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

Please remove XXXX XXXX XXXX of out of dispute status immediately. I am not disputing XXXX at this time.
Product: Credit card or prepaid card

I cancelled a subscription with XXXX which was being charged monthly to my American Express card. XXXX sent me a cancellation email stating I would no longer be charged after XX/XX/. However XXXX continued to charge my American Express card. After six months of charges I contacted American Express and requested a refund. American Express is unwilling to reverse these charges.
Product: Money transfer, virtual currency, or money service

i currently reside in XXXX XXXX and i have a XXXX 's paypal account that i created when i was working in the XXXX. I have been using that account for withdrawals and that account is also my primary source of income as i have lost my job due to covid and im forced to make ends meet using online businesses. i have been using the account without an issue for a 2 months and suddenly when i have received a huge sale, i tried to transfer the money to my account and paypal has restricted the account and i cant use it for 180 days. i also do want to say that i have currently shifted my place of residence in XXXX and used a new pc to log on to my account i suspect that this could also have a hand in restricting my account. I have really done no mistakes that could have occurred to this issue so i you could please look over my case i would greatly appreciate it. Also i have sold a few products on XXXX XXXXnd sent the receipts to paypal but they didnt seem to acknowledge them and i do have a few customers that are requesting a refund but i am unable to refund them of their money because of this issue. My Paypal email is XXXX and it is also my personal email so feel free to reach me there.
Product: Credit reporting

I have unauthorized inquiries on my Transunion Credit Report. The unauthorized inquiries are from XXXX Delaware, Certified Credit reporting, XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Debt collection

I Have made multiple attempts to have this account taken off my report their is a Breach JJ Marshall sent me a letter that violated Hippa Law The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX
Product: Mortgage

We worked for months with cascade to get to closing. They used a bpo and undervalued the land i owned outright and then right before closing, they said we didn't qualify and declined the application. The second business day after declining us we were informed they had " changes to their tiers '' and we could move forward. Then we learned the day we got our closing disclosures that our rate went up a whole point and changed our monthly payments. We had a contract with the dealer and the home we ordered was ready so we felt we had no other option. I gifted my husband a specific dollar amount in property I just inherited 's equity for the down on the home. It was supposed to be the amount I gifted him that was used but they are trying to foreclose the whole thing. They have somehow eliminated my parents in the chain of title and the property description is not accurate and doesn't match my original deed. The county records for tax payments on the other home on the property show that cascade paid the taxes. They didn't and I have proof of my step dad paying it because that house is still in his name. We were unable to make payments due to loss of my job during the corona virus. We tried talking to them and filled out a loss mit application immediately after missing the first payment which they confirmed they received and would be in contact within 30 days. We have heard nothing about the app since then. I just received a letter dated XX/XX/XXXX to inform us that the property will be foreclosed and sold XX/XX/XXXX. The letter was mailed XX/XX/XXXX according to the envelopes. So they waited until the last minute so we couldn't do anything to stop it. There are multiple issues that are suspicious to us and we need some help before I lose the land where I grew up even tho it isn't even all mine to lose.
Product: Credit reporting

There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.
Product: Credit card or prepaid card

This letter is in regards to my mother, who is a former Capital One credit card holder. She has give me power of attorney so I am authorized me to act on her behalf. 

On XX/XX/XXXX, she called Capital One to pay off her balance and close her account. She was told she had to pay a {$21.00} fee to close the account, and she did so, paying a total of {$1100.00} over the phone. 

She received a transaction statement for the period from XX/XX/XXXX to XX/XX/XXXX, acknowledging that payment and saying that Capital One owed her {$1.00}. Then another statement, for the period from XX/XX/XXXX to XX/XX/XXXX, claimed she owed {$30.00}. The following day, XX/XX/XXXX, I wrote to Capital One, explaining the situation and asking them to close her account and stop billing her. 

A few weeks later, she received another bill. Finally, in mid XXXX, I called Capital One and was told that the first time my mother called, the customer service rep made a mistake and my mother had not been given the amount of interest owed. That interest was continued to grow each month. The customer service rep said that she would erase the interest from the account, and my mother would owe nothing. Last week she received another bill for {$88.00}. 

I called again on today, XX/XX/XXXX. The rep on the phone had all of the information -- knew the entire history about the agreement to waive the interest fees -- and said that the previous rep had not completed the update properly. She assured me that it would now be taken care of and that a XXXX   balance would be reflected on the printed statement my mother receives within one or two billing cycles. Thats the part that makes me nervous because that is what I heard last month. She also said that the waiver of interest would not apply to future purchases or cash advances. However, the account was closed in XXXX, so there will no longer be any more transactionsonce they remove the {$88.00} interest payment from the account. My concern is that Capital One will keep charging interest on the interest it had charged before, in the hopes that my senior citizen mother will just give up and pay it.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Account information has not been removed after after XXXX years of been their income information is incorrect and does not show that it has been properly handled
Product: Credit reporting or other personal consumer reports

Experian is reporting an account, XXXX XXXX XXXX, on my credit report. I have filed a dispute and it came back verified. However, I have been in constant communication with the company, working with a supervisor, who stated on XXXX the XXXX, the account was reported to the bureau in error and has requested for them to remove it. We are now in XXXX and it hasnt been removed. When I disputed the account, it came back verified. I demand to know, who at the company verified it? I would like all information used to verify the account as the company themselves have already stated on a recorded line it was reported in error. Therefore the account is NOT verified. This is illegal for Experian to say otherwise and is in violation of my rights and privacy. I demand immediate removal.
Product: Debt collection

Received a phone call from " XXXX '' with diversified Consultants asking me to pay a XXXX bill of over {$1000.00} that went delinquent last year. I informed him that I haven't had XXXX for 7-8 years and he hung up on me.

I then called back and was told that since I said tat they had a wrong number they won't be calling back. I stated that if there were an account in my name I wanted to know where it was located and they then asked for the address. I said that I wasn't providing that information and wanted to speak to a manager.

I was then placed on hold and " XXXX '' ( a different voice ) said that he was the supervisor and that sine i wouldn't provide an address and had told them they had a wrong number they would put me on a do not call list. I expressed several times that i wanted the address and was told that since I stated they had a wrong number they would be providing me someone else 's information and they weren't going to do that.
Product: Vehicle loan or lease

Capital One does not have my account as paid on time XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payment showing correct. I have not gone past 30 days in no XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX paying my car note. since this virus started and the 3 credit bureaus information is not correct and they blame it on Capital One Bank nothing but the run around with the credit bureaus sine this virus started.When paying the payment it takes capital one or my bank to long to get the money as paid by debit or checking account is not my issue how capital one batch or my bank i see this is a bad bank with all the issues i have had in past 4 years with 2 cars fin with capital one it is always some issue even when i paid 3 months in advance capital one did not report right sent me some letter saying sorry has nothing to do with all the mistakes has happen on this loan.
Product: Checking or savings account

I used my personal computer to open a saving account on XX/XX/year> with XXXX, a division of Santander Bank. Came online again to make another deposit later and was unable to complete the transaction because it required that I use their app on my cell phone. I do not do internet banking or banking using my cell phone. I do it on my PC and do not use biometric data be voice or fingerprints. Called their number at XXXX, to request the return and closing of my account and was given a reference number XXXX and was told will get a call back to have my {$1000.00} returned in the same manner it was done when I opened the account by ACH bank transfer. Did not receive a call back and after contacting XXXX by phone again was told there was no such a reference. Asked for physical address and it was not provided. Tried to obtain the complete account number and routing number and was not provided. After wasting my time with the representative of XXXX, hanged up and had no other choice that to download the app and against my will. Forced to use my cell phone, emptied my account. In addition, I contacted the Santander Bank email -- several times -- that was the only email I was able to obtain on my own and XXXX to no avail. Find disingenuous and deceiving that they allow a person to open an account using a PC but force the customer to use a cell phone, a medium not used to open the account to access or service the account. Also, after opening the account, no documentation was provided upon doing the credit and background check to authorize the opening of the account which preclude the owner and/or depositor from stablishing a claim of ownership or dispute like in this case.
Product: Checking or savings account

I opened my account with them on XX/XX/XXXX and on XX/XX/XXXX they decided they were going to close my account. They would not give me a reason why they were closing it but left it open for almost a month before they decided to close it and it just happened to be around the time I started using the account to pay my bills. I have had two direct deposits into this account in the amount of {$600.00} a piece so two of them would equal {$1200.00}. I also deposited {$5.00} additional to open the account so they have {$1200.00} of my money -1 bill I paid {$110.00} for my license plate renewal and {$250.00} for the second bill for my car insurance. So that leaves XXXX of my money they still have ( if they paid for those two transactions ) and they will not release it. My credit score for XXXX is XXXX and each one of the three credit reporting bureaus have me listed at XXXX, plus I have two credit cards through XXXX XXXX. So I don't believe my credit is the issue. All I know is that I no longer have access to the account online or in a bank they have got it blocked so I can't see anything that is going on with it. So if I do have fraud on it for some reason I wouldn't know it. They sent me an automated email yesterday stating we posted a new notice or letter in your Chase mobile app and at the chase.com/statements here 's what it's about to protect against potential fraud we restricted your account and may close it soon. So I called them after I was unable to access anything in the Chase Mobile account so I don't know how I was supposed to read the letter they sent me and they informed me that they are closing my account. If they are going to close my account without giving me a reason ( which is fine ) I want my money back now!! That's a lot of money for them to be hanging on to when they plan on closing my account!! The point is they are holding my money and I don't have access to it and need to pay my bills
Product: Credit reporting, credit repair services, 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. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Knight Adjustment Bureau XXXX are reporting for the same debt on my credit report. Per the FCRA in my investigation two different companies can not report the same debt on my credit report. This is a violation and this debt has been paid, it needs to be removed from my credit report.
Product: Debt collection

I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.
Product: Mortgage

In mid-XXXX, my XXXX  was forced to shut its dining room due to Covid-19 and I had to lay off nearly all of the two dozen staff. Sales plummeted more than 90 % even while trying to do just take-out orders. My financial position was very uncertain as the business had been taking losses since the start of the year due to rising public fear. 

I then learned that Chase Bank was offering assistance to people and businesses that were impacted. In lateXXXX and earlyXXXX I called Chase at least 5 separate times about my home mortgage. Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my mortgage payments would be deferred up to 3 months with no penalties. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances became clearer and I were ready to make full payments for the mortgage. When I reviewed the account, what I found was completely unexpected. Chase had reported my account to the credit bureau for non-payment. When I called about this, I was told again there was no record of any calls to Chase for assistance. 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.
Product: Debt collection

After a year of vacancy my apartment I received An account on collection from this apartment I never received notification of debt, calls mails or Emails from this lease office to charge me the amount they are doing now This is affecting my credit a lot!!!
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to all three bureaus. My Equifax and XXXX report is not reporting accurate information like XXXX. Status is incorrect and showing late for XXXX XXXX. This account was not removed/deleted or updated for Equifax and XXXX but this account is not showing on XXXX at all. It is also showing different statuses. XXXX states " 60 days past due '' and Equifax is showing " not more than two payments past due ''. XXXX has deleted this account. I have documents and proof attached showing what I have stated is accurate and that I have sent certified letters. 15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an agreement with XXXX XXXX XXXX that if I paid both my collections with the amounts of XXXX and XXXX that they would send me a letter that they were paid, and report to the bureaus that the I have a XXXX balance. They agreed to do what they agreed by ten days after the checks posted ( see attached ), but now it has been a month and they have avoided talking to me and doing their part of the agrrement.
Product: Credit reporting, credit repair services, 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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/ AID Advantage XXXX XXXX / amount {$1700.00}, Dept of Education/ AID Advantage XXXX XXXX amount {$3500.00}, Dept of Education/ AID Advantage XXXX XXXX XXXX {$4300.00}, Dept of Education/ AID Advantage XXXX XXXX amount XXXX {$2800.00}, Dept of Education/ AID Advantage # XXXX /amount {$230.00} , Dept of Education/ AID Advantage # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX  /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have 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 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.