23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX which was a digital code for a game I had to send the code through XXXX messaging I received a message saying the person did not make the purchase I thought they were just having second thoughts because I did not deliver the code right away So I double checked by sending them a message to see if they still wanted the code or they wanted a refund and they said they wanted the code So I sent the code and then after I sent the code they say their account is hacked and do not communicate with their account So I call XXXX and explain the whole situation and they end up releasing the money on PayPal to me So a couple of weeks go by and then I get an email from PayPal saying there was a dispute and so I call PayPal about the dispute and I explain what happened and they tell me to appeal the dispute and I did what they said I get the results of the appeal and I somehow loss and the reason was I have no protection for intangible items but under XXXX buyer protection the buyer had no protection to make a complaint on XXXX so the buyer went around XXXX and did it through their bank So I called Paypal the day I got the results and asked why I lost and I explained again what happened and he said he would allow me to appeal again So I called XXXX to let them know what was going on and they said let 's do a 3-way call with Paypal and then when we call PayPal the agent tells me I am not getting an appeal and I will not be getting credited back the XXXX dollars they charged me which is split up by XXXX for the item and XXXX for a chargeback fee So the buyer went around XXXX by going to their bank and I am having to pay for the buyer 's mistake
Product: Credit card

I have sent Capital One several letters but they have not replied to any of them. This is NOT my account! XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX. I recently put a fraud alert on my credit file. 

These are NOT my accounts. I feel that my ex- husband ( XXXX XXXX ) used my personal information to obtain money, credit, goods, loans, services, etc. He also shares my information with his current wife, XXXX XXXX. Please have XXXX REMOVE this account & their Tradeline from all XXXX major credit bureaus. Thanks you for helping me with these issues. This has been very stressing.
Product: Checking or savings account

Identify theft social security XXXX some ones stealing from my accounts from the usbank department.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A.States I have the right privacy 15U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instrctions
Product: Credit reporting or other personal consumer reports

I recently went over my credit report and noticed several entries on my credit report, which reflect closed, charged-off accounts with statements such as " Debt has been canceled by credit grantor. '' Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I have identified significant inaccuracies across multiple entries, including mismatched or incorrect dates for account opening, closing, and last activity. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, in some cases, raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Under my rights pursuant to the FCRA, I request that you : Conduct an immediate investigation into these accounts and provide written confirmation of their accuracy, including validation of all reported information. 

Correct any inaccuracies, including but not limited to : Consistent and accurate opening and closing dates. 
Consistent and accurate dates of last activity. 
Remove any unverifiable or inaccurately reported information from my credit report. 


Under my rights pursuant to the FDCPA, I request that you : If these accounts have been transferred to a third-party collection agency, I request validation of these debts under the FDCPA. Please provide : Documentation confirming that each debt was validly charged off and canceled by the original creditor. 
Clear information regarding the current status of these accounts. 

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

I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.
Product: Credit card

Fraud attempt to process a credit card in my name through Wells Fargo Bank. I have notified Wells Fargo as it was fraud. My credit is frozen so application should be declined. I wanted to report my information is stolen likely due to XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in the recent Equifax security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. Equifax ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of Equifax. This is seriously embarrassing and needs to be resolved.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX in XXXX. I have had this vehicle for six years and the vehicle is in my possession presently. The payments have been {$480.00} per month. I have experienced financial hardships on and off over the course of the loan and particularly during Covid pandemic. However, I have continued to adhere to agreements when the lender would give me time to make a payment. They would defer payments to the end of the loan. The statements that I received did not seem to be accurate or up to date and were confusing. Then I stopped receiving statements in approximately XX/XX/XXXX. As of XX/XX/XXXX a credit report shows that I only owe {$14000.00} I have continued to send payments of what I could and the last payment that I made was {$600.00} in XXXX. I have been unemployed since Covid in XXXX when I lost my job but I made payments on and off less then the actual payment amount which caused late fees. My daughter was helping me as much as she could. The lender seemed to charge off the account in XX/XX/XXXX which I don't understand because my account remained open and I was still sending payments as early as XX/XX/XXXX and continue to send payments. I had received several default notices between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to send payments during all this time at least between {$100.00} to {$600.00}. I have called XXXX XXXX many times to get help so I would not lose the vehicle because I really do not want to lose this vehicle which I have invested so many years in. I just did not get effective communication with customer service or to speak with anyone in authority and always having to explain everything over and over to customer service and would be told even though I was sending payments that the car could be repossessed at any time. This is a very stressful way to live and I have been making payments and I am just thankful that I still have my vehicle. I keep the vehicle insured and registered.
Product: Credit reporting or other personal consumer reports

Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

You can sued for {$1200.00} when my initial debt was XXXX XXXX
Product: Credit reporting or other personal consumer reports

Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( Experian and XXXX ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.
Product: Payday loan, title loan, or personal loan

Around the time i opened the credit card, i was making payments on time but i lost my job. And they closed the account put interest on it and sent it to collections. I has become a hardship for me because i cant get anything approved even apartments. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have tried contacting title max in XXXX Delaware and they are nasty people!! I wasnt even a month late on my payment they called and XXXX me telling me my car was on the look out for their third party towing company this company needs to be shut down! They arent willing to work with me for a payment plan! The interest rates are out of control! Im not getting into detail not knowing if Ill ever be contacted!!! I also want my payments on hold UNTIL THIS IS RESOLVED WHICH MEANS THEY CANT COME TAKE MY CAR
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! While analyzing my credit report, I noticed fraudulent accounts on my credit report. I got in touch with my cousin, who is an attorney and is familiar with credit law. So I filed an Identity theft Report. Please help me in this situation because I am in the process of purchasing my first lease property and I plan on closing in about two weeks so I want this process to be swift so I can move on with my life. Thank You for understanding.
Product: Payday loan, title loan, or personal loan

I was looking at my credit report and i came across Money lion on my credit report and i never open this account or never talk to this company before but it's on my credit report as XXXX to XXXX days late this is not my account never heard of this account before therefore i ask that this account be remove from my credit file again anyone could of open this account in my name without my consent and use my information and which they did i ask that this account be remove from my credit because i never open this account at all.
Product: Vehicle loan or lease

I, XXXX XXXX am a natural person & a consumer. 

I obtained a vehicle from this company & they did not give me full disclosure as far as my right to rescind. In the contract it mentions something about rescission but not completely. I did not receive any rescission forms, and the rescission section was not clear and conspicuous. My rights were not explained to me at all. Its been 2 months since Ive obtained the vehicle & still no notice of rescission. I have written them a letter stating my right to rescind on XX/XX/2021. I received my green notice of receipt on XX/XX/2021 with no signature or date stamp. I received another one that they have hand written on XX/XX/2021 stating that they have received it on XX/XX/2021. They have also violated the finance charge law by taking my cash from a trade in and using it as down payment. Insurance was also not included in this transaction when the law clearly states that insurance is supposed to be included in the finance charge. They have let me know that theyve received the letters, but they ignore it and sent me another bill stating that Ill be in default and could possibly lose my vehicle if I dont make the payment. This has caused me a great amount of stress, I cant sleep through the night because I feel like theyre gon na come and take my car in the middle of the night. This is also a violation of the FDCPA. I fear that they are gon na try and take advantage of me and just ignore my rights like they did at the signing.
Product: Credit reporting or other personal consumer reports

This is really worrying, it has kept me up many nights due to anxiety wondering how this could have happened. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized or applied to them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit card or prepaid card

On XX/XX/2022, I reported numerous fraud charges on my business credit card. I was informed by Bank of America ( BofA ) representative XXXX that I was not responsible for fraud charges and my credit card would be credited. Attaching recorded conversation with permission. 

I was informed that the charges would not be credited because BofA indicated that their investigation revealed inconsistant details. BofA was not specific and it made no sense what that means. 

I recieved my statement still showing the fraud charges. 

On XX/XX/2022, I spoke with XXXX, in XXXX, AZ, business card fraud department, that the investigation was still ongoing and that I was not responsible for fraud charges and my credit card would be credited. 

In speaking with XXXX she indicated that if you had ever done business with any of the companies at anytime in your life that were reported fraudulent, even though the fraud was committed by a suspect or criminal without permission to use the credit card, you are held responsible. I informed XXXX that I had never done business with any of the companies. She stated that the fraud would be credited. This shows how incompetent and racially discriminating BofA is toward XXXX 's and XXXX senior citizens. Not able to attach recorded conversation with permission because it's to large.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/XXXX I arranged a meeting with XXXX XXXX from XXXX XXXX XXXX in order to see a house that I was interested in renting, the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA. 

When Mr. XXXX showed me the house, he told me that for the application process they have a broker that checks credit with a soft pull ( like any other free credit report service ), meaning it wouldn't hurt my credit score. But then after I applied, the owner from the property, without my consent ( supposedly to dig deeper into my report according to XXXX XXXX ), pulled a hard inquiry on my credit using my SSN without my consent. 

Hence, I have now an unauthorized hard inquiry on my credit report. Since it was an unauthorized hard pull, I'd like to get it removed from my credit report, which is the fair thing to ask in this case. 

I have screenshots of the conversations I had with the real estate agent who was working on the property, and he confirms that that hard pull was unexpected ( not informed to him as well ) and done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires were added to my credit report from companies I don't have an account with. 

XX/XX/XXXX - XXXX - No action taken. No account was created. 
XX/XX/XXXX- XXXX XXXX No action taken. Company verified that no account was created XX/XX/XXXX- XXXX XXXX No action provided by company. Verified no account was created.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( XXXX, XXXX, and Experian ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.
Product: Debt collection

I pulled my credit report on XX/XX/23 due to a XXXX point decrease in my FICO. I learned there was a collection placed for {$2000.00} from a collection agency XXXX XXXX XXXX in XXXX, Ga who purchased the debt from CASHNET USA. 
I tried to dispute it the same day and XXXX sent a finished investigation today stating its accurate. 
I contacted XXXX XXXX and XXXX XXXX sent me the original application but it doesnt have the actual checking account number listed, a signature not drivers license listed. They sent the IP came from XXXX Tx which Ive never resided. Ive put a fraud alert on my account for a year and froze my account. 
This person used my previous apartment address with my old employers phone number from 12 years ago for contact info. Also, the email they used was XXXX which isnt mine. It looks like the original payday loan was for {$800.00} and the interest has accrued to now {$2000.00}. 
I feel like Im going in circles trying to access the original application. I also filed a identity theft report. Im not going to file a police report today as well.
Product: Mortgage

My mortgage servicer was transferred to Seterus from XXXX. XXXX transferred the loan with an error of an outstanding balance that was refunded to XXXX from a tax authority. XXXX corrected their mistake 4 months after the loan was transferred to Seterus. The balance was wired from XXXX to Seterus. Seterus has misapplied payments and I supplied them with a transaction report and letter from XXXX stating when they wired the funds to Seterus. They still have not correct their mistake and refuse to take my payments forcing the home in foreclosure. I have to call every week to dispute the action and they keep postponing a foreclosure. They are trying to take my home for an error they are refusing to correct. I need help or please direct me to who I can file a lawsuit against Seterus to keep my home and asset.