SIGNATURE OF SUCH NOTARY PUBLIC OR OTHER OFFICER AUTHORIZED TO TAKE ACKNOWLEDGMENT OR PROOFS. 

Florida Statute 695.03XXXX " To entitle any instrument concerning real property to be recorded, the execution must be acknowledged by the party executing it, proved by a subscribing witness to it, or legalized or authenticated by civil-law notary or notary public who affixes her his official seal, before the officers and in the form and manner following : ( XXXX ) WITHIN THE STATE OF FLORIDA - '' AN ACKNOWLEDGMENT OR PROOF MADE WITHIN THE STATE MAY BE BEFORE A JUDGE, CLERK, OR DEPUTY CLERK OF ANY COURT, A UNITED STATES COMMISSIONER OR MAGISTRATE, OR NOTARY PUBLIC OR CIVIL -LAW NOTARY OF THIS STATE, AND THE CERTIFICATE OF ACKNOWLEDGMENT OR PROOF MUST BE UNDER THE SEAL OF THE COURT OR OFFICER, AS THE CASE MAY BE. ALL AFFIDAVITS AND ACKNOWLEDGMENTS HERETOFORE MADE OR TAKEN IN THIS MANNER ARE HEREBY VALIDATED. 

THE STATUTES ARE CLEAR... .IN THE STATE OF FLORIDA A VALID MORTGAGE FOR RECORDING MUST CONTAIN ACKNOWLEDGMENT FOR ALL SIGNATURES. A MORTGAGE NOT NOTARIZED OR LACKING ACKNOWLEDGMENT CAN NOT BE RECORDED OR ACCEPTED BY THE CLERK PURSUANT TO THE FLORIDA STATUTES. 

Mr Cooper and their legal counsel Choice Legal Group, P.A. HAVE ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX-XXXX XXXX XXXX XXXX OF THE CLERK OF COURTS. ON XX/XX/2020, THE LEGAL GROUP CAUSED TO ILLEGALLY RECORD THE INSTRUMENT DEEMED NOT VALID FOR RECORDING AT THE XXXX XXXX XXXX WHICH IS A CLEAR VIOLATION OF THE MENTIONED FLORIDA STATUTES XXXX 

THIS COMPLAINT SERVES AS PROOF IN THAT THE CONSUMER FINANCIAL PROTECTION BUREAU WERE GIVEN SUFFICIENT PROOF OF PUBLIC CORRUPTION AND PROOF THEREOF VIOLATION OF FLORIDA STATUTES : 28.222, 695.26, 695.03. THIS COMPLAINT SERVES AS PROOF THEREOF IN THAT THE CONSUMER FINANCIAL PROTECTION HAVE BEEN GIVEN CLEAR AND CONVINCING PROOF FRAUD, UNFAIR BUSINESS PRACTICES, AND PUBLIC CORRUPTION IN CONNECTION WITH THE ILEGAL RECORDING OF AN INSTRUMENT AFFECTING REAL ESTATE PROPERTY. ACTION IS HEREBY REQUESTED FROM THE CONSUMER FINANCIAL PROTECTION. LET SEE HOW MUCH INTEGRITY THE BIDEN ADMINISTRATION HAVE OVER PUBLIC CORRUPTION.
Product: Checking or savings account

My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 
2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. 

In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We applied for a mortgage modification and were approved for a XXXX modification, but the payments are much higher than the original payments. When we reviewed the modification offer with Greentree, who is the servicer, our gross income, which consists of only XXXX income from Social Security and my husband 's pension, was significantly higher than the actual gross. The servicer said they " gross up '' the income by adding 25 % of the non-taxable income to the actual gross income, which in our case was more than {$500.00} than we actually receive. My attorney reviewed the XXXX guidelines and the " gross up '' is in their Selling Guide, but not in their Servicing Guide. When we asked Greentree if they would provide a citation to the section or provide the actual documentation they refused and said they were not allowed to do this. This violates the XXXX guidelines because the modification is not 31 % of our gross income, but 31 % of a fictitious income.
Product: Checking or savings account

Discover bank reversed two deposits from XXXX XXXX, but my XXXX XXXX account does not receive them. I personally think this is Discover 's problem, because they can not provide enough evidence to prove that the transactions really exist. I called many times, and Discover 's representatives gave me inconstant reasons. I also contact the XXXX XXXX customer service, they can not see any reversed deposit in my account, and they insist that they do not request any reversal. If they do not request the reversal, that will be Discover 's issue. 

XX/XX/2020 Reversed ACH deposit from XXXX XXXX  {$40000.00} Reversed ACH deposit from XXXX XXXX  {$50000.00}
Product: Credit reporting

It is basically impossible to get a hold of someone at Transunion. The phone number on my credit report is just a loop, and all they want to do is sell you products. I need to tell them they are reporting judgments that are not mine, and I 'm currently paying too much for my mortgage due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
Product: Credit reporting or other personal consumer reports

THE METHOD OF VERIFICATION TO YOUR COMPANY, THIS LETTER MAKES IT CLEAR THAT I AM NOT DISPUTING ANY ACCOUNTS. 

THIS IS NOT A REINVESTIGATION OF THE ITEMS I DISPUTED IN MY PREVIOUS DISPUTE. DO NOT OPEN A REINVESTIGATION. I REPEAT, DO NOT OPEN A REINVESTIGATION ) ( I DO NOT AUTHORIZE NOR DO I WANT ANOTHER REINVESTIGATION ) ( I REFUSE ANOTHER REINVESTIGATION ) ( THIS IS NOT ANOTHER DISPUTE. I DO NOT WANT ANOTHER DISPUTE ) ( I NEED THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT LISTED THAT YOU SAID WERE UPDATED AND VERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I AM ALSO SEEKING FOR DAMAGES {$5000.00} FOR VIOLATING THE FCRA FOR NOT GIVING ME THE METHOD OF VERIFICATION.
Product: Money transfers

On XX/XX/2017 i saw an unauthorized transaction of XXXX on my credit card with the description " *PAYPAL ''. 
I instantly logged into my PayPal account and filed an " unauthorized claim '' for that transaction. 
On XX/XX/2017 PayPal told me through email that the transaction was unauthorized and refunded the total amount in my account ( not my card ). 
In the next days PayPal permanently limited my account ( too risky for them ) without give me the possibility to withdraw that money to my card. 
Why refund me if you do n't let me take my money back to the card? 

I called them and the phone guy told me that PayPal sometimes holds the money for 180 days to cover any chargeback or claim. 
I NEVER received a payment on my PayPal account, i created it only for online shopping. 
There are no incoming transaction and they know it. They can check my transaction history in 1 minute. 

At the moment they are holding my money for absolutely no reason. I CA N'T receive chargeback or claim because i simply have n't received payments. 
This is an abuse. I do n't care that my account is permanently limited, but let me withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent report dated XX/XX/XXXX with Experian shows multiple unauthorized inquires. Pursuant to U.S Code 1681b ( 2 ) - Permissible purposes the consumer agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following is a list of all unauthorized/unrecognized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have 2 hard inquiries from 2 companies that no longer has my account open I know because previously called them a week agoXXXX refused to remove these the accounts below SYNCB/PAYPAL XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX