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

On XX/XX/2024 I received my Social Security deposit of {$1600.00} to CHIME I was sent an email saying it was in my account. So I logged in and saw it. I went to transfer money to another account and it would not go. So I went back into accounts and saw my money was gone. I called customer service at XXXX and asked where my money went? She asked if I just made a transaction and I replied no! I saw it went to XXXX XXXX. I called back and explained I did not withdraw anything she told me you file a dispute I saw the money was only " pending '' and why they could not stop it? she said that's not how it works and it will take up to 45 days to get a credit. I explained I needed it now she did not care. So I called XXXX and they said they could stop it from being used my debit card and would contact XXXX XXXX XXXX also. I called back 5 times to see what else they could do and they said there was nothing else that could be done.
Product: Credit reporting

I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure, I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones, this makes absolutely no logical sense. This seems almost retaliatory and capricious in nature.
Product: Money transfer, virtual currency, or money service

I made a XXXX XXXX payment through zelle on XX/XX/2019 for the amount of {$2000.00} to my non-XXXX account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my XXXX account, but never reached my XXXX account. I called Zelle and they said that the transaction failed and the bank should return the money to my XXXX account. I called XXXX and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my zelle  accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.
Product: Credit reporting or other personal consumer reports

A copy of my credit report was recently examined by me. Finding out that I had been the victim of identity theft startled me. My credit report contained a large number of accounts that I had not opened. I'm in the midst of purchasing a house for my family, so this has been hurting me. As soon as you can, please take the fake accounts off of my credit report.
Product: Debt collection

I requested the debt collector not communicate with me on XX/XX/XXXX and gave instruction on how I was allowed to be communicated with. This debt collector violated my rights under the FDCPA. See attached. I contacted the USPS and they have confirmed that my notice is in a Post Office in XXXX, IA without pickup from the debt collector since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. Portfolio Recovery mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, Portfolio Recovery undated my credit report with the balance and shows XX/XX/2016 as the date for the update after I made the agreed upon payment.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX with from XXXX XXXX with XXXX miles on the odometer at time of purchase for {$23000.00}. Financing was provided by Capital One. The manufacturers warranty on the power train was spoken of as still effective till XXXX miles. All of the contracts that came with this purchase showed as is manufacturers warranty only. Further investigation shows that manufacturers warranty is only available to original purchaser. 

The vehicle developed an issue overheating and needed servicing on XX/XX/XXXX. We had the vehicle towed to XXXX XXXX in XXXX and had the diagnostics done. It originally was an issue with a cracked radiator cap and then the thermostat needed replacement. When these repairs were done they found gaskets needed replacement. This came to {$3800.00} total and took 2 months to get parts and then it was found that there were metal shavings found in the cylinders and that these would need replacement. This brought the total to {$6200.00} and once this work is done other problems may still be found. I contacted Capital One Auto Finance to see if we might be able to refince our loan I contacted XXXX customer service and put in an assessment for help with these repairs due to the young age of the vehicle and after a couple of weeks I was notified that there was no help available from XXXX XXXX. 

I am unable to find any way to pay for this repair and only see myself paying for this loan which is currently around {$16000.00} and selling this vehicle to a junkyard.
Product: Debt collection

A law office repeatedly calls me on a weekly ( or even more often ) basis. They apparently serve as a debt collection agency. I discovered this by XXXX their phone number. They leave the following message : " This is the law office of Linebarger, Googan, Blair, & Sampson calling for ( so-and-so ). This message is in reference to account number (  such-and-such ). ( Unintelligible ) call XXXX. '' I called the number several months ago and left a message telling them they have the wrong number. I said : " Nobody by the name of ( so-and-so ) lives at this number. Please stop calling me. '' They have not had the decency to cease and desist, so I am filing this complaint. If they keep calling me, then I may hire an attorney.
Product: Mortgage

Last year Chase changed my billing address without my knowledge... it took nearly 4 months to fix ( they sent bills to the new address in FLORIDA no payment was ever made from that address ) After finding out and finally understanding that they did this without my knowledge and I had to send payments via Priority Mail Signature Required ... .more than 4 times at my expense. When they finally got the billing right the never corrected the address on I.R.S. Form XXXX ( Interest Statement ) ... they said they would ... ..NOW THIS YEAR THEY DID IT AGAIN and I am now nearing THREE MONTHS and they have not sent me the corrected form. The I.R.S. states that the one PAYING the mortgage should get the form ... ..told them this and had to send two letters to XXXX XXXX , the supposed Executive Director for Chase in charge of Customer Service ... .that was worse than dealing with their Overseas Customer Service and Stateside Customer Service ! THEY DON'T READ THE COMPLAINTS, just send really bad photostat copies of form letters with information that has nothing to do with the complaint. I have been paying this Mortgage for 18 YEARS!! Never missed, always from my same address, the address the Mortgage is on... ..I can't get them to understand that they should NEVER change my address without my knowledge ... XXXX XXXX is simply clueless... he doesn't understand that, He states that my wife ( who apparently made these two requests ) DOES NOT PAY THE MORTGAGE AS THEY SHOULD REALIZE ... They have sent her mortgage statements at least three times between both changes... WITH NO PAYMENT!! I just need one simple thing, that a XXXX XXXX XXXX could have done on the computer in XXXX minutes ... XXXXJUST CHANGE THE ADDRESS ON THE XXXX!! If my wife wants a copy, she can request one... XXXX XXXX doesn't seem to understand. Tax time is here ... I NEED THIS DONE!
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me XXXX XXXX XXXX XXXX because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX & XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

I have reason to believe the practices of this company are unfair, deceptive and fraudulent and violate my rights under the 5th amendment. They claim they owe a debt but havent delivered to me upon my request a instrument of indebtedness. The original copy of the instrument I signed in which I owe a amount. There are inconsistent reports on my credit report and this calls for a investigation. I sent XXXX XXXX XXXX XXXX a offer to settle collections accounts under the policy number : XXXX This document was sent certified mail on XX/XX/2021 requesting the original instrument of indebtedness in its original form. Please I would like to investigate the matter to see if they are fairly and appropriately handling my information
Product: Debt or credit management

I keep getting emails from XXXX about a balance I owe them. I have never took anything out with them or XXXX XXXXXXXX XXXX In all the emails it states I did make payments in XXXX  but I have never made those payments to them or been in any contract or agreement. However they keep contacting me about a balance of over {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial services auto loan show incorrect payments dates on all 3 credit bureaus, XXXX XXXX XXXX and XXXX had differently payment history that is incorrect and need to be correct it since I was never late Westlake financial services Account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed several disputes to XXXX, Transunion XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Product: Credit card or prepaid card

I have Capital One Credit Card, and I was responsible customer, until I had accident. I wasn't able to work almost one year. During that period I had a hard time to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. 

Safe rent made XXXX unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VERIFY THEIR ERRORS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. They did not need to speak to me by phone when they blindly compiled this bogus report, therefore they do not need to speak with me by phone to fix it.
Product: Credit reporting or other personal consumer reports

Original company was XXXX and I never had XXXX account and furthermore it was during COVID era and I lost business, house and everything. Account charged off and collection agency stalled reporting to make the report last longer affecting my credit. I on multiple occasions reported that account was not mine and I have been ignored. It's XXXX
Product: Debt collection

On XX/XX/2019 at XXXX we received a call from CONVERGENT ( XXXX ) asking for XXXX XXXX. After connecting with an operator I stated that we were a company and the operator disconnected the call immediately
Product: Credit reporting or other personal consumer reports

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. Veros credit refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. Veros wont do anything although they made me file fraud report
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, XXXX, and XXXX. The account that this complaint is about is Bank of America ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being Bank of America. Now I am getting a response to my dispute from Bank of America as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now Bank of America is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because Bank of America is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Product: Consumer Loan

Lease of a XXXX XXXX. 
Ally Bill in XXXX had the followng : Miscellaneous fee of {$760.00}, no explanation. 
Dealership Responded : Thanks for sending that over. I just got off the phone with Ally. The correct documentation is in your account, so they are investigating exactly what happened. 
The property tax charge of XXXX does seem to be in error. 
Dealership Response : I wanted to let you know that Ally has made the correction on your account. The balance for property tax has been reduced to {$150.00}. 
Payment of property tax does not reflect on your credit. If you decided to not pay the property tax during the lease, Ally will simply collect at the end of your lease for the three years combined. 
I do apologize for the amount of time that it took to get this resolved. It had to go up many levels within Ally before official signed off on. 
Complaint : I have requested that Ally provide the actual documentation from the XXXX County, Texas tax office billing me a property tax for my XXXX leased vehicle. This vehicle was purchased for personal use and the state of Texas does not charge property taxes on personal use vehicles. 
I have not received any proof that this was a property tax bill by the Texas, XXXX County. Ally has not provided any legal document to confirm this tax bill. 
Also, I requested an explanation on how they reduced the " suppose '' tax bill to {$150.00}. I have received no explanation. 
I believe they are in violationof the " unfair, deceptive, abusive practices ''
Product: Debt collection

I have demanded by mail using certified mail # XXXX XXXX XXXX XXXX XXXX midland credit provide me with validation of this alleged debt they claim I owe and that they cease all communication with me per my rights under the FDCPA. They have failed to comply. The FDCPA defines communication as '' the conveying of information regarding a debt through any medium. Because they continue to report this alleged debt they have violated the FDCPA and that means they have harassed and abused me per 15 usc 1692d.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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: Bank account or service

I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX THE BANK OF MISSOURI ) XXXX Balance : {$740.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and legitimacy of the following accounts that have been fraudulently reported under my name. These accounts do not belong to me, and I request an immediate investigation and removal in accordance with : 15 U.S.C. 1681g ( Right to disclosure of information ) 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) Fraudulent Accounts to Be Investigated & Deleted : 1. XXXX XXXX ( Student Loan Account ) TransUnion Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( Student Loan Account ) TransUnion Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX XXXX. XXXX BANK XXXX XXXX Credit Card Account ) TransUnion Account Number : XXXX Balance : {$290.00} Credit Limit : {$300.00} Credit Usage : 98 % Balance Updated : XX/XX/XXXX Account Status : Open Date Opened : XX/XX/XXXX Legal Basis for Deletion : Per XXXX U.S.C. 1681g, I formally request full documentation verifying the accuracy and ownership of these accounts, including : Signed original loan or credit applications Any communication between me and the creditors Loan disbursement records or transaction history proving my authorization If you can not provide valid proof that I authorized or opened these accounts, you are legally required to block and delete them from my credit report immediately per 15 U.S.C. 1681c-2.