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

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX   XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online personal photography since ( 2020 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX XXXX {$1900.00} XXXX {$1100.00} XXXX {$28000.00}
Product: Checking or savings account

The charge was in XX/XX/2020, in the amount of {$500.00}. The charge was from XXXX  XXXX. I have no idea who XXXX  XXXX  is. I do not recall ever, giving anyone permission to withdraw that money from my account. I spoke with my bank, Bank of America, and they said the charge was from an electronic check, which is odd because I never pay for anything using the electronic checking method. 
PLEASE HELP!
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from CCS Collections account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between CCS Collections and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had CCS Collections sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that CCS Collections provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I paid my mortgage off in XX/XX/XXXX in the amount of {$250.00} with Bank of America. When I did my payoff, they told me that I owed for Home Owner Association ( HOA ) dues in amount of {$2300.00} which I was not aware of, so I started to make payments in the amount of {$62.00} bi- monthly and they are still showing that I owe {$4200.00} as of XX/XX/XXXX. Attached is a fax from XX/XX/XXXX showing that my HOA dues were paid by BOA with a wire in the amount of {$2600.00}. When my house was paid off, I was sent a check for the escrow, so there should not have been any payments taken out after that. When I paid off my house, I was told by the escalation employee ( XXXX ) that I had to leave a dollar in in the mortgage account, so I left the dollar on XX/XX/XXXX and I made one final payment to pay off the HOA in the total amount of {$1000.00} which I paid on XX/XX/XXXX as requested by BOA. I was talking to my HOA when BOA intervened and made the situation much more financially burdensome. The HOA was willing to negotiate with me and I was not aware that BOA had paid the fees until I came in to payoff my mortgage loan. This has impacted my credit score negatively. I have tried to work with Bank of America since XX/XX/XXXX and have not have any success. In the meantime, they are still paying my taxes, which should be coming to me since XX/XX/XXXX. I have repeatedly asked them to stop paying my taxes and I can not get anyone to listen to what I need..
Product: Credit card

I have sent numerous written request for Tomo credit to cease and desist from debiting my account. They no longer have my authority and theyre taking {$10.00} every single week. I have tried to remove my account from the Tomo site, but its impossible. Ive called a phone number that no one ever answers and sent numerous emails and web requests with no responses. I also emailed the CEO XXXX XXXX on XXXX, but of course got no response, I want my account closed my bank account removed from access by Tomo as well as a refund of the {$400.00} that has been taken from me.
Product: Checking or savings account

The issue today is money ; specifically {$360.00}. This is the amount that I was unfairly charged by XXXX of XXXX in XXXX, Florida. Immediately after that charge was made, I went to a PNC branch in XXXX, FL to have it stopped. The employee there told me they stopped the charge. About two weeks later, another PNC Bank employee at a bank in XXXX, FL told me that PNC bank can not stop the charge but can put in a dispute. I gave PNC all the information they required. I heard absolutely nothing for the next few months. When I went to a branch, I was told nothing, I received no mail whatsoever, no text, no email, no nothing. 

PNC WAS TOLD NOTHING BEFORE XXXX BECAUSE THEY FAILED TO COMMUNICATE ANYTHING WITH ME DESPITE ME GOING INTO BRANCHES MULTIPLE TIMES. 

Much to my chagrin on XX/XX/2019, I was informed that PNC took back the credit and the reason was because I did not submit supplementary information. No one said anything about supplementary information. There were months full of chances to do that. Needless to say, I was an extreme financial emergency that day. I had a banker in XXXX get me the number for the corporate office and explained to them that I did not receive anything asking for more documentation and that it is ridiculous that here in 2019 with all the methods of communication that are available to us, PNC is still using the US Mail. I have placed at least half a dozen complaints with the postal service for lost, misdelivered, opened and misplaced mail.
Product: Credit card or prepaid card

I am a victim of identity theft. Beginning XX/XX/XXXX and have had numbers of credit cards, loans and accounts opened in my name without my authorization, knowledge or consent. My 3 emails, social media and phone were compromised. 
The actions I have taken are as follows : XX/XX/XXXX Filed Police Report # XXXX for Fraud XX/XX/XXXX Filed Police Report # XXXX for Identity Theft XX/XX/XXXX started to contact merchants that I am aware of identity theft against me XX/XX/XXXX - contacted my banks and closed all my checking accounts and credit and debit cards XX/XX/XXXX - Opened an account & filed a report to FTC XXXX Federal Trade Commission ) at Identitytheft.gov XX/XX/XXXX Contacted Credit Bureaus ( XXXX, XXXX, XXXX ) to put Fraud Alert/freeze on all my credit/identity XX/XX/XXXX Filed an Identity Theft Report at Office of the Inspector General at secure.ssa.gov XX/XX/XXXX Suspended my compromised cell phone One of those credit cards is a card with Upgrade , Inc . I was notified of this card fraudulently being opened by a welcome letter in the mail XX/XX/XXXX. This card was opened with a credit limit of {$10000.00} that was already maxed out before I received the card. I have reached out immediately and informed them of fraud. My response was that someone would get back to me, which I never received a response from anyone. I have reached out on 3 separate occasions. I have never activated nor used this card to my benefit directly or indirectly in any way, or have made any purchases on this card. I sent an email out on XX/XX/XXXX in another attempt to resolve this. My response to this email was a request for more information and documents which I complied with. I have submitted all documents that have requested from me, and all possible documents to prove my claim. My response from Upgrade , Inc. was returned with a request for even more documentation. I have provided the requested documentation and have not heard from them. I did not hear back so, I have sent a follow up on XX/XX/XXXX with an email. I have also followed up with dispute letter from the FTC Identitytheft.gov. On XX/XX/XXXX, I have finally received a response refuting my claim that this transaction is indeed fraud. 

However unfair this has been to me, I may be forced to seek legal action, of this if it continues, at your organization 's expense if this persist.
Product: Checking or savings account

Dear I am writing to express my deep concern and dissatisfaction with the service provided by Wise. On XX/XX/XXXX, my account was abruptly closed without any prior justification. At that time, the account held XXXX and {$91000.00} USD. 

Since then, I have encountered significant difficulties in recovering my funds. Despite providing all the correct banking details ( directly from my bank 's website, without errors ), Wise repeatedly claims that the details are incorrect and, consequently, has failed to process the return of my funds. This situation has been ongoing for almost a month and is placing my company in an extremely delicate position. 

I reiterate that the banking details provided for the fund transfer are correct, as verified and confirmed by me. The lack of an effective resolution and clear communication from Wise has caused substantial negative financial and operational impacts on my business. 


Sincerely,
Product: Credit card

I disputed the item. I contacted the store. They told me I had to pay to ship the item back. I filed a dispute. PayPal told me I had to Pay to send it back. They offered a voucher not a credit.
Product: Vehicle loan or lease

On XX/XX/XXXX I set up a payment plan with CapitalOne Finance for my XXXX XXXX. I recently had a huge drop in income and have been struggling ever since to get everything back to current status. The representative stated that they could set up XXXX payments for my past due amounts and it would put me back on track. I did receive confirmation emails for all XXXX payment dates as well. I called on XX/XX/XXXX to move the payment from the XXXX to XXXX because I would get paid and have enough to cover the first payment. They refused to do so since it was the initial payment but that representative said that I can always change the other XXXX if necessary. Payment thankfully posted and nothing else occurred until I received a letter on XX/XX/XXXX, dated on XX/XX/XXXX, a notice of strict enforcement of contract rights. I was confused because the rep who set up my account stated that the payment plan will prevent any letters or calls, clearly he was wrong. I called on XX/XX/XXXX asking why I received this payment even though I have a payment plan set up and that rep was talking and concerned only to set up another payment after my payment plan ends. I did the math of everything past due and broke it down and told the rep that making that additional payment would put me ahead not behind and I shouldn't have to do a double payment of my normal amount. We went back and forth about the math and finally she asked if I would like a copy of my transaction history and I said yes but it has to be mailed out so as of now I'm still waiting. I called them today, XX/XX/XXXX, to move it from the XXXX to the XXXX or XXXX since that is within the grace period and when I get a paycheck. The first rep cancelled that payment and put me on hold which ended up disconnecting the call, the second call with another rep kept talking the extra payment needs and wouldn't answer my questions about why I couldn't schedule a new payment as the original rep with the payment plan said I can. Again got placed on hold and disconnected. The third attempt was an even bigger mess, apparently more inaccurate information from the initial payment plan setup that if I change the date it would cancel my entire payment plan which the rep said on the line and I repeated twice to make sure I heard her correctly. I've changed payments before and never had a payment plan get cancelled because of it. It would seem that they are just trying to get more money than they should be and wanting to intentionally get my car repossessed no matter how many times I've tried to work with them.
Product: Debt collection

When I received the first call I said not to call me at work. Then I continued to receive calls that would advise it is the Hudson valley and to push a button on the phone to connect with an operator. After I started to write down each time I received a call at my place of employment. It has been 6 months and they 're still doing the same.
Product: Debt collection

CMRE contacted my work to get a hold of me and asked me if this is Blank. At work I ' am called a lot so they tricked me. I said yes thinking it was company calling about some issues work related. Then they said this is a attempt to collect a debt. If I read correctly they can not contact you on your work phone. 2nd they have been garnishing me for a year now. They 've been taking money out for a year and the amount they are suppose to take too is up to XXXX dollars to pay of the debt bill. But it 's past XXXX dollars and I 've tried contacting them and every time I call they said they ca n't provide a statement or do n't have the information on file. Please I can use some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax Re : Method of verfication To whom it may concern, I am requesting the Method of Verification for the disputed accounts below : XXXX & XXXX -Name of original creditor -Creditors address and telephone number -Documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts off my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting

The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.
Product: Debt collection

Since the month of XXXX I have been trying to dispute an amount on my credit report that was put there by Midland Funding, LLC. Since about 2017 the debt has been there for the amount {$490.00}. As of late a couple of times a month they will add {$1.00} which effect my credit and make my credit score go down XXXX pts then before then of that same month they will remove the {$1.00} they added and this tactic is all to keep my credit in shambles. I sent a debt validation letter and the letter showing {$490.00} but, then I got an email from XXXX in XXXX that the Collection went up to {$490.00}. According to Michigan law a debt collector does not have the right to add any fees or interest to any debt. I still protest that this debt is not mine and I want it removed from my credit report because, it is harmful to my life 's progress. Midland Funding LLC did not prove that they owned the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed this account due to fraudulent and inaccurate information reported. Only to DISCOVER TODAY ON XX/XX/XXXX that the PREVIOUS DISPUTE WAS BASED OF SOMEONE ELSE ACCOUNT AND I HAVE THE PICTURE TO PROVE THAT! 
My STAND IS THAT XXXX  XXXX XXXX MAKES HUGE MISTAKES AND THEN BLAMES THE CONSUMER! Please REFERENCE THE ATTACHED INFORMATION IN THIS COMPLAINT! This is a letter that was sent VIA CPFB! AND IT DOESNT BELONG TO ME BUT YET THEY STATED THAT MY INFORMATION WAS ACCURATE AND ITS NOT! In ADDITION THIS ACCOUNT IS CAUSING ME UNDUE HARDSHIP FOR BASIC LIFE ESSENTIALS HOUSING / CREDIT ETC! IM DEMANDING THAT THIS ACCOUNT IS SIMPLY REMOVED FROM MY REPORT SO WE CAN MOVE FORWARD
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX
Product: Debt collection

Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : YAMAHA MOTOR FINANCE XXXX. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 {$500.00} worth of virtual currency were stolen from me, using a social media scam. I reported the theft to the company Coinbase, that I had used to transfer the currency. The company responded with an email that said that it was not possible to trace virtual currency transactions, and that transferring such currency was not only risky, but only possible thanks to a complete lack of consumer recourse. I told the company that my rights non-negotiable and then filed a complaint with the XXXX XXXX XXXX. The following Monday, XX/XX/2018, after having received the XXXX XXXX XXXX complaint, the company responded with another email that said it had now locked and disabled my account due to security reasons. This constitutes severe harassment and severe discriminatory practices on behalf of this company. So far Ive lost considerable sums, due to numerous factors.