23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third,  without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of any collection amount of XXXX from XXXX XXXX XXXX. I have never lived at this address. 

According to the FCBA & FACTA 312, i would like for them to send me 1.A COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT with signature 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR I would like for the COLLECTION AGENCY PRO-COLLECT to send me 1. COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line 2. DATE of LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT /AGREEMENT WITH SIGNATURE 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THE INFORMATION PROVIDED FROM PRO-COLLECT DOES NOT CONSTITUTE PROPER VALIDATION
Product: Checking or savings account

On XX/XX/XXXX a charge of XXXX was charged to my chime account despite me being home with my card in my wallet at XXXX I opened a dispute within XXXX mins chine said no error. There is no way they reached out to XXXX in XXXX mins their dispute denial isnt in adhering to regulation E they decide if they wan na give you the money back its not fair Ive ordered multiple new cards as well the reps are adhering to the laws
Product: Vehicle loan or lease

XX/XX/XXXX I financed a car through Exeter finance company XXXX XXXX XXXX XXXX miles Percentage rate 23.11 % Finance charge amount XXXX Amount financed XXXX Amount of at end of term XXXX The itemized account statement shows 4 months of XXXX going toward the principal Each amount going to principal is different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At some point they said I pd XXXX NEVER did they alert me via Mail or phone they have charged me 5 months with late fees of XXXX I called to get an explanation of this and they talked in circles I asked for management to call me and yet no call ever received
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft. 
I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX : XXXX Reporting an old debt as new. 
I have disputed this old debt and it is still being reported as new debt, not from the original date more than XXXX years ago.
Product: Credit card or prepaid card

I purchased a pair of " XXXX '' brand denim shorts from a reselling site, XXXX, on XX/XX/2020 in the amount of {$120.00}. The item was delivered on XX/XX/XXXX, and the item was completely different from the description, and was by the brand " XXXX '', which is considerably cheaper than the brand I ordered. I contacted XXXX first to ask for a return, but after a few messages, I received no reply and after a few days, the case was marked as closed. I then sent the details to my Barclays account ( I used my Uber Visa credit card ), and then they sent me a letter stating that my card was verified for the purchase. This was completely different from the issue I filed it under, which was that I received false/inauthentic goods. I asked for the issue to be reopened, and I received a letter stating the exact same thing, resolving my case. I contacted customer service asking why my dispute was resolved under a different issue that it was filed under, and the only response they could give me was to file another dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Payday loan

I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash. 

*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue. 
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response. 
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person. 
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX. 

5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX
Product: Payday loan, title loan, or personal loan

In or around XX/XX/2018 my identity was stolen and someone applied and received a loan from One Main Financial. ( Account XXXX XXXX ) Although I had an FTC theft report and police report One Main continued to get me to pay for the loan. In fact they have now taken me to court in the District Court of Maryland. I want One Main to stop the lawsuit and stop trying to collect this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I bought the vehicle through PNC Bank from the dealership in XX/XX/XXXX. Ever since then, I have been having problems with customer service on the phone and the branches. They have the worst customer service and doesn't care about any of their customers. All they have been caring about is money. My vehicle was repossessed back in XXXX of XXXX when I was XXXX in FL trying to make it with two jobs I just started. My father made a call to the auto loan department about making a payment of {$1000.00}. He didn't know there was more owed than what he told them he wanted to pay. Customer service told me at the last minute that there was {$110.00} still left owed to get the vehicle current. There was another rep who told me there was {$110.00} owed left including next month 's payment of {$380.00} which wasn't due until XX/XX/XXXX. The customer rep who my father talked to didn't mention what else was owed so he could pay it all to get the vehicle back current. Instead, my vehicle was repossessed the next day or the day after. All of my stuff was in the vehicle and I had no where to go. My dad had to pay so much money to get my vehicle back and the repo showed up on my credit even though I had decided to retrieve the vehicle back within 24 hours with the same terms and continue to make the payments. Also, the other issue that came along was their corporate office pretty much laughing at me and not doing anything about the issue after it happened. They didn't do anything but beat me around the bush and left me to rot because they didn't care at all. I have another issue that is going on right now that is taking a toll on my health and I have been asking them for help for a couple of months which they won't do anything about. They are neglecting the situation by telling me they can't just voluntarily repossess the vehicle due to their so called safety of the repo man having to ask the other person who has the vehicle for permission. I think it's very unacceptable of how they are handling the issue because they don't want to be involved. However, they hold the title and their name is also on the title. Since this is a very serious situation, they could go and get that vehicle if they want it back. However, I see them just wanting me to keep paying on a vehicle I don't have in my possession. I refuse to keep paying on it. They don't want to help, the problem will be carried on their shoulders. I'm done with this bank. I've had it with their XXXX and lies.
Product: Debt collection

I did not make charges on the account and have provided previous police reports of identity theft. There is even a judgment against the parties who stole my information resulting in unauthorized charges. Ive provided this info and XXXX continues to defame me. This is a money grab to get me to pay for charges I didnt rack up abs my score dropped significantly as a direct result of their mafia style collection practices. XXXX indicates the collection and it should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. Please delete the following inquiries : 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 Please delete these inquiries immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple unauthorized hard inquiries on my Experian credit report. I did not authorize these inquiries, nor did I provide written consent, as required under the Fair Credit Reporting Act ( FCRA ). I have contacted Experian and requested verification of permissible purpose and authorization for these inquiries, but Experian has failed to provide valid proof. 

The disputed inquiries include but are not limited to : XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/202XXXX 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/2024 XXXX XXXX XX/XX/2024 I am requesting a full investigation and permanent removal of these unauthorized inquiries from my credit report due to the lack of permissible purpose and valid authorization. 

Thank you for your assistance.
Product: Bank account or service

My pay check was deposited yesterday and at midnight tonight was to Huntington Bank. They are then showing that it is there AND the balance is showing available funds over {$1000.00} yet I cant pull money out of an ATM. I cant buy gas which I needed this morning to get to work. I almost always get gas Friday morning or afternoon as its pay day. 

I call and what a treat the automated system is to get thru to a person. 

To be told its processing. 

IT SAYS AVAILABLE! They have my money, and its reported AVAILABLE and CURRENT BALANCE. 

What is the bank in another time zone then me? If it says these words that means the present time we are both in. which mans now. Not whenever they feel like releasing my paycheck so I can get gas to get to work.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix this issue directly with them and they are violating my rights and I am entitled to compensation for this violation I have mentioned, they should either pay me or delete this account ASAP.
Product: Credit reporting or other personal consumer reports

Transunion refused to remove an inquiry that is not attached to anything on my report. 
- XXXX XXXX I have made multiple requests for removal without proof that I gave permission to share my information and there has not been any activity to rectify the issue. No proof that I gave permission nor removal, per 15 U.S.C. 1681b. 
- 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

There are two of student loans on my credit file that I have been disputing since XXXXThe loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit cards used in my name through XXXX XXXX, I found that there are two credit cards opened in my name. They are the following : XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$6800.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$6800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos ) XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$13000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$13000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) I came to the United States in XX/XX/XXXX and applied for the first credit card after one year of that. I am confused there are two accounts already in my name. I don't want both of these cards on my credit card report. I need help to fix this problem.
Product: Credit card or prepaid card

My account information was provided to 3 credit reporting companies without my written consent. No consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX / 17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX  balance of {$4000.00} reported to XXXX  & Experian & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & Experian where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Product: Debt collection

This company Frontline Associate Strategi is reporting fraudulent and inaccurate information on my credit report as of XX/XX/2024 in the amount of {$1100.00}. This company is stating that the information was verified which is was not. I have requested that this company provides the purchase agreement to show full ownership of such account and also any other documents, so that I may review and confirm to see if this account actually belongs to me.
Product: Checking or savings account

I went into the bank to close out my account XX/XX/2024 the teller refused to provide proof of the account closure I was then charged overdraft fees on my account and once again go back into the bank this is absolutely ridiculous
Product: Mortgage

XX/XX/XXXX I received a delinquent notice from my county treasurer 's office, indicating my second escrowed tax payment ( due in late XXXX ) has not been received from the mortgage company. The amount due is XXXX. We have not paid on time in the nearly seven years we've had the motrgage- we've paid EARLY every month. I called the mortgage company and was told it was paid. Multiple calls back and forth since and no resolution as of XXXX XXXX XXXX XXXX XX/XX/XXXX, The mortgage company informed me the payment that was due in XXXX was sent to the treasurer 's office in XXXX, XXXX ( several months late ), yet nothing has been received in the county tax office. This is the second time we've had issues with Click 'n Close Mortgage ( formerly known as Mid-America ) escrow department since XXXX. Property taxes for the next year will be coming soon as will our homeowner 's renewal. I have XXXX trust of confidence in this mortgage company 's ability to fulfill its fiduciary responsibilities. XXXX the county tax office advised we are not the only person in our county who has escrow issues with this company.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a car with the promise of a 60 month loan term. The auto loan was financed by Capital One Auto Finance. Every document given to my by the dealership reflects a 60 month loan term. The dealer did not provide me with a copy of the Retail Instalment Obligation contract that the dealer assigned to Capital One Auto Finance. I am XXXX years old and believed I was about to make my last and 60th loan payment. Capital One Auto Finance insists that my loan term is for 63 months. In XX/XX/XXXX, I complained and Capital One Auto Finance sent me a copy of a letter that they allege was mailed to me in XXXX outlining a 63 month loan term. Capital One Auto Finance has not provided me with a copy of the Retail Instalment Contract. I do not know what kind of bait and switch tactic was used but there has been three ( 3 ) extra months added onto my auto loan in a very deceptive way. I was XXXX years old when this fraud was perpetrated against me in XXXX. How absolutely disgraceful to financially abuse a senior citizen.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that Experian, XXXX, and XXXX XXXX the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at EXTRA on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. Two collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate these matters immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.