23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a {$500.00} transaction to someone close at the time for concert tickets that I never received. I opened a claim on XX/XX/year>, with a XXXX specialist that was working for WF reassured me that they could retrieve the money back and she helped me open a claim to chargeback my friend. I found out that the investigator closed the claim on the same day it was opened stating that " transactions were properly done, no faults found ''. Never mentioned anywhere about reaching out to me or the person to determine fraudulent or scamming charges. WF then told me they sent a request to her bank to retrieve the {$500.00} but it did not sound too confident. I followed up on XX/XX/year>, with the fraud and scam department at WF but was told there was nothing they can do. I have been asking around lawyer friends to see how I should proceed and it seems I need to go to small claims court or through a debt collection agency which will take even more time and headache. WF 's customer service side for XXXX specific transaction has been disappointing, they're usually great but this experience has really taken down some of my confidence banking with them.
Product: Credit reporting or other personal consumer reports

XXXX continues to not follow the court orders regarding the case XXXX vs XXXX. XXXX does advise me that my student loans have been discharged, however, they refuse to take the information off my credit reports. 

Additionally, I have not yet received my loan refunds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report
Product: Vehicle loan or lease

First I got behind on my payment and worked out an arrangement with Ally. I called to make the payment, I was transferred to a third party that charged my card for some coupon scheme. They never processed the car payment. Then I entered into a catch up agreement with Ally and they canceled the agreement the day before the payment was processed. I have called and only get some people who dont speak English. Ally has time and time again not honoring arraignments. They also report inaccurate information to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX Bank for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX Bank was on my XXXX XXXX credit report. I asked XXXX and Experian to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are insane. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX bank line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!
Product: Credit reporting

This is a fraudulent account on my credit report, the FEDERAL TAXES/ IRS have already satisfied this negative remark on my acct as being paid off, please remove this, also a STATE TAX LIEN should n't be on my report, another fraudulent activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get late car payments off the credit report. From XXXX and XXXXXXXX XXXX XXXXXXXX was told they can't take them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

In XXXX of XXXX, my mother was diagnosed with XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, she filed for XXXX protection with her mortgage lender, Wells Fargo. In XXXX of XXXX, she passed away in the XXXX unit at XXXX XXXX XXXX. I am a XXXX adult who lived with her and helped pay the bills, but she used her retirement to pay most of them. When she passed, there was very little left in her retirement and she had no future planning. The funeral was paid and there was not much else left. 

The XXXX forbearance continued until XXXX of XXXX, when Wells Fargo informed me that the forbearance had run out. I went through the process of becoming the confirmed successor in interest, as my mother had left me the house. I was told by the company that when I became confirmed successor in interest, I would be able to have the forbearance added to the end of the loan and pay the loan as usual. 

I have been told now, though, after I am confirmed successor, that I must bring the account current and that the two mortgage payments I made ( {$1100.00} ) are only towards the back pay and not to bring the account current, as I was told by a young man named XXXX at the Account Resolution department that they would. 

Even though I am confirmed successor, I am being forced to assume a loan I will not be approved for, damaging my credit and losing my house. I feel as though this is contrary to both the spirit and the intent of the XXXX mortgage relief. Who, after a GLOBAL pandemic, is going to have an extra 18 months worth of mortgage payments sitting in their bank account if they couldn't pay them at the time?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found unauthorized inquiries listed that are not related to any transaction by me. I am a victim of identity theft. Below are the banks where the inquiries were placed along with the date : XXXX XXXX : XX/XX/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 XXXX  : XX/XX/XXXX XXXX
Product: Debt collection

The XXXX XXXX XXXX XXXX  and its agents stole my identity and created a new FHA loan XXXX using my FHA case id XXXX on XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX accepted a trustee 's deed on my homestead. on XX/XX/XXXX the XXXX XXXX XXXX XXXX 's agent sent me a XXXX. My FHA loan XXXX under FHA case id XXXX has shown ACTIVE since the foreclosure sale. The bank advertised my homestead for sale under the FHA XXXX based on the fraudulent FHA loan XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

XXXX. Mistaken Identity XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

WFC XXXX Balance Owed {$4300.00}
Product: Debt collection

I am under a debt of 3 credit cards amount total to XXXX/- ( XXXX XXXX  , XXXX XXXX and citibank ) i am under financial constraint from last 6 months, although i used to pay minimum amount due every month i get n number of calls without any reasons. i want to stop this calls as i understand the due is very high but i m ready to repay it in installments still i get calls at any time.i am single mother hence it becomes difficult for me to pay the amount on time. pl help me.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

During the month of XXXX of XXXX I noticed that the wallet application of my XXXX XXXX showed a message indicating that payment was due on XX/XX/XXXX. I normally pay my prior months charges in full before or on the due date in order to avoid finance charges. Prior to me seeing that message I had paid at or before the last day of the month for about XXXX years. I figured they had changed their due date to be the XXXX of the month so I went along with it and waited to XX/XX/XXXX to make the payment. To my surprise they had charge a finance charge of {$71.00} to my account by then. I immediately called and even sent them a screen shot of the XXXX  app showing now a due date of XX/XX/XXXX. They promised to look into it. A few weeks went by and I noticed the message was no longer displayed on the XXXX  app. My guess was that they fixed the problem. I called again to inquire about my reversal of the finance charge but they stated that they only had a technical complaint about the XXXX  app but not a dispute of the finance charges. I immediately logged a dispute but it was denied about a week later stating that no error had been made on their part and that the finance charge would stay. 

I have included a screen shot of the XXXX  app as it was showing a due date of XX/XX/XXXX the same day I called them which was on XX/XX/XXXX. If I were to follow those instructions I would be changed finance charges again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX XXXX, XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) : # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP
Product: Credit card or prepaid card

Hello, I am submitting a complaint regarding my XXXX store credit card, issued by Comenity Bank LLC. 

XXXX XXXX began charging customers a {$2.00} Residual Interest Fee in XX/XX/2021. I was not advised about the change and I had a XXXX BALANCE at the time the fee was assessed to my account. Because I had paid my bill IN FULL, I was unaware I would be charged a residual or trailing balance fee on the following months statement. XXXX proceeded to charge me late fees for not paying my late fee. The {$2.00} fee ballooned to {$30.00} between XXXX and XX/XX/2021. I contacted customer service as soon as I became aware of the charge. No one could adequately explain to me how {$2.00} became {$30.00} in a matter of 4 months. 
I requested a refund and my request was DECLINED. The customer service agent explained that the policy changed in XX/XX/2021 and all customers were sent a notification. However, I never received any notification and the Comenity representative was never able to provide me with the policy or direct me where I could find it on their credit card website. 

It should be noted this is the second time Ive had an issue with Comenitys lending policy. The previous issue resulted in me receiving a delinquent account notice on my credit score. Comenity is responsible for my ONE AND ONLY credit card delinquency in more than 10 years. I paid the account in full and disputed the the information with the credit bureaus, but Comenity refused to remove it. Clearly there is a serious issue here that needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Bank account or service

Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX account number XXXX and American Express account number XXXX have violated my rights with the sections listed below.

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 or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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