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

I was scammed out of {$1500.00} from a impersonator stating they were Chief of police and I had a outstanding warrant for my arrest. I sent this through Chime and i have reported this through the federal trade commission. My Report number : XXXX. Chime bank stated they can not help. This was all the money I had and I need assistance please
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : XXXX XXXX XXXX XXXX reference number XXXX, and TOYOTA MOTOR CREDIT reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by TOYOTA MOTOR CREDIT, repossessed in the state of ARIZONA in XXXX, and sold by TOYOTA MOTOR CREDIT on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the leg
al notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.
Product: Consumer Loan

-Note : Original creditor was XXXX. 
Account owner is LVNV funding. 
Account servicer is Resurgent. 

-There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " unsecured loan ''. My credit report says " unsecured loan '' which was " renewed or refinanced '' See my credit report on attachment # XXXX -I have contacted Resurgent Capital Services ( the servicer ) and I asked for a copy of the loan agreement showing I applied for a " title '' loan, but they can not provide one to me. See their loan statement, page # XXXX. 

- After numerous letters to XXXX and Resurgent, asking for a copy the loan agreement or asking them to release title, my registration still shows XXXX as lienholder. See page # XXXX. 

-The car is now non-operational and needs to be donated or scrapped. See CA DMV XXXX filing on page # XXXX. 

-I can not donate or scrap the car because it has their lien on it. 
-I have no place to store the car. 
-I am paying for car insurance.
Product: Credit card

Citibank refuses to provide a new credit card to replace my expiring credit card, on an open account. My payments are current but Citibank decreased my credit limit in XXXX and will not send a new card for my current card that expires XXXX. The customer service is horrible.
Product: Credit card or prepaid card

I have a relative who is an XXXX at the XXXX XXXX XXXX in XXXX XXXX PA and I have been making periodic deposits into an XXXX account system called Jail ATM. I make those payments on line using my Bank of America XXXX XXXX. On or about XX/XX/XXXX, I received my Bank of America statement. I made a total of four deposits to Jail ATM ranging from {$15.00} to {$25.00}. Added to each payment is a processing fee of {$3.00}. 
I have made similar payments in the past through a different system called XXXX XXXX with the same card and had no issues. However, the recent bill classified each deposit as a " Bank Cash Advance '' and charged a transaction fee of {$10.00} for each plus a minimum interest charge of  {$1.00}. In the end, my total fee for providing the inmate with a {$25.00} deposit was {$14.00}. This is outrageous and predatory. It preys on families who are more likely to be struggling financially, yet need to provide for their loved ones with a small amount of assistance so they can make phone calls, buy food or simply purchase paper and stamps to write home. It is unbelievable to me that this is allowed to happen. 
On XX/XX/XXXX, I called Bank of America and spoke with both a representative and a supervisor. I pointed out my past experience when this was not considered a cash advance and questioned how this was any different than the contribution I made for hurricane relief on the same credit card statement. The response seemed to be that they treat this the same as my withdrawal of cash using my credit card at an ATM. The supervisor said he could waive some of the fees but not all. On XX/XX/XXXX,  I called the XXXX XXXX XXXX to determine my options for depositing funds. They are limited to credit or debit cards or depositing cash directly into a kiosk at the prison - two counties and two mountain ranges away. On XX/XX/XXXX, I also called Jail ATM ( XXXX ) and they stated their terms and conditions do state that fees may be charged but those fees are completely separate from their {$3.00} processing fee. They responded that the difference from my past experience is that Jail ATM makes the money available to the inmate within 24 hours. They do not wait for it to clear which can take days.

Attached are two Bank of America statements - one with transaction fees and one without. Please excuse my scribbled notes on the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing this fraudulent account reporting on my credit file. Im requesting that this account be removed and blocked from my credit file, or the credit reporting agencies shall show just cause and physical documentation before reporting such .I 'm demanding that this account is removed.

1 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 to XX/XX/2020 I have been disputing an account I don't recognize with JPMCB for {$8700.00}. I have sent three requests XXXX, XXXX and XXXX requesting VALIDATION that the account belongs to me. I respectfully detailed in my communications that I am not refusing to pay nor requesting " verification '' or proof of my mailing address, but a request for validation. I requested that their office provide me with the competent evidence that I have any legal obligations to pay them. Eight months later they have not done so. They have only sent letters XXXX and XXXX to settle a amount {$870.00}. Then again XXXX and XXXX to settle {$2100.00} reducing the remaining balance to zero. I have sent multiple notices in pursuant of the Fair Debt Collection Practices Act,15 USC 1692g Sec.809 and it has been ignored.
Product: Credit card or prepaid card

So I have a credit card with XXXX XXXX XXXX XXXX my balance was {$1300.00} I called to say that this was going to be paid in full the middle of XX/XX/XXXX ( i called the begining of XX/XX/XXXX to let them know and they said that would be fine ) and they should have noted my account so I wouldn't get charged a late and have no more charges. I called today XX/XX/18 and they said they couldn't reverse the late fee of {$25.00}, really!!! They got the full amount of {$1300.00} paid in full and they cant reverse a one time late fee??? they are saying that because i had one reversed in XX/XX/XXXX they cant do another one but in this situation the card is paid off and I will be closing account and so they should be able to waive this fee!! Now this wasn't even my fault that it took longer than expected which I had mentioned to person when I called capitol one to get total balance amount.
Product: Debt collection

On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$8700.00} XXXX XXXX XXXX. {$2000.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX. {$0.00}
Product: Credit reporting or other personal consumer reports

My XXXX credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my HSBC account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my XXXX credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my HSBC credit card account information has been added- I call XXXX to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with XXXX support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted hsbc and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only XXXX can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I received and on my credit monitoring system, and noticed a plethora of negative inquiries accounts that I did not recognize and have not gave my consent towards. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

someone opened 2 credit cards in my name using my information i called the company am i called the credit bureau i also sent in the police report stating this was fraud i also target to close and remove this account and I asked XXXX XXXX to remove an close this account as they are not the account that i have applied for XXXX XXXX told me the will close an remove the account an Target told me the same thing XXXX XXXX an XXXX are still showing these accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX  XXXX COLLECTION XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My problem is with BBVA Compass. My XXXX mortgage is with XXXX and my XXXX is with BBVA Compass. I have struggled for years to keep my home after my divorce and received no financial help from my former husband. I have had to rent out the house to keep it afloat. I can no longer find tenants to pay the amount necessary and need to sell the house. It has been on the market for 2 years and we finally have a buyer. This will unfortunately have to be a short sale as our market has not come back to previous values. We repeatedly asked BBVA to let us know what would they take to satisfy their loan and they repeatedly said to " Bring them an offer and they wo n't stand in the way of the sale ''. This is on many of the taped recordings with myself and XXXX XXXX at BBVA. 
XXXX has accepted the terms but BBVA will not accept the terms. XXXX can only give BBVA {$12000.00} under the HAFA program. I have offered an additional {$8000.00} and the agent has offered an additional {$2000.00}. That is {$22000.00} to BBVA. Now BBVA is saying that they want {$50000.00}. They did not take TARP money so they do n't have to follow any government rules. This sale was supposed to close on XXXX XXXX, 2015 and all involved are waiting for BBVA to accept and XXXX is closing the file. The worse possible scenario is to lose this buyer and the house go into foreclosure. Please help!
Product: Credit reporting or other personal consumer reports

Their is a hard inquiry on my Equifax consumer report from XXXX XXXX that I did not authorize them to pull a copy of my consumer report. They have not provided me any documents showing I consented to such report
Product: Vehicle loan or lease

I got a loan thru this company. The first issue came when my bank account was hacked and I was able to reverse payment back to them but they were strong arming me into making a payment so I would have had to come up w the car payment three times in a week for them when it would just be three days for the reversal to post. They were on me every day about making my payment but did not inform me when they received the payment.. XX/XX/XXXX car payment is due XX/XX/XXXXXXXX XXXX XXXX XXXX  they repossess the car. Now I had been emailing and corrosponding with them and never once did they say the car was up for repossession in any email they told me I was driving the car too much and put too many miles on it they accused me of living someplace else because I have a sick dog so I spend a lot of time in a location they used all Of my gps info to make a case as to why they repoed my car they towed it over and hour away and told me they wouldnt work anything out with me and if I want the car I got ta pay the rest of the loan I cant get down there to clean out my car now that I have no transportation and wouldnt be able to pay the tow fee for an hour away now they will clean the car and resell it on a lot in mass and I unjustly lost a car I was paying on Im homeless and that was my dog and is shelter as well. The companys name is Auto Link XXXX XXXX XXXX wish I had an account number but I never even got that
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company as the credit bureaus were violating my FCRA rights, and I couldn't get them to fix errors that were on my report. I thought that they'd be able to do better than me. I was able to get one account off of my report prior to purchasing their services, and it was removed after I'd obtained them. However, it's been over a year, and they've only managed to get one account off. I have asked for a refund, or some results. They claimed that I would get results, and to this day, I still have not seen any more accounts removed.
Product: Mortgage

I was selling my home and my original loan mortgage was transfered from XXXX  to a company called statebridge company LLC who has reputation of mishandling accounts and not responding according to past reviews. During the move and changeover I must have missed a payment date during the move of accounts but once I finally contacted the new company and they responded the balance was paid. Request this negative rating be removed from my credit report 's as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and XXXX.
Product: Mortgage

I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone.
Product: Mortgage

I sold my home in NY recently and the closing took place on XX/XX/2021. Every aspect of the process concerning my mortgage satisfaction was like pulling teeth, including this last piece - filing the Satisfaction of Mortgage with XXXX County. I've even sent several to the legal department of the mortgage servicer, which to date remain unanswered, and trying to call them results in 4 hour marathon hold sessions, which I just can't do. Approx. 1 month ago I did remain on the line until someone in " customer service '' finally picked up the phone, and was told that while she didn't have specific information, " the Satisfaction was sent to 'XXXX  ' in early XXXX ''. I asked for a fax copy of what had supposedly been mailed, and got anything but a fully executed Satisfaction of Mortgage in return. As we are fast approaching the end of 2021, I would very much appreciate assistance in getting the proper documentation filed with XXXX County so that I can fully close the chapter on this part of my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX 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 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I paid XXXX XXXX credit card company the amount of {$500.00}, which is the total of what I owed. The XXXX XXXX XXXX I received a bill from XXXX XXXX stating that I owed them. Which I knew could not have been true because I had just paid my owed debt out leaving a {$0.00} balance on my account. I have been a XXXX XXXX  card holder for about 4yrs. always paid my bill on time except twice. I 've paid over the amount asked. I have not have any problems with XXXX XXXX until now. When I called to find out the problem they told me that I owed XXXX, which as I told the lady that could not be so as I have n't order anything from XXXX. The lady called XXXX and let me speak to them this was cleared up with XXXX and they said they would make the adjustments, I received a e mail from XXXX  stating that the mistake had been corrected. I still received notices from XXXX XXXX that I owed money, by this time I am irate with them because I made it my business to paid XXXX XXXX and a couple of other bills completely out that my credit would be up to part. Now XXXX XXXX said I owe a member ship fee and from my statement I paid that it was covered by the XXXX paid them. This is wrecking my credit which I am trying to make right. I called XXXX XXXX again stating that I wanted them to close the account because I did n't owe them and the late charges were outrageous. The gentleman said that he had closed the account yet XXXX XXXX XXXXontinues to send me notices and bills, threatening me with not being able to use the card I canceled if I do n't paid. Please can this matter be straighten out.