23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal account. Every time I use my pay pal I make sure that I have enough money in my prepared payment. But couldnt understand what PayPal went into an account that wasnt a prepared payment. But they should of been any others fees as they collect the fee at the time purchase. They went into my account charging me from {$.00} to {$1.00} adding up my bank overdraft and return item fee to {$3000.00} plus dollars. I have paid into my over draft fee of {$800.00} and my bank was only willing to remove {$600.00} plus. And still owe my bank about {$1800.00} worth of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all XXXX consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * Experian * XXXX both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXXXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.
Product: Credit reporting or other personal consumer reports

I am known victim of identity theft. I have already reported this to the credit bureaus, the authorities and the creditors themselves. It has been almost a year now and the bureaus have really done nothing at all. They just ignore my correspondence and i know I did the process right, They are breaking the law and violating my rights. I really, really need help with this. It is ridiculous. They can't just ignore me when I do the whole process the right way.
Product: Credit reporting or other personal consumer reports

fraudulent accounts on credit report was told that items were removed $ XXXX XXXX {$23000.00}, XXXX XXXX {$60000.00} AND XXXXXXXX XXXX XXXX. Please block or remove accounts.
Product: Debt collection

I received an attempt for collections from portfolio recovery associates , LLC. Attempting to collect {$340.00} from account number XXXX date stated owed is as of XX/XX/year>. This account number is nowhere to be found on my credit reports and is over XXXX XXXX XXXX past the statute of limitations for collections. I do not know where this is coming from nor do I acknowledge it is mine. I do not want this company to contact me in any way. I am a XXXX resident and I understand my rights.
Product: Debt collection

On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is Michael J. Adams PC. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that Michael J. Adams placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the Michael J. Adams office is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called XXXX recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact Michael J. Adams. On XX/XX/XXXX I found a local number for Michael J. Adams and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. Michael J. Adams took XXXX cents from my accounts. Once account has military retirement funds and the other account has a HRSA grant directly deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them from my file right away : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ), the financial institution ( s ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. Experian deleted two ( 2 ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. Experian is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from Experian and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from Experian, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.
Product: Credit card or prepaid card

On first trimester 2021, Paypal Credit closed my account, after many years of use.I called for reason to close my account..They said I had an unpaid balance of less than {$10.00}. I had a direct payment setup from XXXX XXXXXXXX XXXX for monthly payments. They said XXXX XXXX XXXXXXXX rejected monthly bills and they had a confusion about which one of my accounts at XXXX was setup for monthly payments. At that moment, I had a positive balance in ALL my XXXX XXXX XXXXXXXX accounts. so i did not understand this reason and explained to Paypal Credit that at least in goodwill, they should have given me a call BEFORE closing the account. This is a bank to bank situation which negatively impacted me, the customer. Also, at that moment, my Paypal account had positive balance but they said Credit and regular Paypal accounts are handled by separate banks. This practice is very confusing - since they use the same name PAYPAL and use the same webpage.

To resolve situation, in good faith, I offered to pay immediately the less than {$10.00} balance in order to maintain open my Paypal credit account older than 7 years.

Rep was unprofessional. I asked for a supervisor, explained all of the above again.

Supervisor did not offer any option. I said I wanted to act in goodwill, make immediate payment over phone, and keep Paypal Credit account, and that due to bank to bank confusion and Paypal Credit not giving me a call, I deserved a reinstatement of the account. Supervisor said that account was closed and there was NO way to reinstate or make active ever again ; that I would have to apply for a NEW account.

Paypal Credit is not acting in customer gooodwill penalizing a long time customer with a good payment history in more than 7 years, over a mishandling of AVAILABLE funds between 2 institutions that is totally out of customer control.

Will appreciate if you please review Paypal Credit account closing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I tried to contact XXXX, Transunion and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Product: Credit reporting or other personal consumer reports

Over the last 60 days I have made extra efforts to pay down my balances as I was told by the credit bureaus, Transunion and XXXX, that this would improve my credit rating as it would lower my utilization. I made these efforts because I am in process of looking for a home and my career path also wants to see good credit standing. After making these efforts even though I get notifications my balances are being paid down my credit score plummeted by XXXX points which is drastically impacting my steps to improve my life and the bureaus have no answer as to why. They all agree that it is a considerable change but they dont provide any reason as to why its happening and even after filing a complaint with them I received no contact back or follow up in regard to this issue. It is very important that these issues be resolved as soon as possible because this is having a considerable negative impact on my career advancement and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Investors Servicing Corporation is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. May First  Investors Servicing Corporation provide statements to the consumer reporting agencies and myself showing the corrected mailing address?
Product: Credit card or prepaid card

CAPITAL ONE IS IN DISHONOR! PLEASE SEE ATTACHMENT
Product: Checking or savings account

I've had a credit card with Citibank for years. In XXXX, I opened a checking account. In XXXX, I decided to close the checking account, and move my money into CDs ( also with Citi ). 

Now, many months after closing my checking account, Citi has revoked my online access to my accounts ( credit card, CDs ), unless I activate the debit card to an account that no longer exists. Because, they say, that debit card is expired (? ). 

When I again explained that the checking account is no longer open, they told me the only way I can regain access to see my credit card and CDs would be if I opened another checking account. 

They're so siloed, and I'm not getting help accessing my accounts. This is worrying, since almost all my funds are in those CDs.
Product: Prepaid card

I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING COMPANEY BELOW IS FAKING THE OPENING DATES OF THE FOLLOWING ACCOUNTS BELOW AS WELL THEY HAVE NO BUSINESS LICENSE TO OPERATE AND CONDUCT BUSNISSE IN THE STATE OF CALIFORNIA. AND THE 3 CREDIT BUREAU ARE KEEP SAYING THEY VERIFIY THESE ACCOUNTS. ITS NOT TRUE THE 3 BUREAU IS LYING. THEY NEVER SEND ME ANY PROOF OF ANYTHINGS ONLY SAYING OH WE VERIFIY. LIE LIE LIE 1 ) XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 2 ) XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 3 ) XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 4 ) XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 15 U.S.C 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681 c. ( a ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WGICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card

I am writing to express my dissatisfaction with the recent closure of my credit card accounts. I had accumulated over {$3800.00} in rewards points on one account and nearly {$1000.00} on another. When I contacted your customer service department to inquire about the closure, I was informed that I would not be reimbursed for my rewards points. 

I am deeply disappointed by this decision. I earned these rewards points through my own spending and by following your terms and conditions. I feel that I have been robbed of my hard-earned money. 

I understand that your policy is to not reimburse rewards points when accounts are closed. However, I believe that this policy is unfair and unjust. I am a loyal customer of Bank of America, and I have never had any problems with my accounts in the past. 

I am requesting that you reconsider your decision and reimburse me for my rewards points. I believe that this is the fair and just thing to do. 

Thank you for your time and consideration.
Product: Debt collection

I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is telling XXXX the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. Chase is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of XXXX and then says I was 60 days late in XXXX. How did Chase close my account on 2 separate days? How can I make payment 3 straight months and then the following month be 60 days late?
Product: Debt collection

I just turned XXXX last month.In an effort to and monitor my credit and protect it. I have been subjected to apparent ID Theft. I have contacted each collection who tries to collect this particular account with XXXX XXXX XXXX and each time the item is removed and then placed on my credit by another collection Co. Because XXXX XXXX XXXX is passing the collection on to various collection agencies. My plans are two file suit immediately. My personal information is being sold and passed along to various companies making the risk even greater for my ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mad a reservation for the XXXX XXXX XXXX XXXX. The reservation was made in advance and posted to my JPMCB card on XX/XX/XXXX for {$830.00} for a 3 day weekend in XXXX ( XXXX / XX/XX/XXXX ). However, when I arrived my prepaid accommodations were not available. Hotel was sold out. Room shown was unacceptable and I have pictures. We needed to find accommodations in another City as XXXX NJ was sold out being Peak season in XXXX. I booked another hotel with the help of XXXX an hour away in XXXX XXXX. On the way to XXXX XXXX I stopped for gas and used my JPMCB credit card for the gas purchase. I further paid for the new hotel accommodations at XXXX in XXXX XXXX on my JPMCB card. However, JPMCB would not relieve me of my obligation to a hotel that I did not stay at and has caused damage to my credit account instead of taking this matter to an arbitrator where I could prove that my family was in XXXX XXXX not XXXX. 
I am seeking to have this delinquent charge placed incorrectly by JPMCB expunged from my credit report. I have documents to support my case and have attempted unsuccessfully to resolve this matter this Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..