23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is to inform the CFPB that as a consumer I have the power to delete Any information that is inaccurate on my consumer credit report. as a member of the United State Corporation the company XXXX XXXX XXXX Has violated my personal Private information, I have Create it a PDF file I will share that PDF file with the CFPB, and you can share that file with XXXX XXXX acceptance I am requesting the CFPB to do a proper verification in regarding the violation Of XXXX XXXX contract I have been disputing this account for two years now and the information comes back verifiable I have asked XXXX XXXX acceptance to delete the information posted illegally on my consumer credit report. XXXX XXXX need to provide me with verification of my permissible purpose Verification Signature. I did not give XXXX XXXX permission to post this information on my credit report I have also in the past try to settle this Dispute with XXXX XXXX acceptance. Which is not leading to any agreement in this contract. I have a PDF file that I am providing to the CFPB with an explanation of the violations XXXX XXXX has taken. that are violating my rights as a member of the United State corporation is unacceptable, I do not want to Conduct Any business with this company anymore. The company XXXX XXXX acceptance Motive Is to damage the United States Corporation and the banking system. XXXX XXXX does not understand the truth in Lending Act. XXXX XXXX does not understand that this account has been paid in full since the day This account XXXX XXXX fault. I have also asked XXXX XXXX to provide me with 12 CFR XXXX  followed by XXXX In the process of the two years disputing this account, I have asked XXXX XXXX to provide me with those documents. Until the present day, XXXX XXXX has not provided me with the 12 CFR documentation that I as a consumer has requested by law.
Product: Mortgage

I applied for a homestead exemption for property taxes in the state of Indiana and got approved last year. I received the reduced tax liability from the state sometime in XXXX last year ( I think ) I reached out to my lender sending XXXX different emails regarding the reduced taxes to be collected this year and received no response. Finally I called last year to confirm if I needed to send documents and they told me on the phone that they regularly update that information and I dont need to worry. I see my new statement and theyve still charged me the elevated taxes. I call and the woman told me they would check and get back to me and that it takes 3-5 days. Still I emailed documents that confirmed I was approved for homestead exemption that reduces my taxes by a significant amount. This was on the XXXX of XXXX. No update, so I call back on Friday and Im given the run around again. The woman said she will call back once she hears from the concerned department. I never got a call. So I call again on Monday ( today ) and its the same answer- Ill get back to you - give us 72 hours. This company overcharged me for Escrow last year and Im supposed to be getting $ XXXX back as a result. They will do it again. Its not right and I dont appreciate the way theyve been treating my case. If the state has sent them my property tax assessment why are they charging me more. There has to be some recourse for a company that has a history of breaking the law.
Product: Mortgage

XXXX XXXX XXXX. XXXX is the new managing agent as of XX/XX/18. I have called over 3+ times to inform US BANK of the change in addition to faxing, and writing a formal letter with a management agreement attached signed by the president of the board for this building. This is a co-op in NYC-it is a residential building which operates as corporation comprised of a board ( with board members that are elected annually ) we are the new management company and we handle all the affairs/operation of this corporation/building. The mortgage company refuses to forward the statements to our office. They refuse to grant us online access to review the information online. Although they are gladly accepting payments from us and applying them accordingly to the account. The building reserves the legal right to receive a statement. The loan in itself is almost maturing but the board is unable to view any statements since they have switched management companies. Another conflicting issue is that some way the previous management company ( which managed the building less than 1 year ) was able to receive statements/mailings from US BANK.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX account was hacked and fraudulent charges totaling {$1700.00} were initiated on XXXX XXXX XXXX  They were both on an Affirm virtual card for XXXX through XXXX XXXX. I have a legitimate Affirm account for my XXXX bed that I purchased in XXXX XXXXXX/XX/year> and have paid for the last 6 months. I never applied for XXXX XXXX XXXX XXXX account totaling {$1700.00}. They went through my XXXX  XXXX XXXX checking account and stole from me. I called XXXX fraud services and was denied even though the purchases were initiated through XXXX. I have NEVER used XXXX money transfer in my life and never had an account with them. I submitted multiple claim to Affirm INC and they denied my legitimate claims without giving me any reasons why online or by mail. They are a crooked company and need to be called out for their flippant behavior towards customers with legitimate claims of fraud. I have an excellent credit history with no missed or late payments my entire life. These fraudulent Affirm accounts are 2 months past due now as I will NEVER pay for someone hacking and scamming me like that. If I have to file a police report with my local police department meant to get my money back then so be it. Please help me with this mess. Looking at XXXX online this has happened to numerous people with Affirm telling them there was nothing they could do about it which is obviously XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX  A Zelle Transfer was submitted for the amount of {$400.00} to an account that was no longer in use for the recipient and Zelle was unable to reverse the transaction due to the fact that the account was not closed. The money was not accessible to the recipient after gaining access to the account as the balance did not reflect the transaction.
Product: Credit reporting or other personal consumer reports

All of my personal information has been exposed on the database, causing me to have inaccurate charges on my credit report
Product: Debt collection

XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.
Product: Checking or savings account

On Saturday XX/XX/2020 I downloaded the citi bank app and I noticed my account was blocked. I immediately called citi bank customer service to figure out why my account was blocked. I spoke with XXXX and a customer service representative by the name of XXXX. I also spoke with a supervisor of XXXX. The supervisor stated there was nothing that he could to unblock my card/release my funds. I then went to the ATM to withdraw my funds and the atm stated " card has been blocked '' I then called and spoke to a representative by the name of XXXX who denied me the opportunity to to speak with a supervisor. XXXX stated that new card was being sent out to me and disconnected the call without a response from me or a ending greeting.I never requested for a new card to be sent out to me nor did I gave permission for my card to be blocked or my funds to be held.on the night of XXXX Saturday XXXX 2020 I spoke with a representative by the name of XXXX who informed me that a new card would be sent to me on XX/XX/2020 which I didn't not request.XXXX  transfer me to the fruad department due to him being unable to find notes on why my card was blocked and why a new card was being sent out to me.the fruad department reviewed along with XXXX stated that ( High risk activity ) the representative for customer service nor the fruad department could tell me why my account was blocked.XXXX  stated that my account has been permantley blocked.
Product: Credit reporting or other personal consumer reports

I disputed a wrong full report with TransUnion and based on their investigation they said it was reported accurately. which is completely false and unacceptable. 

I do not agree with transunions investigation as i clearly see there was no facts or proof gathered to claim it. I will provide you the proof i have it on my end supporting my claim that this needs to be removed effective immediately. I have also notified about transunions negligence in gathering facts to report information accurately. This copy is also being sent to State Attorney 's office as well. 

The account payment was made at the branch location the acting manager acknowledged the clerical mistake as you can see in the attached transcript of the voicemail she left. The acting manager admitted that they made a clerical error expected me to come back again on the same day while i was working losing my pay from my job for things they messed up. 

Secondly, she had me fill out a dispute letter at the location to speed up the dispute process. This false investigation result is directly affecting my family and children 's wellbeing as this will affect our mortgage refinancing rates and increase in bills to pay while the economy is in shambles. Secondly, I am attaching the receipts from the bank when the payment was made.
Product: Checking or savings account

My account number with Chase Bank was XXXX. 

On XX/XX/2022 I deposited a bonus check from my employer in the amount of {$25000.00}. Check number XXXX. The check cleared my employers account the following day. 

Several days later, Chase Bank said they needed to speak with my employer to verify that they had written me the bonus check. I gave them the phone number ( XXXX ) XXXX of XXXX XXXX XXXX XXXX. The bank employee entered the phone number into his computer and said he couldn't use that number to verify the check because it was not a " landline '' phone number. I explained that that was the ONLY phone number used by the company. 

XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, Florida XXXX. It is about 40 stories and the ENTIRE building does not use " landline '' phone numbers. The ENTIRE building is set up with VoIP as are most modern office buildings. 

I called Chase Bank several more times to explain this situation to them. All fell on deaf ears. They could care less. The bottom line was, if I could not provide them with a landline telephone number to call and speak with my boss then they were keeping my {$25000.00} and not releasing it to me. 

I explained all of this to my boss. He called Chase Bank and was told the same thing and that he could have his bank place a stop payment on the check to get his money bank. He called his bank where the check was drawn on and they told him that they could NOT place a stop payment on the check because it had already CLEARED their bank. 

I called Chase Bank again explaining all that to them. They told me my account was being closed and that the only way I could get my balance in the account was to provide a landline phone number which does not exist.
Product: Debt collection

I discovered several accounts on my credit report that I did not open. Please take immediate action to block and delete these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

capital one has made a blanket decision to block ALL cryptocurrency related transactions, claiming volatility and fraud. i have confirmed that i am making the purchase and still they refuse. i pay my bill on time every single month. this is an obvious attempt to prevent the cryptocurrency from taking part of their profits and therefore illegal. when did preventing free market and competition become acceptable in this country? might as well move to a corrupt country like XXXX. class action lawsuit is inevitable.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charged off in income and according to the FCRA income can not be reported on a credit report. I received a 1099-C for the following charged off account listed below. After checking my most recent my most current report the updated information stated that this account was still being reported. This account can not be reported as a charge off on my credit report. 

XXXX XXXX XXXX XXXX XXXX I've include proof of 1099-C on Tax transcript.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX unauthorized fraudulent accounts where opened XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ unauthorized inquired include 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 Fraudulent address linked to fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

There is a derogatory account on my credit file. It is definitely not mine. I have no knowledge how it got in to my credit report. I submitted a dispute with the credit bureaus and the collection agency specified that someone made a few payments on the account and then stopped. For sure those payments were not made by me. I even asked them to show me proof of the payments made but they told me that they do not have any record of the payments made on the account. I contacted the original creditor to inquire about the account and they in turn told me that they do not have any information on the said account.
Product: Credit card

XX/XX/year>, XXXX sent copy of license for the past 4 years, submitted FTC XXXX Didn't receive a response or a explanation. Never gave permission or consent to open the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2018 I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate Director, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Description : Description : Description : XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX : Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXXXXXX XXXX attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX XXXX XXXXXXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
Product: Checking or savings account

Since XX/XX/year> Citigroup, Citicards and Citibank had continually blocked and blacklisted me from getting any type of products with them. They have denied me to be a co-signer on credit cards, dont allow Citibank clients to transfer XXXX or money to me in any shape or form. Never approved any credit card application without providing further information even after having a XXXX credit score. Closed all accounts I used to have with them and only kept my mortgage loans with them.
Product: Debt collection

I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXX XXXX XXXX XXXXXXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
Product: Credit reporting or other personal consumer reports

This is the multiple time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX ; Chapter XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Vehicle loan or lease

I was financed through XXXX XXXX for a XXXX  XXXX XXXX. I had an accident, and the car was totaled. The company that initially did the appraisal to determine what the GAP insurance would have covered was not the company listed in my buyers ' contract. 

{$5700.00} has been reported on my credit report. First, the XXXX  XXXX XXXX was not worth the amount that has been reported based on XXXX 's XXXX XXXX value. We had discussed settling the account at {$2500.00}. 

Under The Truth in Lending Act, it requires lenders to disclose information about all charges and fees associated with a loan. How does a settlement discussion of {$2500.00} goes to {$5700.00} for a car whose value is not even worth {$5000.00}. This is what companies such a Credit Acceptance has done targeting certain ethnic demographic 's reporting negative information to Credit Bureaus and including extra hidden fees that is not in the contract or in agreement with the value of the automobile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX Mobility -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. 

I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have recognized fraudulent accounts as well as inaccurate information that have been used with out my knowledge
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$15000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$520.00} XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$560.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$770.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries 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  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Old debt reported by Equifax recently is older than 7 years and should be removed. Debt is XXXX in the amount of {$180.00}.