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

Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXXXXXX XXXX is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. Experian should know better. 

Per Experians own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.
Product: Credit card

I contacted Synchrony about my Ashley Homestore credit card. 
I had a promotional purchase that waived interest if paid in full by a certain date. I paid the remainder of what the bill said to pay, around {$750.00} in XXXX. My account then had fees added and when i called XX/XX/2023 they told me that i still had {$1.00} left on my promotional amount. I told them i paid it in full. They said that because i didnt CALL THEM to tell them how to allocate that payment that it didnt go fully to the promotional amount ( may have gone in part to a late fee from a prior month ). By not paying the {$1.00}, i was charged {$750.00}. 
I ended up settling for {$300.00} but its ridiculous that they added so much to a bill that essentially had a dollar left on it
Product: Debt collection

On XX/XX/2021 at around XXXX in the morning First Texas Auto Credit illegally repossessed my vehicle from me when the vehicle is fully paid for!!! I sent First Texas Auto Credit a affidavit of truth citing the law and they repossessed my vehicle. 
Again I will state everything all the violation that First Texas Auto Credit has made ... ... 15 usc1692i States - any debt collector Who brings any legal action on a debt against a consumers shall - ( 1 ) In The case of action to enforce an interest in real property securing the consumers obligation, brings such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in case of an action not described in paragraph ( 1 ) Bring such action only to judicial district or similar legal entity- ( A ) in which such consumer signed the contract sued upon or in which says consumer resides at the commencement of the action. ( b ) nothing in this sub chapter shall be construed to authorize the bringing of legal action by debt collectors .... 1692h ... defined Payment in commerce is defined as the performance of duty or Obligation or discharge of debt or liability Also 12 usc 411 it is also illegal for anyone outside the federal reserve board to use federal reserve notes ( FRNs ) they have been demanding FRN as a form of payment ( Art. 1, Sec 10, clause 1of Thr constitution. ) I made clear of the law and violations that First Texas Auto Credit has done with valid evidence and they have stolen my vehicle from me ... .. The consumer use with reference to a credit transaction characterize the transaction as one in which the party to whom credit is offered or extended is a natural person and the money property or services which the subject of the transaction are primarily for personal family or household purposes! Which I have Numerously made very clear to First Texas auto credit! My Vehicle had been fully paid for and this is fraud!!! 15 usc 1692g ( c ) The failure of a consumer to dispute the validity Of a debt under the section may not be constructed by any court as an omission of liability by the consumer!!! Next 28 USC 3002 consul for United States either you work directly DOJ or any applicable agency and if youre not with said agencies you are private as in every state Attorney General every debt collector attorney no one has a direct contract to collect obligations and services of the United States 18 USC 8!!!! I demand my vehicle back with the full title, my family have endures enough pain and suffering behind First Texas Auto Credit lack of professionalism and complete violation of the law! we wasnt even given 72 hrs to recover our personal belongings in the vehicle. All of this as cause great teams to us, in these trying time during the current pandemic. They have made matter worst for us with their lies and fraudulent activities.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN for allowing unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and these fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers XXXX and XXXX.
Product: Debt collection

I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act TEXAS XXXX XXXX credit card account, TEXAS XXXX XXXX mortgage account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to 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. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " 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. ''
Product: Mortgage

My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.
Product: Credit reporting or other personal consumer reports

I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/XXXX I received an email from " Fortiva '' regarding a " Fortiva Account purchase notification '' with account number ending in " XXXX. '' Alarmed, I immediately called the company and got an automated voice -- as this was a fraudulent account I was unable to type any information that would lead me to a customer rep. I then went online and emailed the company using their email contact service about this fraudulent account and requested that it be closed. On XX/XX/XXXX I received an alert from XXXX regarding an a new account -- I then saw that Fortiva had been added to my credit report with an outstanding balance of {$640.00} with a total for {$4000.00} and that this company had also done a hard inquiry on my account along with XXXX XXXX  -- both on XX/XX/XXXX. Both of these inquiries were the result of fraud. I would like help in closing this fraudulent account and removing it from my credit report. Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a purchase {$65.00} using my cash app card on the XXXX jewelry website. I talk to XXXX. XXXX said they received their money on XX/XX/2023 well on XX/XX/XXXX of 2023. I had {$67.00} in my cash app account as XXXX looking at my cash app account it all of a sudden goes from {$67.00} to XXXX dollar so I contact cash app cash app first tries to tell me that the merchant waited almost 30 days to complete the transaction and withdraw the money out of the account, when I told cash app that that was not the case because I had already spoken to the merchant and the merchant had gotten their money on XX/XX/XXXX cash app, then tells me due to a can technical issue that there was more money in my account the one that shouldve been so they took the money out of my account and if you go back and you look at my activities on my account it still saying that the money was deducted out on XX/XX/XXXX they said that was not the case that there was more money in my account this whole time then what I thought. Well, if that was the case during that period of time, I would not have had XXXX dollar charges in my account that were refused because there wasnt any money in my account, if there was more money in there than what I thought, then why was charges denied Ive got transcript and everything that cash app has told me when they first told me that it was the merchant who did not charge my account until the XXXX of XX/XX/2023. Also I have in there proof of what they told me it was it a technical issue that the XXXX had already been paid? Ive also got proof well talk to XXXX and they have received their money and now cash app has taken that money out of my account two different times but theres no record of them taking it out of my account yesterday, except for the correspondence between me and cash app customer service representative, they said also to begin with that they withdrew the money and due to a technical issue they put the money back in my account. Theres no record of them putting the money back in my account and or around the date of XX/XX/XXXX through XX/XX/XXXX and they refused to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully taking this measure due to Navy Federal Credit Union not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored. 

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to Navy FederaXXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local Navy Federal Credit Union branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX ; CitiBank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Prepaid card

I received a {$10.00} google play gift card in XXXX. Card # XXXX The card PIN was damaged when scratching off due to poor workmanship. I contacted CFPB after google failed to replace the card. The balance was added to my google play account rather than just replacing the card as I'd preferred. Now about 18 months later, when I went to use it today the balance now has disappeared. In California, gift cards do not expire. Also this wasn't a promotional credit rather a purchased gift card. Due to all the headaches and failures on google play 's part, at this point I just want the {$10.00} refunded to me in the form of a check. Please mail the {$10.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Our home mortgage was with XXXX when I experienced a job loss due to COVID19 Pandemic. At that time XXXX approved our forbearance status beginning in XX/XX/year>. When our mortgage was acquired from XXXX by Roundpoint Mortgage Servicing LLC, Roundpoint reported our mortgage to the Credit Bureaus as being over XXXX delinquent - even though we were in an authorized forbearance program. With that erroneous report, my credit score dropped from XXXX to under XXXX. I have contacted Roundpoint multiple times asking them to correct THEIR mistake and report to the Credit Bureaus that the delinquent report they they sent was not accurate. The customer service team members at Roundpoint agreed that Roundpoint should not have reported us as being delinquent, made notes on our account, and sent a request with notes to the authorized department to fix the mistake. After " elevating '' the request multiple times, Roundpoint has yet to take responsibility for their mistake and make corrective actions- including reporting to the Credit Bureaus that they mistakenly reported us as delinquent. The result of this mistake and lack of action to correct it has decreased my borrowing ability and substantially increased my cost to borrow money. I am filing this complaint with CFPB to have a public record of my grievance and to hopefully compel Roundpoint to do the right and ethical thing to correct their mistake and restore my credit and good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.
Product: Money transfer, virtual currency, or money service

I transferred {$60000.00} to Coinbase via same day wire transfer from my XXXX XXXX XXXX business account ( XXXX XXXX XXXX ; account # XXXX ) on XX/XX/2017 very early in the morning.
My bank approved the wire and it went through.
I received an email from Coinbase later after midnight central time stating that my wire transfer has been reversed to my bank due to a name mismatch. My bank account name did not match with my Coinbase account because the wire transfer was made from my business account.
The email from Coinbase states I should receive my funds bank in one business day.
I have not received my fund at this moment. I have tried to contact them but no success. They have no phone number to call, no chat service with humans, but only emails which they have not replied to since Wednesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Debt collection

Ford Motor Comp, XXXX, {$9500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Product: Credit reporting or other personal consumer reports

Identify theft  account  names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am not a 100 % sure. But if credit can only be reported for XXXX years, then time is up on this account it 's been XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Transunion honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX