23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account was sent to collections and the account was paid in full. Error by admin but collection agency continues to attempt to collect on debt and Ive provided proof of payment
Product: Credit reporting or other personal consumer reports

Violation of 15 U.S.C section 602 A rights to privacy and Section 604 A that credit agency can not furnish information without my written consent. Inaccurate information from credit acceptance that the credit bureaus stated was properly investigated but all information with all 3 is incorrect. This includes dates, account responsibilities and address or creditor that is reporting information.
Product: Checking or savings account

On XX/XX/year> logged into my account and noticed an assessed {$3.00} fee. Should not be assessed based on my account balance being greater than the {$500.00} required to remove the fee. When I chatted, the customer service representative, named XXXX, was beyond incompetent in answering my inquiry.
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted TRANSUNION via phone and mail several times about the account mentioned in the attached letter below. TRANSUNION has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts willfully. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : XXXX INQUIRIES : XXXX - XX/XX/2021 XXXX  - XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( XXXX ) ( XXXX ) ( EXPERIAN ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.
Product: Checking or savings account

I tried to withdraw money from my account on XX/XX/XXXX and noticed my account was zero balance. I contacted Chime and was told by a Chime representative that my account had zero balance and that my account was closed on XX/XX/XXXX, XXXX couldn't tell me anything further. I informed the representative that I had {$3600.00} and the funds was stolen from my account on XX/XX/XXXX. And they didn't notify me of my account being closed on XX/XX/XXXX neither did they refund me the balance of {$3600.00} by mail. Chime refused to allow me to file a dispute. Chime has violated 1031 and 1036 of the Consumers Financial Protection Act of 2010 and 12 U.S.C. 5531, 5536, by failing to provide refunds of balances remaining in accounts after closures. The CFPA has jurisdiction over this pertinent matter under 1053 and 1055 of the CFPA and 12 U.S.C. 5563 and 5565.
Product: Debt collection

Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX  tells me to contact the business to get it cleared up.
Product: Debt collection

I received a call from a  XXXX   XXXX  at  XXXX , stating that a case has been filed against me in  XXXX   County Court fo r some unknown debt. Upon checking the Clerk of Cou rts Online d atabase of filed cases nothing. I do n't know who these people are, who they purportedly represent. I just wish the CFPB would do their job and prosecute these people for their numerous violations  of Federal Law.
Product: Debt collection

I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF EDUCATIONXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Money transfer, virtual currency, or money service

As more fully set forth in the attached documents : On XX/XX/2019, an item I listed on XXXX, XXXX XXXX XXXX XXXX Graphic Card, was sold for a total of {$520.00} plus {$24.00} for shipping fees. The buyer received the item on XX/XX/2019 and then two days later on XX/XX/2019, filed a complaint with PayPal stating that they only received " some bubble wrap '' and " outside shell of product. '' PayPal gave me the chance to refute the claim. I refuted the claim and sent in evidence of a USPS receipt with the actual weight of the item listed at 4lbs 9.2 oz. I believed this was enough for PayPal to find my claim credible and  the buyer 's fraudulent but this was not the case. Before notifying me of their decision and without any warning, PayPal transferred the sale proceeds out of my account and into the buyer 's account, leaving me with a negative balance. Only after the transfer of my funds did PayPal notify me that my appeal was denied for vague reasons. I called PayPal again asking them to let me appeal their decision and they obliged. I uploaded an affidavit, an internet crime complaint, and a formal complaint. After receiving the information, PayPal has again decided to side with the buyer because " they provided valid documentation supporting their claim. '' I have never seen this documentation but am told it is the same IC3.gov claim  that I have filed.
Product: Credit reporting or other personal consumer reports

To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations.I recently reviewed my credit profile and noticed inaccuracies and false accusations and possible fraudulent accounts. Please note : The personal information listed below requires attention.
Product: Credit reporting or other personal consumer reports

Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!
Product: Credit card or prepaid card

I received a $ XXXXVisa card as a gift and I made one purchase for the amount of {$33.00} and another one for {$100.00} total, when I tried to used the card again it was declined so I check the card statement online and had XXXX balance because somebody use it in a location 40 mi.away from where I live I contacted the visa gift card customer service and they ask me for the card number as well as for the bar code number and they said theyll check for me so when I get back to check my card everything was removed from the system an unfortunately I did not screen shot the statement where it was showing where the card was used but I wrote it down and I have the card in my possession and Ive been trying to settle the dispute with the credit card company with no luck because they need the proof of purchase but I dont have it and Im not going to tell the person who gave it to me what happened is upsetting because if the credit card company check the card statement they easily find where the card was purchase so these is my last hope to recover the rest of the money thank you for your attention.
Product: Vehicle loan or lease

REQUESTED PAYOFF LETTER FOR AUTO LOAN PAID IN FULL ON XX/XX/2023. DMV REQUIRES TITLE ASAP! VEHICLE IS TO BE SOLD. THE BANK IS COSTING ME MONEY EVERY DAY THAT THE LETTER DOES NOT ARRIVE. 

PAYOFF LETTER WAS SUPPOSED TO ARRIVE NO LATER THAN XXXX BUSINESS DAYS AFTER PAYOFF. INFORMED THAT LETTER WAS SENT XX/XX/2023. LETTER DID NOT ARRIVE. REQUESTED FAX OF LETTER FROM XXXX IN CHAT SERVICES ON WED XX/XX/2023. NO FAX ARRIVED TO MY LOCAL XXXX, CO BRANCH. 

MADE XXXX PHONE APPOINTMENTS WITH XXXX XXXX TO GET UPDATES. MADE THIRD APPOINTMENT WITH XXXX XXXX SCHEDULED FOR XX/XX/2023 XXXX MST. HE NEVER CALLED.
Product: Debt collection

Synerprise Consulting is the debt collection agency in charge of collecting {$1400.00} from me for XXXX XXXX XXXX. I should not owe any amount. The out of pocket maximum for my health insurance at the time was {$4000.00}. The amount I paid for my XXXX  XXXX was {$4000.00}. The {$1400.00} was for when my XXXX XXXX  out after the XXXX and I had to go to the emergency room. But I already met my out of pocket maximum. The debt collection opened XX/XX/year>.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX credit card reduced my credit limit by XXXX to XXXX because the unauthorized check my credit based their decision on upgrade credit card report and Capital One credit card report.capital one has also reduced my credit limit which also has played a part in discussions with other creditors regarding XXXX XXXX XXXX XXXX. All my cards are decreasing my limits base on this sharing of information I did not authorized .while fighting unauthorized charges my credit score and reputation has decreased significantly. My information has been shared and now I received thousands of calls a week with people trying to verify my identity.The calls has massive increase of anybodies with my information. My information was found on dark web etc. My information has been shared to companies Ive never authorized or know of due to sharing of data and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a vacation in XXXX and my wallet got stolen. Two of my credit cards were used at a vendor that does not exist in XX/XX/2019 for the amount of {$4300.00} at XXXX XXXX XXXX XXXX, which does not even exist if you XXXX the vendor. 

My other credit card XXXX, immediately refunded the charge, but my XXXX XXXX XXXX XXXX credit card, did an investigation and said that the chip was inserted and there was a signature, so it was not fraud. Again my card was stolen, so yes someone may have put my chip in a reader and forged a signature, but I was never even presented the signature that they saw or verified against whether it looked like mine. Additionally there is no evidence that I was ever at this place by video or picture. 

The fraud was denied and appealed 5 or 6 times, with no real explanation and then finally they told me it would not be refunded and I would have to take it up with the credit bureau. But while it was under investigation I would not be responsible for the charge. So i did not pay the balance and now my credit score has dropped from an XXXX to XXXX. And all the credit bureau said was that my credit score was fine, they did not investigate the fraud any further. 

I have finally paid the balance to reduce further drop in credit score. I need help getting this solved, getting my money back and getting my credit score fixed.
Product: Credit reporting or other personal consumer reports

Someone used my identity for inquiries which I had no idea about and some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00}
Product: Checking or savings account

On XX/XX/XXXX I signed up for a Wesbanco checking account after seeing their promotion advertised for {$400.00} after making a {$500.00} direct deposit within 60 days. I took a screenshot of the promotion to ensure I would have the terms and show I was using it properly. ( Attached ). I applied through the " Apply Now* '' link on the page and followed the instructions to " Be sure to add promo code XXXX in your Shopping Cart ''. I copied ( Ctrl+C ) the code directly off that page, and pasted it in later to avoid issue. ( Attached where I pasted the code -- this screenshot is from today, not from XXXX for illustrative purposes ). I completed the application successfully and got a confirmation email. I had no reason to believe the promo was not recorded or would not be honored. I exceeded the conditions for the bonus. I waited for the payout, but didn't see it. On XX/XX/XXXX I decided to reach out and messaged through the bank 's system. I was then told that my account didn't have the promotion attached, and that the promo period ended XXXX ( which I found irrelevant since I signed up XX/XX/XXXX. ) After a few more messages where I insisted I did indeed enter the code and they must have an issue, I searched online and found forums with many others with the same issue. I read that some people who raised the issue did receive the {$400.00} credit, but that seemed to stop in XXXX. I called Customer Service and the agent told me ( on a recorded call ) that " tons of people '' called in with this problem and they used to be able to fix it until " marketing took that power away from us ''. 

I wonder now whether the issue was that I pasted in the code. I now understand that some websites may not properly ingest data entered via paste and not manually typed. If that is so, I argue that's a deficiency on their site that I have no control over and could not have known about. 

They know there was an issue with their system, they were acting to correct it and honor it, and then they stopped. I couldn't possibly have complained before XXXX since I needed to wait at least 60 days + 7 days, plus accounting for non-business days. 

I have tried to resolve it with Wesbanco to no avail. This company is acting in bad faith.
Product: Credit card

I purchased a gold coin through XXXX XXXX  and did not recieve the coin.I used paypal mastercard and opened a dispute with them.I sent them the pictures of the empty boxes and police report.They sent me a letter last week stating they have approved the dispute in my favor and have credited my account in the amount of {$2100.00}. I did not see the money being credited to my account, so i called them to day and was informed that no credit has been issued and that letter was issued because of a technical glitch. 
I have sent them the pictures of the tampered box which was used to send the gold  coin and the police report multiple times to them and they deny that they have received it.I spoke to a supervisor by the name of XXXX and she says that she can not see any documents sent over by me. The letter from last week said that after revieweing the evidence they are issuing the credit.The credit company is giving me various conflicting responses.
Product: Mortgage

My name is   XXXX   XXXX  . I am a loan officer with   XXXX   XXXX  . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by   XXXX   XXXX   XXXX   XXXX  . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to   XXXX   XXXX   ( despite the fact that   XXXX   XXXX   has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.
Product: Mortgage

When my mortgage fell below what I paid for my home, I submitted a PMI deletion request. After the 30 day wait period, I contacted them asking for confirmation that it was removed. 

They informed me that they had concluded my LTV ratio was 88.6 % and that I could do a one-time payment of {$14000.00} to fall below 80 %. Based on these numbers, they value my home at {$160000.00}. This is less than I paid for it ( and I got a great deal at that when I paid {$160000.00} back in 2019. Their website says that I owe {$130000.00}. By numbers entirely gathered from them, I should have a LTV of 79.74 % and eligible for PMI removal. 

I asked to be escalated and was told that it could be up to two months to hear back from them. When I called their help line, I was told the PMI department did not have a contact info and that I should use the email given. I sent an email and only received back an auto-reply.
Product: Credit reporting or other personal consumer reports

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : Consumer Portfolio Services XXXX