23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sher & Shasbin fraudulently taking legal action with out proper notice and notifying me. 
I have never been XXXX nor XXXX XXXX, I order to secure a loan you have to provide valid iD, I do not and never had married documents in XXXX nor a XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reportedly closed my account back in XX/XX/2022. They are still reporting missed payments on my account after they have closed my account. They also closed the account and increased the APR. They have caused damage to myself and my report by continuing to report alleged late payment after the account is closed. This seems to go against federal law. I have also sent in a remittance coupon that was attached to the statement that they did not accept but kept the coupon. They continue to send after I told them to cease and desist ALL contact. Everything was filled out on the remiitance coupon including my autograph on the back according to black law dictionary the coupon is legal tender. If its not accepted it should have been returned to me.I have asked multiple time for an audit of my alleged file but have never recieved this I would like to see the incoming and outgoing currency on this, no I am not speaking of a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. According to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This company is not licensed to collect debt in my state, and they are collecting debt on me which is illegal
Product: Credit card

My Bank of America Business ( BOA ) credit was five months past due. I was in communication with the controller set up some sort of hardship payment ( s ), however, on XX/XX/year> BOA deducted {$1700.00} from my personal checking account to as they described it ( offset payment to account ending in XXXX ). BOA deducted double the amount that was needed. 

That money was my wifes money that was deposited into our joint account. I would like all of my funds to be returned to my personal account and I will continue with BOA about making payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXX ) of verification from the holder regarding a bankruptcy.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted an erroneous and fraudulent account that need reporting and correction through your company.
Product: Vehicle loan or lease

I had a car loan with Credit Acceptance Corporation. I paid the car on time every month for years ( From XX/XX/XXXX to XX/XX/XXXX ). The car was totaled around XX/XX/XXXX. I filed an insurance claim and my insurance paid the full loan amount. The loan should have been closed XX/XX/XXXX. Instead of reporting the account as closed, Credit Acceptance Corp continued to report the account as late from XX/XX/XXXX to XX/XX/XXXX. This is completely incorrect. They have been incorrectly reporting late payments even though they were paid in full by my insurance. I have reached out to the company numerous times via mail and I have not gotten a response. I have asked for proof of this incorrect reporting and they have not sent me any proof. I have disputed this numerous times, and Credit Acceptance Corp keeps saying that it is correct even though it is not! Even there reporting does not make sense. I would like this corrected as it is ruining my credit. This account was paid in full and closed in good standing.
Product: Debt collection

I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX  Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX  Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.
Product: Mortgage

i was going thru a company XXXX XXXX to get help on making my payments so on XX/XX/XXXX i received a letter in the mail about my payments is said to sign the paper work so that way i can keep my house so i did send it back and so then i received a email from XXXX XXXX saying i got denied bc i was put on forbearance on my mortgage so i called and trying to find out whats going on no one could help me they are all being rude so i asked for a manager or a supervisor and i was told they dont get on the phones and talk to costumers i was trying to find out why i was told b/c i dont have a valid reason to talk to one this was on XX/XX/XXXX and so they finally transfer me to a manager his name was XXXX so then he said he will look in to this and get back to me before XXXX bc this was at XXXX in the morning so then i waited no calls at all till XX/XX/XXXX i received a call from XXXX she told me she was from lost mitigation and so i asked her who was the guy i talk to on Monday and then i hear hold music so i said ok ill wait so i did then she hu the phone so i called back at XXXX on XX/XX/XXXX and i spoke to the manager his name was XXXX so then i asked what happened to the call and did he ever find out who put me on forbearance and why was i put on that without anyone calling me and approving that he said oh i was sick o i left early. and then i asked him if he was a manager like he said he was he said no he is a sr rep i asked him why is he miss representing himself he said he is not manager and supervisors dont take any Calles and they won't talk to me i asked him i need to find out who put me on forbearance and why was i put on that if the XXXX XXXX was calling to make payments he said he does not know he has not got anything back i asked what did he do to get that he said nothing bc he was sick i then asked for a supervisor he said they dont have one and so i advised him then i will make sure they call me after i file this complaint and ended the call. and i attached the letter i got from XXXX XXXX bc someone put me on forbearance, and they won't help or pay anything bc of the forbearance on the acct till XXXX of XXXX that i never asked for
Product: Credit card

The rewards program on my BofA Card allows for 3 % rewards on up to {$2500.00} in purchases each quarter. My choice is travel purchases. I have not reached {$2500.00} in purchases in the 2nd quarter of 2024, but BofA has said I reached the cap. The reason for this discrepancy is that BofA is counting a purchase I made in XXXX ( XX/XX/XXXX, but posted on XX/XX/XXXX ) as being in quarter 2 vs quarter 1. The website says " 3 % and 2 % cash back on the first {$2500.00} in combined choice category/grocery store/wholesale club purchases each quarter ; then earn 1 % '' ( sceenshot of XX/XX/XXXX purchase and the copied phrase attached ). It does not say purchases posted in the quarter, it just says purchases each quarter. Since I made the purchase in Q1, it should be for Q1, not Q2. Also, in the Bank of America Customized Cash Rewards Program Rules ( attached ), I see no mention of the quarter being based on the time the purchase posted. Their is a specific part of the rules that states " Choice Category Net Purchases in your new category that post to your account on the effective date but were made prior to the effective date will not be eligible for Bonus Cash Rewards ''. This means you can't make a purchase and then change the category before it posts and then expect to get rewards. So, BofA uses the purchase date of the transaction for this purpose, but apparently the posting date ( which is outside the customer 's control and not clearly documented anywhere I could find ) to decide which quarter the purchase is in. There is clearly a lack of disclosures and this is used in every case to limit the amount of rewards a customer can receive and prevent customers from getting the full rewards that should be earned.
Product: Credit card or prepaid card

On XXXX on Cash App $ XXXX which is XXXX XXXX he paid me XXXX dollars at XXXXXXXX XXXX at XXXXXXXX XXXX My wife and I went inside to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX TX. We tried pulling out XXXX it said that was to much try a lower amount so then we tried XXXX was declined then tried XXXX declined so then I thought maybe tried using the wrong pin number so tried my other pin number then it was declined again for wrong pin number that time. I then went pulled up my account on cash app and then it should I received XXXX dollars that I never received I went back into the bank and said something showing my receipt where it shows all transaction were diened she said have to call cash ap which I did and everyday have been reporting this error and uploaded the receipt which shows all three transactions of XXXX, XXXX and another XXXX all declined with time stamp of XXXXXXXX XXXX on XX/XX/2021. No body seems to be even trying to fix this problem at all. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consistency of incorrect information, I have asked on my different occasions to delete and update information. The information remains incorrect. XXXX XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

WestLake Finical sold my debt to another company and still reporting an active debt owed and reporting to my credit currently when they stated they stopped report back in XXXXXXXX XXXX  2022
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent and closed accounts off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XXXX {$1100.00} XX/XX/year> 2021
Product: Credit reporting

Did not open a loan in 2009 with XXXX. Nor did I co sign for anyone.Also, I never had a XXXX account. No mail for me has Ever been give that address on my behalf. Found out that it belongs to my ex husband.
Product: Prepaid card

I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX and XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the 3 credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXXXXXX Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( XXXX, XXXX and TransUnion ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made into my credit report on XXXX XXXX, XXXX without my approval or knowledge. I communicated with a mortgage consultant at XXXX XXXX XXXX about refinancing my home, but I did not complete an application and I did not approve an inquiry into my credit report. This inquiry apparently dropped my credit score by 5 points. I would like to dispute this inquiry and have it removed from my credit report. 

Date : XXXX/XXXX/XXXX Company that made the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ; ( XXXX ) XXXX Email : XXXXXXXXXXXX
Product: Checking or savings account

I used my debit card on the XXXX and the funds were in my account and paid for for the purchases, three days later the bank took the amount out of my account again, causing overdrawing. Then, I had {$55.00} in my account yesterday and bought three purchases that were paid for, I had {$27.00} left last night when I woke up, it was negative XXXXXXXX XXXX and change. I called and they were rude and blaming me saying that the merchant never accepted payment when I have the receipts showing otherwise. Then, I had a {$38.00} XXXX refund that was never put into my account they told me it would have to be applied to the negative balance. I filed a dispute. After that, a {$24.00} XXXX XXXX for an e-file tax service was applied and madey balance negative {$48.00} XXXX XXXX XXXX  I had to borrow {$50.00} from family to transfer to get out of the negative balance but I still have not received my refund for the {$38.00} XXXX that the bank themselves told me should have been put in the account when others told me it was when it wasn't. I feel like I was double charged, and I feel like my money was stolen from me with fake fees and stuff. I now have XXXXXXXX XXXX in my account since I had to borrow the funds to pay the fees that the bank messed up on and charged me for. And I still have not received my refund. I will not use this bank again and if they try to use my refund and add an overdraft fee for no reason I will find a lawyer and file a lawsuit. I am on SSXXXX and legally they are taking government money from me.
Product: Mortgage

Our 2nd mortgage ( lien ) with Wells Fargo was released ( without request ) and has now driven down our credit scores so now we ca n't get credit. At the end of the term, we were unable to pay the full amount of the loan, but kept making monthly interest payments, which WF would not accept and returned to us.
Product: Credit card or prepaid card

Hello. I purchased a Vanilla Visa gift card on Monday, XX/XX/22. I have tried to check the balance of my card multiple times and I continuously get an error back. I have even tried to call the number on the back of the card for Customer Service and all I do is wait and wait and wait. Minutes to hours with no representative that's not " assisting '' other customers. {$200.00}. {$200.00}!! GONE!! I will never purchase from Vanilla Visa again. I am so upset right now. This card was purchased at a XXXX here in XXXX, PA! I just want my money!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.
Product: Credit reporting or other personal consumer reports

Didnt freeze or lock my credit report when asked for identity theft. Also put background information on it
Product: Mortgage

Have been trying to access my loan information but the site has been since XX/XX/! Due to an emergency replacement of our HVAC, I want to request a one-month forbearance. 
Website is down, mobile app is down. Calls are answered with, " We are sorry but our agents are unable to access your loan information at this time. ''