23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX I have been disputing this inquiry on my credit report that I have nothing to do with and it do belong to me at all please help me understand why they keep telling me that is flexible when it's fraudulent I have no contract with this company at all and it does not belong to me Inquiry XXXX. Date XX/XX/XXXX
Product: Mortgage

The same complaint is the issue : XXXX They have still not sent an inspector. We have asked them to text or e-mail so we have the paper trail of them trying to reach us. Truist says the inspectors call and leave messages, which they've not left and we don't have any missed calls. - Response to the closed case cited above, " We still have not received any phone calls from your inspectors. No one else is having trouble getting ahold of us. In fact, your offices ( Truist ) have reached XXXX XXXX, my wife, several times following up on the issues after the complaint was filed. Please give us a number to reach an inspector! We can give you pictures to show the work has been done. We have already completed the work matching the funds being held and Trust would know that if they sent an inspector. '' Original unresolved complaint - " This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank. Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/XXXX ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/XXXX when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives. '' As for the company 's reply that the inspector tried to call us on these dates, is untrueand we're not sure what number was called ; it was not one of the ones on file. " However, on XX/XX/XXXX a message was sent to the inspector to attempt to make contact again utilizing the phone number we have on file, XXXX. Subsequently, a telephone call was made on XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. '' Call XXXX and let her know that she doesn't answer her phone or check her messages. I know she called Truist again today about the issue.
Product: Checking or savings account

XX/XX/year>, I purchased a round-trip flight ticket which was departing on XX/XX/year>. After I purchased the ticket online, I noticed that my complete last name was spelled incorrectly. I notified them admittedly twenty-four hours informing them of their discrepancy. They mentioned for me not to worry because they would strengthen out the matter by correcting the spelling of my last name. On the day of arriving at the airport for departure I was told by customer service that my full last name was incomplete and for myself notifying the airline regarding the purchase. After contacting the airline informing them of their discrepancy which they mentioned for myself not to worry, the airline refuses to make the proper correction spelling of my last name on the ticket which I was forced to pay another full fee for a flight. I contacted my bank informing them of the problem, which they temporarily credited my account informing me of their investigation into the situation. I was forced to close my account due to this matter plus after contacting my bank for additional information relating to this incident. They mentioned upon their investigation that a processing error did not occur, which the bank stated I'm responsible for repaying them for the purchase ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report
Product: Credit reporting or other personal consumer reports

Just last month I had a score XXXX XXXX XXXX XXXX and I have always had a credit score I started to repair my credit removing the negative and fraudulent items from my credit report legally and I go to check my credit report with Experian after the breach and now I have no credit score when it was just XXXX Experian has not only damaged my credit and exposed me to fraud and identity theft but now they are damaging me financially I will be filing a lawsuit against them for all of these damages which my attorney will address
Product: Mortgage

Nationstar/Mr. Cooper was my new mortgage lender transferred from XXXX during an active home modification process. They change the offer terms of the loan by nearly 75 % and falsified our house hold income thereby limiting more desirable loss mitigation program options. We wanted to keep our home. 

While on the phone with Nationstar research department, the operator XXXX, told me the loan was paid {$160000.00} and current balance XXXX. I've made multiple request to get the closing/settlement documents via online, fax and via phone. To my dismay they refuse to release any documents. 

Now they are double dipping. Suing me for a $ XXXX deficit. The appraised value of the house was mid- {$100000.00} and XXXX transfer document show time of transfer at {$150000.00}. This is outrageous! 

I seek relief and justice through CFPB and its affiliates from Nationstar/Mr. Cooper 's harmful tactics, falsified court confirmed served summons, and everything adversity they has caused to me and my family financially and lost of homestead.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with XXXX does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Product: Debt collection

I am about to refinance my house and checked my score to see that I have 2 debt collections from Progressive Management Systems. Both collections are for different amounts. One for {$560.00} and the other for {$330.00}. What 's really weird is they were both were put on my credit report on the exact same date, XXXX XXXX, XXXX. I have no clue what these are and it 's the only negative impact I have on my score and it 's insanely frustrating. After research of this company I 've seen many complaints of debt collections being reported without explanation and even when people say they pay their debt, they still report it on people 's credit report. Please help so that I can refinance my house and fix my score. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Mortgage

" Please be advised that in order for loans to be eligible for modification assistance, they typically must be over 60 days delinquent. However, based on the information you provided, you demonstrated danger of imminent default and became eligible for the four month Trial Period Plan. Under the terms of the Program, reduced payments of {$630.00} were due XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The reduced payments were designed to put your loan delinquent in order to meet the requirements of the owner of the loan, XXXX. Because you did not perform on the proposed Trial Period Plan terms ; rather, you remitted your XXXX Trial Period Plan payments early and the loan remained contractually current. Therefore, the Trial Payment was denied on XXXX XXXX, XXXX. '' Once again XXXX XXXX XXXX & XXXX XXXX of Seterus has given incorrect information. The letter of XXXX which I received on XXXX/XXXX/XXXX from XXXX states that the payments of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were received were designed to put my loan in default. If that was the case, I could not have made the payments early as stated since SETERUS took the payments out directly from my XXXX bank act and if they wanted to make them delinquent, that was their priority. I was also advised by them to " never be late '' as well as Making Home Affordable " to never be late '' and Seterus told me to allow them to take the $ out of my account directly so this would happen. I was told when the Denial came to me to make up all the payments or I would be charged late charges on everything, causing me to have a foreclosure. And that my Credit Score would also be affected. ( I have been advised to go directly to XXXX and one other Government Official if Seterus does not grant me the Modification. ) At this point it is very difficult for me to make these payments because my situation is about the same if not a little worse. However I would rather starve then let Seterus claim my home. And going through all the paper works that I went through the first time put my health in jeopardy. CFPB has records of my previous complaints on file and I could not respond or dispute the last XXXX because of a computer problem. Thank You for helping me, CFPB in this matter.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX XXXX TRANSACTIONS. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. see attatched XX/XX/XXXX XXXX TRANSACTIONS ALL XX/XX/XXXX DUPLICATE XXXX CHARGES OF XXXX XXXX. WHO USED MY DATA FROM XXXX TO CHARGE MY ACCOUNT XXXX? Why DOES USAA REFUSE TO ADMIT DUPLICATE CHARGES? Why HASN'T USAA PROVIDED CREDITS FOR DUPLICATE XXXX CHARGES OF XX/XX/XXXX AND XX/XX/XXXX?
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake or misunderstanding. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a restriction. 

I kindly request that PayPal re-investigate my case thoroughly, taking into consideration the following points. Firstly, I have been an active PayPal user for several years without any previous issues or violations. This sudden limitation has come as a surprise to me, and I genuinely believe it to be an error. 

Secondly, I have always conducted my PayPal transactions in accordance with the terms and conditions outlined by PayPal. I have never been involved in any fraudulent or unauthorized activities, nor have I violated any policies regarding payments or account usage. 

In light of the above, I humbly request PayPal to re-evaluate my account and restore it, if possible. I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate any updates or clarification regarding the status of my account, as well as any steps I can take to assist in resolving this issue. 

Thank you for your understanding and anticipated cooperation. I trust that PayPal will conduct a fair investigation and come to a favorable resolution.
Product: Credit card

I believe the account is invalid. CEDARS BUSINESS SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CEDARS BUSINESS SERVIC XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt XXXX to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. XXXX XXXX has 3 different dates of the 1st date of delinquency on each creditor agency. XXXX XXXX has been sued by CFPB in the past for this same actions. XXXX must have all monthly statements since account was opened to properly established a 1st Date of Delinquency.
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint to XXXX, XXXX, and Experian to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to get an account- XXXX XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account
Product: Credit card or prepaid card

I had issues with paying on the cards Cards are dealt by the same person same address out of XXXX Georgia they kept saying that the payments were not going through but they were going to on my side through my bank and through my debit card that I was using then they used the excuse that because the credit was over the limit by {$1.00} or more they decided to close my account they keep charging monthly payments to my account In the amount of over {$50.00} a month I contacted them on more than one occasion to get this corrected and they never did anything that kept saying that it was never going through and the day before I was actually gon na make a payment to both of them they decided to close them on their own their own I had to find out through my credit report on XXXX XXXX  so my advice to anybody do not yet Forteva Or aspire credit cards. They will say that they will work with you but then they won't they'll just close your card and keep charging you in 2 months 3 months that it's been close on one card they have charged up over {$400.00} the other 1 is almost 600 II refuse to pay them because because the fact that I tried paying them when they were open And they kept denying the payment
Product: Credit card or prepaid card

XX/XX/2022 XXXX - XXXX ( XXXX XXXX  ) Venture XXXX Capital One Card, down grade to avoid the annual membership fee I called today to avert the annual fee of {$95.00} the original customer service transfer me to retention department. The retention customer service name was XXXX XXXX Emp. ID XXXX - provide by her superior ). 

XXXX told me I could down grade - although they call it upgrade. To a card earns 1.25 miles per every dollar instead of earning 2 miles per every dollar now. This could avoid the annual fee. After simple disclosure she stated I will receive my card in the mails. As we are near end I told her what about the {$95.00} dollar just posted which prompted my phone call. She then tells me she can't waive that fee. I told her why would I pay the fee then down grade myself? The whole purpose of the my phone call was to avoid this fee. If your intent to still charge the fee it defeat the purpose of the down grade. Then she tells me there is no way for her to waive the fee nor she could reverse the action of the down grade. 
She mentioned, all the details of the new card will be mailed yet she stated she satisfied her obligation explaning the details. It seems she didn't care if I closed the account and she was supposed to be in retention department. 

I requested to talk to her supervisor then she transfer me to XXXX-Emp ID XXXX from XXXX, Virginia. 
When I tried to explained the situation. The supervisor was indifferent and stated the same thing saying I am stuck with {$95.00} annual membership but still stuck with the down grade. She stated there is nothing she could do and seems eager to assist me to cancel my card. When I raised the issue about my existing point she tried to explain deeply discounted rate where I would be disadvantaged if I were to cash in unused XXXX points. It would worth over {$550.00} but wanting to give half of that amount in credt. 

I think I was being prejudiced because I had strong accent. I clearly, I explained why I wanted to down grade to avoid fee. And solution was down grade to no fee card. The supervisor indicated that's what other customer service did for me. 
But I told her whole purpose was to waive or get rid of this renewal fee that was charged. 

I would like to complaint there was inadequatly explanation of terms and condition of down grade. And misled waiving the fee for down grade. Once this was done blaming Capital One system not able to reverse the action nor making simple remedy to waive or credit the fee. It seems customer service are blaming the customer for inadequate understanding and same time blaming their system that they can't do nothing for the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}