23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I returned and insurance check of {$2000.00} to Wells Fargo as the representative instructioned. It was to reimburse them for a cancelled insurance which was canceled within 5 days. In XX/XX/XXXX my escrow had doubled. I contacted wellsfargo they said they never received the check. XXXX XXXX did an investigation and found the check that had been cashed on XX/XX/XXXX by Wells Fargo. XXXX stated they'd put it towards my principal and the rest towards an escrow as I didn't pay my payments. I have bank records that prove I paid my payment, if they did that why did not the whole amount go towards the principal. My house payment has gone up by XXXX XXXX dollars and I was told by corporate it had been more than 90 days and they couldn't do anything about it. Wellsfargo are the ones that told me to send the check into them. I am having a hard time finding in my documents anything but they applied anything to.
Product: Debt collection

This organization has purchased the debt at issue from XXXX XXXX. 

I have never done any business with XXXX XXXX or Trident Asset Management ( hereinafter TAM ).

I have informed Trident via reply to one of their notifications regarding this debt. I have informed both XXXX  XXXX and TAM that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement. 

Trident claims I opened an account online with XXXX XXXX. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and Trident will not receive one penny towards this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Receivables management systems 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 instructions
Product: Debt collection

In XX/XX/XXXX I financed a XXXX XXXX sienna from a private dealer. A few months into the loan the debt was transferred to Mid Atlantic Financial. I was a month ahead of my payment which means my next payment was not due until XX/XX/XXXX. I contacted Mid Atlantic Financial in XX/XX/XXXX inquiring about payoff, was told total amount was XXXX. XXXX weeks later I called back to obtain wire instructions, at that time I was informed the amount due was increased ti XXXX. I questioned why the increase when a payment wasnt due i was told " because it's a new month ''. I paid the vehicle off on XXXX but have not received a pay off statement nor the title despite calling numerous times.
Product: Credit reporting or other personal consumer reports

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian XXXX for transunion to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness. Also I received a inquiries but never received anythings from the companies so unlawful reporting on my credit without giving the consumer anything in return
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, a debt resolution company was able to negotiate a debt repayment to the following company : XXXX XXXX XXXX For XXXX XXXXXXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For Truist Bank ( BB & T ) : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Truist Bank/BB & T was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, registered under the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to request that you re-investigate my case and restore my account if possible. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. I have always used my account for legitimate transactions, and I have always complied with PayPal 's terms and conditions. Therefore, I am very concerned about the limitation that has been placed on my account. 

I believe that there may have been a misunderstanding or mistake in the review process, and I would like to request that you take a closer look at my account history and transaction records. I am confident that this will demonstrate my compliance with PayPal 's policies and show that the limitation was not justified. 

I understand that PayPal has a responsibility to protect its customers and prevent fraud, but I urge you to carefully consider my case and recognize that I have not violated any policies. I kindly request that you re-evaluate my account and lift the limitation as soon as possible. 

Thank you for your attention to this matter. I hope to receive a positive resolution from PayPal soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX**** account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX
Product: Credit card or prepaid card

My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement. 

My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest. 

I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date. 

For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score. 

Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest. 

In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Carmax auto Finance # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

If you wont delete the XXXX late payments I want the trade line to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00}.
Product: Debt collection

I received notification that RECEIVABLES PERFORMANC had a collection account from XXXX on XX/XX/XXXX in the amount of {$780.00}, on my credit report. I had not received any notification by mail or phone. 

Previously, XXXX said we owed them {$1100.00}, and had filed with the collection agency XXXX. We paid {$1100.00} to XXXX on XX/XX/XXXX in order to close the account with aXX/XX/XXXX balance with XXXX. 

On XX/XX/XXXX, I contacted RECEIVABLES, but they would not look into the matter. I then contactedXX/XX/XXXX who said that we had paid the amount owed to XXXX, and that the account should have been closed out by XXXX. XX/XX/XXXX said they would contact XXXX, and send me further notification that indeed the account had been closed. I have verification of this transaction with XXXX. 

So far, I have not been able to get anyone at XXXX to help me get this resolved.
Product: Debt collection

denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a payment to a 'marketplace ' consumer of {$300.00} through Chase bank 's XXXX XXXX I trusted that Chase would protect my purchases or payments so i used Chase 's payment program. Once I made a payment, it was pending but did not go through immediately. On the same day, my product was not delivered so I realized it was a scam. I called Chase the same day to halt or stop the pending payment, but they could not do so. Once it went through a few days later, I called Chase again to speak with a supervisor only to find out I can not be reimbursed. I asked if they can do a one-time waiver knowing I won't do that ever again. From my experience, all other peer to peer transactions from XXXX, XXXXXXXX XXXX XXXX have protections and many of their customer rights are protected by the Regulation E law, but not XXXX. It is unfortunate I was a victim of both parties, not knowing that Chase XXXX will not reimburse or protect their customers. 

It was until after the phone calls and my reimbursement can not be accepted, I had to research why. I have found out about the issues many customers have with XXXX and that I was now one of them.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

BANKCRUPTCY - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX )
Product: Credit card or prepaid card

I filed a dispute when an unauthorized charge showed up on my XX/XX/2018, Bank of America online account. I called customer service to dispute the transaction of {$190.00} from a Movie service provider, XXXX, on XX/XX/2018. I got a letter dated XX/XX/2018 from BOA stating that they had received my dispute claim and gave me a temporary credit for the transaction. On XX/XX/2018, I got a letter from BOA stating that they had received information from XXXX that seemed to justify the charge. They told me to mail all the details of the disputed transaction or they would close the case in the merchants favor on XX/XX/2018. I called BOA customer service and she said unless I could get my reasons for disputing the transaction, that day, to a BOA office, the dispute would be considered closed. There are no Bank of America offices in the metropolitan XXXX area. I finished the form letter they sent me and mailed it back. The only thing BOA has responded with is the same denial of the dispute in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of our home refinance, we received information from XXXX XXXX that XXXX XXXX had reported an outstanding balance on our account of $ XXXX report appears on my Equifax Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with XXXX Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from XXXX showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at XXXX mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from XXXX to my repeated inquires. 
In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by XXXX that is not a current obligation and should be removed
Product: Credit reporting

I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/year> I was scammed of the amount {$7000.00} by a man named XXXX XXXX who claimed he was a Cash App agent to help me with my account transactions. He had me download an app called XXXX XXXX XXXX which broadcasted him to my phone. He told me something was going wrong with my cash app card and I would have to send my money to a different cash app card to get unlimited transactions but he really had me send my money to his card without my knowledge and it said it sent to XXXX XXXX. I asked him to return my money to the original card and he acted confused that he wasn't able to send it back. So I would like to report fraud and have my money returned to me. The number he posted on the website I called was ( XXXX ) XXXX. And the card he had me send the money to ends in XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my XXXX XXXX and causing unnecessary stress.
Product: Debt collection

I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt.
Product: Credit reporting or other personal consumer reports

DEAR SELF LENDER ; CREDIT BUREAU ; XXXX XXXX XXXX XXXX XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for SELF FINANCIAL/LEAD XXXX  ACCT # XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me.

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by TRANSUNION. I'm looking for an fair and equitable solution to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.