23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a PayPal credit account for over a decade. They have recently become more and more annoying to do business with so I decided to open a new credit card with XXXX XXXX and balance transfer the remaining PayPal credit balance to end the financial relationship. 

I opened the XXXX XXXX account on XX/XX/XXXX and initiated a balance transfer. To do so, I had to gather the PayPal credit account number, which they do not provide. They give only a part of it. To get the full number, I had to pull a credit report. I set up the transfer as per instructions by XXXX XXXX. 

On XX/XX/XXXX, I contacted PayPal customer service to check the status of the account and was told in no uncertain terms PayPal Credit does not do balance transfers in or out. So I utilized the balance transfer checks XXXX XXXX provided to write myself a check and deposit it, then pay PayPayl Credit. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating my balance transfer was approved. I assumed it was for the check, until I checked my XXXX XXXX account and saw two transfers and two fees. I immediately contacted XXXX XXXX who were extremely helpful and understanding, but unable to reverse those charges. I was directed to contact PayPal.

I contacted PayPal on XX/XX/XXXX, once the overpayment was registered in their system, to request a refund. I was told a check would be processed and I'd receive it in 7 to 10 days. 

Today, XX/XX/XXXX, still having no sign of the check, I contacted PayPal credit again and was told the original time frame was incorrect because " reversing a payment '' takes 2 to 3 weeks. So at this point I'm stuck with a double charge on my credit card, two balance transfer fees, and the end of the month looming to just be extra sure I accrue extra interest, all because PayPal Credit gives incorrect information and refuses to account for why I was told things incorrectly or to expedite the solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX loans when XXXX loan payments were paused last year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the three major credit bureaus XXXX, Experian, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXX of XXXX, and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFIABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

Account # XXXX - Delete this erroneous account IMMEDIATELY! 

Several problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. 

If EQUIFAX really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX. It should state XX/XX/XXXX because that is the date they received the dispute and began an investigation.
Product: Bank account or service

I currently work for an XXXX. Months ago my card was hacked and it took almost two months for regions to rectify the situation. They sent me letters that miscalculated the costs which led me to believe they had not returned all the funds. In fact they had but their " specialist '' did not do his math calculation correctly. 

Thats right, an employee of a bank did n't add correctly. It gets worse. 

Now, as they send me a new card they stated in their letter that the pin of the card would stay the same. That did not happen. I tried to access my account with the new ATM card and it was denied. I call them up from XXXX and when I get to a person on the phone, probably a call center, the person on the phone informs me that XXXX has been " blacklisted '' by the United States government. He said that mean while I was living and working in XXXX I would never be able to access the card. I had to leave XXXX for it work. I was shocked because friends who work at the US Embassy and other friends had not heard of this. 

Why have they not heard of it? Because it was n't true!! 

The man straight lied or got misinformed by someone else saying the USG blacklisted XXXX. I called them back after checking the news to make sure I this man was inaccurate in saying that. I request a supervisor this time, someone who works at Regions directly, perhaps the previous man did not. I explain to her the situation and inform her of past information given to me. She apologizes and informs me I have to wait 5-7 business days for a letter that has my new pin # in it. 

So my complaint is based on important facts. Regions employees did not add the math correctly in the XXXX 2017 falsified transactions. Additionally, when it came time for me to access the card and my pin was rejected the person I contacted told me XXXX was " blacklisted '' by the United States government. That is a total and complete lie given to me about not accessing my money in Regions bank and it was the spread of misinformation which is not only complaint worthy, it is also worthy of legal proceedings against Regional Financial Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account. 
DEPT OF EDXXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX
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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Violation of FCRA Rights Dear XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX I am formally requesting the immediate deletion of my account with Current from my credit report, operated by XXXX XXXX , as previously requested on XXXX, XXXX XXXX. They have refused to close my account which violates my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unfair practices and ensures our right to control our financial accounts. 

Additionally, Current is not reporting this account accurately to all three credit bureaus. Under the FCRA ( 15 U.S. Code 1681 ), credit reports must be XXXX % accurate. I therefore request that this account be closed and deleted from my credit reports to comply with federal law. 
If this issue is not resolved, I will consider further legal action. 

Please confirm my account closure and deletion immediately.
Product: Debt collection

I had previously reached out to Synchrony bank regarding their collection tactics last year, due to their excessive calls during the day and told them to cease and desist. They did and later on I ask that they resume collection efforts thinking that they would have updated their policies toadhere to the FDCPA, but they have not. As of Wednesday, XX/XX/XXXX they have called me twice a day every day, which violates the harassment and excessive phone calls clause of the fair debt collection practices act. Which I have previously notified them of their violations of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Full File Disclosure and Updated Credit Report Dear Experian Team, I am writing to formally request a full file disclosure of my credit report under the Fair Credit Reporting Act ( FCRA ). Please provide me with a complete copy of all the information in my file that is maintained by your bureau.

If for any reason you are unable to provide a full file disclosure, I kindly request that you send an updated copy of my credit report to my address listed above.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information to process my request.

Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting

One three separate occasions since XXXX XX/XX/XXXX I have had to contact Ocwen Loan Servicing so they could update my Date of Last Activity from XXXX XX/XX/XXXX ( incorrect date they keep reporting ) to XXXX XX/XX/XXXX ( correct date ). On all three occasions they have made the change, it has reflected properly on my XXXX ( no other has the account on their files ) to than five days later go back to showing the wrong date. we are now on the fourth time this same thing has occurred. Ocwen needs to be punished for doing this to a consumer. I have been denied credit, been unable to buy a car and most important refinance my house all because they are incompetent. I have been trying for 9 months to fix.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have a commercial line of credit with KeyBank for my law firm. 

I have been unable to process payments online for that account for months. 

They have not indicated when it might be fixed, but did state that it had to do with " migrating '' accounts that ended in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So here I am to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry in my report, I dont recognize. the company name is FLAGSHIP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the CARES Act of 2020 due to fraudulently reporting my federal student loan as delinquent or in default. Due to the CARES Act of 2020, ALL federal student loan payments have been suspended until XX/XX/2020. Equifax has again shown itself to be INCAPABLE of maintaining current or truthful information for individuals ' credit reports. Equifax needs to be CLOSED completely due to their incompetence or it needs to be SANCTIONED for fraudulent credit reporting practices. Hardworking Americans already have enough to deal with without Equifax tanking credit scores because it too lazy or XXXX to stay on top of current information.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX GA XXXX I XXXX XXXX am submitting this complaint on my own behalf Re : Inaccurate Late Payments-Immediate action required I noticed that you're continuously reporting errors on my credit report, after my initial disputes indicating that I was late on the account noted below : XXXX XXXX  XXXX Please explain how you can report these negative marks when I was never late? I am demanding proof showing I was late.You never proved that I was late, Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information on my credit report.

Under 15 U, S, Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged late payment to my credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed thru a data breach and my privacy was invaded and exposed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the following items : XXXX XXXX XXXX., XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to fradulent and unauthorized accounts on my credit report. i sent out disputes on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/inquiries accounts. The fraudlent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXX, balance XXXX The fraudulent inquiries that I am referencing consist of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX For XXXX : XXXX XXXX off Account without an issuance of a 1099C.

Requesting a 1099C on the accounts listed below. This is a follow-up to the letter I received about the charge-off accounts listed below That I never received a 1099C ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX || XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
Product: Credit reporting or other personal consumer reports

my credit report should reflect my current address which i resided over 10 years. experian has not updated my report to reflect only that address however i reached out to XXXX and XXXX  both updated my personal information to reflect the correct information. only experian has not complied with the FCRA. I have included again a notarize letter signed by a notary attesting to fact that I live at my current address and to remove the other addresses on my experian account specifically XXXX XXXX XXXX in virginia and the po box on new york needs to be removed as well. i will up load documents to support my dispute.
Product: Credit reporting or other personal consumer reports

An account has been deleted for inaccurate information on my consumer report. It has come to my attention that Experian has violated section 1681i ( B ) ( ii ) Notice to consumer. I was never notified of this account being reinserted on my consumer report no later than 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX  : {$44000.00}
Product: Mortgage

Hello, I'm the XXXX of an XXXX for both my XXXX XXXX 

Wells Fargo lied to me when they put me on the forbearance plan. 

They put me on XXXX for 18 months, but told me I would be able to defer the payments to the end of the loan. 

Now they are demanding for the entire 18 months worth of payments at once. 

Now they are saying they can not defer the loan payments and are foreclosing on me. 

I can't get a hold of anyone at the Bank to talk to me about my XXXX XXXX, and nobody to help me through the process. I submitted the loan modification documents. 

They did send me an apology letter saying that they listened to the tapes, they did in fact give me the wrong information over the phone. 

Their sorry letter isn't going to stop them from foreclosing on my house and I'm wondering how many other people they are lying to like this. 

I have over {$400000.00} in equity on my home, and only {$200000.00} in debt. 

There are XXXX " Home equity '' lines with them. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is reporting 2 derogatory accounts on my Transunion, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report XXXX XXXX XXXX  {$610.00} and XXXX XXXX  {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, Transunion and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.