23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm reopening my previous case. I was a victim to account fraud and a substantial amount of money was taken from me. As your previous email said it was closed due to not being able to prove it wasn't me, I'm going to need you to prove it was me. I'm hiring a lawyer in this matter. 

On XX/XX/XXXX through XX/XX/XXXX ( I believe are the dates ) my accounts both checking and savings were hacked and money was XXXX  out and large purchases were made. I have since closed my account with fifth third. 

But the total amount is over XXXX dollars that I worked hard for and XXXX XXXX  of that was take. From my sons savings account that I had been saving for him. 

I would ask that you rereview this as I'm out a lot of money. This is not the first time this has happened to me at fifth third. Also my alerts were shut off and I pay extra for ID alert, which I never received anything form them. Thank you for looking into this matter as I have been with fifth third for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX requesting validation proof of the debt with signature from myself XXXX XXXX XXXX need to show validation of debt proof of signature as well as Equifax Credit Bureau or remove the debt from my report
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Credit Acceptance Corp for inaccurate and misleading credit reporting that is negatively affecting my credit profile. Despite my previous attempts to dispute the inaccuracies directly with the company, they have failed to correct or properly investigate the errors in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Details of the Complaint : Company Name : Credit Acceptance Corp Company Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Incorrect Account Status My credit report lists this account as a repossession, when in fact, I voluntarily surrendered the vehicle due to lack of proper servicing by the dealer. The report should reflect Voluntary Surrender instead. 

2. Incorrect Balance Reporting My report states a past-due balance of {$10000.00}, which does not align with my payments. I request verification and correction if inaccurate. 

3. False Status Update The status update is listed as XX/XX/XXXX, which is misleading because my last payment was in XX/XX/XXXX and no further transactions have occurred. 

4. Inaccurate Monthly Payment Reporting Since the account was closed in XX/XX/XXXX, no monthly payment should still be reported. 

5. Failure to Identify the Current Debt Owner If the debt was sold, Credit Acceptance Corp has not provided the name of the new creditor, making it impossible for me to verify the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Information Due to Equifax Data Breach Dear Equifax, I am writing to dispute inaccurate information on my credit report related to the Equifax data breach. I believe that my personal information has been compromised and may be affecting my credit report inappropriately. I am requesting that you investigate this issue and make any necessary corrections. 

Details of Dispute : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Report/Account Number ( if applicable ) : XXXX  XXXX, XXXX & XXXX Bank Inquires : XXXX  XXXX, XXXX  XXXX, XXXX  of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Collections : XXXX  XXXX XXXX  I understand that my information was potentially compromised in the XXXX Equifax data breach. I have reviewed my credit report, and I have noticed discrepancies that I believe are related to this breach. Please investigate the affected accounts and take appropriate action to correct any errors. 

I am requesting that you verify the accuracy of the information on my report and, if necessary, correct or remove any inaccuracies caused by fraudulent activity linked to the breach. 

Please confirm that my dispute has been received and let me know the steps you will take to resolve this issue. Additionally, I request a copy of the updated credit report after any corrections are made. 

If you need any further information or documentation to assist in your investigation, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> Bank of America garnished my account in Florida of which I am a resident with a subpoena for information provided for them by NY attorney XXXX XXXX from the civil court of NY on XX/XX/year>. They did not obtain a writ of execution or a domestication order from the clerk of courts of XXXX XXXX Florida of which i am a resident allowing them to garnish my Bank Of America account. When I went to bank, they told me to call the law office of XXXX XXXX and ask them to send me the paperwork, that when BOA receives a subpoena, they hold the funds. Again it is a subpoena for information, and not a Writ of Execution. They have already released the funds to the attorney. I need proper documentation that shows me they followed the banking laws for garnishment for Florida. Also, when I asked the bank manager, she informed me that, the released the funds because my account was originally opened in New Jersey, so this is why they released the funds. I told her, but for the last 5 years I've lived in Florida, she said it didn't matter. One issue with that, my account was actually opened in Florida, in XXXX to be exact. They were not helpful, and they broke Florida XXXX XXXX,
Product: Checking or savings account

On XX/XX/2021, my ex-husband XXXX XXXX purchase a personal money order for alimony payment for me. The amount of the money order was {$550.00} and the money order number was XXXX purchased at XXXX XXXX XXXX. I received the money order on XX/XX/2021. I promptly took it to my personal bank which is PNC in XXXX Alabama. I just deposited the money into my account and received a {$10.00} withdrawal from that {$550.00}. In XXXX the first part of XXXX, the {$550.00} money order was wiped from my account from PNC Bank in XXXX Alabama. I have yet to get reason for this transaction. I have talked to both PNC Bank and XXXX XXXX XXXX about this issue. XXXX XXXX XXXX is shows me that the money order was purchased on XX/XX/2021. It was only deposited once and to my account at PNC Bank I have the deposit slip on that but I can not screenshot it because of the website but I do have a copy of the money order front and back with sequence numbers. XXXX XXXX XXXX is stating that they did nothing wrong and I have received several money orders in the past year once a month for alimony from XXXX XXXX XXXX. PNC Bank is opening an investigation because I asked them to on XX/XX/2021 and they then closed the issue out with their corporate on that same day XX/XX/2021. I understand that {$550.00} is not a lot to people but it is a lot to somebody that uses it for food, gas, car payment, bills or rent. My account is negative {$22.00} and change right now because of this situation and I am past due on XXXX different bills. XXXX XXXX nor my bank PNC are trying to help me I need to find out what's going on. Like I said they closed the case in XXXX day and not let me even know that they did that I had to find that out the hard way with PNC Bank. There's no reason why this money order XXXX, should be bad it was only cash one time from me and then you know they return back to the original place where they were purchased I talked to XXXX XXXX at XXXX XXXX XXXX she said it was only cash one time that was by me and she doesn't know why PNC is doing what they're doing. I talked to XXXX XXXX at PNC Bank try to make an appointment with her and she cancelled tue appointment then told me she was sending this to an " escalator team '' with PNC bank. She failed to give me any information on how to contact this team ( I will show the correspondence emails I have between these financial institutions and myself. Can you please help me in this matter soon so I don't lose my vehicle and so my credit score won't be sacrificed any more than it has been. 

I need this money. My ex-husband worked hard for it and so did I. My ex husband has XXXX XXXX and I have XXXX XXXX  XXXX ( which keeps me on a fixed income ). He nor I did anything wrong with this transaction but someone did. No one is wanting to fix this. 

Can you please help me?
Product: Credit card or prepaid card

I am a victim of identity theft and breached by several data breaches. I wrote to the XXXX XXXX 's on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the XXXX XXXX 's advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on XXXX : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on Experian : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had my bank account garnished 3 times adding up to over {$900.00}. Prior to receiving any information in regard to this debt. I called XXXX XXXX after I received my first notice of the debt.

In violation of the Fair Debt Collection Act -I was not given details on the debt Enclosure documents - no address or Name of original creditor was not given -no instructions on to pay the debt -no record on when the debt was incurred -no proof account was sold Attorney/ staff informed me they didnt have to send me any paperwork because they sent it to the bank Im violation of Consumer Credit Protection Act Title lll My account was garnished to XXXX $ when this act states it should not take all my money to ensure basic living expenses are available bank statement In addition Michigan statute of limitations on collecting debts is 6 years I was told this debt is XXXX  years old and it hasnt been kept active Over XXXX years the last date is from XX/XX/2006 for action on this debt. My address is incorrect my name is spelled incorrectly. When speaking with the collector I told them this was not my bill. The last and first date I was incarcerated XX/XX/XXXX, XXXX practices are in violation of the FDCPA 15 USC 1692 et seq unfair and abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. Carrington Mortgage Company a service provider for XXXX   XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life,  and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
Product: Debt collection

Today I received several harrassing calls from iQDatainc saying they were collecting a debt. I asked what was he referring to and please provide me a copy of the collection notice. He stated ( I have this recorded and said I was recording several times ) I have not received notice of the debt in collections. I asked for a copy continues to provide an address and the agent said he was not sending me a mail copy. I have received several calls today past XXXX which is unacceptable for a work day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint on XX/XX/2021 with Experian about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? I need answers now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX XXXX XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX XXXX  rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX Account:11505 XXXX XXXX XXXX Account : XXXX 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 account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony and Amazon clearly have no control over their online system. I understand the emails about their credit repair were a wide spread issue and apparently just a mistake ... But to say we aren't to worry about any data breach is ridiculous. I've had nothing to do with Synchrony for a long time and the fact that they still float my information around with no concern for security is disturbing. If a company profits on citizens info they should be required to protect it and none of them are held accountable. Small fines in the past have not deterred corrupt companies from failing to leak, like a sieve, everything they know about people.
Product: Mortgage

On XX/XX/XXXX I entered under contract with XXXX. XXXX XXXX XXXX to purchase a new home. They offered a promotion at the time in which new buyers were to receive {$5000.00} towards their home, and additional money towards closing cost if they were to utilize XXXX. XXXX mortgage ( DHI Mortgage ). 

I agreed to the latter and discussed acquiring an FHA back loan, which necessitated for me to provide 3.5 % of the closing cost for the home ( roughly $ 13K ). I was pre-approved for financing, and provided the necessary documentation to complete the mortgage, and received a locked in mortgage rate of 2.75 % and signed the documentation to lock this rate in up into and through close, so I thought. 

Roughly one week prior to my closing date of XX/XX/XXXX, I received a call from the lender that I was unable to be underwritten, due to a gap in employment. I had provided information pertaining to the gap, as well as numerous other documents pertaining to my current employment, child, business bank account etc. Subsequently, the lender stated that he/they would be able to get me into a conventional loan, which would require that I put an additional {$7000.00}, for a grand total of $ 21K and I had less than seven ( 7 ) days to come up with this money, or my house would be sold to someone else. On top of this, I learned that my rate would change and when I inquired as to why, I was told because " I went from an FHA back mortgage to a conventional. '' In between this time, I was sent a very vague document in regards to a " interest rate promotion '' that the builder was offering, and the letter was back dated to the date of the original signing of my home. I inquired as to what it was, and was told that it was to lock in " a rate. '' I closed on the home on XX/XX/XXXX and throughout signing the document I was curious as to why my rate was now XXXX XXXX. Roughly one week after moving into my new home, my lender through the DHI Title Agency, sent me a copy of my Special Warranty Deed as well as a copy of a XXXX. On the latter document, it displays the term on my loan in line 13, which reads as follows : Term : Fixed/ Interest Rate : 2.750 %, No Balloon Payment and seller concessions and has my wet signature. My loan was subsequently sold to Fannie Mae, and the loan servicer is XXXX XXXX XXXX on behalf of XXXX XXXX, but disappointingly, I'm paying a 2.99 % rate, instead of the 2.75 %.

That .24 % difference adds up over a course of 30 years, and would have undoubtedly lowered my payment. When I complained about this, it went unheard as they were more concerned about their review/rating that I had provided.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of {$980.00} the collection has been reported as pass due. I do not know this company. I never have did any business with this company, this company this not have a contract with my signature.
Product: Vehicle loan or lease

On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus. 

XXXX XXXX XXXX