23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/XXXX I sent Equifax a letter asking you to investigate several mistakes and inaccuracies on. my credit report which show late payments on XXXX XXXX XXXX Acct # XXXX. Despite five ( 5 ) written request, the unverified, inaccurate late payments listed below still remain on my credit report in violation of Federal law. You are required by law to show proof of late payments which is verifiable in order to report this on my credit report. 
in the results of your first investigation and subsequent re-investigation you stated in writing that you " verified '' that these items are being reported correctly? Who verified these accounts as late? You have not provided me any proof of being late? 
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA ( Fair Credit Reporting Act ) you are required to promptly DELETE all information which can not be verified. Please update these late payments for XX/XX/XXXX, and XX/XX/XXXX to PAID AS AGREED/NEVER LATE. 
Also, as required by law, Please send me an updated copy of my credit report to the address on file.Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I entered into a new agreement with Citi Cards to assist in paying my card down due to a financial hardship of divorce while not affecting my credit report and XXXX score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with Citi Cards. Since then, I have been paying the agreed upon amount of {$120.00} per month and Citi Cards has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a mortgage loan to buy a home in XXXX. Citi Cards did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to Citi Cards. Citi has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.
Product: Mortgage

I have mortgage with Mr Cooper for the last 15 or more years. 
Because of financial I was bagging and asking to refinance only the mortgage for lower interest rate so it will help me financially. 
I keep getting denied for nonsense reason if I can afford to pay for the interest rate what I have now Im capable to pay for Lower interest rate but they are not helpful and they arent trying to help me out instead they are trying to push me going bankrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Creditors Bureau Associates, 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 a account without my written instructions, hard inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries need to be removed for violating my rights.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been victim of fraudulent activity in my accounts i submit a FTC report. please review this
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Experian reporting agency, 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

I was trying to refinance my car. This company gave me 3 different ". I did not accept any of them. They then proceeded to send me an email which they labeled as documents to review, but when I opened it did it was auto sign documents for a alone. You could not review the documents. They tried to trick me into taking a loan with an undisclosed rate. I can only describe this as criminal attempted fraud..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid MoneyLion and I have requested for it to be updated on all of the credit bureaus. Document attached. I requested several times for them to update based on the letter received.I was also advised from MoneyLion that it was updated to XXXX. Why are they still charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX  is XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX  XXXX  was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. 

- I have filed a dispute with Experian and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- Experian still shows my balance with XXXX XXXX. with 90 days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As of XX/XX/XXXX I hired a debt consolidation company called XXXXXXXX XXXX XXXX to handle the credit card that I have with GoodYear Citibank. I hired a debit consolidation company because I have been going through a divorce since XX/XX/XXXX. I also have a court order showing that I have a trial date on XX/XX/XXXX and this is a joint responsibility to be divided or paid fully by my soon to be Ex-Husband. 

I have attached a copy of my court order and the summons they sent me. I will also be reaching out to the court house and send another copy of the court order to them. I am not able to settle this debt until my divorce is finalized and I know what I will be awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX  XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX  ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or  completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past  Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam I'd like to make a new complaint but there was no similar case so i will tell you here. 

I used Paypal XXXX ( Online payment service ) service but one day they emailed me that My Paypal account is permanently limited. 

They told me, I did not follow their regulation so they will hold my fund for 180days but after 180days they did not release my fund and just took it from my account. Total amount is USDXXXX approximately. 

I can not believe why this is happening. I called their customer center and finally they told me my fund ( USDXXXX XXXX is transfer to Paypal as damage fee. 
I can not understand and this is criminal. Pls help me to correct this issue. 

Attachment Paypal email 1,2 : This email is showing that my account is permanently limited and hold my fund 180days. 

Paypal Login : This screen i can see when i log in Paypal. 

Paypal transfer money : Paypal took my money without notice. 


I am not sure if this is right place but I need your help.
Product: Credit card

On XXXX/XXXX  I mistakenly made a payment of {$3200.00} to my deceased husband 's account. When I asked the money be transferred to my account the company asked for a copy of the death certificate and our will which I promptly sent by overnight mail. I received a letter telling me the money would be put back in the bank account that paid it - XX/XX/year>. I have made numerous phone calls asking for information about the money and every time receive a different answer - the money was sent- they are tracing it, etc. etc. 
They owe me {$3200.00} which they refuse to refund. What recourse do I have? Please help. 
XXXX XXXX XXXX Credit card company - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - acct closed XXXX XXXX XXXX XXXX XXXX, XXXX - deceased Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Credit Company - act ending in XXXX
Product: Checking or savings account

On XX/XX/XXXX a seizure order was placed on my account and the account was frozen. {$8000.00} was removed from my account. A call to TD bank revealed they had received a sealed seizure order and could not give me any other information. TD bank stated whoever had initiated the order would contact me. I was also charged a processing fee of {$120.00}. The account was at {$0.00}. I did not receive notification of anyone regarding seizure of the money. I contacted the Department of Justice, IRS. They were not involved. Many phone calls were placed to TD bank on XX/XX/1920, XXXX, XXXX. They stated they could not release any information as the order was sealed and i would receive information from the party that seized the money. The account remained frozen. Calls were placed to TD bank 2x a week for four weeks. I never received notification regarding who had seized XXXX. 
On XX/XX/XXXX the complete amount plus processing fee was returned to the account and the account was unfrozen. FIVE WEEKS LATER. I want to know if this was the result of fraud, a banking error. Can I put money in this account again? DURING THAT TIME I HAD TO BORROW XXXX FROM FAMILY AND FRIENDS TO PAY MY BILLS AND FEED MY FAMILY. IT WAS EXTREMELY STRESSFUL. I conveyed multiple times to TD Bank that I had not been notified who seized the money. I asked them to at least notify the party and let them know I had no idea who seized the money.
Product: Mortgage

Wells Fargo Bank has refused to my complaint to me or my agent XXXX XXXX. There is no attorney who represent me for my mortgage and loan modification so on Period. XXXX XXXX HUD counselor is only representing us for loan modification and mortgage. Attorney only reparent us for violation of privacy law changing our address to strange place. Bellow is what I wrote to Wells Fargo Bank on XX/XX/2021 on their phony response. 
Since XXXX and unit XX/XX/2021 we have provide multiple and authorization to to HUD counselor and Wells Fargo Bank refused to communicate with XXXX XXXX. On authorization is attached. 
Below is my attorney information who will deal with only privacy laws and I will ask him to file lawsuit of {$5.00} XXXX dollars. 

WELLS FARGO BANK IS DENYING US RESPOSNE ON A FALSE AND PHONY REASON.
Product: Checking or savings account

I have requested the HSBC to close my previous checking account ( ending XXXX ) on XX/XX/2017. I have chat records to prove it. So the company claim my account was closed on XX/XX/2017 was a lie.
Product: Mortgage

My mortgage has been in default since XX/XX/2022. I received a letter regarding a pending foreclosure scheduled to occur on XX/XX/2022. I have since come up with the full amount to cure the debt and attempted to make a payment on Monday, XX/XX/2022. On Monday, I was told that a reinstatement letter needed to be issued and was assured that the letter would be available by XX/XX/2022. I was advised that I would receive a call on that day and never received that call. I have tried to make the defaulted payment several times this week and have been given the run around as if the company is trying to buy time until the date of the foreclosure. They have advised me the reinstatement letter has still yet to be generated by the attorneys and can not provide me with consistent information. I do not know when this letter will come if its even going to come at all. I have the money to cure my debt but the company has been unwilling to cooperate with me making the payment.
Product: Checking or savings account

OnXX/XX/XXXX I opened up a checking account with Capital One 360 under the premise that if I make 2 direct deposits of XXXX by XX/XX/XXXX that I will be awarded XXXX. I rearranged my direct deposit to satisfy the stipulations. There was a direct deposit made on XX/XX/XXXX and a direct deposit on XX/XX/XXXX. I called yesterday to see when will I be getting the incentive and I was told because the promotion was n't targted to me that I will not be eligible. That was not apart of the criteria when I opened the account and after I opened it, I called the next day and was told that I would be eligible. I spoke with 2 representatives on XX/XX/XXXX that told me that i was not eligible for the incentive. I posted this issue on their XXXX page as well as I emailed the CEO of the company. Companies should not be able to take advantage of people in this way.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Trans Union and XXXX on XX/XX/ for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Product: Debt collection

I constantly receive Collection Notice ( s ) from XXXX XXXX XXXX , XXXX a company that is attempting to collect a debt owed for parking tickets owed to the XXXX XXXX Municipal Court in XXXX XXXX, New Jersey i never owned a motor vehicle nor do i have a New Jersey Drivers License or any Drivers License in any other state! 
I written the XXXX XXXX Municipal Court about this error and i didn't receive any responses by mail or in written from XX/XX/2018. 

I also written and made phone calls to the XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting

Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Money transfer, virtual currency, or money service

I was contacted for a remote job position at XXXX via email, the email address the person or group of persons used was XXXX. The job position was XXXX XXXX XXXX was required to fill out a questionnaire about my knowledge and experience. I was later informed that I was selected for the position. I was sent XXXX checks to deposit to paying for office equipment to furnish my home office. After the amounts were in my bank account I was then instructed to pay XXXX vendors via XXXX and bank transfer. 

XXXX XXXX using the email address XXXX through XXXX and XXXX XXXX through check. 

Client name : XXXX XXXX Bank XXXX XXXX XXXX number : XXXX Routing number : XXXX Checking account XXXX check for {$4900.00} was received on XX/XX/2022 and deposited into my JPMORGAN Chase bank account. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$3100.00} to XXXX XXXX. These amounts were sent XX/XX/2022 A second check was received XX/XX/2022 for {$4700.00}. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$2900.00} to XXXX XXXX. These amounts were sent XX/XX/2022. 

On XX/XX/2022, after sending the payments to XXXX XXXX and XXXX XXXX, I was contacted by the Chase Bank. The bank personnel indicated that the transaction and situation seemed suspicious and that I should look further into it. I contacted XXXX via a phone number listed on their website. The representative informed me that they do not use email addresses XXXX, their email address would XXXX. 

I reported the issue to Chase Bank and XXXX. The Chase Bank indicated that they canceled the transactions done on XX/XX/2022 of {$1800.00} to XXXX XXXX via XXXX and {$2900.00} to XXXX XXXX to his bank account number. The transfer to XXXX sent on XX/XX/2022 would be cancelled. The XXXX transfer to XXXX XXXX sent on XX/XX/2022 had already gone through and they would not be able to cancel it but would try to dispute it. 

JP Morgan Chase Bank later indicated that the checks I received and deposited into my Chase Bank Account were found to not be genuine checks resulting in the amounts {$4900.00} and {$4700.00} being taken from my account. Chase Bank also indicated that no action will be taken to recover the {$1800.00} sent to XXXX XXXX on XX/XX/2022 and their inquiry into the issue was resolved. 

The amount of {$1800.00} transferred to XXXX XXXX through XXXX was not recovered by the bank. This is the transaction done through XXXX for which Im making a claim.
Product: Debt collection

received collection letter from XXXX XXXX XXXX on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to Specialized Loan Servicing. 
This check was processed and recorded by SLS. 
Sent returned letter to XXXX XXXX demanding they cease collections efforts and that the account was paid on time. 
no response from XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX someone accessed my Chime account and transferred {$700.00} from my savings account and transferred it to my checking account. They then sent the {$700.00} to someone that it don't recognize. I called chime right away the same day and told them what happened. Instead of blocking the transfer, they opened a dispute and the very next day the declined the dispute. Now today XX/XX/XXXX XXXX purchases were made on my account and when I called Chime again, I was told there was nothing they could do while the purchases were pending. They want me to wait till the purchase to go through and then file a dispute instead of refusing the purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that 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 paid off my loan in full with a payment of {$210.00}. I have bank records to prove as it was deducted from my checking account. On the moneylion website it is saying I still owe that payment, as well as reporting to the credit agencies that the payment is in collections. 

I have sent several emails to XXXX and only get an automated response. 

I have called the support number 5 times and on hold for more than an hour each time, only to be disconnected, or hung up on as soon as it is answered. 

I have messaged on facebook and been directed to XXXX to " submit a ticket '' but no option once there. 

I am ready to take legal action and this is my last attempt before doing so.