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

There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account close date as XX/XX/XXXX however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy and the last payment was made in XX/XX/XXXX. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed
Product: Credit card

I was charged both cash advance fees and interest on my monthly statement on my XXXX XXXX XXXX Credit Card from Barclays for XXXX transactions. I was never made aware that XXXX purchases were considered cash advances nor was I made aware that cash advances were charged interest even if the account was pain in full before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute with Experian letting them know that fraudulent accounts from XXXX XXXX that my father took out in my name were appearing on my credit report. I also contacted XXXX XXXX to gather more information about the fraudulent accounts and to get them to remove the information. After talking with XXXX I was told the accounts were open several months ago, sometime towards the middle of XXXX. After Experian completed their investigation they failed to remove the accounts stating that XXXX XXXX attested that the information was accurate. There are a couple of problems with this ; the first being that accounts dont belong to me so Experian has allowed XXXX XXXX XXXX place fraudulent information on my credit report with no due diligence. The second being that from what I was told about the fraudulent accounts they were opened well before XX/XX/XXXX but contain no information prior to that date. The lack of information about these fraudulent accounts prior to XX/XX/XXXXXXXX  is hindering my ability to work with identity restoration experts to clear my name. So I am demanding that Experian perform a proper investigation and remove these fraudulent accounts. Ive attached a copy of my credit report and you will see there is little to nothing about these accounts. No payment history, nothing of use in my ongoing fight to clear my name.
Product: Credit card

This morning I received an alert from my identity monitoring that I had an negative report on an account. XXXX reported that I was more than 30 days past due on a credit card from Commenity Bank. The card was called XXXX XXXX I do not have such a card. 

After I logged into the credit monitoring, I saw that it was also on my XXXX credit report. I contacted Commenity bank and after telling them my personal information, they verified that I do not have a XXXX XXXX account. I asked them to send me a email stating this as the dispute process asked for these kinds of letters. She refused to do this. She also said it was a credit bureau mistake. But why was this sent to all three credit bureaus if an individual credit bureau made a mistake? 

And right after the phone call XXXX notified me that Commenity bank was reporting me as being two payments late on a XXXX XXXX  Credit Card. 

Commenity Bank IS reporting this to the bureaus regardless of what they are telling me. Please make them stop and make me whole. My credit score dropped XXXX points over this.
Product: Debt collection

Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with th e Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the moment.
Product: Money transfer, virtual currency, or money service

The company I am filing a complaint against is PayPal , Inc . 

Around the end of XX/XX/2019, I made a change of my personal bank accounts from one banking institution to a new, different banking institution. When this change took place, I logged into my PayPal account and made the updates accordingly. 
I made my NEW account my preferred account for paying for transactions and attempted to remove the old account I no longer wished to use. I was unable to remove it from my account page, so I placed a call and spoke to a PayPal representative. They informed me at that time that the old account could not be removed for 60 days, since a transaction had recently been applied to that OLD account. I understood and thought that was a fair process at the time. 

I asked the PayPal rep at that time if my new account was indeed the preferred account going forward and that the old account would not be used for any further transactions. The rep assured me that the NEW account would be the main account and used moving forward. 

Since that time, PayPal has continued to place charges against the OLD account repeatedly. I have placed several phone calls to have this corrected and for over two months now, I have not received any sort of resolution whatsoever from PayPal. They have caused me to incur several hundred dollars in fees from my OLD banking institution. In continually placing charges against the OLD account, I am not able to close that account with my institution which has caused me great frustration. 

Furthermore, PayPal has been removed as a method of payment from ALL previous merchants. Yet, they are still trying to place charges against my old account. This most recently happened today ( XX/XX/2019 ) with a XXXX XXXX  product. I spoke with XXXX this morning and they were surprised that PayPal attempted a charge for this product, for two reasons : They are not listed at all on my XXXX XXXX  account as a method of payment ( They confirmed my VISA # on file that is set to be charged ) and secondly the charge should not have been applied until after XXXX XXXX this evening. 

I believe these practices by PayPal are fraudulent and deceptive.
Product: Student loan

I am a co signer on this student loan. It had a XXXX balance. The loan was paid in full XX/XX/year>. It was transferred from XXXX to Mohela XX/XX/year>. The communication with this lender/ servicer was email only which I didnt get as it went to junk. I did not get a phone call or a letter on the account. They reported it 90 day late without sufficient communication and will not retract that late reporting. There should be higher standards and policies on communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Wells Fargo account which is fraudulent account in my credit report already 2 years, and I'm disputing this account 2 years, nothing changes I call to XXXX, explain them what happend, Also did priority mail to Wells Fargo, requested documentation how they verify this account. Anyway I don't get any respond from bureau and from Wells fargo, They verify account anyway, without sending me proof. I'm thinking that my rights have been violated and looking for your help, Need to say that I don't have any negative account in my credit profile, Only this account some how added to my credit report. I think you guys have power and you can solve this problem for me. 
Appreciated for your business ..
Product: Prepaid card

On XX/XX/XXXX used my XXXX XXXX XXXX account to send money to cash app to pay for a riding lawn mower for the total amount XXXX . So the XXXX I sent XXXX On the XXXX I did the same thing XXXX and a couple days later sent XXXX it is now XX/XX/XXXX I have yet to receive the riding mower... On XX/XX/XXXX I filed a dispute with cash app and XXXX XXXX, with in 24 hrs both cash app and XXXX XXXX closed the disputes. With no investigation or anything. So I'm just out the XXXX $? That just doesn't seem ok.
Product: Credit reporting

My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
Product: Debt collection

XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.
Product: Bank account or service

I bank with Wellsfargo and I made sure to deposit enough money into my account to clear all transactions for the day ( XX/XX/2017 ). I made sure to deposit my cash before the cut off period of XXXX and at I checked my balance afterwords to show that my account balance was positive. Wells Fargo then processed XXXX ACH transactions at XXXX as part of the same business day causing XXXX overdraft fees. I believe that this may be considered malpractice as there is no way for me to deposit money into my account during the window ( XXXX - XXXX ) in which they are processing these transactions to cover the transactions. I believe that if they are going to process transactions out of my account I should have the opportunity to process transactions into my account. Also FYI, my direct deposit went into my account the next morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went into XXXX XXXX in XXXX, Maryland with the intent on looking at cars for research purposes. After 30 minutes, the car salesman said, he would check to see if I qualify for the car we test drove. I specifically told the salesman " I just got my credit up and I wasn't to sure about running my credit. '' After 10 minutes he came to me and said that I was approved for the car. When I checked my credit I saw that my credit was ran almost 10 times without my approval. I was misled by deceptive marketing practices. Flagship Credit Acceptance company ran my credit through their system without my knowledge or approval.
Product: Credit card or prepaid card

I had fraudulant activity and wanted to close my account. I have called multiple times and the best I could do was to place my card on hold. I tried calling again today and gave up after XXXX XXXX  on hold. I mailed a letter via XXXXXXXX XXXX XXXX weeks ago and no response. I want to completely clost this account. Can you help?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

4. Unauthorized Inquiry - Creditor Name : XXXXXXXX XXXX  - Date of Inquiry : XX/XX/scrub>/2023 - Requested Action : Remove the inquiry.
Product: Credit card

I made a one time purchase and the associate offered promotional financing so I applied and opened a credit card for the offer. No other purchase was ever made on this account. 

I setup auto pay so this would be paid off before accruing any interest. The promo plan term length was either an 18 month deferred plan. 

In reviewing my statement the promo plan was never applied. I called the bank and they refused to honor the promo plan that was sold to me. 

If it was not for the promo plan offer I never would have opened this account.
Product: Credit reporting or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 CORRECT or DELETE all information which can not be verified.

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

Since you claim youve verified the item 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 ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX ....
Product: Debt collection

I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me. This information was also shared illegally with a third party without my consent.
Product: Debt collection

the balance in question was paid on original utility site on XX/XX/XXXX they added it on collections on XXXX of XXXX I have asked repeatedly to get this removed
Product: Credit card

I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : YAMAHA MOTOR FINANCE XXXX. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history.
Product: Checking or savings account

I am writing to seek your urgent assistance in resolving a persistent issue with accessing funds in my American Express High-Yield Savings Account. Below, I have detailed the situation, which has caused me significant distress and financial hardship.

Timeline of Events Account Opening and Deposit ( XX/XX/year> ) : I opened a savings account with American Express and deposited approximately {$68000.00}. 
Since then, I have earned monthly interest on the balance. 
Attempt to Withdraw Funds ( 3 Months Ago ) : I urgently needed to withdraw my funds but encountered technical issues. 
I contacted American Express, and they informed me that I needed to notarize my identity using a form they provided. 
First Notarization Attempt : I completed the notarization process with a local legal notary and submitted the documents to American Express. 
American Express rejected the notarization, stating I must use their specified online service, XXXX. 
XXXX Issues : I scheduled a meeting with XXXX, but the session was interrupted due to a disconnection.

When we reconnected, I provided my Social Security Number, but the notary claimed it was incorrect despite my verifying it directly from my official card.

The session could not proceed further, and I was told to reschedule.

Subsequent sessions were missed by XXXX, and when I contacted them, they informed me they would not notarize my documents and had relayed this decision to American Express. 
Continued Efforts : I attempted another local notarization and submitted the documents to American Express. Again, they rejected it, insisting on XXXX. 
XXXX, however, has refused to provide their service, leaving me stuck in a loop with no resolution. 
Escalation Attempts : I have spent countless hours on the phone with American Express representatives, but they repeatedly insist that XXXX is the only option. 
No alternative solution has been offered despite XXXX 's refusal to assist me. 
Current Situation My funds remain inaccessible, and I urgently need them for personal and financial reasons.

No notarization was required when depositing the funds, yet I am now being subjected to a convoluted process to withdraw my own money.

Despite my best efforts, I have been unable to get assistance or clarity from American Express or XXXX. 
Request for Assistance I kindly ask for your help in resolving this matter. I believe the requirements being imposed by American Express are unreasonable and have left me without a viable path to access my funds. I hope you can intervene to ensure the release of my funds and prevent further undue hardship.

Thank you for your time and attention to this matter. Please feel free to contact me if additional information or documentation is required.
Product: Vehicle loan or lease

The interest rate is ridiculous I give XXXX for the car after interest rate it's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX  Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX  Inquired on XX/XX/ ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor did not provided proof to support there descion remove and delete from all three reporting agency company still reporting false information on XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Corelogic are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other information is incorrect. You have an obligation to report account information. You are also required to provide me with a report every year and you have not. There is so much information you could potential have wrong causing me damages.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, Equifax and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

Someone used my real personal information with a synthetic social security number and my actual file was mixed and merged on my Transunion report. Its showing a closed account opened in XX/XX/year> from XXXX XXXX. I never applied or even inquired for credit or financing. I just started building my credit in XX/XX/year>, hence why there should be no closed accounts on my report. I called the company and was verbally told that there is NO ACCOUNT under my actual social security number, but XXXX with my name and address but different social security number. I place XXXX disputes with transunion and nothing is getting resolved.
Product: Bank account or service

My American express XXXX for cash credit card got expired around XXXX 2015 and I updated my contact details accordingly in account. But still did n't receive my new card to perform transactions. On top of it still need to make payments. I keep calling them and almost called them 10 times to send my replacement card and requested to send tracking details. Neither they could deliver nor provided tracking number. But always asked me to call once notification email came from them. So I want to note a complaint and want necessary department take required action.