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

I have a savings account that I deposit money into from a rental property I own. Unbeknownst to me an ACH transaction had been taking place every month from XX/XX/XXXX- XXXX XXXX totalling {$730.00}. I have never had any automatic transactions with this account. 

I traced the transaction back to XXXX XXXX XXXX XXXX - an HOA / property management company in California that I have never been associated with. 

I called USAA on XXXX XXXX and let them know these charges were not authorized by me. Initially some of them were refunded but {$630.00} is still outstanding. On XXXX XXXX I spoke with XXXX  who said it was still under review. Shortly afterwards I received correspondence that USAA is not responsible for errors after 60 days. 

The ACH transactions were all tied to an individual named XXXX XXXX, who is the homeowner listed on this transaction. The property management company has acknowledged the transactions in error and since corrected them- but my bank of XXXX refuses to refund me for money that was clearly tied to someone elses name and account. 

I spoke with XXXX XXXX, XXXX of the CEOs office who has the audacity to tell me that it was my fault for not checking the paperless statements that get buried in their substandard IT system simply labeled My Documents. 

This money was transferred using ACH transfers, unauthorized by me, but authorized between two banks USAA and XXXX XXXX XXXX because someone erroneously, or intentionally entered my banking information. USAA has made no attempt to recoup this money from the legitimate business- XXXX  XXXX XXXX who has acknowledged the error. 

I am requesting USAA refund the money remaining- {$630.00}. Issue a written apology for their terrible service - implying this was my fault. And confirm the correct name between accounts when approving an ACH transaction. Very simply checking the correct name against the account ( that has never had ACH transactions ) would have prevented this.
Product: Vehicle loan or lease

I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX  from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX refuse to delete the XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; Experian, XXXX and XXXX XXXX. Experian deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, XXXX XXXX refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. Experian failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate. 

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the XXXX score by both antiquated algorithms and unproving AI technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts as a result of identity theft pursuant to 15 USC 1601, 15 USC 1681 and 15 USC 1692 are as follows : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX. 

Credit Reporting Agencies ( XXXX, XXXX  and TRANSUNION ) continue to report on one or more of these fraudulent accounts despite receiving an Affidavit and Debt Validation letters via the US postal system with written instructions of how to write my consumer report within the confines of legality and to prevent further damage. These fraudulent accounts are causing me injury, economic strife and clearly violates many, many federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ) - DT Credit ( XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need to stop in my goals and plans please address this issue immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, a property management company for XXXX XXXX XXXX sued me for eviction and a balance of about {$800.00}. The court ORDERED the eviction but denied any payments, specifically citing in the order that the amount owed was {$0.00}. Said management company, unhappy with that decision, FRAUDULENTLY conjured up a balance of about {$1400.00}, and ILLEGALLY sold it to a collection company called XXXX XXXX XXXX. That debt first came to my attention in XXXX, when it was reported on XXXX, and I submitted a dispute along with the court order directly to XXXX. After their investigation, XXXX ACCEPTED my dispute and DELETED the information from my credit file with their bureau. Now, the information is being reported again on Experian. I disputed it again, with all of the aforementioned, and even sent them the results of the XXXX investigation on the information. Experian just concluded its investigation and reported back to me that the information has been verified by the reporting company as accurate, and therefore it will not be removed from my file. Well of course their fraudulent and illegal information that was bought and paid for is reported as accurate, but it sure as XXXX doesnt supersede any court orders. Experian is proving me with no additional avenues or options to get this injustice resolved. I am filling this complaint to have them and EVERY CREDIT BUREAU PERMANENTLY DELETE this information as its negatively impacted my life, affecting my access to capital and increasing my burden of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Debt collection

An American collection agency reporting an outstanding debt created outside the USA jurisdiction and reporting it on my USA credit agencies, particularly XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a scam through sellers, while trying to gain housing in XXXX at the end of my military service. The scammer had me send him a deposit and first months rent in 4 payments of {$750.00} totaling {$3000.00} before completely disappearing. I contacted my bank Filed reports with the police FTC & IC3 & my bank still isnt willing to assist me or provide me with the necessary information to take the scammer to court.
Product: Credit reporting or other personal consumer reports

This is my second complaint about this information not being investigating as per FCRA. Under FCRA, this information must be verified by Experian. This means providing me with evidence that the information is reporting 100 % accurate. I have yet to receive anything for these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and unlawful reporting of an account from TD Auto Finance, reflected on my credit report. This account, with number XXXX, was charged off and subsequently paid in full ; however, I never received a 1099-C form for the canceled debt. As this form is required by the IRS to report forgiven debt, the failure to provide it constitutes tax fraud. I have been advised by the IRS to file Form 3949-A to report this violation. Additionally, TD Auto Finance has failed to follow proper UCC ( Uniform Commercial Code ) regulations with respect to the repossession of the vehicle associated with this account, further invalidating the legitimacy of the reported information. Moreover, a previous dispute letter dated XX/XX/year>, which I have attached for your reference, notified you that TD Auto Finances business registration in Texas is currently inactive, and their right to conduct business within the state has been forfeited. Since the company lacks the legal authority to operate in Texas, it can not lawfully engage in activities such as reporting debts to credit bureaus. I have also included XXXX XXXX XXXX to confirm their inactive status. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to ensure that all information reported on credit files is 100 % accurate. Due to the discrepancies mentionedspecifically the missing 1099-C, violations of UCC regulations , and the forfeited legal status of TD Auto Financethe continued presence of this account on my credit report is unlawful and misleading. Therefore, I demand the immediate removal of this account from my credit file. Please be advised that failure to remove this inaccurate account within 30 days will result in further actions, including filing complaints and pursuing legal remedies for damages. I expect written confirmation of the accounts removal within the timeframe required by law.
Product: Credit card

When I submitted request for card I was not immediatly offered to Opt out of solicitations, surveys, thisrd party notifications and other distribution of my personal info. After I received my card, I received Opt out letter and called in XXXX times as I kept getting e-mails. Called tonight as I received " Survey '' This iscourge of corporate america privacy. If you contact them they sen nd you survey. I told them do not send me surveys, Solicitations by phone, e-mail or mail. I just want a bill/statement NOTHING else. # x they toldOK '' they ca n't do it. They say XXXX days to stop. Why could I not have opted out on approval without delay??? I asked for Resoulution spelist or Executive dept and was tol " NO '' not possable by XXXX # XXXX in XXXX XXXX XXXX XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to JPMCB CARD SERVICES agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off/collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB CARD SERVICES agency to remove this charge-off/collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

I used my Capital One XXXX card to guarantee 2 hotel rooms for XXXX XXXX XXXX XXXX on XXXX   for the nights of XX/XX/XXXX & XX/XX/2018. The price for these rooms was XXXX euros.

However, my friend, who was in the room with the king sized bed, was to make payment for both rooms for both nights. In fact, I was standing at the desk when he told the clerk to use his card to make the payment for both rooms. He has since checked his credit card statement and he was charged for the two rooms for both nights. I sent proof of this to Capital One 's transaction dispute department in the form of the statement from my friend 's credit card. He was charged a total of XXXX   euros because he had an additional XXXX euros worth of bar charges and for items from the mini fridge in his room.

I contacted Capital One on XX/XX/XXXX to let them know about this. Since my first contact with them I have been required to send proof FOUR TIMES that the rooms were already paid by my friend. Initially they credited my account for both nights advising me to keep all records on hand for 90 days until the hotel had a chance to respond.

I received notification from Capital One on XXXX XXXX stating that the hotel had sent proof verifying that the charges were correct. Mind you, this is outside of the 90 day window for the hotel to respond. The " proof '' they sent was a copy of my credit card receipt signed with my friend 's name. However ; it is not my signature nor that of my friend as he had already paid for the rooms with his XXXX XXXX. I sent Capital One copies of my signature and his to show that it was not either of our signatures on the receipt. Not to mention they received copies of his credit card statement four times prior showing that the rooms were paid.

If the charges were correct, then why is Capital One only making me pay for one of the nights for one of the rooms and not for all of the rooms for all of the nights? Why did they give me a statement credit for one night for one room, but are insisting I owe for the other room? I also asked for assistance in what to do about someone fraudulently signing my card and the case manager simply stated that the matter is closed as far as she is concerned.

I will close my account with Capital One and advise others not to use them. Why would I want any of their credit cards if they don't have my back when a merchant is attempting to steal from me?

What's in your wallet? I hope it's not Capital One.
Product: Debt collection

I have sent many letters to Summit Account Resolution to ask for verification of the debt, and Summit sent a letter stating that the account was verified, with no proof of me owing them. They did send a itemized letter with an address that I never lived at. I also reached XXXX about this and they only letters I recieved from them was stating the account was verified, but also had no proof of verification. I sent XXXX   and Summit many letters over a course of a year to send me proof of verification, not once have I ever gotten proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account, XXXX XXXX : TransUnion is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XXXX is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have recently graduated from college outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in college in XXXX and I can prove that I have been an active student in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Product: Credit card

I've requested SCRA state benefits under key provision state Pennsylvania to Navy Federal Credit Union and received an approval letter stating I had several accounts eligible for benefit. I sent in a copy of my XXXX to verify proof of residency and all supporting documents. Then 3 months later was told I was denied even though Pennsylvania KP, 4105 Enforcement of servicemembers Civil Relief Act ; XXXX XXXX XXXX and Reemployment Rights Act state it covers while on XXXX XXXX service.
Product: Money transfer, virtual currency, or money service

Paypal put limitation and holds on my account and then I could not get straight answer from them would hangup and end calls here is the reference number XXXX and statement they have on my account You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon viewing my credit reports I noticed my " XXXX - XXXX had a discrepancy in the Two-Year Payment History. Transunion and XXXX are reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. However, Equifax is reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. If this is the same account, reported by the same creditor how is the payment history different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please " PAID/PAYS AS AGREED, NEVER LATE " this item immediately. 



I have enclosed a screenshot for your viewing. Please see Two Year Payment History '' Section.
Product: Debt collection

On XXXX XXXX XXXX accounts with Blitt and Gaines I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT.