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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  CARD Account Number : XXXX Please remove it from my credit report. 
23. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  BNK Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I have a loan with LENDINGCLUB CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LENDINGCLUB CORPORAT with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Experian is reporting false information. This information is being reported and adverse information on my credit report.
Product: Debt collection

AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$410.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Vehicle loan or lease

My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.
Product: Debt collection

Consumer has a right to privacy. XXXX XXXX XXXX ( XXXX  ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to BMG LoansAtWork , LLC. The debt collection agency was informed to cease and desist contacting the Consumer. XXXX received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with BMG was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. XXXX  has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by BMG that BMG submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. XXXX  took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. XXXX decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with XXXX. Consumer has suspicion of these two companies, BMG LoansAtwork , LLC. and XXXX to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with XXXX  and/or BMG. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. BMG IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Uncredited Transfer PayPal Dear Consumer Financial Protection Bureau representatives, I am submitting this complaint against PayPal regarding a transfer of funds that I made from my PayPal account to my linked debit card at XXXX ( XXXX ), which has not been credited to my bank account to date. 

Transaction Details : Date of Transfer from PayPal : XX/XX/2022 Amount Transferred : XXXX Instant Withdrawal Fee : XXXX PayPal Transaction ID : XXXX Credit Card Transaction ID : XXXX Decrypted Transaction ID : XXXXXXXX XXXX Code Provided by PayPal : XXXX Receiving Bank Account : XXXX XXXX XXXX XXXX in XXXX Associated XXXX : XXXX XXXX XXXX XXXX XXXX XXXX The funds originated from a PayPal transfer I received on XX/XX/2022 from XXXX XXXX XXXX XXXX, with the following details : Amount Received : {$1400.00} USD, equivalent to XXXX PayPal Transaction ID : XXXX Date of Receipt : XX/XX/2022 Date Funds Were Released in PayPal : XX/XX/2022 Although the transfer from PayPal is marked as Completed, the money has never been credited to my bank account. 

Actions Taken So Far : XXXX. I contacted XXXX, but they informed me that they could not trace the transaction using the provided XXXX  code ( XXXX ). 
XXXX. I contacted PayPal multiple times, requesting a resolution, but despite providing all the necessary details, they have not offered a clear answer nor a solution to the issue. 
XXXX. This delay has caused me significant financial hardship, forcing me to take out loans and even seek medical assistance due to stress, all of which I have documented. 

Requested Resolution : That PayPal conduct a thorough investigation to locate the transferred funds. 
That the amount of XXXX be credited to my XXXX account or, alternatively, returned to my PayPal balance. 
If PayPal can not locate the funds, they must take full responsibility for the error and issue an immediate refund. 

If I do not receive a satisfactory resolution within a reasonable timeframe, I will be forced to take legal action before the XXXX XXXX XXXX XXXX XXXX ( XXXX ), the XXXX XXXX XXXX XXXX XXXX XXXX, and any other relevant regulatory authorities. 

I appreciate the XXXX  intervention in this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I overpaid the Ally Lending account # XXXX XXXX XXXX XXXX in XXXX of 2022 by {$100.00} and have requested reimbursement numerous times. 
Customer service agents say they mailed the check in XXXX of 2022. I have called them each month since then to follow-up ( 7 times as of XXXX ) as I have not received the check or any checks at all. 
I do receive their paper statements each month in the mail and I have verified my address with them each time I call. 
It has become very frustrating to hear that this bank can't refund or find another way to reimburse me. They say that cancelling and re-issuing a check is the only way. But the check never gets here. I requested a tracking number or proof that they have in fact mailed the checks. But they say they can't provide any other method of payment. I just spent 40 minutes on the phone with them and numerous supervisors ( XXXX, XXXX, XXXX, XXXX ) have juggled me around and they don't come up with a solution to simply refunding me the money with another method or providing me with a tracking number for my check. 
I'm attaching a few statements for your review.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was notified by Venmo that there was a dispute with a payment I received and they were taking the funds back. I didn't have the funds in Venmo to cover the amount removed so I transferred the money back to Venmo immediately. I argued the dispute and the person that started the dispute canceled it altogether and her bank issued a letter on XX/XX/23 that the dispute had been dropped and the funds would be deducted back from her account. On XXXX the funds were deducted from her account and given back to Venmo. I have attached documentation showing both of the claims. I had no idea she had canceled the dispute so I was still waiting the 75 days to hear what happened. I was contacted by the person that started the dispute on XX/XX/XXXX and was told that she had canceled the dispute and that I should have the monies owed to me. She provided the same proof I have attached for you to review. Venmo has had these funds since XXXX, I presented them the same attachments I have provided you and they still have not refunded me the money due to me ( {$1800.00} ) and I need this money.
Product: Mortgage

My new mortgage company XXXX XXXX just sent us a bill of around seven thousand dollars. On the bill and over the phone, XXXX broke down why they are were charging us so much on this bill. They said the sum was made up of increases in property taxes, school taxes, home insurance and other increases that had occurred during XX/XX/2018. Which was the year AmeriHome Mortgage had our mortgage, they also said someone from AmeriHome was supposed to make sure the increases were applied during XX/XX/2018 and failed to do so. When XXXX bought out our mortgage they had to pay the surplus and now charge us. Our mortgage was not serviced correctly, and this negligence has cause this large bill to fall our shoulders.
Product: Debt collection

XXXX has credited my account {$140.00} XX/XX/2020 and sent me a VISA card for the same amount. On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$2600.00}
Product: Debt collection

I had a fire at my house in 2006, surfpro did the clean up. The insurance company paid them. The hired a collection agency to collect, the company forgot about the bill that was XXXX dollars the agency added XXXX which put a garnishment in my account XXXX XXXX said the garnishment, it's supposed to be XXXX XXXX XXXX dollars and they sent me a letter the the agency made it to XXXX XXXX XXXX dollars within five more day. That's price gouging. I told the company my wife just passed i had XXXX. And I went XXXX in XXXXXXXX XXXX  I haven't worked in three years. The name of the company JRCM IN 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 has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$2300.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX CPS Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

The debt in claim has passed the Statute of Limitation in the State of Florida where I reside of 5 years. Also interest has been increasing illegally every time the debts has been posted since is a violation of the Fair Federal Reporting Act According to the Fair Credit Reporting Act,
Product: Mortgage

So since the company has taken over our mortgage in XX/XX/XXXX, its been a struggle to get a hold of our account manager. Everytime we come up with a large amount of money that would cover one letter sent to us, Ill call to make a payment and they tell me a different amount which is more than what we have. Ive faxed paperwork to them 3 times to get on a repayment, they say they never received one page or i cant log in to complete, the website tells me our account doesnt exist. Ive left 5 messages this week alone and wanted to make a payment in the amount paperwork received on XX/XX/XXXX said was due {$3700.00}. and when I call Im informed the amount is actually XXXX.? And they wont accept my payment. I refaxed paper work for help ( again ) yesterday and have left a message for my account manager and havent heard from them. I sent an email to another loan manager, still no reply. We received a statement in late XX/XX/XXXX and the amount due at that time was {$3000.00}, due by XX/XX/XXXX. Why wouldnt they take this large amount? Please look at the dates on the paperwork, I just received the one dated XX/XX/XXXX, last week! The one dated XX/XX/XXXX on XX/XX/XXXX! We received the statement for XX/XX/XXXX.

It would be easy for them to take our home if I didnt call, their mail department is in no hurry to get anything to us and I cant log in to our account and they wont send anything via email, except the loan modification forms. Ive asked for late charges to be added to next months mortgage? Why cant they take all the payment and add that on? How are they coming up with 3 different amounts? Why wont they call me back. We want to save our home ... We are just dumbfounded they wont take our money and just keep raising the amount for what we have to do to bring it current. We believe Fay Servicing is trying to take our home. We HAVE tried to make even partial payments just to catch up, they wouldnt accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXXXXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong to me.