23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off. 

Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Mortgage

I AM REQUESTING A LIST OF ALL UPDATED PAYMENTS MADE TO THE DOWNS HOA SINCE XXXX. PLEASE NOTE A REQUEST WAS SENT TO THE LAWFIRM OF XXXX AND XXXX WHO COLLECTED THE YEARLY HOA FEE, PRIOR BUT, DID NOT TRANSFER THE PAYMENT ( S ) TO LAZEGA AND JOHANSON. ALSO, IT APPEARS THE REPRESENTING LEGAL COUNSEL, XXXX XXXX FILED TWO CLAIMS INTO MY SPOUSE 'S XXXX XXXX. 

I AM REQUESTING A PRINT OUT OF ALL DUES PAID BEGINNING XXXX TO CURRENT. ALL PAYMENTS ARE CURRENT HOWEVER, A COPY FROM THE ABOVE LAWFIRM IS REQUIRED. 

IN ADDITION, I HAVE ATTACHED THE INVALID SIGNATURE PAGES OF THE RESIDENTS OF THE DOWNS SUBDIVISION LOCATED IN XXXX GA. THIS REQUEST PERTAINS TO XXXX XXXX XXXX XXXX WHICH WAS ABANDONED BY THE XXXX TRUSTEE. THERE APPEARS TO BE A SOCIAL RELATIONSHIP AMONGST THE TRUSTEE AND REPRESENTING LEGAL COUNSEL. 

ATTACHED SIGNATURES WERE SUBMITTED AS SUPPORTING DOCUMENTATION FOR A NON-JUDICIAL FORECLOSURE IN THE YEAR OF XXXX. THIS LEGAL CLAIM WAS BASED ON STATED HOA DUES WERE LATE. PREVIOUS PAYMENTS TO XXXX AND XXXX XXXX SHOULD HAVE BEEN TRANSFERRED OVER TO THE NEW ATTENDING LAWFIRM. THIS WAS CONCERN WAS DOCUMENTED. THE INDIVIDUAL BY THE NAME OF XXXX XXXX WHO WAS AN EMPLOYEE OF XXXX AND XXXX WAS ALSO EMPLOYED BY XXXX AND XXXX WHO ARE BANKRUPTCY ATTORNEYS IN THE XXXX BRC NORTHERN GA. IT IS VERY OBVIOUS THE APPEARED CONNECTION. 

FURTHERMORE, SUBMITTED WITNESS SIGNATURES WERE SIGNED BY 3 TO 4 SAME INDIVIDUALS AND 2 TO 4 NOTARIES. A COUPLE DID NOT EVEN RESIDE IN XXXX XXXX PER THE GUIDELINES. IN ADDITION, THE NOTARY DID NOT PROVIDE THE A DATE PERTAINING TO THE WITNESSING OF THE WITNESS SIGNATURE. SO, IT IS VERY OBVIOUS RETAILIATION WAS TAKING PLACE AT THE TIME OF FILING WITHIN THE XXXX XXXX COURT FOR THE PURPOSE OF RETRIEVEING XXXX HLD. 
QUESTION : WHO STOLED THE PAYMENTS SUBMITTED TO XXXX AND XXXX? PLEASE REVIEW YOUR BILLING. YOU BILLED FOR HOA DUES FOR THE SAME YEAR XXXX AND XXXX RECEIVED PAYMENT. 

THE ASSIGNED LAWFIRM ATTEMPTED TO VIOLATE AN AUTOMATIC STAY WHICH IS AGAINST THE LAW. THIS WAS ANOTHER PLOT TO FORECLOSE ON XXXX HLD DUE TO THE KNOWN FRAUD ON THE HOME. AS A MATTER OF FACT THE PREVIOUS RESIDING NEIGHBORS LOCATED BEHIND XXXX HLD WAS SAID TO HAVE LOCATED TO FLORIDA BUT, THEY ARE CURRENTLY RESIDING IN A NEARBY CITY. 

THEY ARE THE INDIVIDUALS WHO SIGNED AS WITNESSES ON THE MAJORITY OF THE SIGNATURE PAGES. THERE IS NO WAY 2 TO 4 NOTARIES WITNESSED THE SIGNATURES OF THE WITNESSES. THIS IS A CRIME! IT'S VERYOBVIOUS THE SELECT RING OF INDIVIDUALS WHO WERE AND STILL ARE WORKING TOGETHER. 

BASED ON MY RESEARCH IT APPEARS THERE ARE HOMES LOCATED WITHIN THE DOWNS SUBDIVISION WHICH WERE FINANCED BY 1440 HLD VIA FRAUDULENT LOANS. APPROXIMATELY 18 TO 20 FRAUDULENT LOANS.
Product: Credit card

Hello- I have had accounts with Capital One for a number of years. I opened my first account when the company was ing.com. I also had the XXXX account for longer than I can remember. I pay my card in full every month since the inception of the card. Last month due to an unfortunate delay in funds I paid the card a couple of days late, albeit in full as usual. The interest rate and charges were waived as a curtesy. This month I paid the card in full again but was charged another {$18.00} in interest. I called Capital One and asked why I was charge interest given that everything was paid in full this month and last month. I was advised that since I was late last month, they are charging me interest two months in a row whether I pay in full or not. I asked the card to be closed and the supervisor made it a long process. She provided me with the payoff figure which was {$150.00}. When I asked why the payoff figure was different than the amount shown online of {$150.00} I was told that there are additional interest charges. CapitalOne is pyramiding interest charges in violation of federal regulations. They are punitive and despite being a customer for years and making payments in full EVERY month for YEARS they punish the customer by continuing charging illegal fees due to a late payment in one month. I am requesting the interest {$18.00} XXXX additional interest to be refunded and all credit cards with CapitalOne closed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Transunion as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Transunion takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes as usual. Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Transunion. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Transunion reports no historical data on this negative tradeline. The comments section states, " no payments have been reported on this account ''. How can Transunion report a chargeoff account on my credit file with no historical data that leads up to a chargeoff status? How can you report an account as a chargeoff with no payment history of late payments reported? How can you determine a chargeoff period if their is no missed or late payments that have been reported that verify your credit entry claims? I disputed this with Transunion over 4 times since XXXX of XXXX. They never truly investigate my dispute, they use the E-Oscar computer program that sends back false information about how a human " did not '' conduct a true investigation into my dispute ; This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Transunion reports this information as XXXX of XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is, along with monthly payment amount, late payments, terms, company sold to :, and original creditor, which compounds multiple FCRA metro 2 violations. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Transunion credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATIONXXXX XXXX {$0.00} US DEPT OF EDUCATIONXXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a wire transfer from my XXXX account to XXXX XXXX account with Citibank as the intermediary. Due to a typo there was an issue with the wire and it was returned by Citibank with {$40.00} missing. 

I reached out to XXXX who refunded all of my outgoing fees, but said this {$40.00} was an unauthorized fee by another bank. 

I reached out to XXXX, who never saw this wire and, therefore, said they are not a party to this transaction. 

I reached out to Citibank, who absolved themselves of any responsibility because they claimed to be only an " intermediary, '' and I am not their customer. 

After further research with XXXX and XXXX, they both confirmed that Citibank had taken this fee. 

Citibank has essentially stolen this money from me, and I would like it returned with interest. 

Proof of this is included as attachments.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting

I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
Product: Credit card or prepaid card

was denied by the company for applying for a credit card even though i already had one from the same company with the cards ' date expired off from my mothers account and tried to get onto my own account, and had to cancel the same card. then apply for my own credit card account instead of reactivating the same card. then getting denied a new credit card because i have little to no credit from a background check from XXXX. 
this was discriminatory and didnt even offer any options of new credits or cards for me. 
ive even XXXX XXXX XXXX XXXX for 6 years, and new about the credit cards offers. 
ive never missed a payment, and a XXXX XXXX XXXX.
Product: Checking or savings account

I have a bank account at First Security Bank of Missoula, a division of Glacier Bankcorp. I have funds deposited in my account. An unrelated individual uses the same institution. This individual and I agreed that we would settle an obligation by transferring money from my account at FSB to their account at FSB. I went into my local branch today and asked the bank to transfer the funds from my account to the other person 's account. The bank took money from my account and placed it into the other person 's account using the name/account number I provided to the bank. 

I next asked for a receipt or some form of documentation that the money had been removed from my account. The bank refused to give me a receipt. I would like a receipt.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS FST PREMIER ACCOUNT XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX COMEN HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I need that XXXX Bank make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : natural disaster. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " my payments '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on one occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My persistent efforts to address the fraudulent inquiries on my consumer report have been fruitless. These inquiries are completely unrelated to me, and I bear no responsibility for them whatsoever. Their presence has inflicted considerable mental anguish and financial hardship. As an identity theft victim, I will be forced to pursue legal recourse if this issue is not appropriately resolved. These false and fraudulent entries have obstructed my ability to acquire my desired home and adequately support my family, profoundly affecting my financial stability. For your reference, I have included a copy of my prior correspondence to the Federal Trade Commission ( FTC ) detailing this matter and requesting resolution.
Product: Debt collection

XXXX charged me after I cancelled renters policy due to them not handling my policy billing delivery correctly and for difficulty in obtaining assistance. I received a notice stating 3rd request when I had never received any. I paid the {$26.00} regardless and now have received a collections notice. I tried to speak to both collection agency and XXXX and although XXXX admits to payment in full, as it is recorded, they will not remove from collections and collection company will not either.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX.I checked my bank account and it was overdrawn because Coinbase took out {$25000.00} dollars from my account that I didnt authorize.

I immediately called my bank ( XXXX ) and they assigned a fraudulent team to investigate. I emailed Coinbase and let them know the situation so they locked my account, later that day my bank notified me that Coinbase credited my money back to my account and that everything is OK..case closed.

I emailed Coinbase to let them know that everything was OK and to please unlock my account which I thought they would do right away.1 month later no reply other then automated emails saying they will investigate and will be in touch in 3 to 4 days, Ive send them probably over 30 emails its going on 5 weeks now and Im starting to get worried, I lost so many opportunities to trade and sell the past month.. all I want is them to unlock my account, thats allI have XXXX XXXX ( {$23000.00} ) that I cant get access to. I need access to sell, please help thank you. case # XXXX Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a police report stating clearly that an account with XXXX  XXXX XXXX had been opened back in XXXX without my consent and is still showing on my Chex systems report. I submitted this police report to Chex systems and it is notated on the report by the police officer that this account was opened without my consent. Chex systems refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to Chex systems in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, XXXX  and Transunion. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

i try to purchase a home and i have some negative item wanted to remove
Product: Debt collection

After I canceled my XXXX phone and internet service, I later received a letter from XXXX XXXX stating that I owe {$230.00} to XXXX. I sent them a dispute letter ( attached ) and never received a response. I still do not know exactly what this amount is for. I paid my outstanding bills for service. I am now currently disputing a derogatory remark on my credit report from XXXX XXXX XXXX, which I didn't recognize. When I called, they then referred me to Maury Cobb Attorney at Law. All of this appears to emanate from XXXX. I find these business practices opaque and, quite frankly, bordering on fraud. 

I tried to return outstanding XXXX  equipment to the local XXXX store in my area ( XXXX, NC ) . The day I went to return it, the customer service representative told me I had XXXX XXXX XXXX minutes to another location to return it, which I refuse to do. This is also stated in my dispute letter ( attached ). In addition, I have stated my concern to XXXX customer service representatives via phone.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Payday loan, title loan, or personal loan

Late payments showing on my credit report.i set up autopay there's no way im gon na be late for payments.two of my checking account was linked for loan payments.
Product: Debt collection

XXXX has reported XXXX collections on my credit report that do not belong to me. I have contacted them via certified mail so that they will comply with federal laws and disclose information about the alleged accounts but they have ignored my request. 

XXXX never notified me or sent me any type of notice regarding these accounts.