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

I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. XXXX has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
Experian added XXXX XXXX, XXXX. 
I asked that the following addresses be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Also The following Collection companies as I don't owe them anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( alXXXX XXXX  Bureaus ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all XXXX  Bureaus )
Product: Checking or savings account

On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Product: Credit card or prepaid card

We purchase a ring in XXXX XXXX for the amount of XXXX last XXXX XXXX. The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. XX/XX/XXXX we know were done but we received a bill for XX/XX/XXXX ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of XXXX and they added finance charge of XXXX on XX/XX/XXXX and another finance charge of XXXX on XX/XX/XXXX. I called the customer service of Comenity, spoke to XXXX and Supervisor XXXX, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and XXXX XXXX XXXX are all closed.
Product: Debt collection

They are reporting that I have an unpaid debt with them of {$1500.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 178 consumer complaints listed on the XXXX XXXX XXXX XXXX website. It is also listed that they are based in XXXX XXXX, XXXX  and I have never lived in XXXX  in my life. I live in XXXX. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Debt collection

I am writing to dispute the inclusion of a collection account on my credit report furnished by AMSHER COLLECTION SERVICE account number XXXX. The furnishing of this account is in violation of the Fair Debt Collection Practices Act 15 USC 1692, as I have never agreed to conduct any business or entered into any contractual agreements with this company.

Given that I have no established relationship with this collection agency, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. AMSHER COLLECTION SERVICE has also failed to provide me with a strict proof of contract with my signature specifically naming this collection agency ( ASHMER COLLECTION SERVICE ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore AMSHER COLLECTION SERVICE did not follow proper protocols and is non-compliant with the FDCPA.
Product: Debt collection

I paid off my student loans from XX/XX/XXXX XX/XX/XXXX. I have a pdf file from the company congratulating me on paying off those loans. I have new loans from this company from XX/XX/XXXX, of which I recently put into forbearance due to a medical issue that occured a month ago. I believe that when they put my new loans into forbearance, something happened in their system, and started charging me late fee for my PAID loans from XX/XX/XXXX, which are now accrued to a total of {$40.00}. They have proceeded to call me 6 times in 24 hours trying to receive payment for this amount. I answered the phone the first time, and let them know their system was incorrect, and the person on the phone was able to see that i was correct and would notate it and inform a supervisor to fix this issue ... however, i have continuted to get calls every 3-4 hours.
Product: Checking or savings account

XX/XX/2023 XXXX took {$140.00} dollars out of my account an it was more then they should have it was taken at XXXX eastern time. I tried to contact them an they kept giving me the run around an not really answering my questions
Product: Credit reporting or other personal consumer reports

My XXXX loan started with XXXX XXXX then went to XXXX XXXXXXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting my father 's credit report -- he passed away last XXXX -- we had the same name -- I sent them a letter with a copy of his death certificate and asked them to straighten this out -- it appears they won't do anything without my ss # -- I'm not comfortable giving that out especially to a company that is so inadequate -- also I have tried by phone to get this taken care, I get nothing but the runaround
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX of the current month, I tried to make an international transfer from the Transferwise platform ( Transferwise.com ) in US dollars, to a bank located in XXXX ( XXXX XXXX XXXX ). The information they gave me from the recipient bank was that I had to transfer the money to the intermediary bank : ( XXXX XXXX, XXXX XXXX ) as an ACH transfer. That was effectively what I did. The account number they provided me was XXXX ( will be provided later if needed ). The transfer was made for XXXX USD. 

On XX/XX/XXXX Transferwise confirms that the transfer has been completed. A few days later I contacted the owner of the account that should receive the funds and she confirmed that she did not receive them. Until today the funds were not received and from the receiving bank they know absolutely nothing and did not give me any response. 

I have received the following responses from Transferwise : Hello XXXX, Thanks for reaching out to us. 

I took a look at transfer # XXXX and can see that it was sent to the intermediary banks details that are shown on the document you've sent us. 

I have attached a transfer receipt to this email. Providing this receipt to the intermediary bank, and asking them to reject the funds, may help to get this money back to you. 

If the payment is rejected successfully, the funds would be sent back to us and we would notify you via email with the option to change the bank details of this transfer and send the payment out again, or, you'd be able to cancel the transfer and receive a refund. 

However, I'm also going to reach out to our payments team here to see what they would advise in this particular situation. We'll be following up with you via email as soon as we hear back from them. 

In the meantime, if you have any questions, please don't hesitate to ask. We are always happy to help. 

Best wishes, XXXX TransferWise After that I have sent more queries and have not received answers. Anyway, I don't know where my money is. I have also tried to contact XXXX NY to no avail so far. 

What I would like is for my money to go back to my transferwise account so that I can withdraw the money and pay my provider.
Product: Credit reporting or other personal consumer reports

Received XXXX XXXX notification of hard inquiry made on XXXX by JPMCB Card Services. Change in credit score was lowered by XXXX. 

I have not applied for any type of credit recently either through cards, loans, etc. 


Thank you for your assistance in this matter.
Product: Credit card

I asked Chase bank to file a dispute with a company, which never delivered the product that I purchased in XX/XX/year>. Chase customer service representative told me that they will provide a refund and dealing with company. I did get a refund at the beginning, but Chase charged me again for {$2800.00} without my permission.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below, as I do not recognize these accounts. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

( SEE ATTACHED ) Also See identification attached
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account ( EMAIL ADDRESS : XXXX ). I strongly believe that this limitation has been placed on my account due to a mistake on PayPal 's part. 

I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have always conducted my transactions on PayPal in a lawful and honest manner, and I have always been transparent in my dealings. 

Therefore, I request PayPal to re-investigate my case and review my account in detail. I am confident that upon review, you will find that there has been no violation of your policies or any suspicious activity on my account. 

I understand that PayPal takes its policies and procedures seriously, but I hope that you will also take into account the inconvenience and distress that this situation has caused me. I have been a loyal PayPal customer for many years, and I rely on my account for my business and personal needs. 

I kindly request that you restore my account if possible, as it is essential to my daily transactions. I would be happy to provide any additional information or documentation required to assist with your investigation. 

Thank you for your time and consideration. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX   XXXX {$7300.00}
Product: Consumer Loan

be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS STILL REPORTING A FRAUDULENT BANKRUPTCY AFTER INFORMING THEM SEVERAL TIMES THAT IT IS FRAUDULENT. THEY WONT EVEN INVESTIGATE THE MATTER. XXXX REPORTS THIS FRAUDULENT BANKRUPTCY CASE NUMBER XXXX BECAUSE ITS REPORTING ON A FILE FROM THIS COMPANY. I HAVE INFORMED THEM SEVERAL TIMES THAT THE BANKRUPTCY IS FRAUDULENT AND THEY DON'T CARE TO EVEN INVESTIGATE THE ISSUE. I FILED A IDENTITY THEFT REPORT TO REPORT THE CRIME AND INCLUDED THAT REPORT WITH MY DISPUTE TO THE COMPANY. THEY INFORMED ME THAT THEY ARE NOT A CREDIT REPORTING AGENCY AND THEY ARE NOT SUBJECT TO THE FAIR CREDIT REPORTING ACT. THIS COMPANY HAS BEEN SUED BY HUNDRED OF PEOPLE REGARDING THE SAME ISSUE. I AM WORKING WITH A LAW FIRM TO START A CLASS ACTION LAWSUIT AGAINST THIS COMPANY. SO FAR WE HAVE A PETITION WITH 998 PEOPLE. THE UNITED STATES COURTS HAVE DEEMED THAT THIS COMPANY IS IN FACT SUBJECT TO THE FCRA AND THEY CHOOSE TO IGNORE IT. THIS IS NOT GOING TO BE ACCEPTABLE. I HAVE LOST OUT ON HUNDREDS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUDULENT BANKRUPTCY REPORTING AND IT ALL STEMS FROM THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. XXXX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on XXXX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image aa : is the non working XXXX online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and trans union as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.
Product: Checking or savings account

On multiple occcasions ( starting on XX/XX/2023 ) I have submitted assistance regarding identity verification so I can utilize all of the functions regarding my Cash App account. I have had 4 cases closed and new ones opened because they refused to help me multiple times and I have spoken to multiple different representatives including someone who claimed to be in management. There has been no correspondence and no resolution with my issues.
Product: Mortgage

This is now my 4th complaint with NO resolution and cooperation from Homepoint Financial. Since my open / current complaint on XX/XX/2020 I now have yet another issue with this mortgage company. As directed by my housing councelor, and the state of indiana HUD ( indiana Hardest Hit Funds ) I began making my regular mortgage payment as of XX/XX/2020. My payment of {$830.00} on XX/XX/2020 was received, accepted and posted to my mortgage account. My payment of XXXX on XX/XX/2020 was received and rejected and sent back to my bank on XX/XX/XXXX. My housing councelor has made several attempts to contact Homepoint Financial without any success. We are preparing a letter to send to the state senator for review of our ongoing issues since Homepoint Financial took over my mortgage from Stonegate Mortgage.
Product: Debt collection

Noticed on my consumer profile that this closed account was on my file, i have no clue as to this company and did not authorize this account.
Product: Checking or savings account

The issue is I got a text claiming to be from Bank of America saying my account is frozen due to suspicious activity and gave me a link to click. 

Banks don't do that with a mysterious link. 

I logged directly into my bank account there was no suspicious activity nothing was frozen blocked, etc. 
Phone number is came from is XXXX. 
Bank of America : Your online account is temporarily locked due to suspicious activity. Please login and verify your information here : XXXX That is not Bank of America link , I do not click links. Bank of America uses 800 numbers, even though their nationwide I have a Virginia account so my numbers would come from a Virginia telephone number not Washington DC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX Credit Reporting agency, Equifax credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to XXXX was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

XXXX has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure XXXX did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.
Product: Credit card

XXXX XXXX I paid off a Chase Visa balance in full and closed the account. I told the rep to make sure the balance was paid in full and I was assured there would be no revolving interest charges. On XXXX XXXX I received another statement with another balance. I think Chase Visa needs to train their people better and/or be a little more honest. The representative seemed more interested in keeping me as a customer and offered to lower the interest rate on the card. I insisted they close the account completely but still was pushed by the representative not to cancel my account. I had to be persistant against the preditory representative at Chase Visa.
Product: Checking or savings account

I was charged a fee before the 30 days and I alrea Had money in my account
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : SPRING OAKS CAPITAL LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number:XXXX  XXXX
Product: Checking or savings account

I flew out to XXXX XXXX on XX/XX/30 and returned on XXXX. My account Was debited {$330.00}, {$340.00} on XXXX from floor and decor in XXXX va. Upon receipt Of the notification on my phone I called the bank on XXXX and let The bank know that I was in XXXX XXXX and they advised I had to wait until the transaction posted. On XXXX the transaction posted and I filled a dispute. 
My dispute was denied
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX XXXX XXXX, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX