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

XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, XXXX is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for XXXX  to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.
Product: Money transfer, virtual currency, or money service

I had a customer on Paypal and he paid me on Paypal then I shipped him his item. 
After that he opened a " not as described '' dispute on XX/XX/2020 Case ID XXXX and {$5400.00}. 
after a long story we ( buyer and me ) came to an agreement. 

Buyer called his financial institution ( XXXX  XXXX ) and closed the case my favor ( seller favor ), So in order to make sure that he is telling the truth I called to XXXX  XXXX myself and they told me the case has been closed in my favor and Paypal has been notified since XX/XX/XXXX. today is XX/XX/2020 I contacted paypal so many times and they say they have not gotten any update. 

I'm sure paypal isn't honest with me and it's keeping my money illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and seen multiple fraudulent items that didn't belong to me.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX credit report that I have duplicate listings of my student loans. XXXX is reporting a loan balance. However, XXXX transferred my loans to XXXX so I no longer have a loan balance with XXXX. XXXX is reporting this transferred loan balance. This is accurate. My credit reports shows XXXX and XXXX loan balances, doubling my reported total student loan balance. This has dropped my XXXX XXXX by over XXXX points. 

Experian does not have duplicate listings but has XXXX listed instead of the accurate loan servicer, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : 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 XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have attached my documentation disputuing the accuracy of the XXXX XXXX XXXX account listed on my Equifax. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. If the information can not be verified by federal law it must be removed.
Product: Checking or savings account

Bank of America blocked my business checking accounts with them. I've attempted to contact them on several occasions. Bank of America never notified me in writing, and or by phone. After sitting on hold for several hours I spoke with an unidentified male, who would not provide any more details on my account closure, but that I needed to visit a local Bank of America branch. I have previously done this on several occasions prior when I first opened the account. Bank of America required I go show two forms of ID and that the manager update the information. I have about {$400.00} that Bank of America is holding in the account and is refusing to reimburse the money to me. 

Bank of America has not been honest and transparent with their banking practices with their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a fraudulent hard inquire was made to my Transunion credit record by XXXX XXXX  XXXX, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. XXXX XXXX XXXX refuses to issue an inquire deletion letter that Transunion unreasonably demands. 

In short, both the lender and Transunion refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.
Product: Vehicle loan or lease

The loan was fradulent from day one when purchased. The car was previously wrecked and unreported at the time of sale. They resold the vehicle to me after it was repoed from another consumer with the same mechanical issues from the previous wreck. Also the amount financed at the beginning was changed after the sale to a higher amount. I was offered a lower balance after I kept experiencing the same mechanical issues which were alignment, transmission issues which the transmission eventually went out and the company agreed on a settlement offer of {$2000.00} due to the fact that the car was unoperable at the time of voluntary giving back to USAuto credit. I made 26 of the 36 months payments. And they sold the car for more that 100 % of what they financed it to me for. Which makes this company a fraud because I had a balloon insurance that I purchased at my initial financing in case of engine, transmission or major mechanical issues malfunction. And US auto credit would not honor the contract to pay their portion of the fees to restore the transmission. US auto Credit forfeited the contract to make another sale to a new blinded consumer to prevent all costs of helping me repair the transmission by reselling the vehicle again making it a third or fourth sale to a new consumer just the same as me. In addition, they have reported ( 3 ) different balances which are contradictory to XXXX XXXX and XXXX A family member has all his credit card receipts of payments made totaling in excess payments made to this account which was requested to turn my car back on and off due to the tracker that was installed on the vehicle. US Auto credit took advantage of the situation when they altered the balance reporting untruth to all credit bureaus. And my XXXX XXXX who is a XXXX XXXX, another with XXXX XXXX, and myself with XXXX XXXX have been denied rental Propertiess as a result of USAuto repair scam and of repeated repossessions to new consumers on this same mechanical issues. A family member has made over {$3500.00} to US Auto Credit using his credit card. And he is willing to take them to court because they are a fraudulent for not including the payments he made in the balance that they have reported. And the account number is XXXX They sold the vehicle for {$330.00} Date Sold XX/XX/2919 XXXX number XXXX Auction - XXXX 's XXXX XXXX XXXX  However, they are reporting XXXX to all credit bureaus. 
Also Im reporting this to every social media and willing to go public including on linked in. Because they were supposed to fix the transmission which was included in the balloon insurance that I purchased for repairs. And just decided to not fix it and sell it. And charge me a ridiculous price at the expense of my family well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am sending a complaint because the company has failed to validate this debt on my credit reports in the allotted time which is 30-45 days. I have tried on multiple occasions to ask for debt validation and they continue to prolong the process and havent sent any information. They will not even properly investigate my claims. if a company takes longer than 45 days to respond to my credit report dispute, the credit reporting agency is required to remove the disputed information from my credit report because it is considered unverifiable under the Fair Credit Reporting Act ( FCRA. I would like to ask that the collection from XXXX XXXX international be removed from my report immediately. I have given more than enough time to validate it is unverifiable.
Product: Student loan

Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.
Product: Debt collection

I am being harassed by XXXX XXXX for a debt that does not belong to me. I have never had an account with them or Truist Bank, the company they claim to represent.
Product: Checking or savings account

Good morning, on or about XX/XX/2022, there were several fraudulent withdraws made from two of our checking accounts. Our bank is Chase Bank. These withdraws totaled approximately XXXX. 

There were withdraws from one account of XXXX, XXXX and XXXX. The other account had withdraws of XXXX and XXXX. 

All of these withdraws were made without our knowledge by someone we do not know. We did alert Chase Bank immediately upon learning of these fraudulent transactions. Let me tell you, this has been a roller coaster ride given to us by the Bank. 

First, they did credit one account back the XXXX, XXXX and XXXX. However, they then reversed the XXXX and XXXX transactions, without notice. They STILL have not even addressesd the other account or the fraudulent activity, rather, they r putting the onus on us to show they were not made by my husband or myself. Let me add, we have been customers of Chase Bank for over 30 years. They were XXXX XXXX and XXXX XXXXXXXX over the course of those years. At one time, we would be alerted immediately to any questionable transactions to our accounts. All of these withdraws were absolutely questionable. As those type of withdraws are not normal, ordinary or customary for either of these accounts. We did make a police report, who also made the observation that these were very out of the ordinary, looking at our history. 

I am asking, pleading, begging for some assistance here in helping us to convince the bank that these transactions were not made by us and we need to have our accounts made whol. Bringing them back to where they were before this occurred. We have been met with consternation and more than questionable customer service. They have, in essence, called us liars and theives! 

Please, if you have any ability to look into this situation in order to have our funds credited back to the accounts in question, I would be more than grateful. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This complaint is against the company Midland Credit managment Inc. ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( Reference XXXX XXXX # XXXX and MCM Act # XXXX ). 

I sent a letter to MCM concerning the above reference account which stated " This letter is to inform you that the above referenced account is being inaccurately reported to XXXX and XXXX. And, to request that you correct the errors by reporting the following accurate information : Date of Last Payment : XXXX/XXXX/2008 ( payment confirmation number XXXX ) Copy Enclosed and Date of XXXX Delinquency : XX/XX/2008. 

To which I received the standard MCM response of " you did not provide sufficient information '' and " we deny that our records are inaccurate ''. ( The same response I received on my Tribute account ( see CFPB Case number : XXXX ) I believe that Midland Credit Managment Re-Ages the debts they purchase so that they stay on the consumers credit reports longer than allowed by FCRA. Attempts to confirm information with MCM is to no avail as this is the only response I can get from them and they will NOT provide documentation.
Product: Payday loan, title loan, or personal loan

Outrageous interest rates where not even 10 % of the payment made is being repaid the the principal. Asked for a reduction in interest and it was denied. {$180.00} payment made {$160.00} paid toward interest {$22.00} went to the principal and the payment amount is constantly increasing on a {$1200.00} line of credit.
Product: Mortgage

I attempted to do a VA refinance with this company through a broker named XXXX XXXX. I was referred through another broker who said they would be able to get me a better deal. It was a simple interest rate reduction loan with 2 deferred payments which is standard. I had clarified that the plan was to defer the payment in XXXX and XXXX. Understand that I started this process at the beginning of XXXX. So, I payed my XXXX payment and provided all the requested documentation. There were long lags in communication where I literally could not get a hold of XXXX causing delays as was my current lender who was not providing the payoff. We worked very hard to get this done in XXXX, but I felt as if I was working alone and constantly trying to follow up and make sure we were on track. Long story short I asked Mr. XXXX the last week of XXXX if he thought we could close in XXXX and he said it was a long shot. Confused, I asked if that was going to be okay with my current mortgage. He told me we wouldn't be late until XX/XX/XXXX. Should I have reminded him that I hadn't payed XXXX at this point? Maybe, but I thought he knew as that was what we'd discussed all along. It's irregardless as he had all the information that would have told him XXXX had not been paid. They got the payoff on XX/XX/XXXX and didn't contact me for 8 days. XX/XX/XXXX they asked for my wife 's email? Then on the XXXX for a mortgage statement from my current lender which was provided in 15 minutes and was another document that told them XXXX hadn't been paid. They finally sent disclosures out on Monday, the XXXX. We had the disclosures back within hours. I heard nothing yesterday and asked my wife to reach out. XXXX texts back saying we are delinquent on our XXXX payment and now the loan can't move forward. I about lost my mind. This guy is now playing dumb. It's absolutely crazy because had there not been an 8 day lag from the XXXX to the XXXX and we had closed last week as I thought we would, we wouldn't even be in this situation as my current lender didn't report me late until the XXXX. I've spoken to XXXX XXXX who is the General Manager  of this company. He was initially very apologetic and seemingly wanting to help. I just now got a long email from him in which he is basically going to bat for XXXX and I can see the writing on the wall. They are getting ready to wash their hands of it and now my family and I are going to pay for XXXX XXXX incompetence and laziness. We are now fighting a late payment with the current mortgage holder that has already negatively affected my credit score. As a result we won't be able to capitalize on current fantastic rates and I am going in the hole trying to catch up on my current mortgage. We went into this to save money and are now in much worse financial shape from dealings with this company and XXXX XXXX. I am a XXXX XXXX veteran with over 20 years of service in the XXXX XXXX  and these guys couldn't care less. I've never been more disgusted with a situation than I am with this one.
Product: Money transfer, virtual currency, or money service

I was doing my home loan with Select Portfolio Servicing , Inc. ( SPS ) starting XX/XX/XXXX. 

On XX/XX/XXXX, we paid up the remaining principle and closed our account. However, an autopay was triggered during our closing period on the beginning of XXXX, therefore we overpaid the amount of the loan, we are expecting a refund check of {$4500.00} from SPS. 

We have been waiting for the refund check being mailed to us since XXXX, and called SPS several times. With the COVID-19 pandemic strike, SPS told us on XX/XX/XXXX that the check was delayed due to the pandemic, and assured us that they will send the check ASAP. On XX/XX/XXXX, I called SPS again, and they claimed that the check was sent, but probably missing in mail. They will void the previous check, re-issue a new check, and send it over. 

However, when I called SPS on XX/XX/XXXX, I was told by a customer representative, that according to their cashier 's record, the previous refund check was mailed to me on XX/XX/XXXX, and cashed on XX/XX/XXXX. I did not receive the check, nor did any of my family members. 

After my push to investigate, SPS has been working on an internal investigation about the check, but they refuse to re-issue a check to me because they claimed my account was closed and paid in full. I have escalated the issue several times with SPS customer service department, which provided no help at all, and also to the ombudsman department, which keeps delaying the research they promised to do. 

On XX/XX/XXXX, I have finally see the copy of the cashed check from SPS, but it is clear that someone else endorsed that check and cashed it out. I have submitted a police report as suggested by SPS. 

I have submitted an Affidavit of Unauthorized Endorsement or Altered Items with SPS, and let them forward to XXXX, because SPS is banking with XXXX. SPS told me that the investigation could last several more months. 

To me, I did not receive the fund I was owed from SPS, their records contradicts with themselves at several points, from when the check was issued and sent, to how they would be able to re-issue my refund, and the process has been delayed for so long to investigate what is wrong with their own system. I can not tell if this is an insider misconduct, but from the beginning to the end I did not have my hands on the check that was supposed to be issued to me. SPS and XXXX may have sent the fund to unauthorized party, but it should not be the reason for my loss.
Product: Money transfer, virtual currency, or money service

Venmo is insisting I owe for an unauthorized charge. Venmo complaint ID XXXX for transaction XXXX XX/XX/21. They stated that my claim was denied XX/XX/21, but they did not explain why I would he responsible for an unauthorized charge.
Product: Mortgage

While going over my escrow statements, I noticed that every XXXX was missing the actual payment amount. Nowhere in that year, or the following year, was that amount accounted for. This then caused my escrow to be short. They then upped my monthly payment to account for being short. But they continued to not credit the month of XXXX. When I called they tried saying it was because they do the audit in XXXX and so it doesn't show up but they have XXXX payment in there. And then they tried to say it was because I made the payment in XXXX. But there is still no accounting of the XXXX payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a wire transfer from {$2000.00} from XXXX XXXX XXXX to XXXX XXXX, XXXX, the bank being used by Binance.us to handle incoming wire transfers to their customer 's accounts. The money was never credited to my Binance.us account and never returned back to the issuing bank. 
I tried to reach XXXX XXXX multiple times by leaving a message at the number they provided, but they never called back. Additionally, Binance 's response to my trouble tickets was only to wait for a more substantive response, but I have not gotten a response from them in over a month. 

Here is a copy of the wire transfer receipt : XXXX XXXX Bank XXXX XXXX XXXX Wire Dated : Thursday, XX/XX/2021 XXXX XXXX  Account : XXXX Name : XXXX XXXX XXXX XXXX : XXXX Wire Amount : {$2000.00} Reference : XXXX  to XXXX Info : Originator : XXXX XXXX. Purpose : Crypto. Ref : XXXX. 

Beneficiary : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Originator 's FI : Ref for Beneficiary : Sending Institution : XXXX XXXX XXXX  Sender Reference Number : XXXX Institution to Pay Beneficiary : XXXX XXXX XXXX XXXX XXXX : Information for Institution : Information for Beneficiary :