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

On XX/XX/2023. I attempted to pay ALLY Bank via the Bill of exchange act 1882. I sent them documents that accepted the demand for payment ( Accepted for Value ), I entered the amount of {$6700.00}, I signed my name and underscored it with UCC 1-308. 

On XX/XX/2023, I received a letter of rejection and was placed on restrictive payment. I would have pay my bill thru a wiring service as punishment for trying to settle my debts as I understood them as a Bona fide Purchaser. One who exchanges value for services and goods. 

I sent them payments through my banking account, which they returned, under UCC 3-603, part b. If payment are sent to those who are authorized to pay and they are rejected. It is considered discharge up to the amount submitted. 

I rescinded their rights to repossessed my car, as well as their rights to the security interest of promissory note that was on the back. I was still sending them payment through my bank which they returned. 

The repossessed the car two months after rescinding. A clear violation of the contract. I was force to pay over XXXX dollars to get the car back. 

I am still being forced to pay this company through a wiring sevice, which is a hardship to me. I seek remedy for violating my rights as a Bona fide Purchaser/Consumer.
Product: Credit reporting

I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to view the current balance of my Credit Karma savings account, open since XXXX. I have been depositing into the account on a automated weekly basis since at least XXXX. My last transfer into the account was XX/XX/XXXX for {$50.00} USD. The time I last checked the account physically on my app was XX/XX/XXXX, where my account was accessible and all appeared as expected. 
I was married and had a legal name change in XXXX of XXXX. From my understanding, my account details were fully updated at that time. When I access my " Personal Information '' on Credit Karma, I see my Legal Name, Current Phone Number, Current Address, and I updated my email contact XX/XX/XXXX. 
Worried I was unable to see my account and there was an error message instead on my " savings '' page, I was able to " Live Chat '' with an agent. Through this I was informed my account was closed after multiple attempts to reach me to confirm my personal details. I unequivocally deny this as I have not one attempt of trying to confirm details- I did not even get a notice my account was closed. I asked for proof of attempts to contact and none were provided. I was told I will get a check with the balance of my savings account. They are unable to tell me the final balance of my savings and when I should expect a check. Upon saying they will send a check, I confirmed my address to which they said the address they had on file does not match which will " escalate '' the case to the proper team. My address is up to date when I access my Personal Information on Credit Karma. I have had no contact from this team since this occurred 24 hours ago. I asked for a phone number to try to speak to somebody. It was an XXXX second language call center who said they will mail a check, but again was unable to provide any amount, proof a check will be mailed, and had extreme trouble understanding my address after explaining over 4 times. I am extremely concerned my life savings is missing and my account was wrongfully closed. I will never be banking with this company again- but I need proof a check will be provided and proof of the last amount as well as a date the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX You are reporting inaccurate and incomplete information on my credit report for the account above. The notation of the late payment on this account is inaccurate. 
I request to be provided proof of this alleged item, specifically proof that this payment was in fact late. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of this payment being late, please update my payment history to current and my status to paid as agreed and never late. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation.
Product: Debt collection

I owe a debt for a fitness club. The agreement was defaulted on by myself and sent to a debt collector ACSI. The called stating that they charge interest daily so I need to pay soon. This is illegal. The original agreement with XXXX ( XXXX XXXX XXXX XXXX ) had no mention of interest. It was a flat rate agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$640.00} Opened XXXX XXXX XXXX  After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$720.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXX XXXX XXXX XXXX {$3800.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original Creditor XXXX XXXX  These are fraudulent charges brought on by the Pandemic My information may have been impacted by the Equifax and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Under 15 U.S. Code 1681c-2, which governs the " Block of information resulting from identity theft, '' I have the right to request that information resulting from identity theft be blocked from my credit report. In accordance with this law, lam requesting the removal of the fraudulent accounts and transactions from my report.

Additionally, under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputes regarding inaccurate or fraudulent information on a consumer 's credit report. Please initiate an investigation into the items I have listed, and remove any inaccurate entries resulting from this theft. 
I have enclosed the following documents to support my claim : A copy of my identity theft report filed with [ police department or FTC ]. 
Proof of my identity ( e.g., copy of my driver 's license or utility bill ).
Product: Debt collection

I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.
Product: Credit card or prepaid card

I have had a Capital One Journey card since XX/XX/XXXXof XX/XX/XXXXand as of XX/XX/XXXX Capital One has closed my account because of returned payments and i have a new bank now and so i have paid off my Capital One bill off my account. I also have a XXXX card that i have always made payments on and never had a problem before. My latest XXXX XXXX  score as of XX/XX/XXXX is XXXX. I have made on time payments on my Capital One and XXXX. I always have made sure that my bill is paid because i am a XXXX and need to make sure its paid off. I can not be approved for a new credit card because of this issue i have applied for a Capital One SavorOne card and was denied because of this issue. I would like to either be approved for a SavorOne card or have my Capital One Journey card account reopened. I have already contacted Capital One support and they couldn't help me until i got my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to correct the improper report history through XXXX XXXX XXXX. XXXX and XXXX have already both made the corrections. I have contacted Transunion multiple times to correct this issue via email and phone, and still no correction has been made
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Equifax 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Equifax failed to address or correct the inaccuracies in my credit file appropriately. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX : Account number : XXXX, This account is inaccurate. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, I was never late. Update this on my report. 

XXXX XXXX  : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over 7 years old. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from 2014 and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Mortgage to XXXX XXXX XXXX XXXXXX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX  were advised that XXXX XXXX XXXX XXXX and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a XXXX XXXX plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX  been set up until AFTER legal services intervened. They have also reported that my XXXX payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX  are STILL intentionally not fullfilling the process in a timely manner and due to the XXXX XXXX XXXX, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the XXXX agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX  are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account and inquiries from my credit report. I am a victim of a data breach, and these entries are the result of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Account : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

SURPRISE OVERDRAFT FEES, WRONGFUL FEES AND LARGE MODIFICATION FEES. GOT MY LOAN WAS SUPPOSE TO BE 30 YEAR LOAN AND SOMEHOW WELLS FARGO BOUGHT MY LOAN AND TACKED ON 2 EXTRA YEARS! SO NOW ITS 32 YEARS : (
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2 I XXXX XXXX XXXXnstruct Experian to block this account from the credit report of XXXX XXXX immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XX/XX/XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXX/XX/XXXX- XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXXXXXX/XXXX/2024XX/XX/XXXX XX/XX/year>2024 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Mortgage

Quicken Loans has been slow rolling me in refinancing my mortgage. The home is worth $ XXXX with a mortgage of $ XXXX. 

They have ruined my credit score. Why are you treating a fellow XXXX alum this way, XXXX XXXX? 

Shame. 

See you in court. 

XXXX XXXX Class of XX/XX/XXXX
Product: Credit card or prepaid card

Inquiry from Comenity Capital is still showing on my XXXX report. I was a victim of ID Theft & have the documents to prove it
Product: Student loan

On XX/XX/XXXX I called Aidvantage to request a refund for payments I made on XX/XX/XXXX as allowed under the CARES act. After not hearing back, I called Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen within two weeks. After receiving no notification on status/update I emailed Aidvantage and I was told my request would take up to eight weeks. I still received no status update on some form, via email, account alert, or new loan balance. It is now XX/XX/XXXX and past due the eight weeks that was confirmed by the agent and the email response from my inquiry.
Product: Checking or savings account

On XXXX XX/XX/XXXX, a loan disbursement unauthorized or requested by me was made to my XXXX XXXX XXXX account in the amount of a deposit of {$39000.00}. No document was posted to my account which USAA always does before a transaction like this. I was out of the country during this time and someone tried to transfer the funds out on repeated occasions and finally on XXXX XXXX USAA conducted a miscellaneous debit for the remaining funds that were in the account. On XXXX XXXX, USAA removed {$1000.00} from my Classic Checking account ( with no explaination ) which placed me in an overdraft position and USAA charged {$300.00} to my USAA Visa Card. 

I had no knowledge of the events in my account until XXXX XX/XX/XXXX when USAA notified me that my XXXX XXXX XXXX  account balance went below {$1000.00} ( as I had requested years earlier ). I was in XXXX at the time and immediately checked my account online and discovered the activity that had taken place. I contacted USAA about the discrepancies on XXXX occasions while in XXXX and was told information was passed to XXXX. When I returned home to the United States on XXXX XXXX, I again contacted USAA and was told that I would be contacted by Fraud in XXXX or XXXX  days. I XXXX put in ( XXXX on the website, once with a USAA rep ) requests to have the credit card charge suspended pending the outcome of the investigation. XXXX  it has been rejected by letter from USAA. 

When I got home, I discovered letters from USAA approving the loan of {$39000.00} in my wife 's name. This was not possible as she was with me in XXXX and has no knowledge of the affair. So someone opened an account in her name at USAA and conducted the fraudulent activity I can't seem to the attention of the fraud department. The reps answering calls have been courteous but it seems they are limited on what they can do.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from any of the following inquiries. 1. XXXX - XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX 6. XXXX - XX/XX/XXXX
Product: Mortgage

Refinanced primary residence mortgage with Loan Depot which was to close on XX/XX/19. Disbursement date was supposed to be XX/XX/19. Received automated email on XX/XX/19 that my mortgage was funded. I received a late fee notice in the mail from original mortgage company since the loan was not paid off by XX/XX/19. I reached out to my contact at Loan Depot via email on XX/XX/19 requesting when my loan was going to be disbursed. She responded on XX/XX/19 and indicated the settlement agency ( XXXX  XXXX  ) was running about a week behind on " payoffs ''. My original mortgage was then paid off on XX/XX/19. I was supposed to receive {$1800.00} cash to close per the Closing Disclosure. I have not yet received. I prepaid interest from XXXX in the amount of {$560.00}. I emailed my contact at Loan Depot via email again on XX/XX/19 asking them to wire my money ASAP and never received an email back. I called the contact with XXXX  XXXX  listed on the Closing Disclosure on the morning of XX/XX/19 and left a voicemail to call me. I finally got a hold of a live person on XX/XX/19 from XXXX  XXXX and she said she would put a rush on the payment. I asked her to give me a date the funds would be settled. I have not heard back.
Product: Checking or savings account

My direct deposit from my employer was not reflecting in my account as of XX/XX/scrub>XX/XX/XXXX The bank stated it was a technical issue on the mobile app. The issue occurred on XX/XX/year> and has not been resolved yet. Today is XXXXXX/XX/year> and there has been. Not deposits due to the banks error. I only received XXXX email from capital one at XXXX  central time. They are holding my deposit and my hard earned money XXXX.