23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I owned a home at XXXX XXXX XXXX XXXX XXXX Wa XXXX from XXXX - XXXX and the loan was with XXXX XXXXXXXX XXXX. They put me on an illegal loan, interest only payments, and there was a huge class action lawsuit against them that I was a part of. We won hundreds of millions of dollars but I never recieved a XXXX from it. Since XXXX or so ive I tried contacting XXXX, and the attorney for the case but got no responses. XXXX was bought out by Bank of America after the lawsuit and they never returned my messages either. What recourse do I have to get my money?
Product: Checking or savings account

I was supposed to be payed from my employer in XX/XX/year> in the amount of {$1800.00}. I have not received my check and the only thing capital one is telling no me is that they are working in the problems. I am not able to pay my bills because XXXX XXXX received my check.
Product: Debt collection

Ally Bank has called me on XXXX  on my house phone XXXX XXXX XXXX looking for XXXX XXXX. I told them no one lives here by that name. Then later I have a voice mail on my cell phone XXXX XXXX XXXX XXXX for XXXX XXXX. I tried call the number they left XXXX XXXX XXXX to tell them to remove my number. I reached one agent and told him my issue and he hung up on me. All my repeated calls went unanswered, eventually they time out.
Product: Debt collection

I received a letter on XXXX/XXXX/XXXX advising me that I owe {$1800.00} to the City of XXXX for Parking Tickets and No City Sticker. This is the first time I am hearing about this and the letter states that my opportunity to contest this has expired. The dates of all of the tickets are in the year XXXX. I have lived in the City of XXXX, State of Washington since XXXX, XXXX. I have not been back to XXXX for at least 10 years. This has to be a case of fraud and I am not the XXXX XXXX who got these tickets. The Law firm is Linebarger Goggan Blair & Sampson , LLP and they have threathen to garnish my wages, my bank account and file a lien against my property. I am XXXX yrs old and receiving Social Security. This company did n't even do their work to verify that they have the right person and have now waited 4 years later to inform me of this. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}
Product: Payday loan, title loan, or personal loan

I have everything or had everything from our car loan, insurance, banking, etc. with USAA. 

I have never had a problem with them until now XX/XX/2019 at XXXX. They sent me a letter of Decision from a XXXX XXXX XXXX, I asked to speak with him about the Letter and was told by XXXX no last name, that no one can speak to him so I asked for a secretary was denied associate denied. I have a serious complaint and will take it up with XXXX XXXX XXXX, Ms XXXX and Ms. XXXX stated I must speak to there Resolutions and they said although your information has changed you need to fill out a totally new application. I applied for XXXX and already have 5 loans with USAA 1 paid off. I never missed a payment and been with USAA for years. I demand this loan be re reviewed and tell me why someone sends you a letter of a powerful decision and will not come forward to answer my questions about said letter. Not just push papers thru and numbers we are human beings.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Debt collection

Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.
Product: Bank account or service

Deceptive advertising by Huntington Bank regarding 24 hour grace for overdrawn accounts. I write very few checks on my Huntington Bank Account. Most of my transactions are EFT set-up for automatic payments. EFT for automatic transactions are allowed 24 hour grace for unlimited number of times. 24 hour grace for a check is allowed only once in a 12 month cycle, according to the local branch and the online agents. In addition, a check written does not show up until after the close of processing for a given day. When a forgotten check for {$75.00} showed up recently, creating a shortage of {$48.00}, I was charge {$37.00}, even though I immediately transferred over {$1000.00} from my savings to cover the shortage.
Product: Money transfer, virtual currency, or money service

My name, address, last four of SS # and a valid email address, XXXX, were stolen and used to open a fraudulent PayPal account. Then someone stole a {$5.00} credit PayPal put into the fake account. Now, PayPal says they can not close that fraudulent account but can only " restrict '' it, but they acknowledge that someone could possibly get those restrictions lifted and use the account again. I can not have an account in existence online that stole my identity and could possibly be used to scam people or perpetuate further identity fraud in my name. Please help me to get rid of this account in its entirety on PayPal.
Product: Debt collection

I am filing this complaint against IC Systems due to their continued refusal to resolve a fraudulent account that is inaccurately being reported on my credit report. Despite numerous attempts on my part to address this issue, IC Systems has been unresponsive and has made resolution unreasonably difficult by shifting the responsibility onto me to contact XXXX XXXX XXXX. 

The account in question pertains to services allegedly provided at an address where I have never lived or conducted business. I have repeatedly informed IC Systems that I have no connection to this account, yet they continue to report it to credit bureaus. IC Systems has ignored the evidence I have provided, instead insisting that I resolve this directly with XXXX XXXX XXXX burden that is both unnecessary and inappropriate given that I never initiated this account. 

IC Systems actions constitute a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting the reporting of false or inaccurate information. 
2. FDCPA, 15 U.S.C. 1692e ( 8 ) : Prohibiting the collection or communication of false information about a debt. 

IC Systems has failed to take any meaningful action to investigate or correct this fraudulent account. Instead, they have continually moved the goalpost by redirecting me to XXXX XXXX XXXX, effectively avoiding their own legal obligation to ensure the accuracy of the information they report. 

I am now demanding that IC Systems remove this fraudulent account from my credit report within 72 hours. Failure to do so will leave me no choice but to file a lawsuit to address this issue and recover damages. 

Thank you for your attention to this matter. Please feel free to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$360.00} from Sunset finance in XXXX Georgia for a personal loan where I put up some personal items as collateral and have found myself XXXX and unable to pay back. The rest of the loan have paid them like {$200.00} so far and somehow I still owe them close to {$600.00} and they have been harassing me nonstop calling like every day About this loan and I have spoke with them and they know I am XXXX and can not pay this back right now. It seems like all they wan na do is harass me. This is been going on for months they called people on my personal references to have them, call me and tell me that they were going to come out with the sheriff to repossess the personal property that were collateral for the loan, and I told them that they can go ahead and do that because I have no way of paying back that loan. They have yet to do it they had me come in once to refinance the loan they have threatened me many times to take legal action, always saying they are about to sue me when they have yet to do so, and it has become harassment at this point. They even called me today, asking me to sell personal property that is not collateral to the loan in order to pay the loan. At this point, I dont care what they do. I have no way of paying this but the calling from different phone numbers all the time needs to stop. But they are always like now asking me to come into their office so they can try to bully me and harass me.
Product: Credit reporting

There are several inquires listed through a company named XXXX XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
Product: Mortgage

On XX/XX/ the sale of my property was handled by a title company. After closing I received a call from the title company telling me that i owed {$2000.00} to my previous mortgage company. I was not notified by the mortgage company as to the nature of the problem nor did the title company contact me as to a resolution to the issue. the previous mortgage company continued to harass me about paying the mortgage in full. Some time later in XXXX when applying for a new mortgage it was found out in a conference call between myself a potential new lender and my previous mortgage company that the title company failed to pay the correct amount the previous mortgage claims they quoted for pay off. the title company claims the amount paid is what my previous mortgage company quoted for pay off of the mortgage. the situation now is i am caught between the two entities and being told i need to pay my previous mortgage company {$1100.00} to have the previous mortgage paid in full. This situation was not created by myself. It appears a funding issue of some sort occurred between the title company and my previous mortgage company. i was lead to believe by the title company at closing that all was in order. This matter needs to be investigated and resolved with out me having to spend money on attorney fees. can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this card off. There was {$29.00} dollars of interest on the card that I was not aware of. I never received a statement. I didn't even know it was there - as far as I knew, I had paid my balance down to XXXX. 
They reported this as a 30 day late in XX/XX/2020 onto my credit report. They wouldn ; t work with me at all on fixing this. This is an outrage - we are in the middle of COVID and I found a way to pay this card off and I still got hit with a late. 
Absolutely ridiculous! 
The card is paid off in full at this point. I have always made my payments on time on this card and this interest was never told to me when I called.
Product: Debt collection

I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting or other personal consumer reports

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX CO, AND I DO NOT HAVE A CONTRACT WITH XXXX COLLECTIONS. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT CCS COLLECTIONS ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX COLLECTIONS. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.
Product: Mortgage

this is a continuation of the case # XXXX against CHASE BANK TWO MONTHS AGO ON XXXX XXXX THEY RESPONDED THAT I HAVE CREDIT BALANCE OF XXXX AND I OWE THE MORTGAGE FOR XXXX XXXX XXXX XXXX TOTAL DUE {$1200.00}. WHERE AS I HAD ALREADY PAID FOR XXXX XXXX AND THEY CLAIMED THEY DID NOT RECEIVE MY {$900.00} PAYMENT IN XXXX XXXX. 
I SUPPLIED THEM THE ENTIRE PAYMENT RECORD FOR THAT PERIOD.. 

NOW THEY CAME UP WITH NEW THING THAT MY ESCROW IS SHORT OF XXXX AND I AM STILL A MONTH BEHIND. 

DO THE CHASE HAS ANY SINGLE EDUCATED PERSON LEFT IN STAFF SO THAT HE/SHE CAN GO TO MY PAYMENT HISTORY AND CALCULATE HOW MUCH I PAID IN LAST 45 MONTHS AND HOW MUCH TOTAL I WAS SUPPOSE TO PAY IN LAST 45 MONTHS. 
IS THIS TOO MUCH I AM ASKING .. IT WILL TAKE LESS THAN 2 HOURS TO GO TO EXCEL SHEETS AND JUST VIEW ALL PAYMENTS MADE AND THAN JUST VIEW HOW MUST WAS DUE. 

THEY DO NOT WANT TO WORK THEY JUST LIKE TO HARASS CUSTOMERS BECAUSE THEY GET PAY FOR THIS TOO. 

SHAME ON CHASE BANK. 
BUT I PROMISE I AM NOT GOING TO PAY TWICE EITHER NO MATTER IF I HAVE TO GO TO THE COURT ... 

XXXX AND XXXX XXXX LOAN # XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report without any explanation. I check my credit regularly, but suddenly, there are issues that werent there before. I tried refreshing the browser, hoping it was a technical error, but the problem didnt go away. I am very upset and urgently need you to carefully review the documents I sent to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.
Product: Credit reporting or other personal consumer reports

Having problems with all these second and third party consumer data reporting companies selling my personal data to all three major credit bureaus without my consent, I have been trying to opt out/freeze my data since XX/XX/2018 to present and nothing have been resolved, also these second and third party consumer companies have been reporting my data and personal information to the three major credit bureaus incorrect since XX/XX/2018 to present without my consent, I will list all these second and third party consumer companies on the second part of my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : 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 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 XXXXXX/XX/XXXX REPORTED AS LATE. 15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.