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

XX/XX/XXXX, while at work I contacted my bank for fraudulent charges. Then contacted cash App. There were multiple transactions and declined transactions but they managed to get it through, but as soon as I seen the email I contacted cash app claimed a error and fraud and the case was closed within XXXX hours of opening it XXXX. I have asked for documentation as of the XXXX and they haven't provided it as quick as they have closed the dispute. This is a violation as the beneficial owner of the account CASH APP has a Fidicuary obligation to act in the best interest of the principal. Using charge offs under the name of the principal. I am requesting all funds held in escrow in the name of the principal be released to offset this error to discharge. If this is not XXXX XXXX than I request a full reimbursement.
Product: Prepaid card

I purchased an Amex XXXX and attempted to use it at XXXX and it has been declined despite having the available balance needed. I found that many people have reported this problem in recent months and over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my reports for thorough investigation of fraudulent accounts reported on my credit history that is causing threatening acts towards my livelihood. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. This is now my second attempt at requesting these accounts to be removed from my credit history!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my Experian and XXXX reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX  XXXX  )
Product: Debt collection

I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX
Product: Student loan

I set up payments of {$50.00} with Navient, they stopped taking auto payments. I called to ask about it and did not authorize them to take more than {$50.00}. They charged me {$200.00}!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Unauthorized account and use XXXX XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX MA I never lived here at this address
Product: Credit reporting, credit repair services, or other personal consumer reports

Account RCVY collection company has several inaccurate and false collection items on credit report. These are not my debts. Never heard of company. Lawyer on my behalf stated I should go thru consumer protection Bureau first to give collection agency one last chance to remove off of credit reports before we proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.
Product: Bank account or service

PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.
Product: Credit card or prepaid card

Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..
Product: Student loan

XX/XX/XXXX ; I submitted the XXXX XXXX Discharge Application to my student loan servicer-Nelnet. I explain during the initial phone call that my loans were already paid in full. However, I was told that I could submit my package anyway and see what would happen. I submitted my application ; and I was approved. I was told that I would be refunded all paid loans from XX/XX/XXXX to present which totals over {$26000.00}. I was then told that I needed to wait 180 from the date of application which would put me at XX/XX/XXXX. I have called several times to Nelnet and to the Department of Education and I have not gotten anywhere. When I called in XX/XX/XXXX ; ; I was told that I needed to wait until XX/XX/XXXX before I would receive my refund. Then on XX/XX/XXXX I received a phone call from Nelnet stating that they were NOT going to refund me the paid loans even though I have everything in writing and they knew from the beginning that my loans were paid in full. I have in writing that they approved and that they were going to refund me my payments and now verbally stating they are not.
Product: Mortgage

I paid off my mortgage which is serviced by Fay Servicing in XX/XX/2023. The loan originally covered 9 rental properties in two different counties. I sold some off here and there but kept 3 and paid off the whole remaining principal balance per their payoff statement.

I am now trying to get a line of credit and use the three properties I kept as collateral. Title search revealed that Fay never filed a release of lien in XXXX and XXXX counties in WI. It is now a whole 6 months later. I have called them more times than I can count and emailed. They don't seem to want to move on this and it is at the point where I will have to reapply and possibly get new appraisals for the properties I am using as collateral for the line of credit. I just want someone to hold their feet to the fire and make them complete the process.
Product: Vehicle loan or lease

I`m trying to keep up with my payments on this auto loan that should never have been given to me as I work as a XXXX XXXX XXXX. We do not make much money. I just made a payment to Well Fargo Auto, and they put another late fee on the account on XX/XX/2023. I spoke to one gentleman at Wells Fargo Auto and told him that I'm having a hard time keeping up with payments but would make a payment Today, XX/XX/2023. 

The payments are due each month I believe on the XXXX of each month. Wells Fargo Auto is ripping me off with late fees. This has got to stop but I just spoke to another representative at Wells Fargpo Auto, and she told me that the late fees would keep going onto my loan. I also suffer from XXXX, and this is adding a huge amount of stress on me. I'm attaching the payment I just made along with the newest late fee they decided to put on.
Product: Mortgage

On XX/XX/2019, we sold our home that had been financed under an FHA loan serviced by Cardinal Finance. The proceeds from the sale easily covered the remaining balance on the loan, including any remaining interest and PMI costs. Despite this, Cardinal Finance deducted an additional {$95.00} for PMI through XXXX. A Cardinal operator and her supervisor admitted I did not owe the additional PMI, but when I asked to release money they told me to call HUD. I told them they already have paperwork indicating the loan has been satisfied and the additional PMI payment was unnecessary. They would only offer me HUDs toll free number. This is theft and negligence.
Product: Credit reporting or other personal consumer reports

I HAVE FILED MULTIPLE DISPUTES WITH XXXX XXXX XXXX. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY XXXX XXXX XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( XXXX AND TRANSUNION ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and  confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, Transunion and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXX XXXX. Also15 U.S.C 6802 B - I was never given the option to opt out! Please re

move all late payment transactions. 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 an account without my written instructions.
Product: Checking or savings account

I am not responsible for the fraudulent disputed balance and or interest charges associated with this account from Branching Banking and Trust ( BB & T ) I am requesting for this account to removed from XXXX  XXXX. This account has been written off and disputed on many occasions. I am not responsible for this balance in the amount of {$630.00} for this account # ending in XXXX.
Product: Credit reporting or other personal consumer reports

I have been requesting validation on the accuracy of information and have yet received It has now been months almost XXXX and noting yet.
Product: Debt collection

We purchased GAP  through ALLY which was paid at the dealership at the time of purchase. 

The vehicle was involved in an accident, and totaled out, Working through GAP and ALLY, the dispute was with GAP and ALLY, Gap promised to pay, however, ALLY indicated that the amount ws not correct, As a result, it is still showing that the payment is owed by the consumer ( which is not true ) Each time Ally was called it was stated that they would fix the issue. It has been almost a year now, and not only is the debt incorrect, it continues to report negatively to my credit, adversly impacting my ability to purchase another vehicle and a home. 

Now, it appears that the debt has been sold to a collection agency which should have Never OCCURED.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX
Product: Debt collection

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : 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  Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX
Product: Mortgage

We applied for covid relief in XXXX which was approved. XXXX added {$4000.00} for deferred principal XX/XX/XXXX, which XXXX on XXXX and XXXX XXXX was applied to escrow, XXXX on XX/XX/XXXX and XXXX on XXXX was applied to principal, XXXX difference was not applied anywhere. 
Than lender added another XXXX to deferred principal which that money was not applied anywhere. 
They also charged us XXXX for late fees on XXXX and XXXX. 
Fees were suppose to be waived.
Product: Debt collection

Company wrote me with several indicators that it was from a law firm, while implying that they were representing the current collection company for an alleged debt of {$440.00}. I also felt threatened and bullied by an ultimatum to pay by a certain date ( XX/XX/2021 ). I wrote a letter trying to validate the alleged debt, and they sent me a statement with personal medical treatments plainly visible.
Product: Checking or savings account

I checked my account and for some reason I was being charged for something I have no clue of what it is nor what/where its for/from. I think its some type of made up site. This never happened to me before and It happened when I went in to the bank to retrieve a money order. It happened later on that night around XXXX and I had cash for the money order so it didnt make sense that my account ended up being charged. My account is now in the negative and it shouldnt be I reported it when my account said {$42.00} and some change had been charged and I was told theyd fix it upon it stops pending but my account continues to go deeper into the negative for some reason. Even after me locking my card.
Product: Checking or savings account

I received two emails on the same day from Chime. One was a " Welcome to Chime '' email, the other an alert that " my '' account ( which I did not sign up for or have ever had ) had been accessed from a new login ( From California. I live in Colorado ). 

I did not click anything in the email, and went directly to Chime 's website to access the login assistance page. In the page when it asks if I'd like to reset my password and to have a text sent to my phone, there was a partial phone number ( last four digits ) that is not mine, and that I've never had. I did not continue, and called Chime to investigate. 

Chime said they removed my email address from the account upon my request, yet I'm wondering how my email ended up in their system in the first place, if someone has more of my personal info they're trying to use, or if Chime personnel are creating fake accounts to earn incentives ( like XXXX XXXX employees did ). Upon further investigation it appears that this has been an ongoing issue with Chime for quite some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts that needs to be removed from my credit report. Please refer to attachment for details.
Product: Credit reporting or other personal consumer reports

I just recently noticed XXXX listed hard inquiries were made unauthorized on various dates without permissible purpose which violates the Fair Credit Act XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/year>XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Debt collection

To whom It May Concern.

THIS IS A NOTICE THAT YOUR CLAIM IS DENIED AND DISPUTED Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you 'ALLEGE '' 1owe.

I am requesting proof that : 1 ) I am indeed the party you are asking to pay this debt ; 2 ) You possess original creditor documentation/business records with a full accounting using Generally Accepted Accounting Principles ( charges. payments, interest, eec. ) of the amount of this debt that can be presented as evidence. Also explain and show me how you calculated what you say I owe ; 3 ) Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records ; 4 ) There is some valid contractual obligation which its binding on me to pay this debt, and XXXX ) You, as a debt collection agency, produce documentation from the alleged creditor authorizing you to contact me and pursue the collection of an alleged debt that you or your client has ownership of this debt ; XXXX ) You must show proof show that you are legally registered in the state of Louisiana and a legal debt collector and show your Louisiana business license with your business insurance bond and bond stamp on it. Only number on a piece of paper is not valid proof. 

Your legal staff will agree that compliance with this request is required under the laws of Louisiana and Federal Statutes.

Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. CEASE AND DESIST CONTACT AND DELETE SAID ITEMS FROM MY CREDIT REPORT UNTIL THE INVESTIGATION IS COMPLETE. ALSO, DO NOT EVER CALL ANY OF THE PHONE NUMBERS THAT ARE PUBLICLY LISTED IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding Transunion to remove XXXX  XXXX XXXX, XXXX XXXX ( there are 3 separate accounts ), XXXX XXXX  I, XXXX Department of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX my credit report. Transunion has removed all three accounts for XXXX XXXX. For the rest of the accounts, this has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Transunion and will no longer extend my credit until everything is resolved.
Product: Consumer Loan

Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

XXXX weeks ago i open an account on Wise. 
Transfer almost XXXX dollars toy account through bank transfer. 
On XX/XX/XXXX wise Deactivated my account for no reason and didn't accepted my appeal. 
I filled a form to get refund the money in my accotun on XX/XX/XXXX. The suggested that in XXXX to XXXX working day i would get information about the refund or the money. 
It's the fifth working day and no one in wise tell me any information about my deactivate account and my refund. 
Support can't help me, wise doesn't have any other way to get in touch.
Product: Debt collection

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I have reached out these companies I was XXXX  XXXX alot in my life and couldn't possibly have these accounts Please I have been through alot already and wanting to start a new account and need this off my credit please