23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. LVNV and XXXX XXXX is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.
Product: Debt collection

Equifax continues to ignore 7 request to remove XXXX from my credit report. See attached document below of certified receipts with names and dates.
Product: Checking or savings account

I wanted to open up a navy federal account and it would not let me, ive been waiting for almost 2 months to get in touch with someone regarding my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an collection account with Experian they are currently reporting an unverified, unproven, non compliant collection account from XXXX XXXX. I send my dispute certified # XXXX. In which they have failed to comply. Due to the fact that NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH ACCURACY, COMPLETENESS, AND COMPLIANCE To XXXX XXXX and they have failed to prove otherwise and refused to delete this account.
Product: Consumer Loan

Wells Fargo Dealer Services wo n't auto-apply over payment to principal. I just looked and the {$1000.00} check I sent only applied {$900.00}. I included a note asking for it all to go to principal. This morning the guy told me that I have to actually write it on the check for them to apply the payment to principal. So once again our money has been sitting in a prepayment reserve. And now it 'll take 2 more days for the funds to be moved. Each time I call about this it is a different procedure.
Product: Credit card or prepaid card

I found a XXXX Prepaid Debit Card given to me as a gift, {$100.00}. value. I went to use it and discovered that {$60.00} in inactivity fees had been charged, confiscated from the card in addition to the gift card fee paid by the gift giver. I contacted the 800 # listed, I believe it is related to US Bank, and was told they could refund some months of it but their systems " did not allow them to go back over 12 months '' so I could only get a partial refund. This was a " gift card '' it says A Gift for You '' printed on the face of the card. Florida law does not allow any " inactivity '' fees to be charged to Florida residents. I believe US Bank gets around this by having them not classified as " gift '' cards and using the loophole in the " Card Act '' that allows inactivity fees to be charged after 12 months to effectively wipe out the card balance.
Product: Mortgage

We tried to refinance a rental property of ours on XXXX XXXX, 2016. We have paid our mortgage with them for almost 10 years & have never been, late. We scanned loads of documents for Citibank for almost 4 months & they kept letting our documents expire & then asked for more documents. We had a closing date & time with them & then they cancelled closing asking for yet -- -more documents! We decided they were never going to stop asking us for more verification, so we told them to give us our application fee funds back, that we were not going to keep being strung along while it was never-ending documents they wanted from us. They took almost {$700.00} from us, wasted our time, while now refusing to refund our money. Account manager is XXXX XXXX at XXXX XXXX XXXX. Please help! XXXX XXXX - XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,
Product: Credit card

I applied for a Freedom credit card and received it XX/XX/year>, it offered 0 % intro APR for the first 15 month of the balance transfer. That is the statement on the Card Member Agreement. It does not include or exclude any credit card.

When I tried to do the balance transfer I was told I was unable to transfer a balance from a XX/XX/XXXXChase Credit Card to a Freedom Chase credit card due to both being Chase.

I applied for this card due to the rental car agreement it provides, it makes no difference to me who the bank behind the credit card is. 
It should be stated very clearly if there are restrictions on credit cards that are not applicable to this offer. This is an inconvenience and causes stress for my plans.
Product: Credit reporting or other personal consumer reports

Hi! 

I didn't give companies permission to view my credit score. 

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

I do not owe AWA COLLECTIONS anything because I did not sign anything with them. Nor am I aware of owing them anything because they never loaned me any money.
Product: Credit card

I Called American Express to confirm that an {$85.00} charge for a XXXX Precheck fee would be covered as a perk and credited back to my account. I was told by a representative that answered their XXXX number on the back of my credit card that the charge would be credited as this was a perk of my Platinum Optima card. I made this call because it was n't clear from their website which cards were included in this perk. After receiving my bill with the {$85.00} charge and no credit I called again to ask when I could expect the credit. I was told to wait a week or so while a supervisor investigates my claim. About a week later I received a voicemail from the supervisor stating that there was no record of my original call and therefore I would not receive my credit since I was incorrectly told it was covered on my card. I immediately call and talked to XXXX XXXX ID # XXXX. He also stated that due to no record they would do nothing to credit my account. I made this purchase on this card based on the fact the I confirmed with AMEX that it would be a credited charge. I did not dream or imagine that this call happened, and while I wo n't profess to understand how their call log system works, I talked to a live AMEX rep, was put on hold while she confirmed the perk with her supervisor, and was then told that the charge would be credited and to go ahead with the charge. I have been a perfect customer for years and am livid that AMEX would not stand behind what its representative say, and that they would expect a good customer to pay for a failure on their end. While I 'm sure their systems are generally accurate, their failure to record my first communication with them, and their denial of it happening, is essentially the same as calling me a liar and holding me accountable to pay for their mistake, which I refuse to do.
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

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

A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and Im writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please find the only correct information that should be reported or listed on my credit report. Please update all personnel information. 
My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Im only employed at : XXXX XXXX
Product: Mortgage

XXXX XXXX was in foreclosure with a high 10 percent interest on her XXXX mortgage. There was no sale date on the home XX/XX/2015. No one from her servicer contacted her with regards to seeking assistance with the loan to retain the property. XXXX XXXX sent in a modification over two weeks before her sale date which was plenty of time for a review to start per SLS employees. On XX/XX/2015 the single point of contact XXXX XXXX stated that she has the modification package and reviewed the information while on the phone. ( Calls are recorded, this conversation took place. ) XXXX stated the file is being reviewed. She stated that the contributor section needed to be filled out completely on the RMA form. On XX/XX/2015 XXXX said there was no new update on the account. On XX/XX/2015 Supervisor XXXX ID XXXX came to the phone. Not only was XXXX rude, she had bad customer service. XXXX stated that per federal law and according to the consumer financial protection bureau, they were not reviewing the file for assistance. We asked if the calls are being recorded and she said yes. She again stated that they will not review the file for assistance because the sale date is less than 37 days from the date they received the request, therefore they will not review the file nor postpone the sale date. This complaint is with regards to how SLS is conducting business. Supervisor XXXX ID XXXX and underwriting are quoting XXXX " guidelines. '' However, per the foreclosure attorney/trustee The Mortgage Law Firm employee XXXX XXXX, they were authorized to move forward with the sale on XX/XX/2015, which is less than 37 days ' time to even get the package in. California has different guidelines in general. And in this case, SLS is in clear violation of these laws and is misinterpreting " Federal Law. '' It is apparent that SLS is not only in clear violation pertaining to federal guidelines, but they are discriminating against XXXX XXXX based on her age, sex, marital status, race. There are numerous reason why SLS behavior Is unacceptable. The number of times that SLS was contacted regarding status of the file should extinguish any opportunity to excuse SLS 's behavior. Rude employees only validate the issue of discrimination. There is no tangible reason for SLS to have treated the homeowner and file in this manner. SLS is refusing to consider XXXX XXXX request for assistance negating any opportunity for her to save her home. The events described above are just a sample of the practices that are taking place at SLS. SLS appears to be more interested in foreclosing on the home and selling it at auction to make a profit. It appears that SLS lack of participation in a meaningful modification review of the file indicates a preference to profit directly from XXXX XXXX 's hardship. At this time we are demanding that SLS provide XXXX XXXX with a work out solution or she will assert her legal rights and name both SLS and The Mortgage Law Firm as defendants in a civil complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card is inaccurate on all my credit reports.
Product: Credit reporting or other personal consumer reports

Synchrony bank pulled my credit without consent. They never notified me that they would pull my report, but in a letter they sent me admitted they pulled my credit and then used that as an excuse to deny an account ( since my credit file is locked ).
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquirieXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXX
Product: Credit card or prepaid card

Purchased item from XXXX for {$160.00} Item was returned, received email confirmation that return was received XX/XX/22 and full refund was to be processed. Never received refund. 
Filed billing dispute with bank of america, bank of america requested documentation, Faxed email receipt stating return was received and refund was due. Received letter stating " unable to determine that a billing error occurred '' and closed dispute. The documentation provided clearly shows I am due a refund and I have not received one. Under the visa card member agreement Bank of America is obligated to provide a refund and charge back the merchant as I have provided all required documentation.
Product: Mortgage

Specialized Loan Servicing LLC will not mail a full mortgage statement without verbally being instructed to do so *every* month. This requires a consumer to sit on the phone for 5-10 minutes dealing with an automatic operator system just to then to be able to speak with a representative for another 5-10 minutes to ask for a paper copy of a statement *every* month. 

When asked why one can't just receive a paper copy every month, as had been received previously from the same company, their response was " oh, it was a business decision, we don't have the infrastructure anymore to do that '' when they clearly do because they will mail a paper copy of a statement after I have to call them to request it *every* month. 

The XXXX section does not specify that a consumer must contact the mortgage servicer every billing cycle to receive a full copy of a mortgage statement, only that a consumer must consent to the method of receipt : in person, verbally, written, or otherwise electronically. No specification exists that a consumer must communicate to the servicer that they wish to receive a full statement repeatedly for every billing cycle if the servicer decides to send a " coupon book ''. 

Specialized Loan Servicing LLC won't provide a consumer with a paper copy of the mortgage statement unless the consumer repeatedly calls them to request one *every* month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : I have filed several disputes with all three credit bureaus in addition to each collection agency in which reported information on my credit reports. I have since been denied housing for such information on paid debts. I have attempted several times to contact not only this office via online complaints, phone and now by mail. Please accept the following documents in efforts to get these cases resolved within the next 5 ( calendar days ) due to the amount of time in which it has been since I have filed my first dispute. 

I am disputing the following companies : Equifax Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. Reporting debt in one month, then removing it, then placing it back on the credit report of a different amount ( per the collection agency- no validation of records has taken place ) XXXX - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX XXXX XXXX accepting payment and not updating credit bureaus of deletion per corresponding letter XXXX XXXX XXXX - accepting letter with proof of payment and not updating credit bureaus of deletion per corresponding letter National Credit Systems Accepting letter, emails and phone calls in reference to a paid debt. Company is refusing to delete account when proof has been provided on several occasions. Phone calls, emails and disputes are going unanswered. No deletion, and updated credit report of a paid debt, and will not return overpayment. 

I am currently in the process of purchasing my first home for my family. It would be a kind gesture if you could grant me the deletion of this negative reportings and make goodwill in removing the account in full off all credit reports. 

Thank you for your consideration, and I hope that you will approve my request. 

Sincerely, XXXX XXXX Attachments included Current open complaints XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Closed, no useful feedback provided to make a clear decision XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Mistakenly filed and company needs to be deleted XXXX filed XX/XX/22 company will not return phone call, updated credit reports with falsified information. 
XXXX filed XX/XX/22 Owner of XXXX XXXX XXXX that hired XXXX XXXX  XXXX XXXX XXXX to file and approved reporting incorrect and false information to credit bureau XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018. I was victim of a fraudulent transaction. I was under the impression I was protected by my bank. That wasnt the case. I had lost {$370.00} through Chase QuickPay and I immediately contacted my bank to file a claim. I was provided a temporary credit however, the case was dismissed and money was removed. I was told I was held liable and nothing can be done. I was given the run around to contact different departments and no assistance. 

You would think that with the bank having the recipients information they can make a case about it being fraud but no one was able to help. Bank can not be trusted to help and protected customers who have been loyal to them for more than 15 years.
Product: Credit reporting or other personal consumer reports

I am conducting a XXXX XXXX  on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX  # XXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. I have requested a XXXX Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a 1099-C. Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. 15 USC 1681eb states that you have a responsibility to report maximum accuracy on my credit report. Ultimately, this creditor is in violation of my rights under FCRA, 15 USC 1681b and 18 USC 1028A which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority. Please, I need this account deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business, Buy and sell online products ( Ex. Gadgets, Shirts, shoes, goods and more ) since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.