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

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Payday loan, title loan, or personal loan

I borrowed {$400.00} and the payoff 1month later is {$690.00}. The interest rate is super high. Didn't explain it properly. Then I learn that they are a third party lender. Help. Highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX caused my mortgage payment at Loan Depot to report 30 days late. The mortgage payment was submitted to Loan Depot within the required time period however, the XXXX XXXX experienced an IT problem that would not allow payment to process from account and was sent back to loan depot as unpaid. That caused a negative report to my credit. A representative from my credit union spoke with LoanDepot representative claiming fault of payment no processing. As requested from LoanDepot, The XXXX XXXX also provided a letter stating fault and provided bank statement showing funds were available in bank account at time payment was sent from LoanDepot for XX/XX/3022 payment. After submitting several disputes to all XXXX credit bureaus and numerous phone calls to loan depot ( and reps from their escalation dept ) and the credit bureaus XXXX loan depot continues to deny m request to remove the 30 days late from credit reports and keeps their decision as No change to XXXX negative 30 days late. XXXX not sure what else to do. Representatives from XXXX XXXX, LoanDepot and the credit bureaus have expressed to me that this should get corrected however, LoanDepot is the only one that can correct the negative report. Please help!! XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I had {$1100.00} transferred out of my account to an unknown account that was under my name. I did not authorize this, nor did I make that account. After contacting chase and informing them it was fraud, they returned my money on XX/XX/XXXX. On XX/XX/2022, they concluded their investigation and determined that there was no fraud at hand, and once again removed the {$1100.00} that they had given to me back. I called chase again, and they said I should go make a police report and then come back, and the case would be reopened. I made a police report, and they were able to give me information on where my money went to, however they told me I would have to call that bank and close my account there and ask for my money back. I called the bank XXXX XXXX XXXX XXXX and they found the account and closed it, however, we're unable to return my money and told me to talk to chase about it. I called Chase and they said my claim was still denied, despite making a police report and doing what they told me to do. They told me to return to the police and ask them to investigate, however, the police said they can not do anything as they have no jurisdiction out of state. At the moment, I'm stuck.
Product: Mortgage

I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. 
I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. 
What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to this company attempting to get to the bottom of the debt that appears on my credit report. i never had an account with XXXX  or caine & weiner so i had no ideal where this account came from. I would appreciate your help in contacting them and retrieving a copy of the contract ( if one so exists ) that states this company and I have business together. Please, as this is an issue that has been haunting me since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquires on my credit report and I would like them remove and deleted due to 18 USC 1028A.

If you violate 18 U.S.C. 1028A, you are guilty of aggravated identity theft and will face a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

HARD INQUARIES XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX
Product: Vehicle loan or lease

In XXXX I bought a car that was financed through credit acceptance. The car was a XXXX at the end of the agreement a XXXX dollar car cost XXXX. They did not check for employment, and they knew that the chances of default was very high. I defaulted on payments and they repossessed the car. Loan amount at that time was XXXX dollars. They sold the car and the debt remained XXXX. They took out a judgement using hyatt hyatt and landua in XXXX Florida. Even after paying XXXX to XXXX XXXX and XXXX  they are garnishing my checks for a total of over XXXX. I have asked for receipts on where I have made payments and they refuse to give them to me. When I asked about the jusgement they said i only owed XXXX but told the judge it XXXX. Something needs to be done about this company and how they work
Product: Money transfer, virtual currency, or money service

I sent a wire transfer, and my bank, Chase, said they did send the money, but no more information is given but a confirmation number, which I did send to the recipient bank. The other bank, XXXX XXXX, said they did not receive the money. I requested my money back, and Chase said they can not help any further. I am here speaking to the wire department, they sent me to claim department ; claim department said they don't understand the letter requested ( LOI requested by the recipient bank ) I asked to speak to the supervisor, they put me on hold and send my call again to customer service. Literally, right now I am on hold waiting for another " customer service specialist ''. I don't see how this case is going to be resolved. They do not care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card with the address of a XXXX XXXX in XXXX.I never lived there, I never had a credit card at all.This is Transunion.Transunion score in over a year has not changed.I have asked questions, sent in multiple attempts to clear incorrect addresses as well as names.There has been zero reslove.I use XXXX XXXX.The transunion site requires a paid membership.i will not pay for a memebership.XXXXhas  yet to give me a score at all.i have made attempts to dispute items and ask ask to obtain my score.they sent a hard copy of what they have on file but zero score.I was a victim in the transunion & XXXX hack, it has taken me far to long to get just some of this figured out.And now everything is done online and requires a paid membership.What for?? So my information can leaked again and the headache right back.I have been denied credit, and some employment requires credit checks.I am not progressing with either transunion or XXXX.
Product: Debt collection

I gave the landlord 2 months notice of moving out according to the lease. When moving out I paid my balance and was overcharged {$500.00} that they didnt want to refund me until I moved even though they collected. I then called my bank to get my {$500.00} back. This company has tried charge me full rent when I gave them the notice. They also changed the amount that I was owed multiple times. After cleaning the apartment they chose to never check it I took videos and pictures to show how I left the apartment. They were also already having my apartment viewed by potential renters. 6 months after moving out they tried to charge me an additional {$500.00} to then the rent again with many late fees. And kept my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to Equifax. I asked them to investigate them and have them removed.
Product: Student loan

I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.
Product: Credit card or prepaid card

Because i was in the financial position to do so, I paid my credit card balance in full this month -- {$66000.00} -- to avoid future interest charges on the unpaid balance. I paid this online through my checking account as has been customary for years. The payment was initiated on XX/XX/2021, and the amount was extracted from my checking account electronically on XX/XX/XXXX, XXXX i received the following message from the credit card company : " Hi, XXXX XXXX We received your {$66000.00} payment and credited your Citi / AAdvantage Gold World Elite MasterCard account. Please keep this confirmation number for your records : XXXX. '' I called the credit card company this morning, XX/XX/2021, to report that two vendors had contacted me today and reported that their attempt to process payments I made to them via my credit card today were not honored. I was told that, even though the company acknowledged my payment, i could not use my card until after XX/XX/2021. 

I told the representative that this was wholly unacceptable, that I had an excellent payment record, was a 20-plus year customer, and needed to speak to someone who could help me since she obviously couldn't. She told me there was no one who could help me and that I would have to await this random hold on my account. I even asked her to at least give me {$10000.00} credit on my account which carries a {$67000.00} limit. She refused to do so. 

I find this practice absolutely abysmal, and there is nothing in any account agreement I have ever read that allows them to do this to me. 

Again, I am a good customer, I have an excellent credit rating and I refuse to tolerate this arbitrary and capricious practice.
Product: Debt collection

From the last correspondence in case # XXXX, the company admitted to attempting to fraudulently collect on a debt past the Statute of limitations. I live in the state of XXXX where the Statute of limitations legally is 3 years for credit card debt, it is now year XXXX. Also, you continue to illegally send mailed correspondence to one of my rental addresses. You continue to break the State laws by attempting to illegally collect on a debt that you have already admitted to having since XXXX XXXX, it is now XXXX. I have also sent a Congressional letter to my state officials because of your continued harassment and illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed
Product: Credit reporting or other personal consumer reports

XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX, Collections, Account Number or Identifier XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act XXXX these accounts XXXX XXXX  XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Mortgage

XXXX XXXX, There are numerous issues that have arised from your responses that I will ask to be answered one at a time through individual complaints using the CFPB site. Several of my questions were not responded too in my first complaint. 
First off I have been provided XXXX Mortgage Transaction History reports from the same Loan account that do not have the same dollar amounts posted on the Interest paid colum on the date of XXXX/XXXX/XXXX. 
Below you will find the Amounts of XXXX XXXX/XXXX/XXXX transactions from " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West. This Transaction document has Interest paid amount of {$570.00} on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Payment Fees Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$400.00} {$23.00} {$72000.00} Below are the Amounts of the XXXX XXXX/XXXX/XXXX transactions copied from the " Mortgage Transaction History '' that XXXX XXXX provided in his response to CFPB site on XXXX/XXXX/XXXX. The interest paid amount on this document has {$400.00} interest paid on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Payment Fee Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$170.00} {$230.00} {$23.00} {$72000.00} Auto payment, satisfied XXXX/XXXX/XXXX, late charges paid of {$170.00} Both of these transaction statements show that the {$170.00} was paid before the {$420.00} transaction. Actually it was when I looked online and saw that " AutoPay '' debited only {$420.00} for the monthly payment I then made the payment of {$170.00} so the monthly payment equaled {$600.00}. 

This would make a {$170.00} discrepancy on Form XXXX for tax year XXXX. 

XXXX XXXX, please explain which Transaction document is correct? If the Transaction History you Provided in your response to CFPB site on XXXX/XXXX/XXXX is correct it brings up a new problem. 
The Interest Paid total on My " Form XXXX Mortgage Interest Paid statement '' for tax year XXXX, is {$170.00} higher than the Interest Paid total amount from all XXXX interest added from the transactions stated on the transaction history you provided on XXXX/XXXX/XXXX. 
My accountant said he will be glad to amend my XXXX Federal Income tax return to reflect the correct dollar figure. 
I am certainly not paying this Income tax return amendment as this would be a BOTW mistake. 
Please provide correct interest paid amount for XXXX tax year on a revised Form XXXX. 
I have enclosed a copy of the " Complaint XXXX '', " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West as well as " Mortgage Transaction History '' that XXXX XXXX provided with his response on XXXX/XXXX/XXXX to CFPB site. 

Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 National Credit Adjusters added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.
Product: Money transfer, virtual currency, or money service

This complaint is about PayPal holding my money and refusing to release it to me. They are holding the funds without my consent and are acting arbitrarily in this matter. They have been unable to provide an explanation for why they will not release my money to me. 

On XX/XX/2020, I received a payment of funds into my PayPal account. The amount transferred was {$2600.00}. When I went to withdraw these funds online, the system would not allow me to complete a full withdrawal. The maximum they would disburse to me was {$1000.00} each month. 

I called customer service on XX/XX/2020 about this issue. I requested they release the entirety of my funds to me. This request was denied by a person who identified herself as a Supervisor. 

By way of explanation, the Supervisor at PayPal said that " government regulators '' require them to verify customer information. In order to " verify '' my account, I would have to link a bank account with my PayPal account. By linking the account, I would have to provide PayPal with my bank account 's password, and also authorize PayPal to make withdrawals from my bank account! The Supervisor at PayPal said that I had to take these steps if I wanted to receive my funds. 

PayPal provides an option to transfer funds via my Debit Card for a 1 % fee. In my case, this would be a fee of {$26.00}! 

I repeated my request to have my funds released to me, and the representatives at PayPal refused. They also said that there were no other administrative options to pursue this further.