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

XXXX XXXX XXXX  with whom I was on an e-statement basis, charged the annual fee in installments and added late fees, never advised me the charges were added - I had not used card for months and had a XXXX balance previously and NEVER late. They reported my payment as late to the bureaus. When I discovered this I contacted them, they negated all charges- if they removed the charges that is tacit agreement that they never should have been charged - and I closed my account. One of the bureaus still shows me with a balance with XXXX XXXX, there is none, and shows the card open, which it is not. 
I want the bureaus notified that I was NOT LATE- this was XXXX XXXX XXXX XXXX  fault for not sending me any indication that there was a balance due - and I want the Bureau records changed to eliminate my ever having been late. My payment record with all XXXX  accounts which I have is otherwise completely unblemished, not ONE late payment. This is completely unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account reporting as open with a balance, has not been updated since XXXX of XXXX. The account was paid in full on XX/XX/XXXX and closed by the credit grantor. Although the creditor reported the change to Equifax they continued to report outdated information. I Disputed the accuracy of the account in XXXX of XXXX and it came back XX/XX/XXXX as verified and accurate. I contacted the creditor and they advised me that they received the dispute and provided Equifax with the updated account information, the XXXX balance and closed account status - however Equifax reported they verified the account as accurate and did not make any updates. This account is impacting my creditworthiness due to Equifax failure to update the report. Delete this account from my credit report for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!
Product: Checking or savings account

Both my checking and savings account were frozen for weeks, then eventually closed by WF, after a suspected fraudulent deposit to my savings account. I was a customer for over 15 years.

WF also closed my credit card account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

There are multiple hard inquiries I am not aware of and after requesting the removal these have not been removed and is affecting my credit score.
Product: Money transfer, virtual currency, or money service

I have a problem with my paypal account after i recieved money to take care of my brother who's not well.y first time of using paypal i was unable to use the money, paypal shouldn't be treating the users like this! My paypal name email XXXX XXXX
Product: Mortgage

In XXXX of this year, I refinanced my home. My existing Bank at the time was XXXX and they took my money in escrow and paid my taxes as the transfer was taking place between banks. The new mortgage owner ( SunWest Mortgage Company, In. - NMLS ID XXXX ) also paid my taxes with the settlement money that was established for paying the taxes. This escrow from XXXX was supposed to be returned to me.Since XXXX had already used my escrow to pay the taxes I requested that SunWest pay me the money that the Tax Collector returned to them. Since XXXX, SunWest has lied and mislead me concerning the return of this money. I started making my planned payments to SunWest including the prescribed taxes in XXXX. What can I do about getting my entire escrow back?
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$6100.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

I've contacted Experian and filed multiple disputes with the same to have the information contained on my credit report to be corrected and updated to reflect the current status of the accounts in error. Each time I receive the same reply, stating the information has been verified. Obviously the information has not been verified through verbal communication. The accounts in question were last updated on XX/XX/2023. I've been in contact with the Dept. of EdXXXX. In my conversation with a representative they have verified that the information reporting on my credit report is not correct ; nonetheless, they were unable to provide me with a resolution to correcting the reporting problem other than filing a complaint. The recent balances that are reporting on my credit report should show that the referenced accounts and associated balances have been Transferred and closed over 120 days ago.
Product: Checking or savings account

Woke up on XX/XX/2022 only to find out that my account has been permanently limited according to a mail sent to me by PayPal ( Ref ID - XXXX ). 

I have been in shock of what Policy I did go against that could result to my account been limited...

I need explanation on what Policy I did violate and why should my account be limited.

I have been a loyal PayPal customer over the years and with no engagement with fraudulent activities demand and explanation of why I am being wrongly limited..

I have mailed the executive and no response has been given.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : 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: Student loan

Company called XXXX XXXX XXXX ( 3rd party ) gave me information about a forbearance stating that I have to pay {$160.00} to them for 3 month and after the payment I wont have to do any payment for the next 240 months. My actual loan company Mohela call led stating that all of it is false information and that the company is fraud. Forbearance is a free process and I should receive my money back
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Money transfer, virtual currency, or money service

Electronic Fund Transfer Act ( EFTA ), Regulation E. On XX/XX/2021, I was caught up in a check fraud scam and I was scammed out of {$4000.00} total from my checkings account. The check was written to me by the scammer and sent via XXXX, who had added me on XX/XX/2021, explaining how they wanted to take care of me financially, with the check bank being " XXXX XXXX XXXXXXXX '' with a total of {$4700.00} and I was told that {$700.00} would be compensation for doing menial tasks of transferring the majority of the money to the designated accounts instructed. The check was deposited by me on XX/XX/2021, and since {$400.00} was immediately present in my account I was under the impression that the check was legitimate. I discovered that the check was fake only after the money had been transferred because of how persistent and aggressive the scammer was. {$3400.00} was scammed from me via XXXX with four transactions : 1 transaction being {$400.00} on XX/XX/2021, and 3 transactions being {$1000.00} each on XX/XX/2021. The other {$600.00} was scammed from me via XXXX on XX/XX/2021 ; this was only one transaction. On XX/XX/2021, I made a claim with Wells Fargo about the scam in an attempt to obtain my money back. The XXXX claim for {$3400.00} was made on XX/XX/2021, but I was instructed by a Wells Fargo representative to make another claim for XXXX since the transaction was not complete on my statement record until XX/XX/2021. On XX/XX/2021, XXXX was also contacted about the scam and my XXXX account was frozen. On XX/XX/2021, a claim for {$600.00} was made. On XX/XX/2021, I made a claim with " CFPB '' to ensure that I would get my lump sum back. On XX/XX/2021, my " CFPB '' complaint was closed since Wells Fargo responded. On XX/XX/2021, {$600.00} was returned to my account. On XX/XX/2021, I was called to ask the status of these two claims since I was never provided an update : the XXXX claim was deemed to be non-refundable since the transaction was made by me and not by someone else through hacking ; On XX/XX/2021, I was met with the same response meaning Wells Fargo is not complying with Regulation E of the Electronic Fund Transfer Act and only contacted the scammer to get the money refunded rather than reimbursing me. I believe I am still owed my lump sum back because of the " Electronic Fund Transfer Act ( EFTA ) specifically Regulation E '' since I was convinced thinking that this was a legitimate interaction and was " promised '' a specific amount, but in reality, none of it was true. I would just like the remaining {$3400.00} provided back to me since it is such a large amount to me. My occurrence is similar to XXXX XXXX 's occurrence yet she was provided her money back but I was not.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft. You are obligated to remove any accounts opened without my knowledge, consent, or authorization within four business days after receiving the following : ( 1 ) valid proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) a detailed identification of the fraudulent information, and ( 4 ) a statement from me affirming that the information does not pertain to any transaction I authorized or conducted. 
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 was went to XXXX website and saw announcement that a CFPB Order thatrequiresXXXX LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to XXXX XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above XXXX starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.
Product: Bank account or service

I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to Equifax and they told me I was a credit repair company and did not fix the errors on my report
Product: Debt collection

I found fraudulent accounts on my credit report that are affecting my credit score.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, there apparently was a Block for Promotional Purposes showing on my account with Equifax on my end. 
I tried to contact them. I get to the security questions.. and none of them pertain to me. After I answer them as such accordingly, I get disconnected because I allegedly dont pass the security questions. So I dont get to speak to a human. I tried for months. Called various times of day, and even over the course of several weeks. Nothing changed. I finally contacted the XXXX XXXXXXXX office. Sent supporting documentation, but still Equifax keeps saying theres no block. Yet I still see it. Further, I just got denied for credit that was ran through them, and the report brought up information completely untrue. I cant even find it to dispute on my end online. It is maddening that these companies can so carelessly destroy a persons life.
Product: Checking or savings account

When I was a child my mother gave my grandmother roughly XXXX dollars to put in the bank for me. My grandma took me to wells Fargo, in XXXX XXXX, CA. And opened a trustee account in both of our names. Soon after that she died. I want to close the account with all of its accured interest but wells Fargo keeps giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

cant get into my credit report : please send me a copy
Product: Mortgage

My mortgage is with cross-country mortgage. I was trying to refinance my mortgage so I could get a lower payment and remove the mortgage insurance. The current value of my property is XXXX. It is a cindo and similar condos have sold XXXX to XXXX in the last 2 years. The purchase price was XXXX. That was 3 years ago. I owe XXXX currently. They have told me I am not eligible because they only look at the purchase price and not the appraised value, when refinancing and removing the mortgage insurance. My question is, is this legal? I have bought and sold many properties over the years and I have never been denied due to this reason.
Product: Debt collection

My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.
Product: Credit card

I used Capital One travel services to book a flight on XXXX XXXX. The company advertises that you receive travel benefits including price match guarantee and travel rewards. I paid {$2100.00} on XX/XX/XXXX for 2 round trip tickets on XXXX XXXX. The class of service on the ticket was fully refundable and changeable with no penalties per the airline terms. On XX/XX/XXXX I changed the dates for the flights due to schedule conflict with my daughter 's graduation. Capital One charged me an additional {$210.00}. I waited a week for a credit to post to my account because the new ticketed price per the XXXX XXXX documentation was now {$1500.00}. I called Capital One and they said that their price match guarantee was good for 1 week after the original purchase date of XX/XX/XXXX. So although the fair was now lower, I was not entitled to a refund from the credit card company. I explained that the fare class made it a fully refundable ticket and Capital One indicated that this was the airlines terms and not the terms of the credit card. 

I did not want to challenge the issue or cancel my credit card until after my flight in case there were issues. I am cancelling my card, but I believe that they owe me a refund for the price difference. Their advertising and website is misleading and I believe that this constitutes fraudulent practices on the part of Capital One.
Product: Credit reporting or other personal consumer reports

I contacted XXXX by phone to inquire about late payments showing on my credit report within the last month of 120 days past due and was told that my account status should not being showing any past due amount. This has had a negative impact on my credit worthiness in the eyes of other creditors and I am in the process of purchasing a home. I was told by a supervisor that the account would be corrected and removed due to my Total and Permanent Discharge eligibility.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Equifax they claimed to have done a investigation and found that company XXXX XXXX has complied with all FCRA requirements. 

Asked Equifax and XXXX XXXX  for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.
Product: Debt collection

I am not a relible for this deuts by XXXX XXXX CO. 
I do not have a contract with XXXX XXXX CO. 
They did not provie me original contract that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX 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