23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a dispute for item not received from the merchant XXXX XXXX. XXXX XXXX has not been working with me and scammed me by not sending the item or to the correct address as agreed and discussed. Filing the dispute with my credit card company they were supposed to assist and help me get my refund as its the merchant did not follow FTC laws. Or supply any documentation that backed their claim/ reason/ emotive for not sending refund. As the information merchant did supply it did show they did not deliver the product to the correct address as agreed. Then stated the consumer was the one lying when this was not the case. My credit card company saw this and did nothing only to send them a form to say that they would accept liability and as the merchant trying to scan they did not XXXX is not upholding their duties as for dispute knowing that I still have to pay them and responsible for the funds when that is not the case in all documentation Shown by both the consumer and documentation by the merchant shows that I am not responsible. The credit card company refuses to acknowledge this or do their duties as a payment processor. The merchant even said they were issued me a refund and did not and my payment processor/credit card did nothing and continues to tell me they can do nothing when I know that its not the case.
Product: Payday loan, title loan, or personal loan

I called XXXX around XX/XX/XXXX XXXX XXXX  and attempted to enter into a payment agreement. Per the attached statement they told me that my minimum payment due was {$96.00} and my payment was already reduced. They asked me how much lower I needed the payment. I told them that I could make the payment and asked if that would stop my account from becoming a charge off. They agreed that if I made the {$96.00} payment it would resent my past due amount by XXXX days and help me catch up. On XX/XX/XXXX I was notified that my account has gone past XXXX days and is charged off. The agents incorrectly read the last payment in the amortization schedule as the current amount due when in fact the payment due was {$310.00}. I was given incorrect information by the creditor which lead to the charge off. I also submitted more than XXXX research request and they refused to rectify the situation. I am requesting the charge off be removed from my account, and the payment history of the original loan be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a XXXX  XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used to access credit fraudulently on my behalf without my knowledge or consent. I applied for a homeloan and noticed several discrepancies. The accounts list as XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These are all accounts that I have never done any business with and are now hurting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in the unauthorized opening of multiple fraudulent accounts in my name. These accounts were established without my knowledge or consent, and I am requesting your immediate intervention to address and remove them from my credit report. 

ACCOUNTS - XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and expect these fraudulent accounts to be expeditiously removed to ensure the integrity and accuracy of my credit profile.
Product: Credit card or prepaid card

Corporate AccountBusiness Card Account layer sort byAmount in descending order Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE*XXXX Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE* activity type Fee {XXXX} Show additional information for activity type Fee {XXXX} LATE PAYMENT FEE LATE PAYMENT FEEXXXX Show additional information for activity type Fee XXXX LATE PAYMENT FEELATE PAYMENT FEE activity type Fee XXXX I am set up auto payment and have been for years. I called in to question why there was a late fee charge of XXXX? 
The women stated that Bank Of America did maintenance on their system and it lost my auto payment of full each month so she set me up again which I am not confidant she knew what she was doing so I paid the amount on line. Now today, XX/XX/22 she told me she would reverse the late charge of XXXX  but she failed to do so and now they added another fee of XXXX. 
Bank of America has committed Credit Card Fraud.
Product: Credit card

I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).
Product: Credit card or prepaid card

In XXXX of XXXX Bank of America reported a 30 day late to the credit bureaus which is incorrect. I make my payment on time every month. There was a balance that I was not responsible for due to Fraud but I still made my payment. Bank of America confirmed this was an error and said nothing was reporting 30 days late during this period however it still shows on my credit. I requested Bank of America to correct this on multiple occasions with the credit bureaus and when I followed up with the credit bureaus and disputed this inaccurate information they advise that Bank of America confirmed the 30 day late in XX/XX/2017 but when speaking with Bank of America they advise nothing was confirmed and to open a new dispute with the credit bureaus but I was informed a new dispute could not be opened. I am requesting the inaccurate 30 day late reporting in XX/XX/2017 be removed from my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive provided Equifax with all of the information requested in XX/XX/XXXXand XX/XX/XXXX and they investigated the information. I provided the identity theft documentation and the information was investigated and deleted from my credit report after reviewing the information. According to Fair Credit Act, the credit bureau is supposed to protect consumers from the information reappearing on their reports. I provided them with a copy of my credit investigation from their company, showing the information was deleted and they would not immediately take this information off of my credit report. I also had a credit report sent to me on XX/XX/2019 and this information was not on the credit report after filing a complaint about the removal of inquires for credit in which i did not apply. I am requesting that they remove this previously investigated information from my report : 1. Bankruptcy-Reference XXXX-deleted in previous investigation 2. Bankruptcy-Reference XXXX-deleted in previous investigation 3. XXXX XXXX-Not my account I am also requesting the removal of the following accounts that do not belong to me immediately. These accounts are 2-3 years old and have never appeared on any of my credit reports, thus are not my account and belong to someone with a similar name and different social security number. 

1. XXXX  XXXX XXXX-Not my account-mistaken identity 2. XXXX XXXX $ XXXX-Not my account-mistaken identity 3. XXXX XXXX- $ XXXX-Not my account-mistaken identity 4. XXXX XXXX- $ XXXX-Not my account-mistaken identity 5. XXXX XXXX-not my account-mistaken identity 6.XXXX XXXX-not my account-mistaken identity I request the immediate removal of these accounts off my report!
Product: Checking or savings account

On XX/XX/XXXX, i made a purchase from XXXX using my chime debit card. It was misdelivered based on the picture provided by XXXX. They originally claimed there was nothing they could do since it was marked as delivered. So i filed a dispute with chime. During this time XXXX had contacted me and asked for information. I responded with the necessary information but never heard back. On XX/XX/XXXX, i get an email that they supposedly investigated and found that no error had occurred so they denied the claim.
Product: Money transfer, virtual currency, or money service

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX
Product: Debt collection

I have been requesting proof that the debt is mine I been provided with a letter to a XXXX XXXX here is case law and proof that I have been in prison since XXXX so who ever u was communicating with was obviously not me and that was public record a proper investigation would have should that I was in prison the time u supposedly was mailing me letters and thats clearly indication of your un ethical practice and a letter telling me u will not conduct any more investigation when I am clearly showing u that its obvious u did not communicate with me In XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter disputing all the inaccurate addresses they are reporting on me. 

The following addresses are inaccurate and I want them deleted from my report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The ONLY correct address for me is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX already sent them a letter explaining that these addresses are inaccurate and could put me at risk of identity theft. I do not want my sensitive information to be sent to the wrong address. I will attach the letter to the complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate the XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( 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.
Product: Mortgage

We have been having problems with select from the very beginning. We tried to do a modification, we made every payment on time. We never received the final paperwork to complete the modification. We later tried again and the same thing happened that time as well. We want to stay in our home but we want to do a modification. We continue to make payments every month and they send them back every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( ca n't remember exact date ) I called XXXX for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel XXXX, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep  actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate XXXX for it. All I wanted was some unauthorized inquires deleted. That 's it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from TransUnion, XXXX an XXXX XXXX XXXX that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the 30-day period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus States my account properly investigated but XXXX is that possible is there The past due balance that the creditor is reporting is incorrect the creditor reported I owed XXXX When I do a breakdown of my Explanation of Calculation of Surplus or Deficiency which I requested from the creditor is a breakdown of what I owe after the car was sold in auction on XX/XX/2022 Which left me a Balance of XXXX The creditor is reported to the credit bureaus this is a violation of my rights and I would like this to be investigated as of XX/XX/2022 its still showing on my credit report on all three bureaus that I owe XXXX this is incorrect when the car was sold to a third-party Also The address listed XXXX XXXX XXXX XXXX Fl XXXX XXXX listed on my XXXX Report as the address linked to this account number XXXX XXXX Account number XXXX when I do a thorough investigation on my three credit report I see that this account is not linked to any address on my Equifax XXXX XXXX account XXXX XXXX But when I look through XXXX XXXX XXXX XXXX XXXX Fl XXXX is linked to this address which mean everything on or three credit bureaus is not accurate I would like you to do an investigation on all three bureaus on the address link into the account number XXXX and to make sure that all addresses are matched and linked to this account accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 2 : it States A customer reporting agency can not furnish A account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation in the night give me a tracking number which is in direct violation
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee.

This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on TransUnion, They are not reporting on XXXX or XXXX, only TransUnion, I do not recognize these accounts : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has broken several consumer protection laws and has violated my consumer protection rights for over a year now. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Product: Checking or savings account

On XXXX XXXX XXXX  I called Chase Bank to report a transaction from XXXX that I didn't recognize on my account in the amount of {$610.00} and they opened a claim. XXXX XXXX XXXX XXXX XXXX  and had misplaced my debit and initially assumed it was a fraud transaction. However, when I later spoke to my husband he told me that he had to re-book a flight through XXXX and was charged that amount ( we share an account ). Because I had reported the charge as an unauthorized transaction, on the day of his flight XXXX XXXX XXXX XXXX  ), XXXX required him to make that payment again since the initial was reversed by my bank ( bc of the claim I made ). He made the payment at the XXXX desk counter at the airport ( receipt attached ). As this is happening, Chase still had to resolve the claim I submitted so they reached out to XXXX to confirm that the payment on XX/XX/XXXX was in reference to recovering the loss funds on XXXX XXXX XXXX Instead, Chase has informed me that XXXX said these are two different payments which is not true. On the receipt I've attached, it even lists " loss recovery ''. Chase has now taken that {$610.00} out of my account and essentially I am now being charged TWICE for one transaction. Chase has informed me that I need to resolve this with XXXX and so far I have been unsuccessful in getting anyone to assist me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the erroneous account being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX Balance Owed : {$39.00}