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

I have made this same complaint regarding XXXX. XXXX keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it. 

My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report. 

I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XX/XX/XXXX, it should still be reporting on my credit report. 

Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX. 

My XXXX account limit is {$6300.00}, the limit needs to be updated. 

Again the two collection accounts with Eastern Account System do not belong to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX/DOFED Account Number : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.
Product: Debt collection

America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX dont have bank account this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Bank account or service

Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience.
Product: Student loan

During the pandemic I applied for a PAYE IDR plan with the Department of Education and was approved on XX/XX/XXXX for payments of {$510.00} with my previous servicer, XXXX XXXX. I applied for this in order to apply for PSLF, for which I was approved and moved to MOHELA. However, now that payments are resuming, MOHELA has adjusted my payment to {$1500.00} as if I was never on a repayment plan and when contacted they tell me they dont have any information about a previous IDR plan from the transfer from XXXX XXXXXXXX and I need to apply for an IDR to get a different payment. However, this cant be possible because I could not even apply for PSLF without first being on an IDR. Thus, I need MOHELA to correct my payment amount to the amount of {$510.00} until I need to recertify in XXXX.
Product: Debt collection

I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL XXXX.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and notice that XXXX XXXX has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports. XXXX XXXX should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.
Product: Credit card or prepaid card

Back in XXXX of 2021 I received a letter from XXXX stating my personal information had been compromised and they would provide me free 2 yr identity protection. During the process of signing up for the protection I discovered that 2 accounts had been opened using my personal information. When I reached out to one of the issuers being Wells Fargo they informed me that a full investigation would be completed, and a " detail '' report would be provided to me at the end of their investigation. I never received any documents regarding the case and how the credit card was opened and when I went into the bank branch was to there was nothing fraudulently found and was informed that my credit card was closed, and they issued the perpetrator of my stolen identity a new card in their name. I was clear with Wells Fargo that I needed the report in order to prosecute the criminals who stole my personal information. 
The other credit card company will be filed in a separate complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

We have been trying to modify/refinanc my mothers mortgage. Wells Fargo keeps turning us down. We had previously filed a complaint Wells Fargo acted like they wanted to work with us then proceeded to act the same way
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$960.00} FCO ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$5900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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, credit repair services, or other personal consumer reports

I'm just coming home from being incarcerated for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one of the people whXXXX XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to 1St  but still have not removed.
Product: Credit card or prepaid card

I am submitting this complaint on bank of america. I had an account with them back in 2011. I had paid this bill in full years ago. To my surprise upon veiwing my credit reports I noticed that this account was reporting as a charge off. I immediately started looking into this. I made numerous phone calls ... ..sent in a identity theft report etc. Today I spoke with a rep from bank of america and we went over all the transactions that were done from years ago. I explained that I did not do these charges nor cash withdrawls and I should not be held responsible for this. The rep went through everything and said she will not mark this as a fraudulant account because payments were being made on the card during these fraudulant charges. I explained that at the time I lived in a house where I rented the downstairs apartment and other people rented the upstairs but we all shared 1 mailbox. I would like to note that I did fill out a police report at the police station when I first noticed that my bank account had been hacked into along with another credit card that I no longer have. ( XXXX  XXXX  XXXX ). I also have noted on my credit reports from years ago that I was a victim of identity theft. I am submitting this complaint because I am being held liable for charges that I did not do. This is affecting my credit along with my credit worthiness. To my knowledge from legal advise I was told I can request to have this account hidden from creditors on my credit reports until the situation is rectified. I am being sent copies of all the transactions. I have already comtacted the police department over in XXXX ny to request a foil copy of the police report that I made back years ago when this happened. Bank of america is holding me liable for a debt that I did not incurr.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and TXXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my student loan accounts in addition to erroneous late payments on my XXXX XXXX car account. I submitted proof of the payments made via XXXX XXXX  for my XXXX XXXX XXXX  account, and cited the fact that I can not accrue interest while in XXXX  for my XXXX  loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my military star card and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my XXXX  loans they only updated the balance to show the amount without accruing interest until XX/XX/2024, still allowing the balance owed to be incorrect.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe this decision was made in error and I would like to appeal the restriction imposed on my account. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always conducted my transactions in accordance with the guidelines outlined by PayPal. Therefore, I am confused and disappointed by the sudden limitation imposed on my account. 

I kindly request PayPal to re-investigate my case thoroughly. I believe there has been a mistake or misunderstanding that has led to this limitation. I am confident that a closer examination of my account activity will reveal that there are no grounds for this permanent limitation. 

I understand the importance of upholding the integrity of PayPal 's platform, and I fully support efforts to maintain a secure and trustworthy environment for all users. However, I firmly believe that in my case, an unjust limitation has been placed on my account. I kindly request PayPal to review the evidence and reconsider their decision. 

Please take into consideration that my PayPal account is an essential tool for my online financial transactions, and the permanent limitation has greatly disrupted my ability to conduct business effectively. Therefore, I kindly request PayPal to expedite the re-evaluation of my case and, if possible, restore my account to its normal functioning. 

For further correspondence, please reach me at XXXX. I sincerely hope that PayPal will carefully re-evaluate my case and take the necessary steps to rectify this situation promptly.
Product: Debt collection

Midland Credit Management has been attempting to collect and threaten to sue for a debt not belonging to them, not only do they not have a valid contract verifying the debt belongs to be but they also do not have a license to practice to collect debt in my state. They are reporting inaccuracies to my credit report which is hurting my score terribly. 
Emails began as early as XX/XX/XXXX, I have submitted several disputes to credit bureau as well as a debt validation letter to collector between XX/XX/XXXX and present. There are several inaccuracies reporting to my credit report. 
The amount they are requesting is for {$1500.00} The last letter was mailed XX/XX/XXXX
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are erroneously reported as such.
Product: Student loan

Finance company is unwilling to work with me in reducing payments to something that is actually reasonable.
Product: Debt collection

I found fraudulent accounts on my credit report that are affecting my credit.
Product: Debt collection

XXXX XXXX XXXX did not follow the new law that offers discount health services. At the time of my hospital stay i was covered under new mexico medicaid. I wasnt asked if i had health coverage at all. I wasnt able to qualify for colorado medicaid at that time because my new mexico medicaid coverage was still active and no body told me that i could have the bills from hospital paid by new mexico medicaid and when i finally was abe to get colorado medicaid the case worker wouldnt back date the medical bills to be paid in colorado medicaid. so i feel like this is very, very large debt that is beyond my ability to pay off and i feel like if i was covered on medicaid it should have been paid. I was very XXXX XXXX XXXX for several months and really didnt have any idea i was expected to pay this debt and the lack of help is upseting. so now not only do i owe {$12000.00} from XX/XX/2021 i also have {$2300.00} from XX/XX/2021 that was sent to Professional finance company, inc to collect the debt from me. There are several more debts ive been trying t pay to another collection agency from this same time frame. I feel either new mexico or colorado medicaid rightfully should pay this. thank u
Product: Credit card or prepaid card

XXXX we joined Discover, have been congratulated and thanked for longevity over the past XXXX  years. Credit limit has been increased. 
In XX/XX/XXXX I called to have payments put on automatic withdrawal from my checking account. I answered all questions factually ; yet was told my social security number does not match what they have. The original application was paper and apparently they can not locate it. 
My number has not changed! Discover stated they can not complete the automatic withdrawal. However, they did on XXXX XXXX with another scheduled for XXXX XXXX. 
They wanted me to have a notary certify my social security number, notaries only certify signatures. 
In XX/XX/XXXX, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit. 
I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including " credit bust out team '' " identity protection '' and " verification department ''. 
I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. 
All they have to do, after XXXX  years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with. 
Now they have taken my rewards with the current statement showing {$0.00} when as of XX/XX/XXXX we had {$350.00}. 
This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong.
Product: Credit card

I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.