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

Chase bank removed my money from my account. They accused me of moving my money from one account to the other, but can't tell me where the money is. It is not in either of my accounts. They continue to give me the " runaround '', switching me from agent to agent. Noone can/will tell me where my money is. I get told different things by different agents, all conflicting with what the last agent said. I just want my money. My children and I are starving! I have not had access to my money in over a week!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing Several accounts from XXXX XXXX beginning in XXXX and XXXX. These accounts have no pay history recorded, but is stating that the account is charged off. How can this be. This is very inaccurate. Please delete this account from my account immediately. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX I purchased an animal from XXXX using my Citi credit card. Shortly after purchase and within XXXX posted live pet warranty period the pet passed away. 
I attempted to claim the pet warranty within petcos own posted policy and was turned away at the local store on XXXX separate occasions. The first occasion the employee on duty said that they were " to busy to deal with me at that time '' and flat out refused service on my second attempt. So I filed a billing dispute with Citi. Citi posted a provisional credit on out XXXX. However on XX/XX/XXXX I receive a notice that XXXX responded to Citi " the service was rendered to you as described at the time of sale '' so Citi has reversed the credit and will close the investigation with the info they have unless I can send proof otherwise... 

This does not in any way address the original billing dispute, the only option that I have to respond is by mail or fax and I can not include any sort of photos because Citi 's system apparently does not support that ( according to the document they sent me ). And at no time did anyone from Citi reach out to me to even discuss anything or request any info from me before just randomly closing the dispute on a generalized statement from the company that does not even apply to the issues at hand. 
Citi is not even attempting to investigate their billing disputes in good faith and I believe that they are violating my rights in their negligence.
Product: Credit card

Capital One willfully violated Federal Law, The Truth In Lending Act ( TILA ) the Credit Card Accountability Responsibility and Disclosure Act of 2009 Regulation Z, as well as the Fair Credit Reporting Act FOR ALL OF ITS CARDHOLDERS VIOLATING THEIR RIGHTS. Action must be taken against Capital One Bank for this egregious violation of tens of thousands of consumers rights under Federal Law. 

As per 12 CFR Part 1026 ( Regulation Z ) 1026.7 Periodic statement.

7 ( b ) ( 11 ) i ) Except as provided in paragraph ( b ) ( 11 ) ( ii ) of this section and in accordance with the format requirements in paragraph ( b ) ( 13 ) of this section, for a credit card account under an open-end ( not home-secured ) consumer credit plan, a card issuer must provide on each periodic statement : ( A ) The due date for a payment. The due date disclosed pursuant to this paragraph shall be the same day of the month for each billing cycle. 

Capital One willfully and unilaterally changed without permission of cardholders the billing cycle date, interest amount, balances, and due dates due to computer changes and then reported these false dates to customers ' credit reporting agencies. The lapse caused by the change in due dates caused customers ' credit reporting to show two missed payments due to the forwarding of the billing cycle. This has damaged the credit reporting of tens of thousands of cardholders. They are also in violation of FCRA as naturally the reporting of the balances, due dates, and other data related to the moved billing cycle started to report as wholly inaccurate. Changes in due dates caused some cardholders accounts to miss payments as the auto-pay was either disabled or moved. When Capital One changes due dates the customer bank account which are normally expecting an auto-pay may not have sufficient balance to cover the payment as their billing cycle has now changed.
Product: Credit reporting or other personal consumer reports

Hello, The credit bureaus Experian, XXXX, XXXX are reporting on my profile that I have a balance and missed payments currently however, I am in forbearance and not required to make payments at this time and this needs to be corrected asap. They are ruining my chances for getting approved for home loan, car loan and credit loan. I have provided proof of this forbearance attached.
Product: Mortgage

dear sir or miss when change XXXX  between mortage company, then without notice nor consent, they added escrow fee unknown. then they force me to pay monthly payment inclluding escrow fee. 

once again last XXXX  years i have been added and made renewal insurances but they said it is not useful or in valid or never understandable words and keep charging me. kindlly review all docuemnt today attached one.
Product: Debt collection

on XXXX I sent a letter to Midland Credit Management regarding an inaccurate debt collection being reported to my credit report. I repeatedly requested a validation letter I have yet to receive. I want this account removed from credit report
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a XXXX federal consumer violations EQUIFAX is furnishing with the XXXX XXXXXXXX XXXX  accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union XXXX XX/XX/XXXX and disputed inaccuracy like wrong names, employers, wrong addresses and unauthorized hard inquires ( below ) be removed from my credit file and they refused to do so and told me to file a FTC complaint and let them deal with the issues. Trans Union has been inaccurately reporting data on, my credit profile for the past XXXX plus months and continue to cause hardship for my family. I am requesting assistance to get the unauthorized inquiries below remove ASAP. I am starting to feel like they are retaliating against me because I filed a CFPB complaints against them XXXX months ago. They have me blocked from access my credit profile online. 
XXXX ( Construction ) XX/XX/XXXX XXXX CREDIT XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX FACTUAL DATA ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX FACTUAL DATA ( Miscellaneous ) XX/XX/XXXX 2021
Product: Debt collection

I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXXXXXX XXXX sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/20XXXX XXXX  sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXX. I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX  was unable to approve my application. I never applied for this either. 
PayPal informed online they sent me to collections. I was frauded on PAYPAL, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder XXXX XXXX. After calling XXXX they said I never made my XX/XX/XXXX payment. I make my payments every month thru XXXX app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to XXXX they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XX/XX/XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks XXXX for the classy treatment
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my disappointment and frustration regarding the deletion or blocking of accounts on my consumer credit report, as a result of a data breach or unauthorized inquiries. These actions appear to violate my consumer rights, as outlined in FCRA Section 605B and FCRA Section 604. I request verifiable proof with my signature/electronic signature to address this matter promptly. I have reached out to the companies responsible and have not received satisfactory validation or original proof for these actions, further compounding my concerns. This issue must be resolved by the Fair Credit Reporting Act. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX  XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXX  I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.
Product: Consumer Loan

Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due. 
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid off a collection in full to rent recovery solutions acct # XXXX** and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XX/XX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XX/XX/XXXX. I have proof of both removals. I was not notified in writing within 5 days of placing this debt back on my credit report. This is a violation of FCRA. As of XX/XX/XXXX I pulled my Equifax, XXXX credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XX/XX/XXXXand that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from Equifax stating this information has been verified and XXXX just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back inXX/XX/XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.
Product: Credit reporting or other personal consumer reports

The account XXXX was sold but still reports a balance. I know that reading my credit report TRUIST/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Product: Payday loan, title loan, or personal loan

The week of XXXX XXXX 2017 to XXXX XXXX 2017 I have spoken with XXXX who is the manager of Mariner Finance located at XXXX XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX. In our conversation I have explained to them that I am having difficulty with my entire debt that I have due to loss of income of over 20k. I was keeping afloat for a while, but then everything got to be too much in which i then decided to reach out to a debt company. When I let them know what I had to do, they educated to me that they do not work with these individuals and that they work with XXXX, in which I am trying to see what they have to offer. I am trying to work out the issue with this business and they are not willing to work with me. I am a little more than 30 days passed due and they are already sending letters about legal action. I also had to lose the car. Please assist me
Product: Vehicle loan or lease

Well i have a vehicle finance through Credit acceptance and i have owned it for 1 year now and im looking to get something newer now because they approve me with such a low credit score at the time it was only opportunity i had they offered a bumper to bumper and drive warranty come to find it like a XXXX option that added i didi have any clue and the vehicle is approximately XXXX from being uncovered on warrantys. Just recently i have got 2 quotes on truck for a trade in and be getting turned away because of who the truck financed through and 1 dealer specifically sat me down and told me everything about what going on and how Credit acceptance Corp Finessed all there customers out of credit and vehicle cause i basically cant sell it, I still owe XXXX for a XXXX XXXX XXXX XXXXXXXX with XXXX miles.
Product: Checking or savings account

The is regurding my chase bank account, Im try to send a XXXX transaction to one of my friend, but the transaction was reject, and my account was block, so i did try contact the bank and let them know that I do authorized this transaction and try to resolve this issues. but they block my account and Im not able to see my online banking and any other transaction and account details are not available to share, since its on the weekends, and the bank is closed they are not letting me to sign in to my online account.
Product: Debt collection

Im XXXX, I purchased a XXXX vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted XXXX several times and no response they said that I owed money even though I receive letters from XXXX credit and my insurance XXXX specifying it was paid off, they sold the so called debt to Credit Corp solutions all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, Equifax claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX XX/XX/2020 XXXX BANK XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  CARD XX/XX/2020 XXXX BANK XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020