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

I traded my XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023 and the purchase agreement was {$18000.00} and they confirmed pay off that day. I stopped an automatic payment that was going to come out of my account on XX/XX/2023 because they were getting a check with the amount before that payment came out to pay the whole thing off. Green State Credit Union received the check and placed the extra money into a savings account and never informed me of this transition. The title was given to the dealership and the car was then sold. Green State called me and claimed that I still owed {$560.00} on the account and argued with me because I knew that I didnt owe that. I confirmed with the dealership that the entire account was paid off. When the dealership then contacted them, they realized they messed up and put that money into a savings account and at the point transferred it over. They then tell me that I now owe {$70.00} for late fees and the interest that has built up since XXXX. I said how is this because your company placed the money into a savings account, in which I was never informed about and had the payment the whole entirety that youre saying the interest was acquiring. So, dont believe that I should have the delinquent payment on my report for them not transferring money to the right account. They told me that they would knock the late fee off because of the situation so I paid the {$43.00} that was interest.
Product: Debt collection

I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for me.
Product: Mortgage

While trying to obtain a reverse mortgage we were required to have and pay for an fha appraisal from a company that aag selects. We did and all was fine until aag informed us the appraisal that they ordered from an fha appraiser was not acceptable as it was too high because we live in a manufactured home. We do not. Our broker and I tried to remedy this to no avail. I even sent them fha regulations. I spoke with the fha. The bottom line-aag wants to lower the appraisal to loan less to the elderly so when we die, they can sell our home and make even more money No wonder reverse mortgages have such a bad reputation I do have all of this documented in writing
Product: Checking or savings account

my account was closed around XX/XX/2021 without ant reason i had XXXX in my account
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, CMRE Financial Services , Inc is attempting to collect a debt from me for a medical account that has already been paid. I have a copy of the check XX/XX/2018 paying the account directly to the original creditor ( XXXX XXXX XXXX ). I  am uploading the copy of the check here. The creditor account number is XXXX and the CMRE account number is XXXX. The amount paid in XX/XX/XXXX was {$190.00} which was the full amount due. CMRE Financial Services , Inc has no claim as the entire amount was already paid in full directly to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit Collection Service is a 3rd party agency claims that I owed {$290.00} to XXXX XXXX XXXX. I submitted a desist letter on or about XX/XX/year> under 15 USC 1692c ( c ) to stop contacting about a debt.
Product: Debt collection

XXXX  XXXX XXXX is a debt collector in pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. XXXX  XXXX XXXX has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX  XXXX XXXX has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed account : XXXX Credit Card account XXXX
Product: Credit reporting or other personal consumer reports

Can you delete these accounts because they are negative and are not mine? 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Apple refuses to close my account and allows charges to keep posting even though customer support says my account is closed and that when accounts are closed its impossible for transactions to post. I have contacted customer support multiple times through email, text, and phone correspondence and no action has been taken for months. Each time I contact support there is no historical record of my issues and they refuse to provide a date when my account was fully closed. I am very concerned Apple will keep my account open to allow charges to post indefinitely, as has been the case so far. 

Apples only response to any of my requests is to ask for dispute info. There has been no acknowledgment of my request to close my account, and I dont receive a reply when dispute info is provided even from months ago. Customer support has also stated that I have 0 open disputes. Apple has also blocked my access online so I cant retrieve account closure documents or other statements. Because I dont have access I was tricked into making fraudulent payments in XX/XX/XXXX even though the customer support I verbally spoke to told me it would be resolved after making these payments. I also can't see where the charges are coming from, Apple has indicate it's only from XXXX XXXX  XXXX, but there could be late fees and other charges since I can't view details. 

Transaction dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account close date : XX/XX/XXXX - XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days or the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested verification of this account and have received no response! They are listing it on my credit report as a chargeoff with XXXX
Product: Credit reporting or other personal consumer reports

I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information.

In your response to the CFPD complaint you stated After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. 

Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # XXXX I had with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$23000.00}, XXXX XXXXXXXX XXXX XXXX XXXX {$33000.00}.
Product: Checking or savings account

I have a money market savings account with Synchrony Bank. Synchrony bank sent me an email stating my access to the " funds transfer service '' was suspended and instructed me to call the bank to request the extension to be removed. When I called the bank, they stated they did not know why the bank suspended the transfer funds service and that the account was under review. The bank could not inform me of the reason the savings account was under consideration. I asked the bank if I could provide or verify any information for them, and they stated no. I have had this account for years, and I transferred the money that I made from teaching and tax season to save until my bills are due, and now I don't have a convenient way to retrieve the money.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XX/XX/XXXX Account number XXXX To whom it may concern : I have been attempting to resolve the unauthorized charges on my credit card for {$9500.00} that was charged on XX/XX/XXXX. I reported these charges as fraud and was refunded the money back on XX/XX/XXXX. In XX/XX/XXXX these same charges were charged back to my credit card. I called customer service and was told I needed to file a dispute for these charges. On XX/XX/XXXX I faxed my dispute to Chase. In XX/XX/XXXX I began calling and sending secure messages trying to find out what was happening with my dispute, no one could give me an answer stating the dispute was still in process. I later learned that on a few of times I called the customer service rep. opened up another dispute which allows another 30-35 days to process. I continued to send secure messages asking for help to resolve this issue. The only response I would receive was an automatic response stating that someone would contact me when the process was completed. To this day no one has ever contacted me regarding this matter and the bank website still shows this dispute is still being processed. This has also decreased my credit score by XXXX points in the beginning and recently another XXXX points I would like this to be corrected since this is at no fault of mine. I met with XXXX XXXX on XX/XX/XXXX but he was not able to help me resolve this matter and told me he was turning this over to upper management. He said I would be receiving a call from someone in management in approx. 5-10 business days. I still have not heard back from anyone as of today. On XX/XX/XXXX I called and was transferred around to several people and finally spoke to someone named XXXX, after discussing this situation with him the only thing he could tell me was the bank would not be able to refund the money to me because of the amount of time that has passed. This is totally unacceptable, I did not authorize or receive any services for these charges and I have been begging for someone to help me close this dispute. To this day the dispute still shows that it is in progress and I still have not been any reason why the bank never responded or made any effort in helping me with this situation. I have attached all of the information regarding the attempts I have clearly made to resolve this matter. 

Thank you in advance for your time with this matter. 
Please feel free to contact me via email XXXX or cell phone XXXX XXXX or work XXXX. 

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

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX This agency is in violation of 15 USC 1692g.
Product: Debt collection

XXXX XXXX XXXX claims issued a debt to me in the amount of {$1000.00} for unpaid taxes and fees for XXXX for the XXXX XXXX XXXX XXXX and the Township of XXXX XXXX. I was not a resident in XXXX and thus, I do not qualify for taxation in XXXX. This is an invalid debt which they claim I owe. I moved to the area in mid XXXX. 

I believe they are attempting to collect more than they are due. There should be a penalty for these false positive attempts ( and unverified ) and they could trick many consumers.
Product: Debt collection

I C Systems placed a debt on my credit report, I never received any notices to my residence. 

The amount is {$630.00} I sent all the equipment and paid off my XXXX  account prior to moving from the address it was in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lobel Financial Corp knowingly financed a vehicle with motor problems, expressed during our interview. Subsequently, the XXXX XXXX XXXX failed SMOG. After communicating repeat SMOG failures, and unsuccessful repairs while making payments. I returned the XXXX XXXX to Lobel Financial Corp. 
Lobel sold the vehicle and charged off the balance of approx. {$4600.00}. 
Lobel refuses to update the incorrectly reported balance of approx {$4800.00} to all 3 credit bureaus.
Product: Mortgage

My mortgage company ( Carrington Mortgage ) overpaid my taxes while I was proving to my county assessor that this is my primary residence. The county has confirmed that this is my primary residence and has sent proof that they have refunded the mortgage company. However, the mortgage company has now increased my mortgage payment an additional {$2000.00} to make up for the escrow shortfall, even though they are receiving a refund. I have offered to pay my regular mortgage payment and asked them to wait for the refund but they will not even accept my mortgage payment. I now have received a letter indicating foreclosure and have been reported to the collection agencies.
Product: Prepaid card

I find that the netspend card by mail is deceiptive, and possibly XXXX XXXX XXXX  since they asked for a photo of my drivers license, and a copy of mail showing where I live. 

I received a debit visa card in the mail from Netspend XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I was expecting something from an online settlement, so I believed that this was that payment. 

* I used the XXXX code, input the information, and got told to call a number, my card could active. 
* I called, went thought the system and was told my card could not active. 
* I called, got an agent, and the agent said she could lead me through the website to upload PERSONAL information, aka my drivers license, and a confirmation of my address. 

At this point, I felt like this was a scam. I was being asked for personal information, and the reason was never revealed, except to active a card. 

Checked online, and it looks like a scam to open a banking account. This is revealed on none of the advertising, and none of the conversations with the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

Nissan Motor Acceptance Account XXXX XXXXXXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXXXXXX XXXX XXXX XXXX XXXX Fifth Third Ban, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

There is inaccurate addresses being reported on my credit report. Under 15 U.S.Code 1681 i, I am entitled to accurate and verifiable information on my credit report.
Product: Credit reporting or other personal consumer reports

Victim of identity theft have proper documentation, ftc report, police report etc. XXXX credit acceptance needs to remove inaccurate and fraudulent account number XXXX from all XXXX bureaus immediately!
Product: Debt collection

On Caine & Weiner Company Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$740.00} dollars, I have no knowledge of said account and I do not owe Caine & Weiner Company Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Caine & Weiner Company Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Caine & Weiner Company Inc. is a clear violation of the Fair Debt Collections Act. I am requesting that Caine & Weiner Company Inc. remove this collection account from each of my credit reports.