23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need my accounts audited because my impounds are incorrect, and I think my money is being stolen by this company. the company leaves during the business hours when they are supposed to be available for any borrower that needs any help or has any questions. I spoke to a gentleman XX/XX/XXXX in which he said he would call me back with more info. he called me XX/XX/XXXX and updated me slightly, he said he would be contacting me XX/XX/XXXX ( TODAY ) with an answer. I never received a call, so when I called in and spoke to a woman. she said that he was not in today and that he did not work yesterday ( XX/XX/XXXX ). So at that point I was completely fed up and confused so I resorted to calling in and filing a complaint with your company. They gave me an appraisal on my home that I have had for 2 years. They told me it is worth less than what I bought it for. They will not remove my mortgage insurance which is why I wanted my appraisal done to have a higher amount go to my principal instead of interest
Product: Debt collection

Date of the debt XX/XX/XXXX Amount XXXX I have disputed this several times they keep reporting it current every few months like tight now it says reported XX/XX/XXXX I have never spoken to this agency or received any documentation from them I dont even know who they are
Product: Debt collection

Have talked to a representative about the account that XXXX XXXX is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card is being used by an unauthorized user, And canceled subscriptions, I sent a disuputebit was denied I filed police report and sent to company theyre still not releasing my funds I have 2 infant and cant afford to have my money being stolen from me, Ive reached out again to chime and asked for the reason of denial they never responded they replied with Thanks for reaching out to Chime. Unfortunately, your message is unable to be delivered. For information or support, you can visit our XXXX XXXX, check our FAQs, or contact us through our app or phone. Ive called for over 10 days and its still in progress Chime TXN ID Date Amount Merchant XXXX. XXXX XXXX {$500.00} Atm Withdrawal XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$200.00} Atm Withdrawal XXXX. XXXX XXXX {$100.00} Atm Withdrawal XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$15.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SECOND complaint I have had to file as Equifax still has not accurately updated my credit file. My bankruptcy is now complete and discharged yet there is a collection account from XXXX XXXX XXXX XXXX showing " Open '' and a {$200.00} balance. 

I did try to call XXXX XXXX XXXX as well and spoke with a XXXX. She told me it was updated. When I told her it was still showing on my credit report, she told me too bad. They have no control over that. That is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I have never had a XXXX XXXX XXXX, used or possessed one, I have disputed this before and it was removed by all the credit bureaus except for Equifax which removed years ago but has put it back on my credit report this month.
Product: Debt collection

Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another?
Product: Student loan

Its been 17 years since ALL my loans have been PAID in FULL! Its been 17 years of NOTHING cause I DONT OWE ANYTHING! As of last year EDFinancial raised its ugly head claiming I owe this mysterious {$9000.00}??? How is this ok? How is this LEGAL? How is it they are able to harass the living XXXX out of me via phone calls, messages, texts, and mail harassing me about payments on a MADE UP LOAN??? 
I have provided the paid off letter. I have called Federal Student Aid, US Department of Education, XXXX XXXX XXXX ALL SAY I AM PAID OFF!!! Yet this EdFinancial is in hot pursuit of me making payments on a bogus loan?? WHY havent you been answered by these people? WHY havent you put an end to this harassment? Why hasnt anyone helped me? When CLEARLY the information they can not prove on a loan they can not justify they pursue me and harass the XXXX out of me about? Disrupting my quality of life and peace???
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a voluntary surrender, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

It has come to my attention that the inaccurate reporting of this account as a voluntary surrender with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous entry. 

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> LVNV Funding LLC Resurgent capital services XXXX XXXX XXXX XXXX, SC- XXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear LVNV Funding LLC, I am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and may also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : 1. **Cease all collection activities** associated with my name and personal information.

2. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future.

3. **Investigate and rectify any potential misuse** of my personal information within your records.

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within 15 days of receipt of this letter.

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was NOT informed of my Right to Rescission. So I was paying my bills and then learned that I could endorse them with the money order sent through the money order instrument that they call the " statement '' They sent me a bill every month on the XXXX. I sent my endorsement XXXX XXXX. 2022 and they received it per certified mail XX/XX/2022 for the amount of {XXXX}, with an affidavit of truth. 

They chose not to accept my this form of tender even though I told them that per UCC 3-603/3-111 that I accepted their offer in the amount given and then the next payment, they denied my tender even though I put " without recourse ''. 

I have now sent them my right to rescind and an affidavit of truth, notarized, and have demanded that they give me back what I gave them when I opened up a consumer credit transaction and they took XXXX from my consumer credit account. They also gladly took a down payment of my car and gave me {XXXX} " cash '' which I have also asked for that back. I sent the right of rescission letter XX/XX/2022 and have given TOYOTA MOTOR CREDIT CORPORATION 20 days from when they receive my letter, to send me a check or it will result in civil liability for fraud Pursuant to XXXX5 U.S Code 1640.
Product: Debt collection

I paid off Midland Credit Management on XXXX XXXX, 2010 for the amount of {$5700.00} based off an established agreement. ( Please see attached documents ). 
Midland Credit Management still has a debt on my credit report despite me paying off this debt and continues to call me to collect on a debt I paid off.
Product: Consumer Loan

I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.
Product: Payday loan, title loan, or personal loan

I have gotten several approvals from companies that I am approved for a loan I did not apply for They have my SSN and phone number I want this to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, XXXX and Transunion. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion XXXX Inquiries : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible. 

Thank you
Product: Credit card

I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.
Product: Debt collection

Sent validation requests by fax on XX/XX/XXXX, no response for validation or HIPPA request. 
Sent another validation request on XX/XX/XXXX, second request sent by fax notifying them they failed to validate debt under 15 USC 1692 ( g ) Section ( b ) Failing to send HIPPA and being complainant to collect debt and share my personal information as a debt collector.

Sent a follow up with POA and another validation request since the last two validation request were ignored, XX/XX/XXXX.

Fax cover sheets for confirmation are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address reporting on my reports that has never been associated with me. 

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

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

Hello, My credit card payment is due on the XXXX of every month. I logged in to pay on XX/XX/2020 and they had already added a late fee even though my payment was not yet late. Then, a couple days later, interest was added to that supposed late amount. I have payed my monthly balance off on time and should not have acquired a late fee OR interest for the month. I tried calling and waited on hold for an hour and a half only to be hung up on, twice. Capital One does not provide an email for support, which means my only other option is to hand write a letter and mail it in. I do not have faith that I will receive any kind of response using the mail-in method. It seems as though the company is intentionally making support difficult/unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

clients sent me money which they deposited in my cashapp account. Cashapp closed my account for some reason, and they won't let me access the account, or withdraw or return the funds to my clients. i've tried at least a dozen times to resolve this and keep getting a " we can't access your account for security reasons '' response at the end of the process ... ..
Product: Mortgage

XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )
Product: Mortgage

I applied for payment suspension with my mortgage holder Wells Fargo in XXXX. I was immediately approved for 3 payment suspension which I was told could be added to the back of my loan. I received a letter in XXXX saying my time was up and I needed to call and make a decision on ending the forbearance program. I called and opted for a partial claim which adds the payments to the end of my loan. That call was in early XXXX, by XX/XX/XXXX I hadnt received any paperwork and called to ask about it. They said my forbearance had been extended through XXXX and asked me all the same questions about what I would like to do and I said partial claim. They said the documents would be mailed and I would need them notarized. They never came. Late XXXX I decided to purchase a second home condo, knowing that the forbearance would be over by XX/XX/XXXX which is when Wells Fargo said I would need to resume payments. They never accepted my choice to get out of forbearance and told me if I paid my loan up to date the payments would register as late and all late fees would apply. I called frantically XXXX XXXX to try and rush the partial claim with no success. Employees bounced me from the home preservation department to the executive department and back 10 times. They said things like were going to escalate your case and were going to research this matter but no one has been able to help me. Now I will lose the contract for my condo because the word forbearance appears due to Wells Fargo enrolling me unwillingly into another 3 months of payment suspension.
Product: Debt collection

I checked my credit report and found a Southwest Recovery Service collection account with a balance of {$330.00} dollars, which does not belong to me. The original creditor is XXXX XXXX XXXX XXXX XXXX in the state of Texas. I contacted the XXXX company directly and explain this problem, the representative told me to send a police report to them and a description of the problem. I have never lived or visited the state of Texas. I want to report this as fraud and I want a solution to this problem. Thank you. 

XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX ( XXXX ) XXXX Customer care : XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX Todays date XXXX I have I have recently disputed these inquiries. I got NO RESPONSE FROM CREDIT BUREAS my request was to DELETE inquiries I will list : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX AUTO Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( XXXX ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under XXXX XXXX. XXXX makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY XXXX days TRANSUNION CREDIT BUREAU IS IN VIOLATION OF THE FAIR CARES XXXX XXXX. This account was NEVER opened by me XXXX a FEDERALLY PROTECTED CONSUMER of the XXXX as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Checking or savings account

Credit karma/ the bank they use for their bank account and debit cards refused to increase my daily spending limit despite funds being in the account so I requested to close the account immediately and transfer the funds to my bank account on file. I was told I couldnt speak to anyone on the phone to close the account and had to email. Ive emailed and now am being told that I will get a response on my request to close account but they have yet to respond to my continued emails and calls demanding my account be closed and money from the account-be sent. They are holding my money XXXX and I cant withdraw, transfer money or even cancel my account. I feel they are predatory in nature as they basically forced me to sign up an account when filing my taxes with XXXX. How can I live if I cant use my own money. Is this legal?
Product: Credit card or prepaid card

I have cash app account for well over a year now, I use cash app for living expenses and to get paid from various contractors as I am XXXX XXXX, on or shortly after XX/XX/XXXX my account was locked for no reason, I've contacted cash app and spent the better part of 4 -6hours trying to get answers why my account was locked and have only been told I violated the terms, I've not received any contact as I've requested every time I try to figure out why it was locked, I've lost a contract job due to prospective company not having time to redo my payment method, there is a small amount of money I the account, I want my account unlocked and to be compensated for the time I've spent and the lack of responsibility that this financial institution has shown towards me being able to support my family,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very XXXX XXXX XXXX the XXXX XXXX have not responded back to me about my investigation. I sent a letter, it's more than XXXX XXXX. I need these accounts deleted off my credit report according to the FCRA anything on your credit must be removed that you did not approve of. All of the inquires on my credit report are fraudulent and I do NOT know where they came from. I have also submitted an IDENTITY THEFT REPORT and still havent gotten a response been over XXXX XXXX.