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

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested capital one auto XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Product: Debt collection

I contacted and sent over correspondence to Lvnv funding stated my account with the previous creditor was included and discharged in my bankruptcy. They are still trying to collect on this account despite having court documents.
Product: Credit card or prepaid card

First horizon bill due XX/XX/XXXX. Sent payment XX/XX/XXXX. First horizon did not cash until XX/XX/XXXX, so my bill for XXXX is {$350.00} which is over double my usual {$170.00} payment. I called & they refuse to fix problem. I sent out bill 9 days before it was due & now I'm getting very very expensive late fees that are bogus and they will not fix the problem. I need help. Thank you
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance {$720.00} XXXX XXXXXXXX Balance {$460.00} DPT EDXXXX XXXX Balance {$9100.00} DPT ED/XXXX  XXXX Balance {$4700.00} DPT EDXXXX XXXX Balance {$1900.00} DPT EDXXXX XXXX Balance {$2100.00} DPT EDXXXX XXXX Balance {$4800.00} DPT ED/XXXX  XXXX Balance {$1700.00} DPT EDXXXX XXXX Balance {$2600.00} DPT EDXXXX XXXX Balance {$2300.00} DPT EDXXXX XXXX Balance {$970.00} DPT EDXXXX XXXX Balance {$270.00} DPT EDXXXX XXXX Balance {$1600.00} DPT EDXXXX XXXX Balance {$4200.00} DPT EDXXXX XXXX Balance {$6300.00} DPT EDXXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$410.00} XXXX XXXX Balance {$460.00}
Product: Checking or savings account

XXXX XXXX XXXX XXXX, I entered XXXX XXXX XXXX XXXX XXXX New Jersey branch of Chase ( where I have an account ) and tried to make a deposit of {$500.00} in cash with XXXX of the machines that is situated inside the branch. There was a malfunction of this machine which took my money but then proceeded to shut down and did not give me credit for the cash that I deposited. 

I approached XXXX of the tellers who explained to me that they do not have access to these machines, I was told I needed to call Chase and lodge a complaint and a case would be opened, The teller tried to assure me that there would be a video of me at the machine and and reconciliation of money in the machine not credited would then be credited to my account. 

I left the bank and did call Chase, a difficult option in and of itself. After more than XXXX hours waiting on the phone I was finally connected to an agent who agreed to open a case with my complaint. Within 12 hours I was credited for the {$500.00} cash deposit. 

On XXXX XXXX XXXX the bank reversed the credit. I am no longer in New Jersey by this branch. ( If I were, I would approach the branch itself and demand retribution ). I have started communicating with Chase through their on line app with secure messages. 

Their initial response was " Your calim was reverse because we were uable to locate the fund. we do apology for the inconvenience. If you have any further questions please don't hesitate to reach out to us. '' Please note, this is a direct quote, spelling and grammatical errors are theirs. 

Needless to say, I was not satisfied with this response, I responded further with what the teller told me at the time of deposit ; that upon opening the machine the'lost ' money would be found and credited against my account based upon my claim and a video of the machine at the time I made the deposit. 

To which they replied " Unfortuatey this is not something we are able to process '' I have worked in accounting for XXXX years and I do understand reconciliations. Either someone from the bank stole my money upon opening the machine and finding extra money not accounted for, or more likely, it was credited to a general accout and no one has dug deep enough to find to whom it actually belongs. 

Chase is a big bully and there is not much I can do against them accept close my account with them, which I will do the next time I am in New Jersey. But I would appreciate a higher authority to enforce them to do a better reconciliation of unaccounted monies deposited in faulty machines. I would also like to see them fined for allowing faulty machines to operate and steal money from the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXXXXXX XXXX  ACCOUNT NUMBER # XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Product: Vehicle loan or lease

Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind. 
You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution. 
Yours Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my XXXX credit report it states that a company called Exter finance is an open account. I have never heard of such company, then I called that company and asked a few question. It turns out they are a automobile finance company. Only car finance I have is from XXXX. They search on my social security and as I thought there is no account under my name. I have no Idea how they have got into my account. 
Please fix
Product: Mortgage

Selene finance Lp took over as the servicer of this loan beginning of XXXX. The note originator had it set up that the first 4 full payments of the mortgage would be held from the cash out refinance amount in an impound to go towards the first 4 payments. The previous servicer followed this rule the one month they had the loan. This was then sent to XXXX and they started pulling direct payments out of my bank account as of XXXX while bypassing the impound that was sitting there for the first 4 payments. I contacted the servicer rep XXXX XXXX and the loan broker and note holder. XXXX emailed back XX/XX/XXXX stating they would return the incorrect draw and it would be about 3 days for me to receive it. I have since sent tons of emails and called multiple times and talked with the broker and note owner who both agree with me that what XXXX is doing is criminal. I have demanded over and over the return of funds and they said they would. XXXX also normally only respond one time over a 2-3 week period. Most of the time calling their phones they just hang up. They then as of XX/XX/XXXX pulled another wrong payment directly from my account. I was not to make any payments until XXXX however now XXXX is holding onto this extra money in their impound account and having a great time charging me double. Currently to dates they have taken {$2500.00} in wrongful draws. While holding onto an extra {$3800.00} in impound.
Product: Student loan

I been applying for Borrowers defense as I never received any transcripts or the degree from my school and the school was shut down for fraud and they keep denying me for borrowers defense as they said i graduated the school so i need the transcript proof and degree from the school as I need to know what I am paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Midland Funding LLC regarding incorrect reporting on my Credit report. Midland Funding LLC has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. Midland Funding LLC has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 Midland Funding Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.
Product: Checking or savings account

Navy federal has been having surprised fees since Ive been with them
Product: Mortgage

Good Day, I am hoping someone may be able to help me with this file I am working with XXXX XXXX in the XXXX w BOA ... she has been great to work with but I think we have run into an issue with the value and the new investor that has taken over as of approx. XXXX XXXX 2016. 
I had been countered at XXXX back on XXXX XXXX ... .I received an email XXXX XXXX there was a new counter per the new investor and they were looking for an additional XXXX dollars from the buyer and or agents. 

There is an appraisal performed from BOA and or the investor and this came in at XXXX in XXXX 2016. I also have a copy of this appraisal and a valuation letter from BOA that was used for the counter the buyer accepted. I feel the investor is taking advantage of a situation were there is no value and this was confirmed by both the BOA Appraisal and the buyers lender. I have explained to the bank if the investor is looking for a higher net or value the house needs to be rehabbed as houses selling for more money are rehabbed and in better condition. The buyers are first time buyers, they are a young couple w a small child and they made a fair and honest offer based on XXXX. They did make an attempt to locate funds from family but were advised it is not smart to overpay for something were the value is not there ... they would need to increase their offer from XXXX to $ XXXX and this is with slim closing costs the bank is paying. The loan is done and all they need is an approval and we can go to docs.. 
The agent is very upset as we had been given a counter based the valuation performed and we also have an appraisal also at XXXX from the buyers lender. 
My concern is any other buyer coming in will also run into the same issue and the value and or appraisal will be an issue. 
I am hoping you can help me..Thank you XXXX Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( XXXX ) OF TERM XXXX AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT CAPITAL ONE BANK DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : CAPITAL ONE BANK, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.
Product: Checking or savings account

XX/XX/XXXX Chase Bank texted me about a fraudulent charge on my account in the amount of XXXX. I immediately texted back no and the said that they will deny the charge via text. I then continued to excuse myself from work to go handle the situation over a phone call. This was right before XXXX mind you and the charged wiped out my entire account to the point I was negative. Forward to the conversation with chase, I filed the claim and they. reimbursed me the XXXX... now XX/XX/XXXX the decided that they will deny my claim again stating that my pin number was used to make the charge?? Made my account negative again and took back the XXXX I was already credited from them. This is madness. I stated my card was in my possession in the fist call and do not know how they were able to get my pin but this is what happened. I have been with this co over 18 years. now I am being charged for someone to steal my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Credit Report Third Notice Dear Credit Bureau Name , I am writing to formally request, for the third time, a copy of my credit report. I have previously submitted requests by mail, providing all required documentation. I am entitled to one free annual credit report and have not yet received a response despite multiple attempts. I kindly request that my credit report be sent to the address listed above. 

For verification purposes, please find my details below : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please process this request at your earliest convenience. I look forward to receiving my credit report within the time frame allowed by law. If there are any issues or additional information needed, I can be reached at the contact information provided. 

Thank you for your immediate attention to this matter. 

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

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on 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 # XXXX. 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$360.00}
Product: Debt collection

I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports. 

I never received a letter, nor was it removed from my credit reports. 

I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her. 

This piece of horse dung company thinks they can bully people. 

Not me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX