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

I have been a Member of XXXX XXXX Bank since XXXX. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my Experian Credit Reporting Credit Report and FICO Score. When I checked the information regarding my Credit Report within my XXXX XXXX Account, I noticed Experian is reporting a different Credit Score that is actually on my Experian Credit File. I have created a signed -in member Account with Experian Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in Experian Credit file and what's showing in my Credit Report and the FICO Score on my XXXX XXXX Account. There seems to be a vast different between the XXXX.
Product: Money transfer, virtual currency, or money service

I signed a lease with a person called XXXX XXXX who claimed that she owns the property on XX/XX/2023, and I paid my rent and security deposit on that day through XXXX and wire transfer. I made XXXX XXXX transfers and XXXX wire transfer, which should be {$1500.00} in total, but the person told me that the second XXXX transfer didn't go through and she asked me to pay {$500.00} more, so I paid {$2000.00} in total. Later that night, I called Bank of America to confirm if the XXXX transfers went through and the bank told me they did, so I contacted the person to ask for my money back, and then she blocked me on the social media and I couldn't reach out to her anymore. I didn't get the place I rent, and my friend told me that his friend, who is a real estate agent, found out that the person didn't even own this property. As soon as I realized that this is a fraud, I contacted my bank trying to dispute the XXXX transfers and the wire transfer. However, they denied the claim of refunding my XXXX transfers this morning, and I don't know what to do. I'm still waiting for them to dispute my wire transfer, but I need to know how to make an appeal on the denied claim.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : In XX/XX/XXXX our family planned a vacation to celebrate mine and my husbands XXXX Anniversary. Our vacation plans got thrown off due to COVID-19 complications. My daughter paid for the full total of the reservations, and I planned to reimburse her using PayPal. The amount is {$3300.00}. 
My daughter and I put in all of the transfer information together on XX/XX/XXXX including the email address. At some point on XX/XX/XXXX the email address was changed to an email address neither my daughter nor I recognized. 
29 attempts were made to contact PayPal for remediation, to no avail. 
2 attempts were made via the online dispute system for PayPal with immediate declinations. 
The last reason for the decline Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. An example of a personal payment would be sending money to a family member or splitting a bill with friends at a restaurant after one person has paid. 
The representatives treated me as if I were senile and not able to understand what was going on, and attempted to confuse me by give me conflicting information me in the same call. I felt bullied and taken advantage of unfairly. 
Their declination reasons were not relevant to the situation that occurred. 
On XX/XX/XXXX I requested for PayPal to provide me with a copy of the policies in place for XXXX  abuse. I requested a regulatory complaint be filed ; I also submitted an executive complaint. In addition, I requested a copy of their CRA file. On XX/XX/XXXX I received another message declining to comply with my requests. I am entitled to this information as per the Dodd Frank Consumer Protection Act of 2010. This company averted compliance to this Act. 
On XX/XX/XXXX I sent letters to five different regulatory agencies regarding this issue. 
I have no compliance from PayPal, just several declination responses. 
I would like an ACH chargeback to be completed for this purchase that was fraudulently intercepted after my instructions were sent to PayPal. 
PayPal has refused to complete this chargeback. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I applied for credit through XXXX ( a part of Comenity/Bread Financial ) to finance XXXX  XXXX. I was approved that day. I then received an Alert Notification email from my credit monitoring service from Alliance Data Services ( which I understand is part of Comenity/Bread Financial ) to verifiy my identification for credit cards from stores I do not patronize nor visit any malls where they may be locared. I can not forward the email I received. This notification has nothing to do with my approval for credit through XXXX. I have contacted Comenity/Bread Financial to file a complaint and I was asked - what do you want us to do? No complaint was filed. In fact when I contacted them last week about this issue, I was told I had to contact XXXX to get information on this. It is impossible to speak to anyone at XXXX! My credit information should NOT be shared within the same company when it has nothing to do with the original credit application. I have had to initiate a freeze on future applicaitons through all 3 credit reporting companies which will inhibit me from applying for new credit in the future until the freeze is cancelled by me. This company must change their credit reporting policies immediately so future applicants will NOT be affected by this " illegal '' practice
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank closed my Citi XXXX account for the reason abusive manner for the primary purpose of acquiring ThankYou Points, and forfeited all my thank you points ( XXXX ). 

1. Citibank arbitrarily closed my account without clear standard defending their excuse. 

2. On XX/XX/XXXX, during the talk with online representative, I was told that even though my account was closed, I could still redeem all my points. 

3. Its absurd that Citi forfeited all my points by saying I got all my points by misusing my card. 

4. Amount 40000+ points, most of them are not even from this card. They were earned through another card called XXXX.
Product: Checking or savings account

I have a checking account with US bank number XXXX. A few days ago, US bank deposited the same check I sent TWICE, so of course it was only paid one. And then US bank charged me a {$19.00} check fee?!?. However, they did not charge the fee until I withdrew all my balance, so that way the {$19.00} would cause me to overdraft and then they charged me another {$34.00} to make my account be {$55.00} so they could continue to charge overdraft {$34.00} fee everyday. This is illegal.
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 still items remaining passed on that should be taken out or blocked. Per FCRA segment 605 you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account NumberXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX  - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Debt collection

I transferred my service to another company on XX/XX/XXXX You must get a release for the phone from XXXX in order to switch your phone over. They released my phone number but continued to charge me for the service I no longer had. They have now transferred my account to a collection agency stating that I owe them {$300.00} I do not owe them. They also increased my bill without notifying me of the increase 30 days prior to give me a chance to agree to their new terms. My phone bill had doubled I was not going to pay that amount so I switched to another phone service. They are trying to collect a debt that I do not owe. You an never reach anyone on the phone you can only talk to a computer they are trying to run the company thru AI. Therefore you never get anything resolved you are constantly prompted to pay your bill otherwise no discussion
Product: Mortgage

My property taxes were paid in full by my mortgage servicer, Newrez LLC, through my escrow. However, the tax amount for Tax Year XXXX and Tax Year XXXX were incorrect. I have fixed this issue with my XXXX XXXX office by completing a Pay By Legal Description and was given new tax bills for both years. I had sent over a copy of my corrected property tax bills to my mortgage servicer for review to adjust and refund funds back to my escrow account. I still have not receive a response or resolution. I have been overpaying for the month of XXXX and XXXX in the amount of {$5900.00} due to the increase of funds in my escrow, which is added on to my monthly payment. Newrez had paid {$18000.00} for tax year XXXX 2nd installment and {$12000.00} for tax year XXXX 1st installment. These are incorrect amounts, and I need them to refund the difference back to my account. I need this to be resolved as soon as possible as it making me very difficult to pay my monthly payment for amounts that are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, XXXX & XXXX Account number : 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

They told me i am responsible to a account that I have no knowledge of and also made late payments on my account without legally doing it.
Product: Credit reporting or other personal consumer reports

Dear Experian To Whom It May Concern : I was in the process of applying for new employment an

d housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account number XXXX XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account number # XXXX Delete this account. 
There is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account number # XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest Credit Company violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$630.00} XX/XX/XXXX UNKNOWN XXXX {$180.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX
Product: Mortgage

Over 2 years ago Selene put up our escrow account and our payment went out before we realized ( autopayment ). So we sent the difference ( about {$350.00} ish ). But they never applied it and every month would show us a month behind on our payments. We have spent hours calling, emailing and trying to resolve this issue. We even finally got a letter from Selene stating that they found the payment and would apply it but never did. About a month ago o finally got someone to say they would apply it but instead they completely messed up the entire acount and instead of saying I am XXXX month behind they say I own $ XXXX! They wont address my emails even though I can prove payment from my bank every month since the inception of the loan! When I call they say a XXXX  will get back to me but no one ever does! Its fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.
Product: Student loan

My loans show that they are still in collectio/default status. I am currently enrolled in a IDR program with great lakes borrower service.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX XXXX Code XXXX XXXX815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/2022
Product: Mortgage

Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. where I spoke to XXXX and said yes the account has been charged off. I asked BOA what is the reason for a short sale when the account has been charged off and is no longer, written off, no balance, loan has been forgiven?. Once BOA realized there was a potential for getting some income from the primary loan then the story changed. BOA is telling us that the account has been charged off however is still eligible for collection. How can you collect on something that is no longer? I asked ... Then the verbiage changed from the account is charged off to account not being written off and that written off means loan amt has been forgiven however charged off the loan can still be collected on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Capital One credit card. We are a XXXX income family and during 2024 we had a lot of financial hardship, the inflation killed our finances. 
I started to miss some payment so I talked to the bank 's customer service representatives and they only offer really expensive payment plans, I took a couple of them during 2024 because I wanted to keep up. 
Unfortunately, the situation is not sustainable any more. I requested many to the XXXX reps to close the account to stop the fees and interests accruing and make a payment plan. They have always refused. I started with a {$7000.00} debt and now is above {$10000.00}. 
Capital One continues to refuse to close the account to stop the racking up of the debt. They only want higher payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.
Product: Mortgage

We fell behind in mortgage payments have been trying to get a modification since XXXX but Chase will not give us a decision. Now are faced with foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX