23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My first step was to check the website/app and I found " Close account '' on the mobile app and on the web, however I was directed to a page that required closing PayPal Credit before closing Paypal. When I selected that link, it took me to a page with a Customer service phone number. I had to manually enter the phone because the link with " Call '' did not work. When I called the number on my cell phone, it was an automated system that required some identity information and finally put me into a queue for Paypal Credit. I had to go through the second repetition of giving the same information and I was placed on hold to speak to a representative. The representative I spoke with stated she would close Paypal Credit because I had no balance nor pending transactions but I would have to wait XXXX days and then call back to see if the account was closed and then I could repeat the same actions with Paypal to close that account. Three days later, I went back through the process above and I was told by a representative that Paypal Credit was not closed and she had no explanation. She was not very helpful so I went back to the mobile app and chatted with a virtual assistant who said the Paypal Credit had been closed, but when I tried to close Paypal I was denied again indicating that I needed to speak with a representative. This same scenario was repeated over that day and the following two days. The virtual assistant stated on a second day that the account was closed, but now some of the human assistants said it was closed and some said it was not. They gave me a phone number to XXXXXXXX XXXX, stating they would have to close it, but that failed because it was not the bank 's phone number but Paypal credit once again. They transferred me to Paypal on one phone call but they stated that they checked and Paypal Credit had still not been closed. The last person I spoke with at Paypal Credit stated she would try to do it herself and then close Paypal but I would just have to wait another XXXX hours and check back. I got the impression that Paypal does not wish to close accounts and created steps that prevent closure and leave the customer with only two solutions, one being give up and the other is to file a complaint. I have spent four business days attempting to do everything required with no success.
Product: Mortgage

Nationstar Mortgage LLC purchased insurance for me without telling me in XX/XX/2019. The insurance is extremely expensive. They sent me a letter 6 months after it's been active. Now my escrow payment almost doubled. This is a huge problem.
Product: Debt collection

On my credit report is an account that is XXXX XXXX XXXX, as well as paid in 2012. I have disputed this account several times it will be removed for a while, then it is re inserted and re dated. I have disputed it with the credit bureaus and they call it a valid debt. I do n't understand how the bureaus validated that information, when I have written and called the address and phone number provided on my credit report and the number is disconnected or no longer in service. Trans World System # XXXX XXXX XXXX, DE XXXX is reporting a {$280.00} debt on behalf of XXXX XXXX. The account is XXXX XXXX XXXX well past the statue of limitation and reporting time limits according to the fair credit reporting act. XXXX XXXX services all of Texas and will not provide service to you with a outstanding bill. In XXXX of 2012 the outstanding bill was paid. Since 2012 I have been trying to keep this inaccurate collection account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. Credit Acceptance Co out of Michigan has the propensity to berate under served customers and communities per the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

factor trust has refused to remove accounts from my report that are not mine they even have a different ssn number attached to it the accounts that are reporting i have never had account with XXXX XXXX XXXX XXXX my ssn number dose not end in XXXX it ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX Equifax The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Checking or savings account

I transferred my money to an external bank ( bringing my balance to {$0.00} ) and then used the online message center to request that my checking account be closed on XX/XX/XXXX. I received a pop-up after submitting stating : " Thank you for your message. We will make every effort to respond within 2 days ''. A week later on XX/XX/XXXX, I received a message stating : " Thank you for contacting Citizens Bank via email. We apologize for the delay in responding. If you have not completed your request using another method please respond to us and we will work to assist your needs ''. On XX/XX/XXXX, I responded to the message once again asking for my checking account to be closed. As expected, I received the same pop-up about a response within 2 days. Three weeks have now gone by since my most recent message on XX/XX/XXXX without a single response from the bank. Then on XX/XX/XXXX, I received a $ XXXX monthly charge for the account, bringing the balance below {$0.00} to - {$24.00}. Had the bank simply responded within the two days either time and closed the account then I would not have been charged this {$25.00} fee ( and still be waiting for a response and the closure of a bank account over a month after my initial request on XX/XX/XXXX ).
Product: Debt collection

A XXXX residential utility account # XXXX was fraudulently opened in my name some time around XXXX. 

I dd not sign up for this account, have never paid on this account, and was unaware of this account. 

I received a bill at my home address in New Jersey dated XX/XX/21 from XXXX stating I owed {$480.00}. Repeated attempts to resolve the issue with XXXX were unsuccessful ; REF # XXXX. 

I was given a supervisors number to assist me in resolving the issue as they confirmed they could not verify the account was opened by me not have I even paid on the account and I live in a state where XXXX does not operate. I was given a Supervisors phone number XXXX. The call was never returned and the matter was sold to a collections agency LJ Ross XXXX Acct # XXXX. 

LJ Ross informed me they would hold off on submitting the debt as in collections status until they could investigate the identity fraud claims made ads I was bale to provide evidence that the debt was not mine. Despite providing all requested information and sending a letter asking for verifiable documents substantiating the account as outlined by the Fair Credit Reporting Act. 

This account is now reported as collections status on my credit reports and is having an adverse affect on my credit score. Up to this point I have had an excellent credit rating. 
I have made every effort possible to substantiate that this is a clear and obvious example of identity theft. 

I need assistance to resolve this matter and have this removed form my credit rdeports.
Product: Debt collection

I have asked the company to provide information on where this debt originated, they sent me a folded up copy of dental bills. I then contacted them to setup payment options. I was told it had to be paid in full, there are no settlement options. I also requested information on deletion of account from credit profile. They related they will not delete this from the credit profile unless a certfied check is paid or wire transfer. They also refused to provide this information in writing and stated that credit card or debit payment would not delete it from the credit profile. They refused to provide that in writing as well. I feel they are utilizing coercion to have a preferred payment method with this treatment. I have also received numerous calls from this company. I have tried to resolve this but have been advised that my options are limited. Account numbers that were provided to me XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

My checking account was closed without my, or the joint account holders, authorization.I Discovered that my account was closed on XX/XX/XXXX, after checking the status of a direct deposit that was supposed to be sent to my account that day. Called the bank on Saturday, XX/XX/XXXX, and the representative could not find information regarding why my account was closed and that the account was closed on XX/XX/XXXX. The representative stated that she would send a request to another department and would touch base with the following week. After not hearing from her, I called on XX/XX/XXXX, and spoke with XXXX and she sent a information request to my Local Bank Branch. She told me to call back on Thursday, if I had not heard from her by the following Wednesday. Called on XX/XX/XXXX and spoke with XXXX. He stated, after digging into my bank file, that the account was closed, due to the account being at a {$0.00} balance for 20 days. He stated that this was in the terms when I opened the account in XXXX. However, the bank had merged and changed names after opening the account and I was not aware of these new terms. Previously, I have had a {$0.00} balance for over 30 days in the past and was puzzled as to why this time it changed. I was neither notified nor given a notice that the account would be closed. I had other banks give me notices and I complied with them, but this bank does not have such a system. On another note, after this bank merged, I had other issues dealing with this bank. A major one being that they drained my savings account, due to maintenance fees that I wasn't aware of, and closed the account after depleting the balance to zero. I have been a customer of this bank and its predecessors for over 20 years and I will not be a future customer of this bank, nor do I recommend this bank to other consumers.
Product: Credit card or prepaid card

On XXXX XXXX an application for a Capital One Venture card was applied for and denied. Amount requested is unknown. 

On XX/XX/XXXX I submitted a temporary fraud alert with all three credit report agencies and froze my account so my credit won't be able to be pulled. On XX/XX/XXXX I called the FBI to report it per my lawyer 's advise. The FBI told me to submit this report and go file a police report which I will be doing by XX/XX/XXXX. 

All information provided was current information that not many people have besides my lawyer, work and my ex who I've been in a ugly custody battle for the 2.5 years whom recently lost a domestic violence case. He's done something similar and used my personal information to sign me up to be an escort on a site. I caught him and confronted him about it but he acted like he didn't do it even with proof. He has an ongoing investigation case that my lawyer suspects him as well for stalking and duplicating his XXXX account to make him look bad and obtain personal information on him. I'll provide more information upon request. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( 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 which 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

For over 3 months weve been going through the process of refinancing a rental condo with Chase bank. After providing them with everything and even having an email from them that everything was approved, the suddenly denied the loan stating that the income to debt ratio did not meet their requirements. They had this information from the very beginning. It seems like the only reason they didnt approve the loan is they didnt want to honor the lower adjusted rate offered with the condition that I transfer money to their bank, which I did. I have an email from them stating everything is cleared and all that needs to be done is for them to make the rate adjustments, and then suddenly they came up with this lame excuse about information they had from day one and had still approved the loan. What they did to me and my sister should be illegal. We went through so much stress and XXXX and provided everything they asked for and only because they didnt want to honor the rates originally offered, they dropped the ball last second.
Product: Checking or savings account

XXXX XX/XX/2023 : Opened account with XXXX XXXX ( FDIC XXXX # XXXX ) XXXX XX/XX/2023 : Transferred {$8500.00} and set up an allotment for my military pension into the account. 

Sometime between XXXX XX/XX/2023 : I attempted to log in to my account and found it was locked. I contacted the customer service number provided ; the representative told me that " it is routine to lock accounts whenever a transfer is made, because it is online banking '' ( paraphrased ). This sounded questionable but I was unable to press the issue and waited the requested amount of time. 

XXXX XXXX - present : I am still unable to access my account. I have contacted customer service at least 5 times and no one is able to provide an answer on when I will be able to access my money. 

XXXX XX/XX/2023 : I received a letter stating that since I have not logged in to my account, the bank will switch me to paper statements AND CHARGE ME FOR THEM.
Product: Debt collection

InXX/XX/XXXX i received notice through my XXXX  app tht my credit score was decreased XXXX points due to a collection and i was furious.i looked at my app and it said ther was a collection from dynamic solutions and i called them to verify the debt and they could not. they said they could not find me in their system on a recorded line. i then said so its safe to say you guys dont have me in there because thats not my debt and the information is incorrect and they said yes. So i called XXXX and disputed it. ALSO NOONE EVER CALLED ME TO TELL ME I HAD A SUPPOSED DEBT OR SEND ME A LETTER ABOUT IT OR TELL ME HOW TO GET RID OF IT EXCEPT THAT THEY WILL HANDLE IT.
Product: Credit reporting

One of my credit card accounts has shown up on my son 's credit report. It also shows up on my credit report. Our names are the same except for the suffix. It can affect both of our credit reports. I would like to have my credit card report removed from his report. This is mistake on someones part and needs to be corrected. I can not understand how this can happen when there is a definite difference in names and SS numbers.
Product: Debt collection

There is a fraudulent debt that was sent to collections and remains on my XXXX credit report. The fraudulent debt is owed to XXXX for {$850.00} posted XXXX XXXX by CCS Collections. I contacted XXXX the debt was for service on an address in Texas, I have never lived in Texas or know anyone in Texas! I filled out all forms and XXXX removed the derogetory mark from my XXXX  report, now a year later the Collections notice is still current on my XXXX   report.
Product: Credit card

Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.
Product: Money transfer, virtual currency, or money service

Account was closed, tried to call and ask and I was told they couldn't tell me anything and to use something else that they can't help me with no explanation or a solution. They never told me that they closed my account and when I tried to pay my rent and my car It just showed that my number wasn't linked and I had to call and get transferred to multiple departments just for them to tell me to use something else.
Product: Credit reporting or other personal consumer reports

I called to make a payment on my Wells Fargo account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX  account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called Wells Fargo on XX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra six to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees.

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due.

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Product: Credit reporting or other personal consumer reports

As a victim of Identity Theft, I notified Experian via Certified Mail of specific accounts and inquiries as a result of Fraud and Fraudulent Activity and requested reporting be blocked or removed under FCRA 605B. I provided an FTC Identity Theft Report, Police Report, Identity Theft Affidavit, and Proof of my address which included utility bill for past and present address and proof of my identity with a copy of my identification. I received an email from Experian requesting the same information that was previously provided to Experian via Certified Mail on XX/XX/year> picked up by an individual. I also submitted multiple documents via Experian Uploads which confirmed that they were successfully delivered to Experian. However, upon finally being able to speak to XXXX from Experian, he claimed to not have the information which I don't understand how that could be as the documents were delivered and received Certified Mail as well as Experian Uploads successfully. Upon receipt of these items, Experian has failed to comply with notice of Identity Theft and Block. I am also frustrated with the experience that I receive from Experian and poor customer service as they assigned my file to their Consumer Affairs Department which is not helpful as it is a small department via the agent over the phone when she advised that there was no one who could assist me during business hours while XXXX was unavailable. Somehow Experian was able to selectively address the fraudulent inquiries and XXXX  XXXX account with the Affidavit and FTC reports that they say that they don't have but have not addressed the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX ( Both Accounts ). I have attached the information to this complaint and the required information has been submitted to Experian via USPS Certified Mail as well as online via Experian Uploads yet Experian claims to have not received the information. I provided the report pdf as given to me from the FTC directly from their website with the report number and date and same for the report to XXXX Police Department.