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

I already recently filed a complaint against Exeter XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past XXXX on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, Exeter had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from XXXX months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past XXXX, I asked what would now be my balance? XXXX  declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the three credit bureaus ( XXXX, XXXX, and Experian ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act Capital One has violated my rights! Under Act 15 U.S.C 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XXXX, Ingo rep said im not sure when I asked what information is not able to be verified. She didn't provide any solution, she didn't tell me why my when I emailed in XXXX I never got a reply when ingo said they will have risk management contact me within XXXX hours but it never happened, same thing happened in XXXX.
Product: Credit reporting or other personal consumer reports

I am reporting inaccuracies related to a child support account ( XXXX XXXX  XXXX XXXX ) listed on my credit report. TransUnion is reporting a balance of {$3700.00}, while XXXX shows a balance of {$4300.00}. Additionally, the payment history is erroneous, with TransUnion reflecting XXXX late payments over XXXX years and XXXX reporting a single XXXX late payment in XX/XX/year>. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information. XXXX failure to investigate thoroughly, as highlighted in the CFPB 's recent lawsuit, is concerning, and I will pursue legal action if this issue is not resolved. Please remove this account from my credit report immediately. Attached are relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account XXXX  XXXX XXXX  is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX  XXXX  is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX XXXX is  fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX  XXXX   is fraudulent on my credit Account
Product: Checking or savings account

I used my Citibank debit card on XX/XX/year> at the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. However, when I tried to either swipe or insert the card, the card didn't seem to work, and no payment was made. My account was blocked and under review after I tried two or three times. I called Citibank service immediately, and the person on the line told me Citibank would finish the review process, and someone at the fraud department would contact me within 24 hours and at the end of that business day. At this time, I found that the checking account in my online banking account had disappeared. 

Despite my initial trust in Citibank, I have been left in a state of uncertainty since the incident. I have made over XXXX calls to the Citibank fraud department and visited offline branches XXXX times. However, each branch visit only resulted in a staff member assisting me to call the same number. When I called the number independently, I received the same response each time : 'We have escalated your case, ' 'You will be contacted within 24 hours/at the end of the business day '. 
What seems much more ridiculous is that I haven't received any call or response from a Citibank representative. Everyone asked me to wait but refused to give me an exact time. This was a tremendous amount of money ; without it, I couldn't afford my rent or tuition, which heavily affected my credit score. Even if I would like to end my relationship with the bank or close my account, they asked me to wait until the review process was complete. 

Additionally, I called Citibank right after my card seemed to need fixing and confirmed the payment was made by myself instead of anyone else. Someone told me the fraud problem had already been resolved, but the checking account was still disappearing, and I couldn't use any money. 

I want to know why Citibank did this after I immediately confirmed with the representative and constantly lied. Everyone promised that someone would get back to me, but I haven't received any response for three weeks.
Product: Debt collection

THIS DEBT WAS DISCHARED THROUGH A COURT RULING AND I WANT IT TO BE REMOVED FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my XXXX XXXX. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my XXXX XXXX. XXXX points.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes. 
3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future. 
4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX  ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX ACCT XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had a money transfer into the account by accident and I told them to refund me they refused to refund me I told to to close my account and they are refusing to close my account because of its negative balance there is no need for the account to stay open. I told them multiple to close it and they wont
Product: Mortgage

I have taken on serious financial hardship since the start of the corona virus that has permanently shifted my options for work. In order to avoid foreclosure on my home I have started renting my space on XXXX XXXX  full time in order to avoid defaulting on my mortgage. When my financial straights first began occurring an individual from CMG Mortgage told me about the option of doing a permanent loan modification which had the ability to radically reduce my monthly payments and make my living circumstances more manageable. I submitted all my documentation to begin this process in the month of XX/XX/2020. During this process CMG has lost my paperwork on two separate occasions. They never reported to me an update that the paperwork was lost or incomplete. I had to call to check in and found out on my own. My calls were dropped by work at home employees on over two dozen occasions after 1+ hour wait times on the phone. I have been put into forbearance without my approval on 3 separate occasions now since this process has started without any request on my end. I didn't even realize I was on forbearance until I have called in to check on my loan modification. The last submission I did for my loan modification was two week ago. This was made because underwriting at CMG decided my circumstances didn't seem permanent enough to approve me for a LM. I adjusted my hardship letters to better reflect my circumstances and finally was approved for the loan modification today. The kicker is that I was only approved for a now temporary modification of 30 days. Given the nightmare costumer service I was receiving I began recording phone conversations with the representatives I was speaking with in the loss mitigation department. I have recording of multiple employees telling me that this modification would be a permanent adjustment to my loan 's interest rate reflected on the current principal balance on my loan. This company has put such dramatic strains on my well being that I almost see no other option but to file a lawsuit in some capacity if something is not done. I was told a supervisor would be contacting me within 24-48 hour but I have been told on multiple occasions that this would occur and it never has. I am at my wits end and am not sure what action I can take in order to protect myself at this point. This mortgage company should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX   XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Debt collection

Upon deciding to have a medical procedure done, and only having Medicare as my primary insurance, I was lead to believe that if there was a co-pay there would be assistance available to me that would cover the co-pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. Both accounts are from XXXX  XXXX ; I have never open an account with that company and I do not have any contract with them nor am I affiliated to them in any way. I don't know who is responsible for these accounts since I did not authorize anyone to open them in my name. I did not benefit anything from these accounts such as money, services, goods or anything else nor did I ever make any payments towards these accounts. I have already filed a police report regarding these unauthorized accounts in hopes of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit card

The company Fraudulent information in their response to the last complaint should be reviewed thoroughly. I never had a balance of more that XXXX. The bank has stolen my deposit by charging annual fees, Fraudulent charges, and subsequent charges that was not agreed upon. The bank charges are correct. 

The bank provided different amounts of charges without any evidence. The charges accessed to the account includes fraudulent fees and retro charges for the fraudulent charges. The company credited the Fraudulent to the account, then charged the purchases back to the account. The company would like the cfpb to believe that a {$300.00} credit card accumulated charges of more than {$700.00}. I believe this is a scam to retain the deposit. 

The bank never address the Fraudulent charges that was charged by their employees. The company delayed action in XXXX 2015 with respect to the Fraudulent charges and subsequent fees to avoid or delay prosecution.
Product: Credit card

I HAVE NO KNOWLEDGE OF AN ACCOUNT BEING OPENED WITH CAPITAL ONE. MY IDENTITY WAS USED TO OBATIN A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.
Product: Credit reporting or other personal consumer reports

I sent each creditor XXXXXXXX XXXX XXXXXXXX, Chrysler Capital, and XXXX XXXX XXXX all a letter asking for personal information regarding my accounts. They never sent me anything I will be uploading the letters that I sent to each creditor.
Product: Vehicle loan or lease

I am having a hard time due to the coronavirus pandemic my hours have been cut which caused me to fall back on payments for rent and car. I have explained to Bridgecrest what was going on I keep getting harassing phone calls looking for money that I dont have And its very irritating Im trying my best to do what I can but this company is very unhelpful during this time
Product: Money transfer, virtual currency, or money service

Someone accessed to my online banking and made {$500.00} XXXX transfer to someone I dont know or I did not authorize on XX/XX/2022. I called the bank right after I got a confirmation email from the bank and noticed this was not made by me. I filled a claim right away but the bank told me the transaction was made by me and closed the case and told me they can not credit the {$500.00}.
Product: Money transfer, virtual currency, or money service

I asked Paypal account to close my account and delete my personal information from their database. But Paypal will not let me close my account unless I send them a government issued photo ID such as a driver 's license or a passport plus proof of address. 

I do not want to give them more information because their data is not secure. I have not used this account in years and do not owe Paypal or their subscribers any money. The following is the complaint that I submitted to PayPay on their online form requesting account termination : " I have not used this account for years. I am getting scam phishing emails from thieves purporting to be from Paypal. Obviously your security is not that good. For that reasons i do not want to give PayPal more information to close the account. '' XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT NOT A 3RD PARTY AGENCY OR A CREDIT REPORT AGANECY SO PLEASE STOP WITH THE STAL TACTIC RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX .
Product: Mortgage

I AM APPLYING FOR HARDSHIP ASSISTANCE AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX/XXXX/XXXX AND WENT TO THE UNDERWRITING DEPARTMENT FOR FINAL STAGE. NO DOCUMENTS ARE BEING REQUESTED SINCE THE FILE HAS BEEN DEEMED COMPLETE AND I ASKED IF MY FORECLOSURE PROCEEDINGS HAS BEEN PLACED ON HOLD AS I READ THAT IN THE FHA GUIDELINES THAT SHOULD BE DONE ONCE DEEMED COMPLETE AND PER MY SERVICER WHICH IS PACIFIC UNION FINANCIAL STATED THAT THEY DONT HAVE TO AND THEY WILL NOT. BY THE SOUND OF IT MY SERVICER HAS GONE ROGUE AND NOT WILLING TO COMPLY WITH FEDERAL REGULATIONS AND FHA GUIDELINES. I NEED HELP ...