23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

A loan was created on XX/XX/XXXX with Regional Acceptance Corporation in the amount of {$33000.00} for a XXXX XXXX XXXX. In the last 5 years since that loan was created, my outstanding balance on the loan is now currently at {$30000.00}. According to these figures from the date of XX/XX/XXXX to XX/XX/XXXX only {$3000.00} out of the nearly {$28000.00} I have paid over the course of over 5 years has been applied to the balance of the loan. 

There is NO WAY under any simple interest contract that the above math makes any sense or is legal by any stretch of the imagination. 
This is something that a predatory lender would do considering they were well aware that I had just come right out of bankruptcy in XXXX of XXXX. The picture of how only {$3000.00} has been applied to my original balance of {$33000.00} over the 5-plus year time frame is either a MAJOR discrepancy, Severe incompetence by the lender, or just purely a predatory lender taking advantage of people like me. 

I have contacted the company regarding this matter on several occasions only to be rebuffed by its agents and managers. 
Attached here is the sales contract, payment history, and current payment stub showing the current balance at {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED A ACCOUNT THAT I WAS UNAWARE OF I DISPUTED IT WITH THEM I WAS A PART OF XXXX XXXX XXXX I HAVE PROOF OF THAT IN MY IDENTITY WAS MIS USED I JUST WANTED THE ACCOUNT REMOVED SO I CAN MOVE FOWARD BUT IF I HAVE TO TAKE LEGAL ACTION I WILL THE AMOUNT WAS {$1800.00} THE DATE OPENED WAS XX/XX/2022 15 usc 1692 G B. THIS ACCOUNT IS NOT MINE CAN YOU PLEASE REMOVE THIS HARMFUL INFORMATION IF YOU CAN NOT VALIDATE DEBT. ( XXXX XXXX ) ( FDCPA ) ANY REPORTING OF THIS DEBT TO THE CREDIT BUREAUS PRIOR TO ALLOWING ME TO VALIDATE IT MAY BA A VIOLATION OF FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX   XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX 
XXXX Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a monthly charge of {$16.00} on my XXXX  XXXX XXXX credit card statement for Experidan Credit Report dating back to XXXX of 2019. I do not know what this charge is for and assume it is some time of credit monitoring service. I do not want credit monitoring and NEVER signed up for any such service. I ran a credit report around XXXX and think Experian might have unilaterally added this service. 

I called the Experian toll free number on my credit card statement and the automated system had no record of my having any type of account with them. I tried many different options to speak with a live person but their phone system is a total joke -- it was impossible for me to figure out how to speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  AND XXXX  XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.
Product: Mortgage

My loan has been on Autopay since I first purchased this investment property. We did do a forbearance during COVID. After taking it off of forbearance ( I received threatening calls about taking it off and they pretty much made me do it. However I was financially able to come off of forbearance ). After coming off of forbearance I received a call again from this company saying that I owe them all the money from when I was in forbearance. So this issue was somehow resolved by putting It back on Forbearance then removing it off of forbearance and putting it on the back end of the loan. We went back to Auto Draft as usual. The XXXX payment was taken. ( I was not aware that they never took another payment since XXXX. All my payments for everything including my other two mortgages are on Autopay ). I received a letter in the mail today saying my payment hasn't been made since XXXX and I owe all these fees. My bank account is always with money. I own rental properties. I don't know why they didn't take their money. I was on the phone with a supervisor and the call was somehow disconnected. They never called back. I called back again and now Im still on the phone waiting. Someone just picked up. I have been on the phone a total of 1 and a half plus hours. I am now being told that they will take the payment but will not give me anything in writing stating that this was an internal issue. I have a refinance coming up and the lady just told me this is on my credit report and has been for over a month. She said she will ask for the late payment to be removed and the late fees to be escalated but she dont know what will happen. I just paid my regular payment and I do not trust this predatory company after all I have been through with them during COVID there is no telling how many other people they have done this to to try and get extra money.I want the late payments removed and I want those fees waived this is not my fault and I have gotten my attorneys to look into this with the intention of filing litigation.
Product: Checking or savings account

I am unsure why this company is saying I had already opened up an account. I am a victim of identity theft. I would like to open an account with this company. I never had an account with them.
Product: Debt collection

Radius global solutions LLC will not delet a medical collection from my credit report and it has been paid in full on XX/XX/2022. I have had other medical collections deleted from my credit report once paid in full because it was a medical collection. The collection shouldn't have even been reported as XXXX XXXX didn't even run my insurance which would have covered the services. I paid the collection regardless so it would be removed from my credit report. I spoke with XXXX on XX/XX/2022 from Radius Global solutions and because of their company policy he didn't even want to discuss the credit reporting policy of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number XXXX. Have 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 an account on my credit file without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I approved XXXX mortgage lenders do pull my credit for a loan. Within XXXX hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.
Product: Debt or credit management

on XXXX/XXXX/2024 i did a settlement of pay to delete of {$160.00}
Product: Debt collection

XXXX XXXX alleges that I signed up for classes with their institution. This could not be further from the truth. I have never been to their website until recently, when Ability Recovery Services , LLC stated that I owed XXXX XXXX an alleged debt of {$1600.00}. I disputed this fraudulent debt with XXXX XXXX and Ability Recovery Services, only to be provided with documents purporting that I signed up. However, I filed all the required and necessary affidavit and reports to show that this is and was a fraudulent account. 

Nevertheless, XXXX XXXX is still, by and through ability, attempting to collect on this fraudulent debt. Moreover, they are using a company that is not registered in the State of Michigan as required. Ability Recovery Services , LLC ( a Pennsylvania LLC ), doing business in Michigan, is attempting to collect on an alleged debt, which I have clearly stated is a fraudulent debt. Ability, through the XXXX  in PA, sent me multiple documents from XXXX XXXX to validate the debt, but, as I stated, it is not my debt and I have filled out all the required paperwork, affidavits and reports. They are also reporting the fraudulent debt to my credit reports, which has caused my score to drop. They have multiple addresses listed, which I have attempted to send certified mail to their address with the PA Secretary of State, but they have been returned. Ability lists three physical addresses. 

XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Ability Recovery Services , LLC is not registered with the State of Michigan to conduct business here. I am not saying that they need to be a licensed collection agency, but they do need to be registered with the state in order to transact business here, and they have not. Their website clearly states that they collect in all 50 states, and further claim that they are bonded and insured nationwide. They have never filed for an Application for Certificate of Authority to Transact Business in Michigan, they have no Registered Agent in Michigan, and yet they continue to flaunt the laws of this state and the State of Pennsylvania. 

Their illegal business practices need to be investigated at once, so more Michiganders are not put in the situation of dealing with such an unscrupulous company, who willingly, willfully and knowingly violates numerous Federal and State Statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/10 a check from my husbands account to mine was placed on hold with the reason being they had received notice of a stop payment on the check. After numerous phone calls and days, they were able to confirm it was a mistake on their end and credited the account and apologized. 

On XXXX, the exact same things occurred again. I have reached out to them and have been told there is no time frame for a case manager to address this repeat problem because they are backlogged. 

We have confirmed with my husbands bank that the check was paid and funds were collected. 

Wells Fargo has been completely unwilling to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called Equifax because I could not log into my online account and I just signed up on XX/XX/XXXX. Initially I spoke to a male customer service agent and after a few minutes I requested a supervisor because he suggested that the issue was my browser but I explained that it was the same browser that I used to sign up and had used successfully several times after signing up. My call was transferred to XXXX, Employee ID # XXXX, and he suggested that I clear my cookies or use a different browser than XXXX because Equifax didnt recommend it. He said that he could tell me how if I used one of the browsers that they recommended. He went on to tell me that Equifax suggested that I use any of the following browsers such as XXXX or XXXX and I laughed because I told him that XXXX is XXXX and then he said that he wasnt sure if he could tell me how to clear my cookies after all and that I should contact XXXX directly and once again I laughed. He then said tried to suggest that it was my computer that was the issue and that was why I could not log into Equifax. I asked him if they would cancel my account and issue a full refund and he said that they would not give me a refund but that they would be happy to cancel my account. Once again I laughed and asked him if he was crazy or thought that I was just going to allow them to keep my money. I asked him to transfer me to the next level of management and he said that he was the highest person in management. At that point I explained to him that I planned to file a complaint with the CFPB, XXXX  and the FTC and he simply said ok. He then said please hold for a two question survey and the call concluded.
Product: Checking or savings account

XXXX withdrew {$200.00} from my savings account on XXXX XXXX. On XX/XX/XXXX they took out {$200.00} from a newly opened savings account. On XX/XX/XXXX they took {$200.00} from my checking account.I have to change my password daily.because they get in my account. I had all my devices cleaned for Spyware and it is still happening.I call my Citizens bank daily. Citizens is refunding my mo ey.But it is not stopping the fraudster.
Product: Checking or savings account

On XX/XX/2020 I went to Bank of America located at XXXX XXXX XXXX XXXX XXXX nj, I went to the atm to make a deposit of {$4500.00} I put all the money in the atm, atm gave me a error and gives me back only {$800.00} which I go ahead again and try to deposit. I look at my account before leaving the bank and see I was only credit the {$800.00}. I call the bank customer services and file a dispute to get my money and get this issue correct. They gave me a temporary credit of {$3700.00} which was the missing amount of cash onto they investigated. On XX/XX/2020 they went to my account and remove {$3400.00} and stated they only found {$210.00} of the {$3700.00} that was missing and since then I been calling them trying to resolve this issue and find my money and nothing has been done. They stated that on the camera they really cant see the dominacin so basically I have to lose my {$3700.00} because a atm machine error. I also send proof of where my {$4500.00} was coming from and also submitted a letter explaining in detail what happen and nothing was done.
Product: Debt collection

This complaint is against CCB / WYNDHAM ( CCB - Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Product: Credit card

On XX/XX/XXXX, I received an email from XXXX Bank showing that I owed {$42.00}. I called and found out that it was from a shoppers club. I explained that I did not make this charge. After several phone calls transferring me to supervisors, the calls continued to drop. Finally on XX/XX/XXXX, we got XXXX who transferred me to XXXX. Eventually on XX/XX/XXXX, I did speak to XXXX. She told me that she understood. She said the charge and the late fee would be refunded and that we have {$0.00} balance. 
XXXX XXXX, another {$18.00} charge for, no one knows. Spoke to XXXX and she stated that she would investigate. It would take up to XXXX days. However, I would still be charged for the late fees! 
We continued to receive letters that they were researching. On XX/XX/XXXX, we received a letter notification that the XXXX XXXX fee was valid. We continued to call. You will see that XX/XX/XXXX, that they are still trying to resolve the issue which will be resolved in XXXX days. We received letters showing different amounts owed. Then we received nothing more. Until XX/XX/XXXX with another different amount. Spoke to several more representatives who transferred and transferred and transferred with nothing being accomplished. We talked to dispute centers & fraud center. All promising to take off the balance to then get a bill in the mail. The letters were please XXXX, we need to resolve this! Call and were told we sent no such letter! Continued to receive letters but by this time my anxiety and XXXX XXXX were too much to deal with it. I have XXXX. This XXXX causes severe XXXX XXXXs and pain. Especially, when Im stressed. In XXXX, I was in the XXXX  in severe pain from these phone calls. I just could not handle it anymore. 
This has severely affected my credit report! We spoke to a lawyer and he advised us that this should be our XXXX step. 
As you can see from the uploads, we continue to get bills. We have received no letters from the investigation. Please help us!