23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My XXXX report showed that there was a hard inquiry on my credit 2 days ago, which I had not authorized. I called the creditor, CBNA, and they could n't give me any information on where or who this hard inquiry came from and when. She said that I needed to call the credit rating agency, XXXX. I called XXXX and they said that I could n't dispute the hard inquiry and needed to call CBNA again to get a letter of deletion. How can a bank make an inquiry which adversely affects me, and then not have any information on that inquiry? It is highly angering and frustrating.
Product: Checking or savings account

Bank of America cashed checks written by someone not listed on my account via the Bank of America App totaling {$8100.00}. These check should not have been cashed. 
I contacted Bank of America via the phone and in person with no resolution. I also submitted a claim with the Office of the Comptroller of the Currency.
Product: Credit card

Today I attempt to use the card for gas and it was declined. Then when I called the card company and had them on the line. A text came through about an {$150.00} purchase I did not make that text XXXX through when she also sent a text to confirm that it was me. I checked my profile and it still is indicating inaccurate information. After also calling again this morning at XXXX to get fee off. And I also made a payment of XXXX. Then this happened today at about XXXX. Please help this is a multi XXXX dollar company doing this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is posted that this account is open and it has been closed and charged off since XX/XX/2023. They are paying late payments and they sold the car after they repossess it XX/XX/2023 at XXXX. I want this account deleted bc its reporting inaccurate information. They will be in this lawsuit filed against them for reporting this inaccurate information. I have proof they closed this account and the last payment dates of XX/XX/2023 in the amount of XXXX that they sold the car for.
Product: Debt collection

I made several attempts to get Chrysler Capital to remove the message at issue, but they refused. They wouldn't say why they began taking such an aggressive approach toward paying customers. I believe that stating my loan is in debt collection is illegal, and making it difficult to utilize the free option to make payments is also illegal.
Product: Checking or savings account

I ordered a XXXX. XXXX XXXX  from XXXX XXXX, and paid the invoiced amount of {$11000.00}, paid by wire transfer from Bank of America XXXX XXXX XXXX  on XX/XX/year>2024. XX/XX/scrub>/2024 I received an email demanding an additional {$6500.00} to ensure delivery. I notified B of A on XXXX/XXXX/2024 about being a victim of a scam, I signed the " Scam Victim Acknowledgement '' XXXX on XX/XX/scrub>/2024 Claim Number XXXX and sent it to XXXX We received a letter stating that " the attempt to recover the funds was not successful, We now consider this inquiry closed ''
Product: Debt collection

Progressive Management Systems has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$3100.00} which is incorrect, I do not owe them anything. I explained to them that this was a medical bill with XXXX XXXX Hospital, and I was unaware that my insurance did not cover the payments. 
Progressive Management Systems told me that as long as I pay them {$3100.00}, they would immediately remove the inaccurate trade by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$3100.00} on the XX/XX/2020. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
Progressive Management Systems lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. This was all a lie just to take my money in which they took from my bank account on XX/XX/2020. 
XX/XX/2020 Progressive Mgmt XXXX XXXX TEL ID : XXXX {$3100.00} I would like Progressive Management Systems to immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Progressive Management Systems infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Progressive Management Systems and XXXX XXXX Hospital is having on my life.
Product: Payday loan, title loan, personal loan, or advance loan

My account was charged {$14.00} on XX/XX/XXXX. 

However my account was canceled from my communication with the text customer service chat during XXXX of XXXX. They do not have a customer service phone number. 

In addition to the {$14.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$12.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX {$14.00} - XX/XX/XXXX {$17.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX Prior to these charges, an advance on XX/XX/XXXX was paid to ( Albert ) on XX/XX/XXXX. 

I have requested an immediate re-cancellation of my Albert account, and the ceasing of charging my bank account. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid. 

- Albert customer service emailed me back, ignoring my request for itemized ledger to justify their charges. Then they proceeded to tell me that I could not cancel my account until I withdrawal money they took out of my account without my authorization, for their savings program. I did not authorize any of these transactions since XX/XX/XXXX. I would like to have my money refunded but these requests have been ignored as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have previously tried to correct this problem, never received money from this company have no idea who it is
Product: Debt collection

On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. 
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. 
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. 
That lead me to dig up all my papers and look into whats going on. 
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. 
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. 

I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.
Product: Debt collection

Equifax verified the debt with XXXX XXXX XXXX. as accurate and correct On XX/XX/23. I requested proof of verification per law 15USC 1681 iii. Equifax did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report I was shocked I have never had any dealings with XXXX and they have a crazy amount on my credit for {$2600.00} it is being reported by IC systems and it does not belong to me i ahve sent multiple letters disputing this over the course of 1 year and have never received any response back. PLease help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX I wrote to the credit agencies requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Payday loan, title loan, or personal loan

I took out a small loan on XXXX in the amount of XXXX $ from Minto money. In the paperwork there was never an interest rate or pay off amount. When I signed up the women in the phone said I would have a pay off amount of XXXX XXXX 3-4 days later I had to call back because they took the money on the wrong day and they had most of my information wrong. They never sent me over a new contract or anything with interest rate or pay off amount the only thing I was told is my pay off amount is XXXX XXXX Calling on XXXX they told me that my pay off amount is now XXXX $ and its going to go up everyday I have the loan out despite the fact I am making payments already and now they say I have a over 600 % interest which was never discussed with me and the paperwork online doesnt have my signature on and still wrong information I have given them {$880.00} but some how they say my pay off is still XXXX $ and going to continue going up every single day and if I dont pay the total is going to end up being over XXXX $
Product: Mortgage

On XX/XX/XXXX, we closed the sale of a condo located at in XXXX, AZ. Selene Finance is the servicer of the loan we had on the subject property. We never received a XXXX Form 1098 in order to file taxes. Since we paid off the loan, we were no longer able to log into the account to obtain the 1098 on our own. 

On XX/XX/XXXX, I contacted Selene and requested a copy of the 1098 be sent to me in order to prepare for taxes. I was advised it would take 7 days via email to receive it. I never received it. 

On XX/XX/XXXX, I contacted Selene again to advise I never received the 1098. I was advised it should take 3 business days to receive it by email and it will come encrypted. I never received it. 

On XX/XX/XXXX, I spoke with XXXX at Selene and advised since I did not receive the 1098 by email, please send it by regular mail. He confirmed the mailing address and advised it would be mailed within 3 business days. I never received it. 

On XX/XX/XXXX, I attempted to escalate the matter to a supervisor. I spoke with XXXX in customer service who advised her supervisor, XXXX, would call me by XXXX Eastern. I never received a call. 

I am not sure why it is so difficult to receive a copy of a 1098. But if I do not receive it, I will not be able to file my federal income taxes. This is a big problem. Since no one at Selene, not even a supervisor, seems to be able to assist me with what should be a simple task, I have no choice other than to escalate this to the CFPB.
Product: Checking or savings account

They post deposit dated for the day before then rearrange your spending where you were way negative the days before your deposit then they take it from your new deposit
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Drivers License for identification/address purposes, SS card and a copy of your inaccurate credit report to this complaint.
Product: Credit reporting or other personal consumer reports

I was issued a Total and Permanent Discharge by the Department of Education on XXXX. When trying to get the 3 credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute back in may of this year. My US BKPT CT TN XXXXXXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called to cancel my services with XXXX XXXX XXXX. I received a confirmation email that my membership was to be cancelled and I will no longer get billed for the services in the amount of XXXX On XX/XX/XXXX I  noticed that I was charged again for services in the amount of XXXX. I called XXXX XXXX XXXX and the rep apologized and cancelled my membership again. I received another email with the membership cancellation. On XX/XX/XXXX I received a refund for XXXX. Since then I have still been getting alerts from XXXX. This morning I logged into the account and I see they have a payment scheduled to charge me again on XX/XX/XXXX in the amount of XXXX.
Product: Student loan

I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account XXXX XXXX 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 states a consumer can not furnish an account without my written instruction
Product: Debt collection

Credit associates of Hawaii sent me a collection of {$380.00} for Hawaii XXXX XXXX. They sent a collection letter naming myself and my emergency contact from my storage application. I called Credit associates of Hawaii demanding that my emergency contact be removed from correspondence, and that they furnish proof of the debt, as I had already received a letter from the storage facility claiming that my ( empty ) storage units were being auctioned off. I have never received any proof of the debt, invoices, or any such information from Credit associates of Hawaii. The only thing that I received from them was an additional collection letter for {$960.00}. There are now 2 collections on my credit report, and I have yet to receive proof of debt or any sort of invoice indicating the amounts that they claim I owe.
Product: Credit reporting

1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. 

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

I opened my store under XXXX and had PayPal as a form of payment on Friday. After completing 5 sales, they decided to permanently restrict my account without any notice or how it violates their user agreement. 

I called customer service twice. The first person I spoke to said he could help lift the restriction if I sent my photo ID to the company which I did. Afterward, I received a message from PayPal saying the permanent restriction is final. 

I decided to give another call to customer support and when I explained to her I had 5 sales for selling stickers and keychains, she told me nothing can be done about the restriction and I can no longer use their platform. I can't even make a new account or transfers the remaining funds to my bank account at all.