23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Product: Mortgage

On XX/XX/XXXX I tried to reduce the interest expenses on my loan # XXXX with Wells Fargo Home mortgage ( Servicing of my loan ) then I made a payment for {$2000.00} by my check # XXXX from my account # XXXX in Wells Fargo Bank branch at XXXX XXXX in XXXX XXXX NC. the payment was paid to Wells Fargo Home Mortgage by XXXX XXXX XXXX XXXX ( agree the statements ) .since I have tried hardly Wells Fargo Home Mortgage to reduce the principal on my loan for the amount paid by me of {$2000.00} this have not happen. The last time I contacted them on XX/XX/XXXX the company one employee of the company told me they applied my {$2000.00} to the escrow fund on my loan. I want to observe that I have paid my loan for about fifteen years without skipping payment or having late payment. So at the time of my payment for {$2000.00} I did not have pending for escrow fund neither for my regular monthly mortgage payments. 
In regarding to the escrow fund, when I had shortage on this fund I use to mail a check to Wells clearing house they ask me to mail.. The company on its account activity statement recorded my payment as received but did not reduce the principal on my loan. also when Wells Fargo does not apply my monthly payment to the loan as happened on my payments of XX/XX/XXXX for {$820.00} paid by my ck.XXXX account XXXX, my loan will show a shortage too on my escrow, interest and insurance because they are included on my monthly regular payments. for instance in XX/XX/XXXX I paid my ck. XXXX from my account XXXX for {$820.00} this has not been posted on the statement sent me by Wells Fargo Home mortgage on XX/XX/XXXX, the company want to involve this payment with my payment of {$2000.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section XXXXIt also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 sXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries from my credit report as I did not authorize them. I have included the theft reports. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has, violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX., I spoke to XXXX XXXX employee # ( XXXX ) in the collections department, about my XXXX bill. I told her that I had been charged for equipment that I no longer had, added late fees, and reconnect charges. I told her that I had been trying to disconnect this service since XXXX. She told me for me to close this account, I would have to pay {$110.00}. I paid the {$110.00}, and she closed the account. 

XX/XX/year>XXXX  - I talked to XXXX XXXX at XXXX and told him, I terminated my service months ago, and I don't have their equipment. 

Please see the attachment : Email about a conversation with XXXX XXXX Email payment from XXXX XXXX for {$110.00}
Product: Credit reporting or other personal consumer reports

This Company is reporting information about a debt that was already paid in full severely negatively impacting my credit score I have documents showing I payed the debt off already & that they need to stop reporting information on the debt because it was settled already
Product: Mortgage

I purchased an abandoned home in XXXX and I have not missed a payment. The bank that owns the loan is Banco Popular de Puerto Rico. I remodeled it to be my home ( therefore it increased its value significantly ) and recently made a large payment to the principal balance of my loan. I qualify to request the cancellation of the mortgage insurance, which I did in XX/XX/XXXX ( confirmation # XXXX ). The application was supposed to be answered by XX/XX/XXXX, but the bank requested 15 additional days.That extension expired on XX/XX/XXXX. Two appraisals have been made. The bank has still not answered my application, and indeed after my complain to the bank they assigned a new confirmation number to my application, and are now telling me they have another 30 days to answer my request ( confirmation # XXXX ). The bank only tells me that it is the " investor '' ( which is XXXX XXXX  ) who has not completed the process. In the meantime, they are forcing me to pay a monthly fee for an insurance I don't need ; and I qualify for its elimination according to the federal law.
Product: Debt collection

XXXX XXXX XXXX {$180.00} XX/XX/year> This account isn't mine and I am unaware of this account. I am unaware of this account and debt. please remove it off of my credit report. I believe it is a result of the XXXX data breach or identity theft. Please check and review the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

Citi / AAdvantage Platinum Select-0011 Disputing membership fee and late fee charges due to terrible customer service. 

Issue : I called to dispute on XX/XX/XXXX - the customer service said that they can only waive one late fee in their system, not two. However, the late fee was never supposed to be posted in a first place, which they admitted because they have a note in their system. I request a full refund, including my membership fee of {$99.00} ( XX/XX/XXXX to XX/XX/XXXX ). 

Membership fee XX/XX/XXXX to XX/XX/XXXX was due XX/XX/XXXX Paid on XX/XX/XXXX - the late fee was waived, Citi has a note about it in their system Late fee {$29.00} and interest {$1.00} were charged on XX/XX/XXXX. I thought it was a mistake. 
Another Late fee {$30.00} interest {$0.00} were charged on XX/XX/XXXX. 

Citi indicated they can only waive one late fee, their system does not allow to waive both. However, it is their own fault for failing me as a customer.
Product: Credit reporting or other personal consumer reports

There are numerous issues with my credit report, including account status, balances, adverse accounts, account openings, inquiries, creditors, collections, and more. Despite paying off accounts, opening a few new ones, making on-time payments, and lowering my balances, my credit score continues to drop every month. 

I believe the reason for this is the inaccuracies in my credit report, which are constantly present. When I asked how investigations are conducted, I was told they are not required to provide that information. To make matters worse, Ive requested copies of my credit reports but was informed they couldnt resolve my request. Ive been unable to log in or access my reports for a long time. 

I have never given any of the credit reporting agencies permission to sell or use my personal information, which constitutes identity theft because they are profiting from my data without my consent. XXXX, XXXX, and Equifax have had outdated, incorrect, and false information on my credit file for years. If they were conducting proper investigations, much of this false information would have been removed by now. 

These agencies have a conflict of interest since they are being paid by both creditors and consumers. How can they justify charging me to monitor my credit file when they are the ones reporting inaccurate information?
Product: Credit reporting or other personal consumer reports

XXXX allowed TRANSWORLD SYSTEM INC tp wrongfully put a debt on my credit report that is not mine and due to identity theft. I have an active and fully paid tmobile account so this debt should not be in collections. There is no past due amount as my tmobile account is currently paid up to date. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my XXXX Report. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account XXXX XXXX XXXX TRANSWORLD SYSTEM INC {$280.00} Account Number : XXXX
Product: Debt or credit management

To Whom It May Concern, I am writing to formally dispute the information reported by Alleviate Financial on my credit report for the account referenced above. I believe the information reported is inaccurate and incomplete due to the following reasons : Lack of Clarity Regarding Fees : Alleviate Financial was not explicitly clear about their fees when settling or coming to an agreement regarding my account. At no point during the process did they provide a transparent breakdown of the fees associated with their services. This lack of clarity led to confusion and misunderstandings about the financial obligations I was agreeing to. 

Failure to Advise on Credit Impact : Alleviate Financial failed to properly advise me that their services could have a significant negative impact on my credit score, even though my credit was in good standing at the time I engaged their services. Had I been informed of the potential consequences, I would have made different decisions regarding my financial management. 

As a result of these issues, I believe the negative information reported by Alleviate Financial on my credit report is unjust and should be removed. I request that you investigate this matter and remove any derogatory marks associated with this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute within 30 days and provide me with the results of your investigation. If the information is found to be inaccurate or can not be verified, it must be corrected or removed from my credit report.

Please provide me with written confirmation once the correction has been made. I have attached copies of any relevant documentation to support my dispute, including correspondence with Alleviate Financial and records of my credit standing prior to engaging their services.

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Product: Debt collection

I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.
Product: Credit reporting or other personal consumer reports

According to the FCRA Laws 15 USC 1692c : clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease ALL COMMUNICATIONS. This is a violation and statutory damages can occur. 

Please remove/delete these two account below from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX Credit Collection Services
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

Hello CFPB, I would like to file a complaint against PayPal for first freezing access to my funds ( {$1700.00} ) in my PayPal Business account. While I am still able to keep receiving payments, I am unable to withdraw or utilize the funds received, secondly any new money being received when sales occur on my XXXX XXXX XXXX, it is also being blocked which currently has a balance of {$2800.00} and climbing, so all together the amount I have frozen currently stands at {$4600.00} and climbing. 

I received an email from PayPal and in looking for the referenced Case XXXX and NOT finding it in Pacer which is a government website that offers Public Access to Court Electronic Records in all the US, ( https : //www.pacer.gov/login.html ) leads me to believe this case if a scam or fraudulent, and that perhaps PayPal was tricked into taking action on my account without verifying the case number was real or doing any due diligence. Because of these freezes from PayPal, I am currently unable to pay my creditors ; I contacted PayPal on the matter of which they had NO information on EXCEPT to reference back to the message and contact XXXX XXXX XXXX, XXXX at XXXX. I have both emailed and called XXXX XXXX XXXX, XXXX and spoke to their secretary and left messages for their attorneys to call me back and have heard nothing back, meanwhile my bills continue to go unpaid. 

I also received a strange message on my XXXX messages guiding me towards representation and I noticed that the message was sent to me from an XXXX account that was created the SAME day it was send XX/XX/2019, increasing the likelihood that it is a SCAM or Fraudulent. 

Below is the Law firm that is supposedly handling the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorney in XXXX, Pennsylvania XXXX XXXX XXXX XXXX, Pennsylvania XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX Email : XXXX Website : XXXX : XXXX XXXX : U.S. District Court for the Western District of Pennsylvania Plaintiff : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXl. ; Case XXXX I really need some help with this matter and I feel like I am getting nowhere myself and need your help to stop this abuse on my PayPal Business funds. Thank you and I look forward to your guidance and assistance. 

Thank you!
Product: Checking or savings account

My bank is being sued for illegally charging customers with over draft fees and credit card scams and etc im with Bank of America and I would like you guys to investigate my account because I believe I have been wrongly charged for months now
Product: Credit reporting, credit repair services, or other personal consumer reports

As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : Equifax results : We're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 

XXXX results : A condition exists that prevents XXXX from being able to accept your request at this time. 

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.
Product: Credit reporting or other personal consumer reports

I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is Experian who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and XXXX never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # 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. States that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.