23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them
Product: Credit reporting or other personal consumer reports

XXXX continues to ignore my dispute and failes to list or report that my acount was included in Bankruptyon my credit report and refuses to update my credit report as being " Paid In Full '' and refuses to remove the status remarks as late 120 / 150 Days Late!!! 

I've esculated my complaint to senior management for XXXX and Employee - XXXX XXXX ignores my calls, left voice messages, and fails to address my request! I have notified XXXX for more than three years and no changes have been made to address my complaints! 

I have esculated my complaint to the XXXX XXXX XXXX for the way my complaint has been handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX  XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and exposed to data breaches that you, the Equifax credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$5100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX Balance {$7300.00}, XXXX opened XX/XX/XXXX Acct. XXXX Balance {$1300.00}, XXXX XXXX opened XX/XX/XXXX XXXX Balance {$3100.00}, Address : XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of account to be removed from my report. I disputed XXXX XXXX the accounts are reporting incorrectly and the servicer transferred account to another servicer. XX/XX/XXXX Equifax complete4d investigation stating the account is accurate and will not be removing. XX/XX/XXXX I called Equifax to discuss all accounts with US Department of Education that needed to be deleted. I called US Department of education before calling Equifax and they sated they sent letter stating to delete all accounts. I requested the letter and put it in a dispute on Equifax to submit proof XX/XX/XXXX after talking to Equifax representative that stated they were not on my report and maybe my home lender has not requested a new report. XX/XX/XXXX checked my Equifax report and noticed the XXXX accounts remained on report and my lender confirmed that there was no changes. I called Equifax and the representative said the later states one account and it clearly say all loans with US department of Education. The employee refused to assist me in the matter and I requested a manger. The manger refused to acknowledge my request and as well as the letter and said nothing could be done. I later received a notification there was a dispute submitted. which I never requested a dispute and theses accounts should have been deleted from the XXXX dispute. They are hindering my report and keeping from buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

I submitted a Fraud Report to Experian in XX/XX/year>. They froze my account, set up alerts and deleted information that was not mine. On XX/XX/year>, I was sent mail from XXXX XXXX stating that I was denied a credit application, which I did not apply for. When I went to check my Experian account, my username/email and phone number were changed. This was the exact phone number that was deleted from my reports. Some one hacked into my account but I can not recitify my account, with MY information because of this phone number. The codes go to that phone number. Experian wants me to send my Social Security card to a po box to recitify this. I am NOT sending that thru the mail. I want them to just delete my account and I will start over. When I go to set up a new account with my email/phone number, it tells me that one is already in use.
Product: Credit card

XX/XX/year> I was on citicards account looking at my costco credit card balance and i saw the advertisement that citi simplicity card has a 21 month 0 % apr with 3 % balance transfer fee. I decided to apply to it. My credit card application and transfer request were instantly approved when i submitted the information they requested from the web site. It further told me that it takes 5-10 business days to complete the transaction. XX/XX/year> ( 10 business days after the application ), i didn't see the balance transfer being processed. I called and spoke with some lady and she told me that there was a potential fraud because of opening account and transfer so they have to hold it for 14 days and now since i called in to verify myself, she has removed the hold and the transfer will be completed in 24 hours, no later than 48 hours. XX/XX/year>, transfer did not complete. I called again and this time i spoke with some guy named XXXX, who has very heavy accent and difficult to understand, and told me that the lady told me the wrong information and it takes 2-4 business days to complete the transfer fund after that hold was removed. He then promised that the transfer will be there on XX/XX/year>. Today ( XX/XX/year> ) i did not see the transfer fund, so I called Citi Simplicity card again and I get to speak to XXXX again! He then told me that this transfer is not able to be completed because I'm trying to transfer the balance to another citi card account and it is not permitted. I told him that I saw the add on the citi card account, and if this is not valid, why is it not disclosed on the rates and charges/information/disclaimer? Better yet, why are you advertising on the citi card account site since you can't permit that transfer anyways? That's false advertisement and inappropriate disclosure! I requested to speak to a supervisor, then XXXX said give me a second and let me re-review this. It sounds to me that he doesn't even know all the info after all those times i've spent with him on the call and did not understand the product the company he works for is offering, i demanded to speak to a supervisor as I am done trying to resolve it with the phone answerers. The supervisor said her name was XXXX?, again, another person I can not understand well on the phone, and immediately told me flat out that you can't transfer citi to citi on balance transfer offers, without even listening to me. Of course by now i'm livid and i told her she needs to listen to me and let me finish and she kept talking so i increased my voice, then i just heard her saying do you want me to cancel this balance transfer so you can retry? What is the purpose of me cancelling a request just to retry it when it has already been 21 days since I applied and it's causing me extra interest on the card that i'm trying to transfer to? She won't listen to me and then when I was still expressing that there's no point in cancelling the transfer request, and she just yelled out she can't help me and hung up on me! What kind of company is this and what kind of service is this?!
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GLA has reported medical debt on my credit, I have disputed these debts through the bureaus. Some were removed, some were validated without proof. All GLA collections listed here are in violation of the AG settlement 2015. All 3 medical debts reported and validated by GLA have not been updated, and are in phase III violation.
Product: Checking or savings account

XX/XX/2021 at XXXX XXXX, I got a text message from XXXX about a fraud alert in the amount of {$140.00} to PenFed Credit Union. I called XXXX and told them that the charge wasn't valid. On XX/XX/2021, I got a form from PenFed CU in the mail showing a new account number and thanking me for joining. On XX/XX/2021, I got a letter in the mail from PenFed CU that said a stop pay request was placed on a check. On XX/XX/2021, I reviewed my credit report and saw the PenFed CU account on it, with a XXXX balance. I put a dispute on my XXXX information. On XX/XX/2021, I called PenFed CU and was told that there was an account under my name and social security number, but that it had a different email address as a contact. I put in an identity theft report with PenFed CU.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a car loan with Capital One Auto Finance. 
I requested and received an approved payment deferral for this loan due to a COVID-related job loss. 
After receiving this approved deferment, the company listed a late payment on my credit report. 
After submitting a letter to the company, they responded that their actions were accurate and no further action was necessary. 
My credit rating has dropped over XXXX points in XXXX months due to, in part, the actions of this company. 
I would like to find an acceptable resolution to this.
Product: Mortgage

I have a deposit slip in my hand from physically dropping off payments via business bank checking. The deposit/payment into the loan account was {$110000.00}. The checks cleared through the federal check clearing system, and cleared the bank they were written from showing USBank as the receiver of the funds, but the deposit is not showing up in my account/with account number on my deposit slip. The bank branch was confused, double checked and confirmed the physical deposit in person was made at XXXX on XX/XX/XXXX, but as of yesterday could not see the deposit in the account any longer. Today is XXXX XXXX on XX/XX/XXXX. The funds were processed through the federal clearing process in what looks like a normal timeframe. The funds are missing, and not in my customer account! 

US Bank ( branch ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX Nebraska Branch, XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX 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

I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts
Product: Money transfer, virtual currency, or money service

No action taken due to service used to transfer the money ( XXXX ) Bank of America XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} XX/XX/2021 - {$350.00} this was a rental scam - I have proof if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX disputes with XXXX, XXXX Disputes with XXXX, XXXX disputes with Experian regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.AXXXX CREDIT XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report XXXX If XXXX could not verify this account per the F.C.R.A, How are XXXX and EXPERIAN doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, XXXX - XXXX Letters Experian - XXXX Letters
Product: Credit card or prepaid card

Consumer payment dispute on credit report Macys Late Payment dispute to XX/XX/XXXXand XX/XX/XXXX 

Macy 's falsely accused me of being late for the following months listed below when payments were received through my bank as auto payments. 

XXXX XXXX - 30 days late XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX- XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX and XXXX - XXXX. 

This delinquent account record is inaccurate because I paid each month on time ; I did not know that Macys increased my monthly payments starting XX/XX/XXXX once the COVID -19 crisis was finally recognized, although my hours were reduced in XXXX, I still managed to make my original monthly payment on time. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed XXXX accounts reportings for inaccurate and in violation to my rights with the bureaus. In accordance with the Fair Credit Reporting Act this bureau & creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a s2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose. XX/XX/XXXX After stating my rights I asked to provide statements supporting the investigation. XX/XX/XXXX reports came back verified but didnt provided documents or wet signatures supporting the validation for the inaccurate report. 

XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, my late payments has still not been deleted. 

XXXX XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, still has charge-off reporting on my credit report. 

XXXX opened XX/XX/XXXX, still has charge-off reportings on my credit report. 

Inquires are Unauthorized - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Credit Report Information Dear Sir/Madam , I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies. 

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Homebridge Financial recently sent me an Escrow Statement in which they astutely projected the expense toXX/XX/XXXX but since they conducted the trial balance in XX/XX/XXXX, omitted theXX/XX/XXXX actual from their calculations.

If this payment had been calculated, I would've had an overage of {$100.00} in the account.

Since the impacted payment would be in XX/XX/XXXX, this continued practice by HFS will always throw a shortage on the escrow. In essence, they are calculating the requirement to 12 months but the actual payments to 11 months. 
This practice is contrary to the rules on escrow and could be impacting thousands of consumers, I have called 3 times already and can not get a straight answer.