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

In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
Product: Money transfer, virtual currency, or money service

Im not sure what happened exactly all I know is cash app closed my account with money in there a lil after I put in a dispute about fraudulent charges to get my money back but I couldnt reach anyone then when i did they couldnt help me with nothing
Product: Debt collection

I am called multiple times a day by different people in the office about my debt with them. I know I have this bebt but I am unemployed a d have been since   XXXX   XXXX  ,2017 and I have told them that several time. Their response is I 'm sorry that your not working but this debt has to be paid and until your account is current well will continue to call every 3 days or we will charge this account off as non-payment.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$280000.00}
Product: Mortgage

its a 3rd complain about the closing the mortgage with TD bank 1. We refinance teh mortgage with TD bank on XXXX XXXX. 
We paid all pay off amount but back in XX/XX/2020 we received a letter from TD bank stating that we own an additional {$5500.00}, It was a school taxes that TD bank paid althiught we refinance we the different bank back in XX/XX/2020. 
2. Title company issued a refund in the amount XXXX to TD bank, the check was cleared by TD bank. 
3. I, myself. along with the lawer Mr. XXXX XXXX spend 3 month contacting tTD bank, talking to the superviosr explaining that the mortgage is paid off, title company send a proof that TD get a refund for teh taxes paid.

4. We send all proof to TD bank a few times and teh issues was seems to be resolved.

5. When I contacted TD bank I was told that the mortgage hs athe outstanding amount of {$26000.00} as the underpayment of the pay off. The pay off was send to TD bank again, and the issues seems again to be closed.

6. now we are back to original issue of the tax paid in teh amount XXXX. 

AS I said me, my lawyer and the title compamy were sending the proof that all amount were paid to TD bank. 

I dont have time or energry to explain again and again to TD bank the issue, its seems that TD bank does not have qualifued personal. 
Please see attached the documnets as a proof. Its a third complain about teh same issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of any information in
my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Began in XX/XX/XXXX, fraud for {$790.00} on Capital One Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my Capone debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
Fact Cap One reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.
Product: Debt collection

On  XXXX / XXXX / XXXX  I sent a certified letter to Diversified Consultant,  XXXX    XXXX   XXXX    XXXX   XXXX  FL  XXXX  regarding  XXXX   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of that I want to inform that the same debt was already dispute with  XXXX   XXXX  and fully deleted on  XXXX / XXXX / XXXX
Product: Mortgage

In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.
Product: Bank account or service

XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX  Company Inquiries : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX tax lien which was paid in XX/XX/2013, in the amount of {$1900.00}. The lien was released and removed from my XXXX and XXXX, but still remains on my TransUnion. If removed from two credit reports, it is or should be removed from TransUnion.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX / XXXX - Account XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

These Credit Inquiries has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 a 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 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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 1. Account Name : XXXX XXXX Account number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : 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 a account without my written instruction.

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 7 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

PLEASE SEE ATTACHMENTS : Enclosed is the comprehensive evidence of Experian 's transgressions against federal laws, including the FCRA and GLBA. These violations comprise unauthorized reporting, deficient verification, failure to adhere to opt-out requirements, absence and improper investigation procedures. These actions infringe upon my rights and have led to substantial harm.
Product: Debt collection

Previously, disputed with creditor on XX/XX/ and XX/XX/ asking to verify or delete as I do not having account open. It's been over 60 days and I haven't heard back from them. I sent them a copy of credit report to further assist with request. This account is not mine.
Product: Money transfer, virtual currency, or money service

My Venmo account was permanently suspended on XX/XX/2023 without warning or reasoning from Venmo. They said at their discretion if they believe we may have violated their user agreement they can decide to permanently disable my account. I did not violate any part of the agreement and Im not sure what they are talking about because they will not share any details on the reasoning behind my permanent suspension. I believe this is unfair and even fraudulent that for years this company has taken money from me via instant fees and whatever other fees but now they deem me in violation of their user agreement without explanation after taking my money for years.
Product: Debt collection

Sequium sent me a letter dated XX/XX/2022 claiming I owed {$100.00} to XXXX XXXX XXXX. Following the instructions in the letter I emailed XXXX  on XX/XX/2022 ( see attachment : XXXX ). I used a CFPB form letter, changing very little of the text, requesting a copy of the last billing statement sent to me by the original creditor and all of the other information from the CFPB template ( XXXX XXXX XXXXXXXX XXXX 

I did not receive any kind of reply. 

I recently received another letter from Sequium, dated XX/XX/2022, trying to set up a payment arrangement. Since I already emailed them for more information about the debt on XX/XX/2022, I ignored the letter. 

On XX/XX/2022, I noticed on my XXXX  account that Sequium had added the debt to my credit history, taking me down XXXX points, even though they never got back to me with the requested information, which I thought was their obligation under the Fair Debt Collection Practices Act ( FDCPA ). So I emailed them the same text again ( attachment XXXX ). I have not received a reply. 

It is possible that this company thought I never replied within a specified time, but I did email them on XX/XX/2022. Their letters were not sent via registered mail, no delivery confirmation, and the envelopes were not postmarked and dated, so I threw them away. Maybe they never saw my email, but the attachments show that I sent it, per their instructions.
Product: Credit reporting or other personal consumer reports

Approximately XX/XX/year> I was informed that my XXXX XXXX XXXX XXXX  was removed from my credit report on Credit Karma without my Authorization. I called the Creditor and it is still active, paid off and is in good standing and should not have been removed. Its dangerous they can remove it at will. That Credit card is on my other XXXX credit reports just not Credit Karma XXXX but it was on the actual XXXX report. This company can do what it wants when it wants. I never got an answer as to why they removed it. It should be there as an active account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX DISPUTED CREDIT INQUIRIES THESE LENDERS HAVE ACCESSED MY TRANSUNION CREDIT FILE WITHOUT MY PERMISSION. I AM ASKING TRANSUNION TO REMOVE ALL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXXXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 


XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry. 

XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX  XXXX This is an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX  Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?
Product: Checking or savings account

I have to wire approximately {$190000.00} to my closing agent for a down payment on a house. The closing is set for XX/XX/2023 at XXXX XXXX. I have to break the wire into 4 transactions because CITIBANK allows only {$50000.00} transfer per day. The first approximately {$49000.00} completed quickly. The second wire, {$50000.00} was placed on temporary hold. I contacted CITIBANK customer service regarding the urgency of my situation. I was told that that's a corporate policy and nothing can be done other than an email which my or may not be looked at. 

I need all of the holds removed ASAP.