23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pinnacle LCC - Owner of the XXXX XXXX XXXX XXXX  ( XXXX ) XXXX and the house I rented a room in from XXXX XXXX to XXXX XXXX
The owner of the home I rented from Has posted a fraudulent collection entry on my credit report for {$600.00}.
He evicted me giving 3 days notice forcing me to sign an agreement to a 3 day eviction. This because I had been arested for XXXX XXXX and he said he read the police report. This did not take place at the rental property and this rich guy was trying to punish me for a the XXXX XXXX.
The owner of pinnicle LCC, and the manager at XXXX XXXX still owe me the remainder of the rent for XXXX after the XXXX XXXX eviction in addition to the {$350.00} deposit. {$500.00}.
This is insult added to keeping my rent and deposit money. Clearly, this guy has it out for me and he 's taking the time to violate me because of the XXXX. He 's writing on me credit report what about what he ows me to cause me more distress while taking a tax write off.
Product: Bank account or service

A check for an amount greater than {$4000.00}, dated XXXX/XXXX/15 was endorsed, presented, and accepted by a bank for deposit on XXXX/XXXX/15. I do not believe this to be proper procedure for a check to be accepted before the date written on the check. What can be done to ensure that this does not occur in the future?
Product: Debt or credit management

I paid to fix my credit but it was never fixed. Lexington law firm scammed me for for years with no real intentions on fixing my credit.
Product: Vehicle loan or lease

I have been a victim of identity theft since 2011. After my son passed away in my home i never returned to the home and gave all of my belongings to my family members. It was during this time someone very close to me stole my personal information. For years I have struggled to clean my credit report and i've always grown discouraged because there's always a new account or inquiries being reported. This has caused my credit score to always decrease and i'm very stressed with trying to fix everything. I have a car loan through american finance being reported on my credit report that i have been disputing with all three credit bureaus. This account does not belong to me and after reviewing all three credit reports they do not all reflect the same information. In accordance with the Fair Credit Reporting act I ask that these accounts be reviewed and removed from my credit reports because they have violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

I believe the person that stole my information is my sister XXXX XXXX because shes been connected to other accounts previously removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. XXXX, Equifax, XXXX has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.
Product: Vehicle loan or lease

At the time filling 2020 taxes no received the XXXX, account was cancelled and discharged for an amount of {$7400.00}. Never notified that was a balance taking interest when the car was sold. IRS auditored and put it like an income.
Product: Debt collection

i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX. 

I have made several attempts to resolve this issue by sending letters by XXXX XXXX to XXXX XXXX XXXX and letters to all three credit bureaus.
Product: Checking or savings account

On XX/XX/year> I sold a piece of real estate and on Saturday, XX/XX/year> my lawyer deposited {$970000.00} into my checking account at Chase from his escrow account. Because XXXX, XX/XX/XXXX was a holiday the deposit was credited to my account on XXXX, XX/XX/XXXX. When I went online to check my account it showed the money was on hold. 

On Wednesday XX/XX/year> I went to my Chase branch at XXXX XXXX XXXX, XXXX, NY XXXX during my lunch hour and spoke with a representative named XXXX. I asked her when the hold would be removed and she looked at my account and told me the hold had already been removed and that I could move the money out as needed. 

I went back to my office and via the internet I transferred {$50000.00} to my Coinbase account, then I transferred {$600000.00} to my XXXX account. The next day I logged into my online Chase account and saw a bold message in red XXXX saying that I was overdrawn and that my funds were on hold again. I went back to the Chase branch to ask them what was going on and why did the funds get re-held. XXXX did not know and sent an escalation request to their headquarters and told me someone would call me in XXXX hours. The next day, Friday XX/XX/XXXX I went back to Chase to ask them if they could at least release the {$50000.00} XXXX sent to Coinbase because I would have to sell the Bitcoin I purchased with the money and I would suffer tax consequences. The bank XXXX tried calling headquarters and they said there was nothing they could do and would not release my hold until XX/XX/XXXX. 

I had to sell my XXXX because XXXX notified me they would start selling the coins in my account up to the amount of {$50000.00}. Chase rescinded the {$600000.00} from my XXXX account, and when they rescinded the funds they also cut my bank link to XXXX. So now on XX/XX/XXXX when the hold on my account is over I will need to re-link my Chase bank account with XXXX before I can transfer money. Additionally, I will not be able to relink it over the internet- I have to complete a Bank Transfer Service Form, have it notarized by Chase, and mail it to XXXX for processing, causing the relinking to take much longer than it typically should. If I were to link a new bank account from another bank to my XXXX account, it will require me to transfer the money from Chase to a new bank account, the new bank will potentially hold my funds for another 10 days and cause me more stress and financial loss and inconvenience. 

By not giving me access to my money I am losing interest on money that would have went to my XXXX XXXX fund which is currently paying me 4.27 % interest. I have been a customer of Chase for XXXX  years and the treatment I have received from them this past week has been absolutely criminal as they are literally trying to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check revealed 3 felonies in XXXX XXXX XXXX, MO. Screen was for a DOB XXXX - XXXX. Therefore, any individual with my name could report as a felon for ANY birthday ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

In XX/XX/2022, I received a checking account statement from Wells Fargo for a checking account that I did not open. After speaking to several people and filing an identity theft report, they assured me the account was closed. However, it is still open, and I am still receiving statements from Wells Fargo.
Product: Checking or savings account

I have made numerous calls to Synchrony Bank regarding my CD. We called well in advance of the CD maturing to provide instructions that we wanted to transfer the amount when the CD expired. I also had to call Numerous times when we originally opened the account. They have been extremely incompetent throughout this entire relationship. 

I now received an email that my CD is renewed and doesnt expire until XXXX XXXX XXXX I would like my money and all of the interest accrued during the 9 month term released immediately with no penalty or fees. I provided very clear instructions to the agent during our call.
Product: Debt collection

After pulling my XXXX credit reports on XX/XX/XXXX I found BONNEVILLE COLLECTIONS holds a debt against me for XXXX XXXX XXXX in the amount of {$540.00}. It states the first delinquency date is XXXX XXXX, XXXX. I personally have never contracted any services from XXXX XXXX XXXX. I have never had any utilities in my name in the XXXX XXXX XXXX 

I disputed this collection and was denied. I am seeking for it to be removed because it is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX names on my credit report. My name and ss and my twin name is ss. XXXX XXXX XXXX XXXXXXXX and XXXX I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, XXXX nor XXXX, XXXX.
Product: Mortgage

On XXXX XXXX, 2016 our mutual client received correspondence from Wells Fargo stating that they had received our request for a short pay off. They stated they needed a Letter of Hardship and Verification of funds which was sent and received on XXXX XXXX, 2016. The letter also stated that it would take 60-90 days to review for the request. As we waited for a response we never received any updates or response from Wells Fargo until XXXX XXXX, 2016 declining our request. The borrower showed a valid hardship which included the death of their only daughter. The borrower also requested to settle the debt for {$450000.00} which is more than a considerate amount. Before he knew it there was a sale date of XXXX XXXX, 2016 placed on his home and he scrambled to gather documents for a loan modification because he so desperately wants to keep his home. After submitting all the requested paperwork by XXXX XXXX, 2016, the investor has still denied any review for retention options. Wells Fargo re-entry team has denied all retention options for the client for no reason. The borrower has sufficient income and provided all the documents in a timely manner. Due to Wells Fargo not getting back to us within the expected time frame we are now here at this point. Wells Fargo has violated CFPB rules and regulations and has continued to do so without repercussions. There is a good reason why they seem to be on the news every other day about lying to borrowers and not having their best interest.
Product: Prepaid card

Tried to use the card at XXXX who does not require a CVV code. It was declined. Then tried it at XXXX that does ask for expiration date and CVV. That purchase was declined. Called American Express and they claim no expiration date and CVV were sent so it was declined. Card has a balance. Checked on redit and this is very common. American Express is committing theft by not allowing their cards to be used anywhere including in store.
Product: Debt collection

I made 3 payments to Klarna in the month of XXXX totaling XXXX. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account was up to date and according to the app I had paid on time. Now they are trying to say that i owe a XXXX late fee when I was already charged a XXXX late fee in XXXX. 

Now on XX/XX/XXXX I made a payment and apparently I can not be refunded my XXXX because of that. Which makes zero sense. 

Companies that take advantage of people like this should be fined.
Product: Mortgage

Due to a weather events our house sustained damages in the neighborhood of {$57000.00}. Because it was XXXX in damages the mortgage company restricted my loss drafts. The last draft was due to the contractor and myself to recover the depreciation values and the supplemental repairs. The mortgage company refuses to release the last payments and claim that they need more documentation both our contractor and ourselves have provided that documentation 6 times already via fax, email and regular mail. When we call for an update on your checks they ask for the same documentation that has already been sent to them 6 times. They also make you wait 3 days for an update and when you call back, again the ask for stuff that was already provided to them. There is no consistency with your case manager, you always get a different person and it is always the same excuses. The company is Penny Mac.
Product: Money transfer, virtual currency, or money service

My account was compromised and used without my permission
Product: Checking or savings account

My checking account disappeared from my online banking and app of chase. The situation started sometime between XXXX. XXXX and XXXX. XXXX. The situation ends on XXXX. XXXX. However, I am writing to complain several things during the time period. 

XXXX. There was a customer service person reaching out to me regarding management and investment for my other accounts. I complained about this. He promised me this can be resolved and the rent I already scheduled out on XXXX. XXXX will arrive on time. He also made a follow-up call for XXXX. XXXX, after assuring me the rent I paid will be received by my landlord. Turns out this is not the correct information, which results in a {$37.00} fine from my landlord. 

XXXX. From the XXXX, I tried to reach out to chase in other means than phone call because I was sick and wasn't able to speak at that time. The chat bot on the app was not helpful. But later I I can contact chase on the social media, therefore I contacted it through twitter. I believe this was how the disappeared checking account got restored. 

XXXX. On XXXX. XXXX, the customer service person reached out to me again. Since he doesn't has accession to resolve my issue, he redirected my call to another customer service person ( the second customer service person ). The second one wasn't able to listen to my problem or understand it, because he insisted to look for a {$37.00} charge on my account. Therefore, he transferred me to a third customer service person. 

XXXX. The fourth customer person seems to be trying to trick me to say something against my advantage. She tried to make me say I didn't make the phone call regarding my account. However, I was reached out to by a customer service, and I reached out to chase by other means when I was not able to speak. She then said my account was frozen at that time because it was suspected having some fraud. I asked her why chase didn't give me any notification about this suspicion or account frozen issue, she said she need to redirect me to the security department but then the call was hung up. Moreover, the " fraud suspicion '' was incompatible with the explanation in the secure message on XXXX. XXXX, which states that the account was dormant, not frozen.
Product: Debt collection

XXXX XXXX keeps calling my retired parents house and is leaving messages about collecting a debt from me. I have not lived there since XX/XX/XXXX. This is a huge invasion of my privacy. They call five or more times per day, every day, in addition to calling my cell phone. I answered the phone call while I was visiting my family and said to NEVER call that number again and they will not stop. They threaten legal action. My elderly parents have been caused stress and it has caused family stress.
Product: Credit reporting or other personal consumer reports

I have submitted to the credit bureau to have a debt from XXXX XXXX XXXX removed several times. The debt collector has re-aged the debt. I have sent evidence of this, yet the credit reporting agency has not removed it. They keep stating that the debt buyer is correct. The last date of payment to XXXX XXXX  was XX/XX/XXXX. The account became delinquent on XX/XX/XXXX. No further payments were made to XXXX. The balance at the last statement ( XX/XX/XXXX was {$1200.00} ). XXXX XXXX  to did not close the account until XX/XX/XXXX. In the remaining 34 months before XXXX charged off the account it accrued {$2900.00} in late fees ( {$40.00} per month ) and interest. I did not use this account during that time nor were any payments made. I currently also have a complaint against XXXX for this account as well as I have asked them to remedy this situation as well several times. Re-aging a debt is illegal and is causing difficulty for me to buy with credit as well as my ability to rent a home.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave XXXX or TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The company that is furnishing this information to the credit report agency has failed to validate this account. I submitted a XXXX complaint on XX/XX/XXXX which I will attach showing that XXXX responded stating that the XXXX XXXX failed to reply. The account also states that this is a collection, but there is no collection agency on the account which is another violation. I will also attach the dispute letter sent to the credit bureaus on XX/XX/XXXX which is dated, and time stamped. XXXX has since removed this account. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}