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

Transaction # 2 Account # XXXX XX/XX/XXXX On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX ( now defunct ) in XXXX XXXX, California. Again, Ally Financial accepted the Security Instrument and fraudulently created credit in a Transaction Account ( by forging my signature ), provided the Holder of the lien ( the financing company for XXXX XXXX XXXX ) with an exchange of credit or a Promissory Note, withdrew credit from my Setoff account with the Federal Reserve, placed a lien on my vehicle, and are forcing me to pay in an unlike exchange of credit for money ( Federal Reserve Notes ). A certified letter was mailed on XX/XX/XXXX, in request of a full refund of payments on the current purchase, yet no response has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a monthly statement from Citi every month stating that my minimum monthly payment is {$650.00} a month. I am attaching a copy of the statement which is similar to the one we get each month. I pay the {$650.00} religiously ( before the due-date ) each month, but despite that, Citi reports that my account is past due. I am also attaching a statement illustrating that I have made timely payments each month, going back to XX/XX/XXXX until this month ( XX/XX/XXXX ). Over the course of that time, Citi has erroneously reported me delinquent when they should have reported me in good standing.
Product: Mortgage

NEW Rez, LLC took over the mortgage from XXXX XXXX on XX/XX/XXXX of XXXX. During this time I've left multiple messages and attempted to contact the comany multple times. I was never able to connect with an actual associate until the week of XX/XX/XXXX. During this week I contacted three separate associates and was told each time that a " complaint '' was submitted and that an associate would be in contact with me for a resolution. This never occurred. On XX/XX/XXXX I was on hold for nearly an hour and bounced between multiple associates but never to the correct department. During this time, for each new associate, I was asked the exact same questions and then transferred. Each associate said that a complaint was filed, however, upon transfer found that nothing was included. This company had an email address on file that I have not used since I was XXXX years old ( I'm now XXXX ) and acted like it was given to them by me ( it wasn't ). 

The only thing that I need is to be able to log in and view my account details. I have the previous company telling me that I owe XXXX and New Rez saying I owe XXXX. I want to log in to the account and determine which informaiton is accurate. I also need to view my tax informaiton as NEITHER company sent this information to me and it's preventing me from filing for XXXX. Lastly, I need to verify that the escrow information is current and look over the taxes assessed for the upcoming year as the area was increased by 10 %. Without being able to view this information I'm not able to determine the new monthly rate that the mortgage with escrow would be. 

This company is exceedingly difficult to work with and unprofessional to see the very least. It's not a huge request for the information provided to be accurate and funcitonal. Before assuming this volume of work they should have been prepared to actually service these loans well and have their website information accurate, functional and accessible. 

Also - the phone number listed at the top of their webpage? That's a XXXX conference line. Apparently they need IT folks or to hire a company that knows what they are doing in web design and functionality!
Product: Consumer Loan

Complaint against TD Auto Finance Contract Date:XX/XX/XXXX, Term : 60 payments, Statement # 59 on XXXX XXXX the balance was {$160.00}. On XXXX/XXXX/XXXX they charged {$160.00} ( payment 60 and last ). On XXXX/XXXX/XXXX the charged again {$160.00} ( over payment ), on XXXX/XXXX/XXXX they charged again {$160.00} ( over payment ). As XXXX/XXXX/XXXX they sent the Release of Lien with the Title of the car. As XXXX/XXXX/XXXX my online account is closed as stated for TD Auto Finance. After reviewed all my payments since XXXX XXXX they over charged me a total of {$1000.00} ( included the {$330.00} after the end of the contract ).
Product: Debt collection

Hello, I am a victim of fraud identity theft. I received an alert notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that Credence Resource Management flagged my account for collections. I have never had any collections nor do I have any XXXX XXXX XXXX accounts that would be in collections for {$130.00}. This was the first I had even heard of this and the company is a fraud company stealing people 's information to report collections. I googled the collections company and they have many reports of fraud trying to scan innocent people by trying to collect debts that are fraudulent. I have never missed a payment as you can see on my credit report and ALL my account are in excellent standing. I reported fraud on all the credit bereau 's and immediately entered disputes with XXXX XXXX XXXX XXXX immediately removed the fraud collections from my report and XXXX dispute is still pending. I am requestioning this be removed immediately from my credit report as this is impacting my score and I should not show anything in collections. This company is fraud and needs to be reported asap! Please see their reviews online as they are scamming innocent people like myself.
Product: Mortgage

This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.
Product: Debt collection

I received two physical letters in the post today. XXXX XXXX XXXX XXXX XXXXXXXX. They are from " Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' These letters are a violation of the pending restructuring taking place at " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' I am not to be contacted. There is a criminal trial underway for bank fraud and I want to testify against many banks and government agencies which are bankrupt and embroiled in a massive scandal. Send future communications to : XXXX XXXX XXXX 

DO NOT CONTACT ME AGAIN! 

YOU ARE HARASSING ME! I HAVE NO ACCESS TO A BANK ACCOUNT DUE TO FRAUD AND BANK FAILURE. IT IS IMPOSSIBLE TO MAKE ANY PAYMENTS, AND YOU ARE CURRENTLY IN DEFAULT ANYWAY. I'M A CREDITOR OUT OVER A XXXX DOLLARS IN THIS ONGOING FRAUD. 

Since you are contacting me again despite the multiple cease and desist orders, I am requesting that you provide the XXXX footage of the incident I had at your affiliated entity today, where I entered the bank to remove a lock on my account and they called the police on me, and made a false police report where they told the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did this because I wanted to record audio of the interaction. I want to press charges against XXXX for the incident, and against the person who filed the false police report with the intent of having police violence done against me, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. CAPITAL ONE BANK USA N Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on a student loan. I was never notified that the payment was late and did not receive any invoices. The first correspondence was sent via US mail stating that the loan was late. I immediately made an on-line payment. This should not have been reported to credit reporting as I never received an invoice. I have tried to work with the loan servicer XXXX XXXX but they are not cooperative.
Product: Consumer Loan

A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

Set a reasonable deadline for the recipient to resolve the issue. This will depend on the urgency of the situation, but typically, allowing a few weeks for a response is reasonable. ] I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. I am asking for your immediate assistance to remove the items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX IC System Inc -- I cancelled an account with XXXX and returned their equipment. They continued to bill me even though I did not receive service. I had been on autopay my entire time using their service. So had never been late with a payment. When I called them to notify them they had billed me for service I did not receive and equipment I had returned, they assured me it would be taken care of and removed from my account. XXXX XXXX confirmed they were removing the charges. Not only did they not remove the amount they said I owed, they sent it to collections. It has killed my excellent credit when I'm trying to get a mortgage. I have written to them every year and written to the credit reporting agencies. I have excellent credit, have never been late with a bill or payment and this has destroyed me. Do not believe anything the XXXX representatives tell you on the phone. They will tell you whatever you want to hear so you dont cancel your service. 
But they will not fix it or back you up when they make an error. My nearly perfect credit score of XXXX did not include any negative items, and 0 late payments.
Product: Checking or savings account

I opened my account with Bank of America on XXXX XXXX. I was advised to wait until Social Security cleared to close my account. I closed my account on XX/XX/XXXX after receiving my Social Security on XX/XX/XXXX. I then received an email on XX/XX/XXXX letting me know that the account was closed and I would no longer be able to use it for billpay purposes, but there was no balance at the time. Im now being told by the company that I have an outstanding balance owed to them within one or two weeks of closing the account and that, in fact, is not the case there should be no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another person on my experian account They have the same email as me one letter somehow experian person put their info on my credit report assuming it was me. 

There email is XXXX My email is XXXX Somehow someone in experian confused that person with me and put their info on my experian account now im unable to get in.i need their info taken off my account and my info put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response 1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
US SM BUS ADMIN ODA XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

refusal to delete UNVERIFIED information from my consumer file. 

I have sent 4 letters to the credit bureus ( Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A XXXX ALERT TO MY CONSUMER REPORT!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX deducted {$1800.00} from our checking account. Our monthly statement described this as a Zelle dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned about this from an email informing me to check my bank account Letters and Notices section, in which I found an e-letter informing us of the deduction. A phone call with XXXX Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via Zelle was an unauthorized transaction. 

Neither XXXX nor Zelle have been forthcoming in disclosing alleged attempts to contact us about this claim. Zelle was wrong to believe ( or were they scammed by? ) the person claiming the " unauthorized transaction '' ( XXXX XXXX ) because 1 ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was a legally binding, due payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 

2 ) Also, there was no dispute to which we were a party, until the {$1800.00} was deducted. Why did Zelle not contact us to notify us of this dispute and to allow us a chance to clarify the original payment 's legitimacy? 
3 ) Finally, On or about XX/XX/XXXX, I telephone Zelle to inquire why this happened. They told me that Zelle the app is completely separate from Zelle administered through a bank, and told me to direct all queries to XXXX. They refused to provide any further information. 

From our point of view, Zelle, in forwarding or even making an institution claim or request, is complicit in aiding a fraudulent claim. We appeal to Zelle to conduct its transaction here like it does many transactions : the money a payer makes to a payee is usually gone. This should apply to our tenant 's payment to us -- she was the payer -- and NOT to us as the rightful recipient of a through-Zelle payment that got reversed for what are even now unjustifiable and unexplained reasons.