23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to refinance my property through XXXX. While trying to refinance XXXX advised me that Ditech Financial LLC has a Lein against my property for a second mortgage that was paid in full on XX/XX/XXXX. I have attempted to get this resolved with Ditech since XX/XX/XXXX. I have made calls to Ditech, sent E-mails and letters to their company with documents proving that I have paid this second mortgage in full. Now I have lost {$1100.00} because of Ditech holding an Illegal Lein against my property. Ditech 's so called Customer service has not contacted me in any way to get this resolved. My next action will be to retain a Lawyer an file a Lawsuit against Ditech Financial LLC. Because Ditech is Illegally holding a Lein against my property, I can not Sell, Refinance or get a second mortgage on my property. Ditech owes me {$1100.00} so far in damages. Do not repeat do not get a mortgage through Ditech!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I tried opening an account with chase and they said it wasn't possible due to closing of a previous account but i never had an account with them prior
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed Experian, XXXX and XXXX consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXXXXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to XXXX, Equifax, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give XXXX  written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved immediately.
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX on : XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app block ink due to inaccurate customer service unfair practices which violate the consumer financial protection act CLPA specifies, cash out, fail to take timely and effort measure to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected for the more their dispute resolution process was unfair and deceptive and they did not comply with error resolution requirements out of the electric federal transaction act EFTA in regulation E these actions have caused significant inconvenience if financial loss and I see appropriation redressing for the violation
Product: Debt collection

This is a copy of the voice transcript of a message from Trans world Systems. They think I have a debt. 
" company (? ). This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX-either (? ) at XXXX. Again that 's XXXX had either (? ) at XXXX. Thank you. Trans world systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ''
Product: Credit card

I purchased two XXXX XXXX XXXX which were redeemed by a party other than myself. I filed a police report and requested reimbursement and filed a charge back with my credit company at the advice of both my bank and XXXX. My bank closed the dispute as XXXX believes they were not responsible, and I was recharged in the amount of XXXX dollars on XX/XX/year>. I have contacted the XXXX Police department and opened a case with them, and I have now also contacted the XXXX State Attorney General 's office for assistance and am awaiting a reply. I am frustrated, as I contacted Capital One on the morning of XX/XX/year>, and they told me they would reopen the dispute, but I was instead recharged the amount I was scammed.
Product: Debt collection

I received a statement from old apartment center XXXX for due of XXXX $ upon contesting XXXX $ of the charges were dropped & I made a reminder of the payment for XXXX . IQ SENT the reminder as a due to my credit report and upon disputing and raising it on my CFPB it was pulled off. Now in retaliation they sent a new letter for XXXX $ ( ref number XXXX ) without any supporting documentation from original creditor showing what the charges are for. Since IQ has all my information they are going the route of intimidation by sending debt collection notices for a debt not owed. 

IQ never sent me the receipt for the XXXX $ I made even after repeated attempts asking for the receipt and I never got a XXXX dollar statement from IQ for the reference letter XXXX. They are causing me extreme stress with these false debt collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I had previously disputed XXXX as a fraudulent account and it was deleted months ago. Today I get an update that my credit score plunged 82 points and this XXXX student loan account appeared again on my report. I am suspecting you are not in compliance with federal law to prevent re-appearance of previuolsy disputed information. 
I have been trying to contact Equifax by phone and can not access my report online. I already disputed that information on the CFPB portal and it was deleted and it was placed back on this month. 

The account name is XXXX, please remove this account or I will seek legal remedies under the law.
Product: Credit reporting or other personal consumer reports

Transunion purposely hides users credit score in attempts to force users to pay for credit score.
Product: Money transfers

On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..
Product: Mortgage

XX/XX/XXXX purchased a home with ruoff mortgage threw XXXX XXXX XXXX of XXXX XXXX indiana XXXX as in doing so was not explained about taking over a indebtness of XXXX and later told bye XXXX XXXX title company in XXXX XXXX indiana XXXX that ipurchased the house for XXXX and my loan was for XXXX so my question is where the rest of the cash and then also never got a updated property survay as stated in the loan XXXX dollers a day that not placed in my hand still hasent bee and company XXXX XXXX XXXX of XXXX  XXXX indiana stated that i need to get the land resurveyed since it hasent been since XXXX and they didnt know who and what land has been purchased. Also my concerns is ease ments of the property that have been covered but not listed as utlity having encumbrance to exsisting alley that is covered and much more then freedom mortgage purchased my loan from ruoff right away and there so much wrong with it and has taken toll on my life time and job and family and more looking for the most help i can get and for all the struggle emotionally and more for all this has created.
Product: Credit reporting or other personal consumer reports

Ive noticed some incorrect details on my credit report under the guidelines of 15 USC 16c-2. These inaccuracies are affecting my credit rating, and I did not authorize the hard inquiries listed.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''
Product: Credit card

The credit card company in question ran my credit without my permission at a random time, then canceled my card even though I had good standing credit with them,. I was not late, delinquent or otherwise. My payments were current. I have never been so insuleted and appalled in my entire life! They did not have permission to run my credit and I did not ask for my account to be closed! Now my credit score has been altered due to an account being closed!
Product: Credit card

Request for Investigation, Legal Action, and Punitive Damages Against Capital One and XXXX Dear CFPB and FTC, I am submitting this formal complaint regarding Capital One and XXXX, concerning inaccurate and damaging information reported on my credit report and unresolved disputes. The details of the account in question are as follows : Account Information Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$150.00} ( as of XX/XX/XXXX ) Credit Limit : {$600.00} Payment History Issue : 30 days past due as of XX/XX/XXXX Key Issues Inaccurate Reporting by XXXX : XXXX has failed to provide accurate information regarding this account, including inconsistent updates to my payment history and balance information. This has significantly impacted my credit score and financial standing.

Harassment and Unfair Practices by Capital One : Capital One has continued to report this account inaccurately, causing undue stress and negatively affecting my ability to secure credit. 
Failure to Resolve Disputes : Despite multiple attempts to resolve this issue directly, neither Capital One nor XXXX has provided adequate assistance or a satisfactory resolution. 
Requested Actions Investigation : Conduct a thorough investigation into the practices of Capital One and XXXX to ensure compliance with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Resolution : Correct any inaccuracies in the reporting of this account and update my credit file to reflect a positive and accurate status.

Cease-and-Desist Order : Issue a formal cease-and-desist order to prevent further reporting inaccuracies and unfair practices. 
Punitive Damages : Impose punitive damages against Capital One and XXXX for negligence and the emotional distress caused by their actions. 
Legal Assistance : Assist me in pursuing legal action, if necessary, to secure compensation for the financial and emotional harm resulting from these practices. 
Supporting Evidence I have attached relevant documentation, including a summary of the payment history, balance updates, and correspondence with both Capital One and XXXX. 

I request your immediate attention to this matter and a prompt resolution to uphold my consumer rights. I am prepared to cooperate fully with any investigation and legal proceedings deemed necessary. 

Thank you for your assistance. I look forward to your response.