23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to all the credit card companies on my credit report as well as ncb management services requesting a validation letter of contract. These companies were not obtained by me. These companies refuse to work with me. I have been XXXX from work since XXXX of XXXX. I was never in financial position to take on any credit cards. 
NCB management services want XXXX the account was open XXXX. That is not a company i worked with.XXXX XXXX XXXX XXXX is not a company i work with they instead wrote of the debt imstead of removing the fraudulent account. XXXX XXXX XXXX wrote off majority of the fraudulent account now XXXX dollars owed instead of allowing me to do a fraudulent packet.XXXX XXXX XXXX has a fraudulent balance of XXXX this account is not mines. XXXX  XXXX is a fraudulent account with a balance of XXXX. Last but not least XXXX XXXX opened a fraudulent account with balance of {$360.00}. I have requested documentation of validation constantly from these companies they refuse to send the paperwork. I have tried to handle this with each company they refuse to respond to any legal documentation i sent them. None of these companies have a contract with my physical signature confirming that I accept responsibility of the debt.
Product: Consumer Loan

I decided to purchase a leased vehicle and sought financing from J.P. Morgan Chase bank as I was n't able to afford the more than {$14000.00} required to pay for the car in total. A financial structure was set up but now I find after 4 years of automatic deductions from my checking account, totaling nearly {$24000.00}, there 's at least 2 more years left to pay and a payoff balance of more than {$6000.00} which means I will have paid {$30000.00} by the end of this set up. Is this predatory lending? I have been a preferred customer with the bank for over 30 years. What can I do to negotiate a better deal as a retired XXXX year old living on a fixed income? I tried to return the vehicle back to the dealership but they refused.
Product: Money transfer, virtual currency, or money service

Money was missing couple times. And card used without my knowledge.
Product: Credit reporting or other personal consumer reports

Experian provide results of dispute on XXXX for : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX .Experian results dated XXXX stated account were deleted on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, However, XXXX is being reported on my Experian credit report. Attached is screenshot of dispute results with several dates stating ( XXXX ) account is deleted, Experian admits XXXX XXXX is deleted.Attached is screenshot showing XXXX accounts in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX promissory note validates account paid in full before XX/XX/2017 ( XXXX XXXX day late is impossible, though XXXX, Equifax, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, Equifax, XXXX  continue to inaccurately report for several years.
Product: Credit reporting or other personal consumer reports

This morning, unauthorized inquiries appeared on my credit report, and I dont understand how. I always check my report regularly, but this time, discrepancies suddenly showed up. I thought it was just a browser issue and tried refreshing, but the inquiries didnt disappear. I need this resolved immediately, and Im asking for the documents I sent to be thoroughly reviewed so I dont have to worry about it anymore.
Product: Checking or savings account

I applied for a business checking and savings account with US Bank, at the moment I had an active open personal checking and savings account with them for almost six months. 
After applying for a business account with the company and paying my {$100.00} deposit to open the account, I was approved for a short period of time and then informed shortly after that they would be closing my account and I wouldn't be able to open any kind of business accounts with them. 
Confused, I called the customer service line and asked why my recently opened business account is closed, none of the customer service reps were able to tell me why my application was denied and account was closed, all they would say was " you'll get some mail sent to you explaining why your account was closed. '' A couple of weeks later I received mail from US Bank saying that they are going to close my account but it doesn't give a reasoning on why it's closed. I called US Bank again after realizing the letter doesn't explain why my account was closed and asked to speak with a supervisor. The supervisor wasn't able to give me a reasoning why it was closed either. This company is denying customers accounts and not giving a reason for their decision.
Product: Payday loan, title loan, or personal loan

I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.
Product: Money transfer, virtual currency, or money service

You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello XXXX, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Regards, XXXX XXXX. 
Account Specialist | Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX
Product: Debt collection

I sent a letter to the credit bureaus and they updated it as if it belonged to me. I am a victim of identity theft ( XXXX XXXX, a credit card company I have an account with ) and my information was compromised. ( see attached ) I would like for XXXX XXXX to update my account and change the inaccuracies of the late payments ( XXXX - XXXX ). I also feel this company has unfair practices, explanation of interest/charges were misleading and unfair. These fees were manipulative and were a sales tactic to attract customers with low advertised prices, only to tack on additional charges later. It is very deceiving and frustrating. 

I DO NOT owe Midland Credit Management. Please make them remove it off of my credit reports. I sent certified letter to the credit bureau, called and to no avail did I receive any relief. Please help! Thank you!
Product: Mortgage

In XX/XX/2021, I telephoned Freedom Mortgage Company to advise them the XX/XX/2021 payment would be paid at the end of XXXX because my wife and I were closing the account due to the sale of the home. On XX/XX/2021, we signed all documents with the title company and from there, they processed the payments. To my knowledge, they were going to wire the balance due of the loan that day but instead, the title company chose to send an overnighted check to XXXX. That check was received according to tracking o XX/XX/2021. Freedom Mortgage then reported to credit bureaus on XX/XX/XXXX that the account was XXXX XXXXays past due, even though they had a check in hand that they never cashed. This has caused both my wife and I 's scores to drop substantially, creating a hardship for us. Even thought the account is now paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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
Product: Checking or savings account

I had been paying my phone off for XXXX XXXXXXXX financing through Bank of America auto Bill Pay for nearly 3 years. Never missed a payment with them or ANY creditor. I've worked so hard to get and keep my credit up. My bill pay paid all my bills until, unbeknownst to me it just stopped for no reason. I learned this am that there was an issue when I looked on my credit karma account and learned that the Bank of America auto bill pay did not make the scheduled payment on XXXX and XXXX and my credit score took a bashing! This is the ONLY late payment or any derogatory marl and was NOT of my doing. I pay all my bills on time, every time. 
This issue is one caused by BOA bill pay suddenly not making the last 2 payments. I spoke to XXXX XXXXXXXX this am and paid them the full remaining balance ( approx {$130.00} & change ). The XXXX XXXXXXXX rep volunteered to me that he's seen this happen many times that a customer had a seller payment history, and paying through auto Bill Pay and it stopps. He advised I speak to BOA to get the fees credited by them and get help removing this from my credit file. I called BOA after that and the rep needed to verify the fees with XXXX XXXX so she called and we were in a 3 way call. Then as I was speaking the call dropped. I didn't know what to do since the call to XXXX  was a 3 way call initiated by BOA. I tried to call BOA back. It took forever to reach someone and then she was having technical difficulties and had a supervisor call me. When that supervisor called, we were in the midst of discussing and I was hoping to get everthing resolved and AGAIN- The call dropped! I called back to XXXX  to ensure they had issued the {$40.00} credit and they had. But I was to get BOA to refund me XXXX for the other fee. And help to get this off my credit file. 
I went to my BOA inbox and they had sent a message but did not acknowledge the XXXX refund. They also didn't say anything about addressing the ding to my credit. 
I want this fixed! 
This was not MY doing. 
BOA did not pay the auto payment. From looking on line, this is a complaint others have made. 

Please help me get this sorted out. I worked so hard for so long to get my credit score to where it was to have it damaged due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX  ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.
Product: Debt collection

THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
Product: Mortgage

The mortgage originator repeatedly asked for us to falsify information on official documenst, and also for our CPA to blatantly lie on official documents. 
He was replaced with another partner in the company, and we are being told that our loan approval is contingent on the release of our daughter 's medical history - an obvious HIPAA violation. She was adopted from XXXX XXXX, and the mortgage company is including the XXXX XXXX XXXX payments as part of our income. They have received every page of every form they have asked for, but with her medical history retracted from the form. They tell us that releasing this information to underwriting is the only way they can approve us for a mortgage. 
This is all after months of working with this company, and being told all along that we were already approved for the loan. Now our home has already been sold, and we are in escrow on a new home. They are delaying the process unnecessarily, which could ultimately cause us to lose our bid on the new home, and potentially have nowhere to live at the end of the month, when we are required to move out of our current home.
Product: Debt collection

Date XX/XX/XXXX XXXXXXXX Amount {$410.00} I.m dispute this debt cause this account was close in XXXX by the company and trying to get money when this account was closed by them in XXXX. I.m dispute and contest this account... is close ....
Product: Money transfer, virtual currency, or money service

I tried to cash my " us bank '' issued XXXX XXXX XXXX XXXX check as I do every month for the past year with no issues.I walked into the XXXX XXXX branch in XXXX XXXXI showed my Id and check.the bankteller stamped the check then called her coworker " XXXX XXXX '' over then they spoke a different language then they handed me the stamped check with my id back then told me the check wasn't processing.I asked to speak to a branch manager and was told none were available.then i asked if the stamp on the check would affect the ability to cash my check at a regular check cashing place and XXXX XXXX told me it wouldn't.when I went to a check cashing place, the said they couldnt cash the check because of and only because of the stamp.Im living check to check to check I cant afford to be scammed for XXXX dollars that is supposed to pay my utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Creditor ( Credit Acceptance Corp ) ( XXXX XXXXXXXX XXXX XXXX has Violated my rights under the 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 an account without my written instructions. Under 15USC 1666 B 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: Checking or savings account

When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account online. I was first attracted to open the account due to an advertised banking bonus offer. After opening an account, the banking XXXX ( XXXX XXXX XXXX ) told me that I already had an account open the same day. So my attempt online was successful even though it never notified me that it went through online of gave me information on the account online. So it deceived me online and I never knew it was open. He closed the extraneous first account in the branch and told me it should not affect the bonus offer. 
I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. 
The banking offer eligibility website kept saying pending even after weeks and gave me no information on why eligibility review was pending. I called customer service at least 3 times and kept gettin a different response on my the bonus did not come through. The first 2 times it was that it took more time for it to some. The final time they told me to go into the branch to discuss. I went into my local branch twice but the bankers would not talk to me because I did not have an appointment but it does not allow you to make same day appointments. 
I am concerned about the deception with opening the account online and not notifying me it went through and was open and also with the not granting the bonus offer for opening the account.
Product: Checking or savings account

XXXX As you can see this was necessary because Citibank was poor in helping me. I spent an afternoon with the branch manager @ XXXX. We spent hours getting transferred from one Citibank person to another. None were helpful, The idea was to fund a checking account, and when funded qualify for a bonus. I initiated this transferring out of my XXXX savings account to a new Citi account. One thing I was not aware was Citi debted my XXXX account. I never gave Citibank permission to enter and withdraw money from my XXXX account. The XXXX branch manager pointed this out to me, something done without my permission. 

In a reply from the above referred complaint Citibank suggested XXXX could issue an refund of funds. XXXX advised they couldn't since it was Citibank who withdrew the funds. 

I hope you get better support this time.
Product: Credit reporting

The employment info is incorrect. I have never worked at XXXX or XXXX. I 've work for XXXX XXXX for the past 15 years. Not sure who is reporting this bogus info.