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

My complaint does not seem to fit within the prescribed fields I Demand THIS CREDIT INQUIRY BE REMOVED FROM MY CREDIT REPORT because the mortgage broker did not follow through on my mortgage application after securing my credit report.I am enclosing the last email I received from the broker XXXX XXXX All my voice messages text 's sent to her were unanswered since ... ... .Quite frankly I do not feel I should have to bear the the brunt of a credit inquiry because this broker who is not acting within her capacities ... ... ... that of a NYS Licensed Mortgage Broker I can provide my follow-up calls and and text messages upon request.Once again my credit has been affected as a result of this and I had to have another inquiry done by XXXX XXXX  on XX/XX/29.
Product: Bank account or service

I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}! 
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX OF XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

Paid full balance of expiring balance transfer, but Citi Bank applied the balance to balance transfer expiring next year. then they change full interest on expired balance. Also, No way to pay balance to the near expiring balance offer. Even if we pay full balance on due date, still they change interest on mid billing cycle balance transfers offer.
Product: Credit card or prepaid card

XX/XX/XXXX, annual fee of {$95.00} was charged on my capital one venture card. I owe {$0.00} dollar other than the annual fee charge. I called on XX/XX/XXXX to ask for cancellation of the card and the fee. The company would not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among Equifax, XXXX and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Product: Credit card

I was told by 2 different representatives that I would be getting an email to select where my credit balance refund is going to go prior to Chase mailing a paper check. I noticed my account had already deducted the credit balance refund from my account and I never got an email to elect my electronic credit balance refund. I then spoke with a supervisor and they told me that Chase is moving providers on who sends those emails and arent even sending them out right now and only doing paper checks. I was lied to by 2 customer service agents and was given false hope that I would be allowed an electronic credit balance refund but then a paper check was mailed anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, at approximately XXXXXXXX XXXX, a car did a U-turn and wrecked into my XXXX XXXX XXXX XXXX as I was driving to work. I called XXXX and reported the accident. A police officer came to the scene and gave the other party a ticket. I reported this incident to my insurance provider, XXXX. The other driver was determined to be at fault for the accident. I took my XXXX to get inspected and it was determined that it was a total loss and unsafe to drive. I received a payoff amount from my insurance totaling the amount of {$10000.00}, what was determined to be the amount that my car was worth. My payoff amount on my financed XXXX to Toyota Financial Services was {$11000.00}. After the {$10000.00} was applied to my loan, I still owed {$710.00} on the loan, according to an email I received from my insurance provider. I continued to pay off the rest of the loan on time every month, with monthly payments of approximately {$220.00}. On XX/XX/XXXX, I paid the payoff amount of {$71.00}, as was stated on my Toyota Financial Services account. I also called them the same day to ask how to pay the payoff amount. On my credit report, my last payment is said to have been made on XX/XX/XXXX. This is inaccurate, as I did not have anymore payments after my payoff amount of {$71.00} was paid on the scheduled payment date of XX/XX/XXXX. XXXX XXXX XXXX, the creditor, is stating that my account is in a derogatory status because I made my payment after it went into collections. I paid the last payment on time before the account was closed and went into collections on XX/XX/XXXX, as shown in my bank statements and through emails that I received from Toyota Financial Services. I have sent numerous credit disputes to each of the major credit bureaus known as XXXX, XXXX, and XXXX, and none of the information has been corrected. I also sent a dispute letter to Toyota Motor Credit CorpXXXX on XX/XX/XXXX of XXXX and never received a reply from them regarding my account and credit, however, they did change the remarks on the accounts to " Customer disagrees ''. I have also called Toyota Financial services multiple times, and asked for a detailed report to be sent to my address because their website never displayed the payments with dates provided on my account. I never got the report with my account information on it sent to my address. 
Each report from the major credit bureaus says something different. I have written what they say below regarding my account associated with the creditor : My last payment was made on XX/XX/XXXX and was posted on XX/XX/XXXX. My XXXX credit report remarks state : Payment after charge off/collections. It also states that my last payment was made on XX/XX/XXXX. 
My XXXX report states that my account associated with Toyota Motor Credit Corp is Paid and Closed. This report is stating that my last payment was made on XX/XX/XXXX. 
My XXXX report states that my account has been ; Paid, was a charge-off.
Product: Credit card

I am writing to formally request assistance with an ongoing issue regarding my Discover Card account, which has been negatively impacting my credit for several years. The account in question involves {$2900.00} in fraudulent charges resulting from identity theft. My credit card, along with my vehicle and other belongings, was stolen in XXXX, Missouri. I live in XXXX  XXXX, Missouri, and filed a report with the Federal Trade Commission ( FTC ) about this theft, providing all necessary documentation and evidence. Despite these efforts, Discover Card has consistently failed to conduct a thorough investigation into the matter, leaving the fraudulent charges on my account and harming my XXXX XXXX. 

I have made multiple attempts over the past few years to resolve this issue with Discover Card by disputing the charges and requesting investigations. Unfortunately, each time, I receive the same unsatisfactory outcome, and it seems no real effort is being made to investigate my claims. I was a loyal customer in good standing before this incident, and it is frustrating to see my XXXX XXXX suffer due to an issue beyond my control. 

Additionally, I have an open claim with XXXX regarding the theft of my vehicle and personal items, including my credit card. If this claim is resolved, it XXXX help identify the individual responsible for the fraudulent charges in XXXX. However, in the meantime, it is unreasonable for Discover Card to continue reporting these charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA laws Section 609 the consumer agencies have 30 days to verify the validity of this account failure to do so have resulted in a complaint with consumer finance. According to Section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. Continuing to report this account has hurt my credit and I ask it be removed immediately.
Product: Debt collection

To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. 

I have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. 

This is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. 

XXXX, XXXX
Product: Checking or savings account

On XX/XX/22 I reported unauthorized transactions all from the same merchant ( XXXX ), which I have never done business before, in the amount of over {$10000.00}! I was given ( 2 ) fraud claim ID numbers. One of the claims was for {$8600.00} and the second claim was for {$1400.00}. Not sure why they separated the transactions because they were all reported at the same time. 7 days later they resolved, closed, and reimbursed me for the claim of {$1400.00}. On the XXXX day the resolved, closed, and said unable to pay the claim for {$8600.00}. Saying I authorized the charges. This is totally ridiculous, and been trying to get an agent on the phone for a explanation and to file an appeal. I have had no luck!
Product: Checking or savings account

XXXX XXXX  known as cash app. The XXXX number was fake I couldnt talk to a live agent and there were things going on with my account and my information was stolen. My funds were also taken out of my account
Product: Debt collection

In XXXX of XXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from Jefferson Capital Systems of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
XXXX XXXX XXXX XXXX. sent me a pretrial form Over a Jefferson Capital Systems again debt of XXXX XXXX. 
XXXX XXXX XXXX XXXX. firm sent XXXX XXXX XXXX XXXX from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
XXXX XXXX XXXX, XXXX XXXXXXXX. collections for Jefferson Capital Systems closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to Jefferson Capital Systems. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because XXXX XXXX XXXX says I owe this debt. 
I produced a collection form from XXXX XXXX  for Jefferson Cap.Systems from XXXX my credit reports whoing the account closed written off in XXXX Jefferson Capital Systems removed themselves from creit reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXX # XXXX XXXX XXXX XXXX XXXX after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXX should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX XXXXXXXX XXXX Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

After making several calls to Experian explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
Product: Credit reporting or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX XXXX XXXX
Product: Mortgage

Roundpoint Mortgage is undoubtedly prolonging my PMI termination request by three extra months as they supposedly conduct an investigation to my original request to them for termination. This appears to me again as an attempt to unjustifiably collect as much profit from a responsible mortgage payer as myself who has never been late or defaulted on any mortgage payments in over 20 years of home ownership with a XXXX plus credit score and a home that well surpasses the original 80 % LTV in todays market for this area
Product: Debt collection

XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Amount Owed {$2400.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date XXXX Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date XXXX Closed Date XXXX Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect
Product: Debt collection

I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was sent a fraudulent check ( {$1300.00} ) as payment for furniture I was selling during my relocation process for a new job. Using the online check deposit system for Bank of America through their mobile app, I cashed the check and the full amount of the check was deposited into my checking account. Note that there was no disclaimer or information conveyed to me the customer that the amount deposited to my account was NOT final and could be subject to being clawed back if the fund transfer didn't clear in the next couple of business days. Given that the funds were immediately available to use in my account, and there was no disclaimer that the funds weren't guaranteed until the checks cleared behind the scenes, I was lulled into a false sense of security and paid " movers '' ( fake entity as part of a scam ) using XXXX from the balance of the check above the value of my furniture. The next day, XX/XX/2021, I was sent another fraudulent check ( {$2600.00} ) from the same party for another transaction in which I then paid " movers '' unsuspectingly because of the lack of disclaimers and information conveyed by Bank of America about the way they process checks. The next day, Bank of America pulls the balance of the first check back out of my account because they discovered it was fraudulent when processing it. The following day, I called customer service to figure out what is going to happen to the balance of the second check since it hadn't been clawed back in the same timeframe that the first one did. I also let them know about the scam situation/fraud, and they told me that, if the second check hadn't been clawed back at the same time as the first, then it wasn't going to be taken out of my account. They then close that account after I transferred the account balance to a new account with XXXX bank. They later reopen the account because they overdrew it when clawing back the balance from the second fraudulent check and are threatening collections if the account balance isn't brought back to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in the unauthorized use of my personal information. As such, I am requesting the immediate blocking and deletion of the accounts listed below from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to the removal of fraudulent information resulting from identity theft. 
The following accounts have been identified as fraudulent : 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 filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXX XXXX XXXX XXXX. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Customer Service : XXXX Fax : XXXX The above has had my wages garnished at the rate of 25 % of gross. My wages are EXEMPT from garnishment due to the fact that my family and I receive public assistance. I have emailed the above several times explaining this. I have sent a certified mail cease and desist letter as well. My employer will not stop the garnishment until they receive notification from the above-listed. The local courthouse also has no knowledge of this action. Currently the above has received over {$2300.00} from my paychecks. I'm the only income of a household of XXXX. All I ask for is the immediate stop on the garnishment and a refund of all funds they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a chapter XXXX # bankruptcy on my credit report, I've sent them a letter from the courthouse where they say the information was stored and located at, and the court said that they don't have any record of this bankruptcy, and the court said that they did not verify this information with Equifax or any other 3rd parties, also Equifax sent me a letter saying they verified this information threw another 3rd party company called XXXX, I also have a copy of a letter from XXXX showing I've got a security Freeze on my XXXX credit report, so it's impossible for Equifax to verify this information from them, plus it's against the Law for them to report information from 3rd parties, unless they have singed documents with my signature on it, by law they must delete this item.The other 2 credit Bureaus noticed the mistake, and removed this item, only Equifax refuse to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion andXX/XX/XXXX showing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023