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

I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.
Product: Credit card

On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name.
Product: Bank account or service

XXXX 2016 I reported to my bank that my bank account lost money in XXXX, XXXX, XXXX and XXXX, my bank EAST WEST BANK in XXXX/XXXX/16 returned parcel my lost money {$18000.00} back to my account, now still has {$11000.00} not return to my account yet, I request EAST WEST BANK return all money to me ASAP.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX
Product: Mortgage

Property taxes are past due although taxes and insurance are escrowed each month. 

Overage of payments are applied to servicer fee, not principal, taxes or insurance. 
A request for documentation that provides proof that Carrington was authorized to take over from original servicer.
Product: Money transfer, virtual currency, or money service

I was scammed by crytocurrency XXXX - XXXX since XX/XX/2023. I made four different wire transfers to XXXX XXXX  via XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, GA. They use two Beneficiary banks : JPMorgan Chase, NA and XXXX XXXX. The total amount was US {$250000.00}. Having realized the scamming, I have immediately requested for recovery via XXXX. After several requests, JPMorgan Chase responsed in the message on XX/XX/2023 that " We are unable to comply with your recall request ''. XXXX responded that the accounts of acceptors were closed and did not provide details of scammer 's identity. 
I have already reported this fraud/scamming with FBI via www.ic2.gov. In addition, I have contacted SEC Atlanta, US Secret Service, FTC, and local Police. All these reports are attached.
Product: Payday loan, title loan, or personal loan

I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.
Product: Checking or savings account

On XX/XX/2019 I reported 16 fraudulent debit card transactions made using my Debit Card to Citibank. I was provided Dispute ID # XXXX. On XX/XX/2019, I received provisional credit for 16 of the 18 transactions. I also received a letter in the mail on or about XX/XX/2019 advising me that the transaction for {$540.00} was provisionally credited to my account pending final disposition of the investigation. However, I never received any such provisional credit for {$540.00} despite what the letter from Citibank stated. I have followed up multiple times with the Citibank Disputes Department and have requested to speak with a US-based supervisor on three separate occasions. On all three occasions, the supervisors stated they would send an email to the back office requesting that this error be corrected and that the credit be applied to my account. As of todays date, this has not occurred. Citibank has represented to me information that is false and misleading. Moreover, Citibank has passed the 10 business day deadline to apply the credit to my account. While provisional credits are at a banks discretion, it is noteworthy that Citibank did apply credit for 16 of the 18 transactions, sent a letter advising that the transaction for {$540.00} was credited, and subsequent follow up has failed to remedy this error. 

It is completely unacceptable for a bank to advise of an action that has not occurred and then fail to perform the action stated therein.
Product: Credit card

My husbands XXXX account was breached on XX/XX/XXXX and my credit card that was listed on his account was used to make several purchases on XXXX for a total charge of {$3000.00}. We were told on XX/XX/XXXX by XXXX that someone made these purchases and they advised us to call our credit card immediately which I did same day. The bank canceled my card ending in XXXX and issued me a new card. A few days after that I received some XXXX boxes to my home and I called XXXX immediately they told me to keep them and they would send a return slip I have been on the phone with XXXX and bank for more than XXXX times since this incident no one is doing anything. XXXX said they can not generate a return slip because they marked it as fraud and the bank says they can not credit me because the product are in my house. I did not order these items and I dont have a means to generate a return for them so I am being charged and it is going to ruin my credit since these charges are due on my new card issued by the bank. 
I would want XXXX to take back their stuff and credit my account. I have no idea what was ordered they have not been able to itemize what are in the boxes to me they keep telling me they can not do anything because it is marked as fraud on their end. 
Thank for your time because it is a long and confusing explanation. I am so frustrated because I have been dealing with this since XXXX and I am not getting any resolution
Product: Credit reporting or other personal consumer reports

XXXX accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX  : XXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX  : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXX XXXX which is not my name please delete
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT ADJUSTERS , L.L.C This account is currently under dispute under dispute Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX.XXXX  Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$430.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Your statement
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondences to Money Lion about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were disputed as fraudulent and  XXXX ,  XXXX  and tranunion have failed to remove said items from my report as mandated by 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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , total  XXXX
Product: Money transfer, virtual currency, or money service

I started an account with XXXX  somebody hacked my account now I can't withdraw my money and I've contacted support for over a month now and they just keep giving me the run-around I did what they asked I sent a picture with my face the date and everything XXXX or XXXX times even when I was at work in my work uniform and they just keep telling me to send a picture and I want my money
Product: Checking or savings account

I deposited my check via mobile app. A state of California issued check. I received approximately half and the other half was placed on hold. My funds were held or scheduled to be held til XX/XX/2020 the deposit was made on XX/XX/2020. I called USAA and asked why my funds were not in compliance with RegCC  expedited funds availability act. I told them that the hold was incorrectly placed because the check was a State Draft and should be handled differently. The executive complaint resolution persons told me that I agreed to waive Reg CC by using the Mobile App to deposit my check. How can I waive the obligation of an institution to comply with federal regulations? This seems illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX Hi, To whom this may concern, I am writing this letter to Portfolio Recovery Associates and all three credit bureaus XXXX, XXXX and XXXX. 
To inform Portfolio Recovery associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who Portfolio Recovery associates is. I have never received nor sort of mail or any sort of communication from Portfolio Recovery associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included XXXX XXXX my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. 
Overly paid off. 
I was reaching out to XXXX XXXX a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. 
Each time I will make a payment to my XXXX XXXX account the following month I will owe more money. 
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with PORTFOLIO RECOV ASSOCIATES up until today. 
I have disputed portfolio recovery associates. And I will sue portfolio recovery associatesXXXX XXXX XXXX  for fraudulent activity.

I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. 

I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my XXXX XXXX account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. 
I do not see how any of this is possible? Without validation. Authorization orauthentication?
Product: Money transfer, virtual currency, or money service

I opened a Paypal account to receive some money for marketing services I do. It was in XXXX, I ony got XXXX dollars payment, but the platfrom puts minimun withdraw of XXXX dollars, so I was blocked by them.Moreover, this year I received a Payment of XXXX dollars and I used the PAYPAL SERVICE, trusting in their good will, but what has been happening is the worst nightmare ever.It happened on the first week of XX/XX/XXXX Once I tried to transfer the money to my bank account, they starting asking me so many documents to, confirm my address and identity, and refusing to do transactions because and slash or dot on the document or any single issue, even a comma,, every single issue that is useful for them to avoid the transfer, they have been using that against me.THey are acting like enemies, trying to keep the money from people from XXXX, avoiding and putting odds, to transfer money to banks accounts.I wonder whats the purpose of such these financial platfroms, to make the proccesses difficult and tough for international customers and provide a lousy service?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : XXXX
Product: Vehicle loan or lease

Legally a notice a repossessions is suppose to be sent in 3 days after repossessions you noted that the date was sent XX/XX/year>24. The car was repossessed XX/XX/scrub>/24. That was the first violation. The second violation is you are LEGALLY required to send documents of all belongings... I should not have to call anywhere when it suppose to mailed to address on file. The third violation The lender must also send a notice informing you of their intent to sell the vehicle with details about the time and place of the sale, and the amount still owed on the loan. I wasn't sent anything til AFTER you sold the vehicle which was significantly less than market value, which is a lawsuit by itself in Illinois. The car was sold XXXX. And the value on the car is XXXX. I have no intention on ever paying this off. You better off removing from my credit and write it off on your taxes. I paid almost XXXX on this car and you still sold it for almost {$9000.00}. That's well over the cost of the car. You will never get another dime out of me. If you decide to take me to court I will present all facts and I know for fact by law this will be drop and you will be paying me .I will be filing a suit because legally this company has broken many laws including predatory lending which i still never received a copy of the contract after leaving the dealership. I never answered yes to {$3000.00} down payment. I only paid {$500.00} and I showed proof of that. I will be placing law suits against XXXX XXXX and consumer portfolio. This is not the first time consumer portfolio. Has been sued for its lending practices.
Product: Vehicle loan or lease

I'm writing letter to complain to you about auto loan Toyota XXXX XXXX XXXX XXXX XXXX | received call from financial services for given me offer XXXX $ if I pay off my car loan right away I accept the offer and pay XXXX $ after I got report in my credit ..late payment and legally pay off not full amount I didn't ask for offer and never missed payment I try hard to sale my car in Auction and confirm to many time appointment with Toyota financial services to pickup car but never happened and I got call for pay off my auto loan in 6 months I say great for me but it doesn't work ..I wan na close my loan and get new car no have any problem but no one help me ..why I received report negative response ..l 'm never missed payment.. please I wanaa help for fix all that..I didn't do anything wrong l 'm not deserve Thank you
Product: Debt collection

I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.