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

Theyre deliberately ignoring my emails and claiming my dispute is false I sent in police report I lost my car because of this XXXX bank my lawyer says file this complaint first then come back when done
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I tried applying for having but I noticed several hard and soft unauthorized inquiries on my credit report that needed to be removed. Experian & XXXX did not properly investigate my disputes and failed to remove or reinserts errors on my report, threatening my access to credit, employment, and housing starting from XXXX until XXXX. My credit score isnt correct nor have my Legal name have been corrected XX/XX/XXXX I reached out to the company about several soft and hard unauthorized inquires like : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX and told me to write a letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/16    I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX   XXXX   I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score  on all 3 reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Product: Checking or savings account

I recently deposited an inheritance check I received from the estate of my grandfather. I was told the funds would be held for up to 10 days, which I expected. The following day ( Saturday, XX/XX/XXXX ) I received an emailed alert from Chase that to " help protect against fraud, we restricted and may need to close your account soon, '' and provided a contact phone number. I did try at that time to reach out but after being on hold for XXXX minutes I had to hang up. I called again today, XX/XX/year>, as I received a second notification that my account was restricted and may be closed. When I called and got through to the correct person to handle my account, they questioned me about the " business '' that issued the funds and that they had to verify the business. I explained that there was no business, that this was coming from an account set up to handle outstanding bills for the estate. They repeated that they needed to verify with the business and did I have a phone number to reach them. I offered the phone number of the executor of the estate which is who signed the check and of course they could not verify this number as belonging to a business. I explained again there was no business involved and asked why they were not contacting the bank the check was written from ( XXXX XXXX XXXX XXXX ) and I was told they could not contact the bank and must have the business that the account belonged to. We went back and forth multiple times with me explaining I could not give them what they were asking for because it does not exist. I was told they could not release my account and my funds at this time and I was told to call back on XX/XX/year> to " try again. '' XX/XX/XXXX is the 10-day mark. I asked what the difference is between dealing with this today or on the XXXX and he could not give me an answer. XXXX XXXX to all this is that my entire checking account is frozen and not just the funds I tried to deposit. I was so frustrated during the phone call that I did not ask why it was legal for them to freeze my existing funds that have nothing to do with the deposit I made. I am now unable to make any bill payments while this is ongoing as my account is " restricted '' and my debit card was listed as a closed account ( which I discovered when I first tried calling on XX/XX/year>, however I am still able to log in online to my bank account and see my balance and the pending deposit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$7700.00} ; XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$2100.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1100.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; CXXXX XXXX XXXX XXXX Inquiry : 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

On XX/XX/2024, I went window shopping for a car with XXXX XXXX XXXX. I specifically told the salesperson who assisted me that I wanted to avoid multiple banks pulling my credit, and I wanted my information to be sent to just XXXX bank. She assured me that they would do exactly as I told them. However, that was not the case ; they sent my information to multiple banks. I did not end up buying the car because I had an emergency. I called the dealership the following day and told them I couldn't buy the car anymore, and the vehicle is with them. I did not even test-drive it ; I asked them if I could come back in the future when I could. That was when the dealership and the sales XXXX threatened me that there no way out of this loan and the financing bank had already paid them. I called the bank and explained my situation, and they told me that it usually takes a couple of days to finish the auto loan paperwork, and they will not release the funds to the dealership since the car is not in my possession. Still, the dealership continues to call me to come and take the car and still threatens me using the bank 's name. I called the bank XXXX XXXX, and they assured me they had yet to release the funds. They also told me they would contact the dealership to stop using their name to threaten me. 
Meanwhile, all these happened in early XXXX. To my shock today, this dealership got another financial bank named TD Auto Financial in my name without my knowledge. I could not believe it. This is unethical, and I need that loan {$33000.00} to be removed from my credit history. I did not have their car or even XXXX XXXX it. Please, this is urgent. I should not be paying for what is not in my possession. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
Experian reports XXXX XXXX reports XXXX XXXX  reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX I applied for a re-finance loan with JP Morgan Chase mortgage. XX/XX/XXXX email update states I need to provide creditor with " Can you send a copy of the back of that Discharge of Debtor? Our review team is needing all pages ''. I filed bankruptcy XX/XX/XXXX. Why is a creditor looking at that on credit bureau 12 years later? When I filed the attorney stated it would only show for 10 years. 

Now I can not refinance since I can not provide this paperwork, albeit after statue of limitations date is past. I find this unacceptable, how can it be fixed on XXXX? 

Thanks much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have XXXX and the original creditors remove these two collections accounts They NEVER were my accounts and they were opened without my knowledge or consent. I have not lived in XXXX in over 12 years. My permanent address is in XXXX and I have lived and worked in XXXX and XXXX since 2008. I am attaching my ID 's to confirm this. XXXX NEVER resolved or investigated this, and keeps saying the accounts are " confirmed ''. This is libel and slander, and could cause me to lose my security clearance. I never lived on XXXX in XXXX XXXX or on XXXX XXXX on XXXX. 

I never opened or had accounts with : Comenity Bank Express Comenity Bank AnnTYL
Product: Debt collection

Company continues to call after providing proof of settlement of debt by my insurance company. The first letter stated I owed XXXX, I then contacted the company and faxed them my XXXX which showed my insurance paid the bill in full and disputed the claim in writing within the 30 day period. They then threatened to call my friends and relatives staying after reviewing the XXXX I owe XXXX according to the XXXX. I attempted to call the original creditor but they have gone out of business. They call several times a day harassing my family and friends.
Product: Bank account or service

I been a account holder with SunTrust Bank for many of years. I currently have a checking & savings account with the Institution. Approximately 2 weeks ago I notice a fraudulent deduction from my checking at that time I continue to review my past account history and noticed I had several unauthorized deductions from my checking account XXXX from the same company and XXXX from another company. I filled a claim with SunTrust Bank in XXXX Md Branch on Monday, XXXX XXXX, 2016. Friday around XXXX I called to check the status of the investigation the the representative of SunTrust stated that they seen me a email concerning the investigation. I checked my emails and notice they was no mail from SunTrust. Once again I did not authorize these deductions from my account. And I never heard of these companies before
Product: Mortgage

We have been working with SPS since last year. Completed workout paperwork and they keep coming back wanting more and more paperwork. Started working with a HUD approved counseling service in XXXX. Submitted documentation they wanted. Had to resubmit everything in XXXX. Keep having to submit more and more paperwork. They wanted Profit and Loss statements- provided a couple of times- they then came back and rejected and indicated they wanted their own form. Never told us that prior to the call on the XXXX of XXXX. 
Submitted - received Notice of Default and need to cure by XXXX. When asked they indicated they do that but not to worry about it as we are working with them. It is hard not to worry as we have been working on this since last year with no resolution.
Product: Credit card or prepaid card

XX/XX/2020 for XXXX to XXXX. XXXX was not authorized nor would release my payment. Had to file a dispute with current bank app. The issue was supposed to be resolved in 90 days however they just keep telling me there is no update. 

Also if you have direct deposit, pay for XXXX premium member and it is at least 500 a month you are supposed to get XXXX overdraft. I exceeded their requirements and they say I dont qualify for that and will not tell me why but their terms state all you need is the above I listed
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer report. The following falsely reported inquiries are XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with them, Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), 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, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

I noticed there was a charge-off account for XXXX on my credit report that was not mine. I sent 3 letters to XXXX, XXXX, and XXXX notifying them of the error and asked them to verify the debt. The letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no response. I then sent a certified letter directly to XXXX XXXX XX/XX/2022 notifying them that the debt was not mine and if they had reason to believe it was mine to provide proof. Based on the tracking number, XXXX received the letter on XX/XX/2022 at the listed XXXX XXXX on my credit report ( XXXX XXXX XXXX, XXXX OH XXXX ) but they have yet to respond to my request. This is not my debt. I've attached the letter sent to XXXX XXXX Also a copy of the certified XXXX screenshot with the delivery date.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments Information is not accurate and fraudulent
Product: Debt collection

Auto Loan was paid in full on XX/XX/year> as reflected on credit report. The loan involved an uncertificated security, which serves as the collateral for the loan, not the vehicle. This interest is registered but not documented with a physical certificate. I filed Bankruptcy under XXXX XXXX on XX/XX/year> and One Main was listed as an unsecured creditor and that the debt was disputed. One Main did not rebut or contest the filing. One Main did not attend the Meeting of Creditors ( 11 U.S.C. 341 ). One Main did not file Proof of Claim as required. Under 11 U.S.C 524 ( a ) any attempt to collect on a discharged debt is prohibited. Despite the loan being fully paid and discharged. One Main has failed to issue a lien release, which is required under UCC 9-513. A UCC search confirmed that no lien exists on the property. One Main Financial continues to act as though there is a valid secured interest despite having no legal claim or perfected lien. One Main has sent me communication of their attempt to repossess the property which under these circumstances constitutes theft and violates state and federal laws. One Main is also in direct violation of several consumer protection laws including TILA by misrepresenting the collateral and failing to provide accurate disclosures. FDCPA through coercive and threatening tactics to collect a debt that is not owed.
Product: Debt collection

I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.
Product: Debt collection

I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this illegal and misleading information deleted from my credit report from credit acceptance corp. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days
Product: Debt collection

in XX/XX/XXXX, i had file for chapter XXXX due to my medical problems and include all my credit cards, medical, bills due to the fact the l have a XXXX, and the court discharge all my debts, but no matter how many times l tell them and call them the l fille for bankrupt, they still call me and report the old charges the l had '' in the pass, plus this has efected so bad the credit, the l cant even rent a apartment due to the fact the this shows on my report, now my question is were does the costitution protected one from matters like this? does the bankruptcy Abuse and prevention and consumer protection act protected us? dint the congress in XXXX XXXX signed into law by president XXXX XXXX XXXX, my question is why don the credit bureau folow the laws?
Product: Debt collection

I am now aware that Care Credit has been taking advantage of me and violating my federally protected consumer rights.15 USC1605 states that a finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Care Credit has been engaging in deceiving and misleading practices and has been illegally billing me every month for the past 22 months ( XX/XX/XXXX to XX/XX/XXXX ). Due to their fraudulent practices, I have struggled every month coming up with the total of {$2000.00} that I have paid them during that time.This has caused me unnecessary stress and financial damage.
Product: Credit reporting or other personal consumer reports

Re : Inaccurate Reporting of Account Number : XXXX I am writing to formally dispute the inaccuracies in the reporting of my account with XXXX XXXX XXXX XXXX The details of my account as reported by the three major credit bureaus ( XXXX, Experian, and XXXX ) contain several errors that must be REMOVED immediately. 

Account Information : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$19000.00} High Credit : {$15000.00} Payment Status : Late 120 Days ( XXXX and XXXX XXXX, Late 180 Days ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX XXXX Disputed Inaccuracies : Failure to Conduct a Proper Investigation : As per the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( b ), XXXX XXXX XXXX is required to conduct a reasonable investigation upon receiving notice of a dispute. Despite my previous requests, there has been no evidence of a proper investigation into the inaccuracies on my account. 

Failure to Report Investigation Results : The FCRA also mandates that the furnisher of information must report the results of the investigation to the credit reporting agencies. XXXX XXXX XXXX has failed to do so, thereby violating FCRA Section 1681s-2 ( b ). 

Inaccurate Account Status : According to the Truth in Lending Act ( TILA ), accounts must be reported accurately. The account should have been reported as closed after 180 days of delinquency, not open. The account continues to be reported as open and delinquent every 30 days, which is inaccurate and misleading. 

Failure to Mark Disputed Account : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), failing to mark a disputed account as disputed is a violation. This account is not properly marked as disputed across all three credit bureaus. 

Requested Action : I request an immediate and thorough investigation into the inaccuracies and violations mentioned above. Additionally, I demand the removal of this account from all three credit reporting agencies ( XXXX, Experian, and XXXX ) in accordance with FCRA Section 1681i ( a ) ( 1 ) ( A ).

Further Actions : If the inaccuracies are not corrected within the statutory 30-day period, I will be compelled to take the following actions : Involve my legal representation to address the violations. 
Submit a complaint to the XXXX XXXX XXXX  ( XXXX ). 
The current inaccuracies are severely damaging my credit profile and character. I expect your prompt attention to rectify these issues and a written response within the statutory 30-day period. 

Thank you for your immediate attention to this matter.
Product: Mortgage

In XXXX Wells Fargo filed a foreclosure case on my home. Since then I have been fighting and have to hire attorneys to defend me. 
After all these years of fighting they were rewarded a summary judgment, and had a sales date and I have to file XXXX  XXXX to save my home and have enough time to look into it. I did a title search and found out that Wells Fargo Did Not have my mortgage. 
All it shows fraudulent assignment that was done in XXXX with no legal description of my home on the assignment ( XXXX  XXXX ). 
And it is impassible because my mortgage was with XXXX XXXX  from XXXX XXXX and was confirmed by XXXX and they were not in a relationship with Wells Fargo . I contacted Wells Fargo the executive office and the legal department. 
After 7-8 months of extensive search they came to conclusion that l Do Not Have a Loan and they are not foreclosing on my property. I have a letter from Wells Fargo stating that and I notified XXXX XXXX and the Judges legal assistance, l put it in public records and asked the judge to dismiss the case with prejudice because the loan does not exist and attorney XXXX XXXX filed this fraudulent Foreclosure case theyre committing fraud on the court and on me and causing me physical harm and financial hardship.