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

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Product: Checking or savings account

Opened a Capital One account in XXXX to utilize XXXX as well as keep my main bank account away from auction transactions or anything else I sell online due to having XXXX just steal over {$2000.00} from me and send to someone in XXXX ( filed multiple complaints on this incident and received not one response ). 

I had several XXXX transactions and also several paychecks deposited into the account. For no reason at Capital one said the account was fraudulent and locked it down. It was froze for over 2 months and had several more paychecks deposited before i got my direct deposit changed. 

They just sent me a letter saying that they sent all funds beack to there original source. I'm now bankrupt.
Product: Credit card or prepaid card

I would like to let the XXXX app have access to my account by using my supplied credentials. It had acess but was blocked since XXXX.
Product: Vehicle loan or lease

On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX, NH XXXX. On XX/XX/2020 I put down a deposit on a vehicle with a financing price of {$11000.00}. I returned on XX/XX/2020 to finalize the deal on the vehicle the sales person never explained any changes. I noticed the amount on my loan was higher then expected so I called company that made the loan ( Credit Acceptance ) they did not help. I then read through my contract and found that XXXX XXXX XXXX listed the vehicle at {$17000.00} that was not the price advertised. Also not the price I agreed. They also charged me for a XXXX insurance which I never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX XXXX, XXXX AND EXPERIAN continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR 60 months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN 7 YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD XXXX, XXXX AND EXPERIAN continues to VIOLATE the Fair Credit Reporting Act
Product: Student loan

My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against Equifax for refusing to remove a fraud alert from my credit reports, I have sent in all documents numerous of times and still they refuse to remove this fraud alert. After receiving a condition for mortgage approval I was notified that the alert showing extended fraud alert was placed on my credit file still by the lender, I called to see why? Equifax repeatedly assured me that it is no such alert on my credit report, days later I received a credit report which shows a credit file for XX/XX/2020. Equifax is still reporting this on my credit report as I have uploaded a copy for proof.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ========EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/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 Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Product: Credit card or prepaid card

I sent a debt validation letter in XX/XX/2019. I received a response in XX/XX/2019. The amount reflecting was updated from $ 200+ and reduced to {$150.00}. I in turn sent a letter requesting the debt be removed from my credit report in XXXX and I havent received a response. I did speak with someone at Wells Fargo and I was told the debt had surpassed the statute of limitations and no longer collectible. I was informed that I should receive a 1099-C for the debt. I have not received this document yet. We are in the process of trying to purchase a home and this debt is hindering me from repairing my credit. If I cant pay the debt, I need it to reflect closed and paid or settle or what may have you.
Product: Debt collection

I took out a loan with TD Auto finance in XX/XX/XXXX. I have made my payments on time. My payments were {$390.00}. I often paid more than my {$390.00} payment. In XXXX TD Auto Finance reduced my payments to {$190.00}. At first I continued to pay {$390.00}. and called the company to see why my payment amount had changed. I spoke with a XXXX who told me that I was over paid on my account. I initially wanted to continue to overpay at {$390.00} but I wasn't seeing the amounts that I was paying reflected in my bill. I started paying the amount that they billed me and they are now telling me that yes they changed the payment amount but I have to pay my original amount even though I am overpaid and don't see a reduction in my bill that matches how much I paid over my bill amount. The company has called me repeatedly for weeks, texted me and they are telling me that I have defaulted on my loan. I am paying the amount that they are sending me to pay each month. I can be reached at XXXX. I want to talk to a person and explain. 
Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I have requested deletion of this account because I am not associated with this account and have disputed its reporting directly with the furnisher. Delete this today.
Product: Credit reporting or other personal consumer reports

All delinquent accounts from XXXX and any other creditors that have been banned and misreported my Information. All medical bills and credit cards company. XXXX and XXXX XXXX
Product: Checking or savings account

My wife and me opened an account in Wells Fargo by the least six years ago. We live in XXXX and all the time we want to access to our info bank, our deposit or simply to know if is possible to use our credit or debit card. 

Wells Fargo prevent us to access to our account and to our money and is impossible to use the online banking because that tool is blocked for any reason that the bank and the people working for it don't resolve. 

Is inconcebible and crazy can't access to our money or our account because none reason. 

We need your help and to resolve a big problem that involves our savings and our sons, in the middle of pandemic for XXXX XXXX. 

XXXX XXXX and XXXX XXXX
Product: Credit reporting

Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.
Product: Checking or savings account

I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.
Product: Credit reporting or other personal consumer reports

I am currently going back and forth with XXXX XXXX regarding ownership of this account. According to FCRA 15 U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate information on my account. XXXX XXXX continues to prolong this matter while updating remarks on my credit report. I have not received the PROPER documents as requested ( DEBT VALIDATION ). A debt validation letter is not the same as STATEMENTS. This company has not provided their license number or the right to collect debt within my state ( GA ). I am requesting these items specifically below. 

Proof I owe the debt The exact amount of the debt The age of the debt The debt collectors documented ownership of debt account The debt collectors license, or right to collect on the debt in your state A calculation of whether the statute of limitations has expired for collecting the debt
Product: Vehicle loan or lease

Toyota MTR repossessed the car in the process damaged the property where the car was parked. Private gate and grass was damaged. The car was auctioned for a fraction of the price of what its worst however reporting of late payment continued. I was not told all my options of how i can get my car back before the auction. I was pressured to pay the back payment by a certain time when I later found out I had more time before it was actually auctioned away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Express recovery is reporting as a collection on my credit report with transition, this is from an alleged medical debt that I have no knowledge of. 

This is not my debt and even if it was the CFPB has ruled medical debt can not be reported to the credit reporting agencies. This collection is directly against the CFPBs recent ruling
Product: Mortgage

When I refinanced I was given an address to XXXX so was sending payment there, I received a delinquent letter, called to get info where I was suppose to send bill, the payments where never late, my account just did not reflect the correct date financial company applied payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # 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

These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Experian by phone and sent numerous disputes regarding this inquires. Experian refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX of XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please delete this inquires immediately from my credit report.
Product: Credit reporting

Repeatedly I have asked XXXX, Equifax , XXXX, XXXX, XXXX to remove the statement " foreclosure started from my credit reports. They always said XXXX XXXX XXXX refused to take it off. The attached document from XXXX XXXX XXXX disputes that now and I want it off my credit.
Product: Mortgage

We have taken a home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a Hail Claim, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work and the mortgage provider is not releasing the amount to the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. TransUnion will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. TransUnion refuses to look into this.
Product: Mortgage

XX/XX/2015 the XXXX of XXXX NM cleared the deed, after the City received a letter claiming the lender can not and will not foreclose on the property. The City sold the property in a municipality sale to an auction buyer and issued a quit claim deed transferring ownership from the City to the auction buyer who recorded ownership. The auction buyer sold the property to me XX/XX/2015 by quit claim deed transferring the ownership from the auction buyer to me, which I recorded XX/XX/2015. 
A party claiming to be Bank of America as successor in interest, reopened the City case and entered Bank of America. Bank of America denies having any record of ownership and issued an email stating the loan is " not Bank of America ''. Bank of America refuses to release the recorded ownership stating they have no record of the loan. The party claiming to be legal counsel hired by Bank of America has pursued a writ of assistance and is having me forcibly removed from the property.
Product: Credit reporting or other personal consumer reports

The XXXX, XXXX XXXX Police Report and the FTC affidavit needs to be sent to all XXXX credit bureaus.
Product: Credit card or prepaid card

Letter sent to the Chase Bank Fraud dept. on XX/XX/XXXX : This is the second time my Chase credit card has been fraudulently used in the amount of {$5000.00}, card # XXXX XXXX XXXX XXXX. I called the Chase Card Compliance dept. on XX/XX/XXXX to close my credit card permanently. I don't think my Chase Credit Card was closed permanently on XX/XX/XXXX. I now know my card was closed permanently on XX/XX/XXXX. How did this happen when I was trying to be proactive and close my account on XX/XX/XXXX? 

I had a fraudulent charge on XX/XX/XXXX in the amount of {$5000.00} with a previous card. I subsequently closed the credit card due to fraudulent usage. This was a fraudulent transaction based on the following from the XXXX  Financial Conduct Authority ( FCA ).

The XXXX  Financial Conduct Authority ( FCA ) has issued a warning against XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Subsequently, consumer protection sites ( see XXXX ) and regulators in XXXX and other countries have also warned against the scam. The warning has disappeared from the FCA website, but many other websites on the Internet still reference it. 

We assume that XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) lawyers have intervened with the FCA. Fund Recovery is just not a business that requires a license. It is also, unfortunately, unregulated.

In the view of the somehow damaged XXXX XXXX brand, it makes sense to work through the partner XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.
Product: Checking or savings account

I contacted Chase bank on XX/XX/XXXX around XXXX on issues of XXXX XXXX XXXX on authorize debit of {$440.00} out of my Checking Account. 
I signed a agreement online on XX/XX/XXXX on with XXXX Extending the arrears payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX n the back of my Auto Loan. 

Regular Periodic payments continuing on XX/XX/XXXX and resuming periodic payments continuing on 4th of each month on time. 
I filed a claim on XX/XX/XXXX at around XXXX with Chase bank Rep on a live cell phone conversation XXXX. 
I respectfully ask Chase Bank not to release the funds to XXXX and keep the funds in my account as I have written a check to pay a my XXXX  XXXX Mastercard bilXXXX of {$200.00}. 

Chase bank release the funds of {$440.00} to XXXX from my checking account ending # XXXX and now my Checking account is overdrawn over {$600.00} dollars. 

On XX/XX/XXXX at around XXXX I went to Chase Bank at Consumer Banking XXXX XXXX XXXX, XXXX, California.XXXX -XXXX. 
I spoke with personal banker Mr.XXXX XXXX.NMLS ID:XXXX. 
I explain to him on the the issues of funds been debited unauthorize by XXXX and he called Chase bank Claim Department. 
I talk to Chase bank claim department and she stated that claim was implemented on XX/XX/XXXX and I told her I had evidence of XXXX issues and Mr.XXXX fax XXXX document on agreement in not debiting the {$440.00} on XX/XX/XXXX out of my checking account. 

A CFPB complaint was filed by me on XX/XX/XXXX against XXXX XXXX XXXX, filed complaint case # XXXX I am XXXX Lifetime and XXXX. 
I only receive California XXXX XXXX XXXX Lifetime Retirement Pension Income only.
Product: Credit reporting

I have sent Transunion proof from XXXX Bank ( XXXX XXXX ) that the creditor agreed to remove the late payments on my closed account. Transunion has received this information several times yet do not update my account. I have been in contact with XXXX XXXX XXXX at XXXX Bank ( XXXX ext XXXX ) who has assured me that the late payments were removed on his end yet Transunion refuses to update my account.