23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$590.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX  XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$27000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX  XXXX  XXXX  XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9500.00}
Product: Vehicle loan or lease

On Friday XX/XX/XXXX at approximately XXXX Credit Acceptance Corp withdrew an unauthorized amount of {$390.00}. Again, on Friday XX/XX/XXXX at approximately XXXX, Credit Acceptance withdrew an authorized amount of {$500.00}. 

I called the customer service line at XXXX on Saturday, XX/XX/XXXX and was told by XXXX there was " nothing she can do for me to refund then near unauthorized {$900.00} taken '' from my bank account. XXXX proceeded to make me feel as though I was trying to scam the company, claiming " someone in your house processed two payments '' ( which I told her was not the case. Nobody was on the computer at this time ) and refused to help on the matter. 

XXXX then advised me to call my bank to dispute the charges as " there is nothing she could do ''. I proceeded to call my bank, XXXX XXXX, who were both surprised and alarmed Credit Acceptance would not assist me in the unauthorized payments. 

XXXX XXXX processed two disputes on both payments. I fully expect Credit Acceptance to accept these disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, XXXX, Experian on notice of the fraud. It has been over 90 days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, XXXXXXXX XXXX, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.
Product: Vehicle loan or lease

As per Credit Karma, I got this hard inquiries that I dont allowed and recognized. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 

XXXX XXXX Inquiry from XXXX XXXX, 2018 Miscellaneous Reptg. 

XXXX XXXX XXXX is conducting fraudulent businesses pushing consumers to high rates and placing unsoliciting insurance just like XXXX XXXX case. I been contacted this company several times and tried to negotiate and allowed them to do the right thing without luck, illegally they towed my vehicle, later released and asked for apology. I have record of all incidents. All these been causing hardship to me and my family, afecting my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from my credit report. 
under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX  Account Number : XXXX Please remove it from my credit report. 
. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

Bridge Bank/Western Alliance Bank/Torrey Pines Bank ( they have so many names I've lost track! ) funded a small business loan plus line of credit. We've been requesting a forbearance/deferment/flexibility given the pandemic and our inability to service our current loans with them right now. Our business has been impacted by 90 %. We've been trying to work with them since the second week of XXXX, however, they've REFUSED to help us during this time. We've been struggling to make our payments in general and continue to have a hard time. Given we're over a month late making our payments at this time, they have THREATENED US and stated they WILL PURSUE FURTHER ACTION AGAINST US. This was stated by a Vice President, XXXX XXXX, of their company which is totally unacceptable. They have issued numerous late fees, etc., and continue to threaten us rather than help us. Thanks in advance for your attention to our matter!
Product: Mortgage

Lender requested Escrow. Assigned The Money Source ( TMS ) TMS handles and collects escrow. 
Property taxes for my residence were due XX/XX/2020 with Delinquency date XX/XX/2020. Interest accrual due XX/XX/2020. 

TMS did not respond to email requests and online documents uploads showing Tax payments are due. I am unable to reach the customer service by phone due to excessive wait times.
Product: Credit reporting or other personal consumer reports

I have an auto loan that shows it was paid in XXXX and XXXX but is reporting late for XXXX and XXXX. The weird thing is on Experian it says XXXX payments were made although it shows payments were made. ( See attachment ) I recently got a late payment on my consumer credit report and reached out to Experian to have them investigate the matter. Experian got back to me XXXX hours later and simply said the claim had been verified but never gave any information on how they came to this conclusion. Experian has inaccurately reported late payments on my credit profile without conducting a proper investigation. This has significantly harmed my credit score, impacting my ability to secure loans, rent an apartment, or even find employment. Experian 's failure to thoroughly investigate these disputes has had serious and long-lasting negative consequences on my financial well-being. Experian 's failure to adequately investigate the inaccuracies on my credit report has had a severe impact on my life. Due to these errors, I have been shamed by property managers when looking for apartments. Being unable to move has left me feeling trapped because of faulty reporting. These rejections have caused significant financial hardship and emotional distress.
Product: Mortgage

I have opened 2 complaints here for Wells Fargo Mortgage on my home. Both were closed without satisfaction. I am STILL having issues trying to set up the new mortgage for my home with Wells Fargo under their forbearance program. 
I started this in XXXX of 2020 and its now XX/XX/2020. 
Wells Fargo has had numerous people on my account and it keeps changing. Everytime I finally get someone and call them back I can not get a hold of them and find out the person has changed. I keep getting wrong information and told someone will call me back. Wells Fargo originally blamed the VA for not accepting the new terms of the agreement but this has been completed a while ago and my forbearance is still pending. Now they say because of Covid 19 they are back logged in cases.

Meanwhile they told me things like no penalties and no reporting but I have found that to be untrue. As a penalty I have not been able to use ANY of Wells Fargo programs such as refy or even auto payment setup. Nothing can be done with my acct and no programs can be used. I can't refy with Wells Fargo or even any other bank until they are done and they just wont comply with the VA rules for this " forbearance '' issue. This was originally suppose to take 1 month at the most and its been 9 months. When is it going to end? There is an asterix on my credit report that reads I am in a forbearance program but does not say I have " missed '' any payments ; only that I am continuing to " work '' with my lender to keep my acct current. According to other banks I tried to do a refy with, I can not refy until that reporting is OFF my credit report. 
The fact that I have opened 2 previous complaints here and nothing has been done even after those complaints should finally show everyone that Wells Fargo has not been complying to the VA 's wishes when it comes to faithfully helping veteran 's with their home mortgages.
Product: Debt collection

I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from XXXX  were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, Chapter XXXX Bankruptcy Reference # XXXX, has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My data was breached and they are several inaccurate information reported on my report.
Product: Checking or savings account

From XXXX XXXX to XX/XX/year> I have XXXX unauthorized transactions with the total amount of {$4400.00} from an unknown XXXX XXXX. This has been an ongoing issue with XXXX no matter how much proof I provide the claim is denied. When I request documents that lead to the final decision they are no relevant documentation. This is not the first issue Ive had with chime. I find it very unfair and unprofessional of the simple fact of the matter when I contact the merchant and explain my situation the merchant confirms error has taking place. The first issue with chime I swept under the rug, this time I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I been advised to give EXPERIAN XXXX last chance to cure. I'm a FEDERAL PROTECTED consumer and federal laws have been broken. We have been dealing with this since XXXX. I been patient through this process and I been given the run around. So I want to be clear I do not want we still working on this. I do not want a simple its been verified, or this is a duplicate. I have to ask over and over because the items have not been presented. I do not want payments XXXX stolen from someone! To be clear I have not been given the wet signature contract between ME and XXXX stating I will pay alleged debt, or me given written instruction to furnish ANYTHING on my consumer report. I will have the CFPB send this to the FTC! Also on top of the items above I asked for. I also asked for the license to collect a debt in Florida, the license number and the date. Also the name on the license. The following federal laws have been broken. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also EXPERIAN have late payments, which VIOLATES my federal protected rights 15 USC 1681a2ai. Also 15 USC 1692g. So to be clear XXXX  AND EXPERIAN have not presented me said items, but yet continues to furnish said negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 

XXXX- # XXXX Opened- XX/XX/2020 Chargoff account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed a second dispute of a charge-off that Ally Financial placed on my credit report, the company updated information in my credit file to alter the date that they first reported the charge-off illegally, in order to re-age the entry and sell it to a debt collector. 
I initially disputed the charge-off that Ally first reported in XXXX of XXXX as I was a victim of Hurricane Harvey in XXXX, TX. In XXXX of XXXX when my lease ended, Ally did not remove the fees that were supposed to be dismissed due to my status as a person affected by Hurricane Harvey. Ally began reporting charge-offs to my credit file from XX/XX/XXXX though XXXX of XXXX. When I filed a second dispute with the credit bureaus, in an attempt to raise my credit score, Ally then changed the information showing that the payments were current up until XX/XX/XXXX and reported a new charge-off starting in XX/XX/XXXX. I immediately received a call from a collection company about this disputed amount. It is clear the Ally fraudulently changed the information which was two years old, to falsely sell it to a collection company that it represented to collection company as a new charge-off.
Product: Credit card

They enticed me to except a credit card kicked back my auto pay card made me late I fixed that put on auto then they dropped my limit dropping my credit score and raising my apr .this process wrecks people 's credit unnecessarily..wen I tried to call them the machine said my card was not set up for purchase but yet the lady said all this is common practice..they also started taking out 3 times payment amount ..plz help... plz help
Product: Student loan

On Friday, XX/XX/2023 ( about a week before interest rate accumulation was to resume ) at XXXX XXXX I called AidVantage ( formerly XXXX ) to make a large final payment, or so I thought, to close out an existing loan. The amount was for nearly {$25000.00}. I had been saving up for the past XXXX and a half years taking advantage of the pause in interest accumulation. Upon being connected to a representative, I requested a specific loan be paid off in its entirety and proceeded to provide them with the loan number, its amount according to the AidVantage website, and then my debt card to complete the transaction. The representative confirmed and even acknowledged they could see that I had logged onto their website. Upon confirming from the representative twice of the amount I needed to pay off the loan, they reconfirmed and then let me know the transaction had gone through before provided me with an email containing the pertinent details. The representative said it would take a few days for the website to catch up to their internal records. On Tuesday, XX/XX/XXXX, I get a letter from AidVantage telling me that the loan payment I made was not sufficient and that an amount balance of over {$400.00} remained identified as " Unpaid Principal ''. Upon learning of this, it became apparent that all of my loans on their website were lacking that financial detail. This is not to be confused with the " Original Principal '' or " Interest Rate or Interest Accumulation Amount ''. This information is not provided on their website and is not listed anywhere in the total amount of the loan I was attempting to pay in full. This company, and XXXX prior, has had XXXX YEARS to get their ACT TOGETHER. THEY HAVE FAILED. If they expect students to pay their loans, THEY MUST PROVIDE ACCURATE FINANCIAL NUMBERS TO THE LOANS. THIS IS UNACCEPTABLE. IN ANY OTHER BUSINESS THEY WOULD BE LOSING CUSTOMERS! However, I am beholden to them courtesy of the United States Department of Education. Now, that remaining " Unpaid Principal '' has accumulated interest costing me more money. Of course, I am not without blame. I sadly chose to go to college ; the worst advice to ever get from the XXXX XXXX XXXX. That educational path was, and continues to be, my biggest financial mistake. COLLEGE IS NO LONGER WORTH THE PRICE. TO ANY PROSPECTIVE COLLEGE BOUND STUDENT ... XXXX WARNED! STUDENT LOANS ARE NOT WORTH IT! FIND ANOTHER WAY! AIDVANTAGE IS TERRIBLE! XXXX IS TERRIBLE! THEY ARE ALL TERRIBLE! Best of luck to us all now that loan repayment has resumed, we're going to need it.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to you with regards to a pressing matter concerning my PayPal accounts XXXX My name is XXXX XXXX, and in the year XXXX, I processed about XXXX USD. Unfortunately, due to the unprecedented circumstances surrounding Covid-19, I was unable to deliver some of my orders on time. As a result, I received complaints from some customers, which led to PayPal freezing my accounts. 

They stated that after 180 days, I would be able to withdraw the funds. After the 180-day period had passed, I checked my accounts, but there was no money in them. To my dismay, I discovered that PayPal had withdrawn all the funds to their accounts. Since then, I have been tirelessly trying to get in touch with PayPal, but to no avail. 

After contacting PayPal customer service for numerous times, I was eventually able to get an answer and it was the account has a negative balance because of a refund and now my account was with a collection company. I even received letters from this collection company based in XXXX XXXX. 

During my interactions with the customer service team, I have been informed that my account has been blocked due to a refund, and the account balance has been negative by {$130.00}. I want to clarify that I am not the reason for the negative balance in my account. I had over {$70000.00} USD in my account, and PayPal withdrew everything, which caused the negative balance. This was done by PayPal without my consent or knowledge. 

I have been asked by the customer service team to pay the negative balance to unlock my account and I can access the messages PayPal sends to me in regards to the issue, However, I am not in a position to pay that balance as all the money withdrawn by PayPal was from my credit cards, which are now maxed out and over limit. Most of the money invested in the business was from my credit cards. Now I am left with thousands of dollars in debt and having a hard time supporting my immediate family, including my XXXX child, my wife, and my elderly parents. 

I am writing to you today in the hope that you can assist me in resolving this matter. I would be grateful for any help that you can provide in retrieving my funds. Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX