23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter from Credit Collection Services stating I owed {$120.00} to them on behalf of XXXX XXXX. Soon thereafter, I authorized payment of {$60.00} to be removed directly from my bank account on XX/XX/XXXX and {$60.00} on XX/XX/XXXX via bank draft to be taken directly from my back account for Credit Collection Services. 
Afterwards XXXX kept sending me messages stating I needed to make the payment of {$120.00} again. Therefore, on XX/XX/XXXX i paid {$120.00} directly from my bank account via Bank Debit Card payment to XXXX from my banking account ( see attached receipts and bank statements. 
On XX/XX/XXXX i received a refund of {$120.00} from XXXX. On XX/XX/XXXX I called XXXX and asked them why they sent me a refund. After placing me on hold for about 10 minutes XXXX came back online and stated they sent me a full refund because I already made my payment in full with Credit Collection Services ; However, Credit Collections continue to share negative, inaccurate and false information on my credit report after i made all reasonable attempts to resolve the balance by paying in full. I would like to request for this false, inaccurate and negative information to be removed from my credit report. It is not okay for information to be displayed on my credit report stating i have paid XXXX dollars after i have shown evidence i have paid this account in full. 
I would like to ask What kind of games are you playing with me here XXXX and Credit Collections? I have provided all of my proof of scheduled payment to credit collection services and I have provided additional proof of payment to XXXX and proof of refund from XXXX. As of today I owe XXXX and Credit Collection Services no new debt and I would like it to be displayed on my credit report as of XX/XX/XXXX I paid my account in full and i would like the negative information to be removed completely from my credit file from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX   XXXX XXXX {$760.00}, ( 4 ) XXXX XXXX {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX  {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS. 

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX XXXX XXXX violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

The FCRA provides consumers the right to opt out of prescreened credit card offers, which I did, many years ago. Comenity Capital Bank failed to honor their obligations under the act, and sent me a credit card offer for a XXXX XXXX & XXXX credit card. 

Attached is a copy of the mailing for your inspection. 

Please have Comenity Capital Bank immediately cease and desist from such mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When covid 19 started I contacted XXXX about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His XXXXedit score dropped XXXX points. 

I called XXXX several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with Experian. It came back with no change. 

This is not fair at all. I know the XXXX system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the METHOD OF VERIFICATION multiple times with XXXX, XXXX, Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, XXXX, AND TRANSUNION. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; XXXXXXXX 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 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 ; 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS AND INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED THE ACCOUNTS DONT BELONG TO ME. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER 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 accounts 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 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I opened an account with PayPal in XXXX of XXXX and was getting my unemployment checks directly deposited into my PayPal XXXX account during Covid-19. I was unable to get out and open a regular checking account at the time due to the stay at home order in place in my state. PayPal was recommended to me by my granddaughter. In XXXX of XXXX, I received an email asking for several identity verification measures, which I uploaded immediately. I continued to use my account and have my unemployment benefits deposited into my PayPal account. On XX/XX/XXXX, my account was permanently limited unexpectedly and my funds were frozen. I was struggling to cover my bills due to Covid-19 when PayPal refused to allow me access to my funds. I was informed that after 180 days I would receive an email with instructions on withdrawing my remaining {$1900.00} from the permanently restricted account. I waited 180 days and did not receive the email from PayPal, so I began attempting to contact them. I was never able to speak to anyone that was able to give me any answers or help in any way. I continued to call and message PayPal for help withdrawing my personal funds from a permanently disabled account, but always got the same response that a message was sent to the front office. After months and months of attempting to contact PayPal unsuccessfully, I filed a dispute with the XXXX XXXX XXXX on XX/XX/XXXX. I finally received a response from PayPal, but they still refused to give me access to my personal funds. Their response was that they are not obligated to release my funds and if I have further questions to email the US Secret Service. I emailed the address that was included for the Secret Service, but have yet to receive any correspondence from them. I have also emailed PayPals Office of Executive Escalations at the address attached to the XXXX  claim, but have yet to receive a response from them either. I have made every possible attempt to settle this problem with PayPal, but after over 2 years Paypal is still denying me access to my personal funds. I do not want them to reopen my account, nor would I ever do business with them again. I am only requesting that they allow me to link my XXXX XXXX XXXX account and withdraw my funds from the permanently closed PayPal account. I would accept a paper check sent to my address, if that would be easier for them, but I want my money out of PayPal immediately.
Product: Mortgage

We were quoted a figure of {$430.00} for title charges on the original estimate of costs, and on the final closing cost form, but when the title company contacted us to close the loan, the fee for title charges was {$1400.00}. When we asked about this, we were told that they had quoted the {$430.00} because they expected us to get some sort of credit which they figured out we were not eligible for after they sent us the final closing cost form. So we basically had to come up with an {$1100.00} to close the loan the day before the signing. This feels like a bait and switch, but with the closing happening, we didn't feel we had a choice but to pay it.
Product: Credit reporting or other personal consumer reports

I request that my claim be looked into and that all unauthorized inquiries be taken out of my credit record in accordance with the Fair Credit Reporting Act. Please send me a copy of my credit report as soon as the errors are rectified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been out of work since last year. I fell behind on everything. In XXXX I made XXXX partially payments on my mortgage to Ocwen Loan Servicing paying the largest part of the mortgage for XXXX, XXXX and XXXX. That was all the money I had. I started working again XXXX months ago. The XXXX thing I did was pay the balance of those XXXX months including late fees. I wrote XXXX checks and explained exactly what the checks were for in the memo. Ocwen cashed the XXXX and XXXX checks and returned the XXXX. I get paid weekly and out of each pay check I send a partially mortgage payment. I sent a partially payment for XXXX and from the next weeks pay I sent the balance. I did the same for XXXX. I have just sent payment for XXXX. Ocwen has returned the payments and sent me a delinquent notices stating that I owe from XXXX through XXXX. I keep sending the payments back and they returned them again. If they would keep the payments I would be caught up through XXXX with XXXX next as we are still in XXXX. I do n't know what else to do but keep sending the payments. I can only pay the arrears this way. Once it 's caught up I can pay on time. I am alone, I am a XXXX year old woman and I have no other income and nowhere to go. I need help with this. I do n't understand why thy wo n't accept the payments. I 'm still getting collection calls and the state they want to help with the mortgage. Sending the payments back is not helping. they have also sent my name to XXXX who call and email me with loan offers on a regular basis. I just want to get my bill paid and get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$9300.00}, XXXX XXXX opened XX/XX/XXXX XXXX Balance {$7300.00}, XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$2900.00} XXXX opened XX/XX/XXXX Acct. XXXX Balance {$4200.00} XXXX XXXXXX/XX/XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$2100.00}, XXXX XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$970.00}
Product: Checking or savings account

On Tuesday, XX/XX/year> @ XXXX - I received an SMS notification from XXXX ( WellsFargo ) asking if I recognized a charge of {$4000.00} - which I replied NO too. 
Moments later, after checking my WellsFargo XXXX, I've realized the charge was in " processing '' status. I proceeded to call and start a dispute with said bank, hoping they'd stop the ongoing transaction ( s ).

I was informed that same night, to call back when the charge was finally " posted '' to proceed with a courtesy provisional credit, as this caused my account to go below {$200.00}. 

On the morning of Thursday, XX/XX/XXXX- I was informed by a claim specialist that the claim would take longer for them to review as this is not a small amount- which I agree with. 

However, they refused to issue any provisional credit, even partial. I was informed transaction was used using PIN - which I was not aware of. 

During the time of the transaction - I was with my family in XXXXXXXX XXXX. Transaction seems to take place in XXXX, based on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/XXXX and realized that fifth third bank reported 30 day late on XXXX of XXXX, i checked on my records and its showing i mailed out a check on XX/XX/XXXX and the check was processed on XX/XX/XXXX on my bank records. 

I called fifth third bank on XX/XX/XXXX asking why they reported late on XX/XX/XXXX, and representative named XXXX with id number # XXXX told me that he is seeing my XX/XX/XXXX due date payment was posted on XX/XX/XXXX, and he said that sometimes a payment can get misplaced and reported in the office till its posted, and if on my bank records its showing payment was posted earlier, fifth third bank needs to remove the late from my reports.
Product: Credit card

Recently I verified my credit report an I found a revolving account that Idid not recognize as mine. This company is SYNCB/JC PENNEY . I called the Customer service to claim that credit card but the customer representative told me that the information and the data record did not match and that she did not provide me more information. I request a credit dispute in the credit agencies but the result appear as accurate. I made a police complaint in my country for fraud and theft identity. I do not live in any of the states in the United States.In addition my credit report has other credit inquiries that I never request. So please I need help to resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

I applied for Covid-19 relief plan to defer payments for a total of 6 months. 3 months into the plan, I got partially back to work and stretched to make payments again. 

I was told that the total on a loan modification would be ~ $ XXXX $ XXXXish that would get put at the end of the loan in a non-interest bearing note due at the last payment of the mortgage. 

I got all of the forms back, and the amount due on the loan is DOUBLE. I called to ask what's going on, and they had no information. I was not getting credit for payments that I already paid on. I also now can't see all the information in my account that I used to be able to see, including past payments and such. 

I asked for a supervisor, and was advised no one was around. I was also told there were extra fees being charged. I was NEVER told that.
Product: Credit card or prepaid card

Made payment on XX/XX/2019 to XXXX XXXX, serviced by Synchrony Bank. 

Payment shows as 'Processed ' in Payment History, however not reflect in account balance On phone with Synchrony about their issue and asked them to add XXXX to the call. XXXX agent very helpful and told me he had fielded numerous complaints of this type Screenshot attached as of XXXX XXXX XX/XX/2019