23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unauthorized charges made not by me. 

My bank decline the claim They say because I turned in items that were me, there were over XXXX or more that was not me at all. Those are the ones I want payed for, the others were mistakes because the day I started the claim I was uncertain on what was me, and not me because of how everything reads on the online platform it does not say names it says, addresses, and abbreviated words. It was very hard to decipher, I spoke to over XXXX to XXXX agents to were nice and kind and were trying to help the other XXXX were very condescending and asking XXXX questions. If you dont pass the question test and answer XXXX of them wrong they denied the claim, the amount is {$4600.00} not counting insufficient funds in late fee charges
Product: Mortgage

Received mortgage assistance offer dated XX/XX/2020 from PHH Mortgage for 3 trial payments.Received property foreclosure sale letter from XXXX XXXX XXXX for the sale of my house XX/XX/2020. I don't understand why I received foreclosure notice if I'm approved for mortgage modification. I don't want to lose my house to foreclosure. 
The Insurance company for my home has sent me a estimate to replace the roof. 
PHH Mortgage sent me a letter saying they would only send a check for 25 % of funds to repair my roof and I had to use a certain contractor. I have a contactor I want to use and water is pouring in my home when it rains. Please Help
Product: Credit card or prepaid card

I closed my Kohl 's account on XX/XX/2019. After closing my account they have added comments to my credit reports that are unexplained. XXXX  has " Comment : Closed - Dispute resolved ; consumer disagrees/account closed by consumer ] '' XXXX has " [ Comment : Closed - Account closed at consumer 's request, Account closed at consumer 's request and dispute investigation completed - consumer disagrees ]. '' XXXX  has something similar but Kohls has now disappeared from that credit report as a closed report. I have contacted Kohl 's multiple times, however, they are not able to tell me what or when a dispute had occurred. I have never disagreed with anything that has occurred between Kohl 's and myself. I did a Dispute in the past few weeks, but after the investigation the credit bureaus stated that Kohl 's continues to say that the comment is correct. I am not sure what to do next to get these comments removed from my reports.
Product: Debt collection

I send in a debt validation letter & company was not able to provide me with a signed contract validating that the debt was mine. I do not owe any third party company any debt may have been sold to. I was sent copies of old bills not a signed contract that I agreed to.
Product: Debt collection

XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear UNITED AUTO CREDIT CORPORATION, I am writing to inform you that the recent repossession of my automobile on XX/XX/2023 was conducted in violation of federal law. I am demanding that the automobile be immediately returned to me, and that any damages resulting from the repossession be compensated for. 

As you are aware, the federal government has established specific guidelines and regulations for repossessions in order to protect consumers from unlawful and unfair practices. In this case, I believe that the repossession of my Automobile violated several of these regulations, including : 1. Failure to provide proper notice : According to the Truth in Lending Act ( TILA ) and the Consumer Leasing Act ( CLA ), a creditor must provide written notice to the borrower before repossession can occur. This notice must state the specific terms of the default and provide the borrower with a specific amount of time to cure the default. In this case, I did not receive any notice from your company prior to the repossession. 
2. Breach of peace : The Uniform Commercial Code ( UCC ) prohibits creditors from using physical force or threats of violence to repossess property. It is fact that the repossession of my automobile was conducted in a manner that breached the peace and caused a significant amount of emotional distress. I Was assaulted physically and verbally by excessive force and intimidation tactics such as, threatening violence, excessive taunting & verbal harassment. Tow use physical intimidation & also use physical restraint by not letting me pass, not letting me remove my hand from the door handle. When the employee rushed me and assaulted me, I was in fear of my safety! The Tow employee was way over 200lbs. I'm just 115lbs. He was big and red with anger! 
3. Unauthorized entry : The UCC also prohibits creditors from entering private property without the owner 's consent in order to repossess property. In this case, I did not provide consent for your company to enter my property and repossess my automobile. The landlord as well never provided consent for the company to come to a private property. Theres PRIVATE PROPERTY NO SOLICITING NO LITTERING NO TREPPASING signs on the property. 
Based on these violations, I am demanding that the automobile be returned to me immediately. I am also requesting that any fees or charges associated with the repossession be waived, and that I be compensated for any damages that occurred during the repossession. Specifically, I am requesting reimbursement for the cost of repairs to any property that was damaged during the repossession, as well as compensation for any emotional distress that I experienced as a result of the unlawful repossession. 
Police report was also made for the breach of peace & assault I expect a response from your company within 5 days of receipt of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to protect my rights under federal law. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year> I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account open in my name for XXXX dollars
Product: Credit reporting or other personal consumer reports

EQUIFAX : XXXX XXXX Open balance : {$120.00} Opened:XXXX Section XXXX - Prohibited acts ( a ) In general It shall be unlawful for- ( 1 ) any covered person or service provider- ( A ) to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or ( B ) to engage in any unfair, deceptive, or abusive act or practice ; ( 2 ) any covered person or service provider to fail or refuse, as required by Federal consumer financial law, or any rule or order issued by the Bureau thereunder- ( A ) to permit access to or copying of records ; ( B ) to establish or maintain records ; or ( C ) to make reports or provide information to the Bureau ; or ( 3 ) any person to knowingly or recklessly provide substantial assistance to a covered person or service provider in violation of the provisions of section 5531 of this title, or any rule or order issued thereunder, and notwithstanding any provision of this title,1 the provider of such substantial assistance shall be deemed to be in violation of that section to the same extent as the person to whom such assistance is provided. 
( b ) Exception No person shall be held to have violated subsection ( a ) ( 1 ) solely by virtue of providing or selling time or space to a covered person or service provider placing an advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to the XXXX major credit bureaus and its been longer than XXXX days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraud alert on my Trans Union, XXXX and XXXX credit report. Banks, credit unions, financial institutions and companies can not verify my identity through Trans Union, XXXX or XXXX because of the fraud alert on my Trans Union, XXXX and XXXX credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.
Product: Vehicle loan or lease

I've been avidly paying {$420.00} for a car since XX/XX/2015, I believe to have already paid it off but somehow it says the car is still worth almost over XXXX. No one will trade my car in because I owe to much and it's not worth even XXXX anymore. I went to another auto dealer to see if I could get some help refinancing, and they advised I was paying 21 % in the beginning which is what i was not signed up for. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report
Product: Checking or savings account

M & T Bank- they have caused my funds to be low. If there are no funds in the account dont ok payment I have tried to talk with them and nothing, during this time of covid still going on, and work being low. they are placing me in a financial bind
Product: Money transfer, virtual currency, or money service

My boyfriend and giving me the Check that was given to him by XXXX  XXXX XXXX after the account was closed. The check was written in his name I however had permission to deposit it into my account. I did so with Square Cash as he endorse the check however they took three days to deny the check and werent helpful and me understanding why. They denied it on a Friday and I snapshot of the picture again and I had reached out and after a difficult time contacting the company because they dont have a phone number released to the public. It was explained to me that the name is on the check did not match with the name of the account holder however in the terms and conditions it says nothing about Endorsing checks to third parties or anything like that I offered full cooperation and providing any document or whatever would be needed necessary to prove that this was indeed a valid check endorsement. I got nothing and its been an inconvenience and they have not been helpful whatsoever and to add insult to injury they require that I write for cash app deposit only now it is proving to be in a big inconvenience now that they Have denied the check and hi cant go anywhere else with it because it says for cash out deposit only now thats an inconvenience to me and its been a week and I have been unable to pay my bills and this isnt fair to me.
Product: Credit reporting or other personal consumer reports

i dont know why its so hard for the bureaus to understand that this account was opened without my knowledege. My ex wife opened this account without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

My account from XXXX XXXX, account # XXXX, shows a 30day late payment in XX/XX/2018.The information is incorrect.I was never late.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1600.00} U S DEPT OF ED/XXXXXXXX XXXX XXXX XXXX XXXX {$3400.00} U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX  XXXX {$4100.00} U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX {$5300.00} U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit card

I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. 

I learned this is called skip tracing and is illegal. Please help.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit card

I sent a Promissory Note to The Bank of New York Mellon ( XXXX XXXX Trustee ), Attn : XXXX XXXX, to discharge a debt with XXXX XXXX XXXX XXXX ( Account ending in XXXX ) in the amount of {$13000.00} on XX/XX/year>. The Bank of New York Mellon has failed to respond to my notice.
Product: Credit reporting or other personal consumer reports

I've recently obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. 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. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is with Experian credit, I notice two inquiries on my report with them in which I contact the fraud ( date XX/XX/2022 ) department in which I was advised by an advisor by the name XXXX that I legally do not have the legal right to dispute two specific inquiries that I did not authorize when obtaining a recent auto loan. I conspicuously advised that those inquiries were not recognized, even advised the agent with Experian to his due diligence in investigating my specific consent given to the dealership to shop my personal SSN, yet again advised that he could not do so. Inquires are XXXX XXXX and XXXX. This is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Debt collection

Someone opened up an account in my name on XX/XX/2023 for XXXX and charged up to {$840.00} and let it go to collections. The address associated was XXXX XXXX XXXX XXXX, TX XXXX I never lived here. I have lived at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX for over 12 years and XXXX, TX prior to that. The number and address associated with the company is ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The collections company is CREDENCE RESOURCE MANAGE Account number XXXX This needs to be addressed please.
Product: Checking or savings account

I am trying to lookup a transaction or transactions that happened on XX/XX/2012 which was a debit for {$870.00} in my checking account ending in XXXX. However, the bank doesn't show any records beyond 7 years. I spoke to a customer service representative and her supervisor and both claimed that the bank doesn't keep records beyond 7 years which is hard to believe. 

I need that information since I need to claim deposit for my apartment that I was renting and the bank is providing me no way to get this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off on XX/XX/2022 to Ally Financial. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Product: Student loan

Nelnet has called and emailed me several times regarding my student loans. They are in deferment due to the On-Ramp transition period from the Departent of Education . The On-Ramp period states that throught XX/XX/2024 it will automatically put all Public Student Loan debt in forebearence for any missed payment. Nelnet has even reported to the credit bureas that it is in forebearnce, but yet they call me and send me weekly emails stating I am " behind on payments. '' They are harrasing me Monthly for " missed payments '' when they themselves have reported me as being in deferment. In Several emails they state they put me in Deferment but in the following paragraph state I have to make a payment and also that they " can't control the credit bureaus ''. This is clearly a scare tactic and they need to be help accountable.
Product: Credit reporting or other personal consumer reports

Equifax has/is continuously furnishing information knowing it is inaccurate and false and misleading which has lead to number denials i have attached pdf files of the documents and disputes I sent Equifax and furnisher but no one has properly resolved this matter, I will be seeking legal remedies for damages and all actual damages caused by company impeding upon my consumer report and affecting my general mode of living.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Product: Checking or savings account

On XX/XX/XXXX my card was used in a totally different state and city than where I reside. They charged {$820.00} to my account for a XXXX XXXX XXXX. I contacted the hotel and confirmed the reservation was not in my name. Also, I submitted documents to Chime Bank to show my whereabouts at the time of the fraud. They still denied my claim.