23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. 

Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 
2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. 
If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. 

I thank-you in advance for given this your upmost attention.
Product: Money transfer, virtual currency, or money service

Dated : XXXX XX/XX/2020 Money should be deposited by : XXXX XX/XX/2020 Amount : CAD XXXX I transferred CADXXXX.XXXX through my account in the Western Union website with email id XXXX on XXXX XX/XX/2020 ( tracking # XXXX XXXX XXXX ) and money should have been received by the receiver within 7 business days which is by XXXX XX/XX/2020. I called customer service WU on XXXX XX/XX/2020 to get an explanation why the Western Union has withdrawn CADXXXXXXXX  ( CADXXXX.XXXX twice ) on XXXX XX/XX/2020 from XXXX XXXX although they issued just one tracking number for CAD XXXX only. I was told that CAD {$550.00} will be refunded within 7 business days ( by XXXX XX/XX/2020 ) and the other CADXXXXXXXX will be deposited in receiver 's account by XXXX XX/XX/2020. I checked my WU account, my XXXX XXXX account today at XXXX XXXX  eastern time, neither I received the amount CADXXXXXXXX  in my bank account nor the receiver received the money I transferred. I sent an email on XX/XX/2020 from Western Union website with all the facts and asked for refund of whole amount of money ( CADXXXXXXXX  ). I didn't get any reply from Western union.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Item
Product: Money transfer, virtual currency, or money service

I have tried numerous times to close my account. Paypal will not close it and keeps tying me that they are working on it with their programmers. I want my credit card information deleted, bank information and all personal information deleted from the system and account closed
Product: Debt collection

XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit hard pull on my Equifax report from XXXX XXXX Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through Equifax via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to Equifax as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or XXXX XXXX Bank. I have copies of all correspondence.
Product: Mortgage

We have a loan with Seterus, the lender. They changed terms XX/XX/XXXX but mailed the notifications to the wrong address. On XX/XX/XXXX we where main aware of this change. We continued to pay the the prior amount until they got us the documents. By the time they did get us the documents it was also on our credit report. We have been working with XXXX since this time and continue to pay the prior agreement until they fix the issue they caused. They have acknowledge they made the mistake with sending documents to wrong address and still XX/XX/XXXX continued to send documents to wrong address and call us to verify address but had the wrong one. XX/XX/XXXX I spoke with XXXX XXXX, in the dept of Consumer and Government Affairs at Seterus several times via phone and letters. During one of these calls confirmed they made the 1st mistake and would removed the late fees and reporting to credit reports. During follow up he changed his tone and they only removed up to XX/XX/XXXX when they finally got the documents to me. My point to him is at that time I told Seterus weekly that I would pay the new amount but they first needed to send me confirmation they where removed the issue from credit report and late fees. Because they would n't acknowledge their mistake until a year later, this issues has continued on. During the last 18 months I have received more calls then I can count were the Seterus rep. agreed with me that the issue was theirs. I have send some of the details of these calls to them.
Product: Money transfer, virtual currency, or money service

I have a balance of {$850.00} in PayPal cash, and on XX/XX/XXXX in the morning, I found out {$850.00} of them were withdrawn at some XXXX location without my consent. I immediately contacted PayPal to let them know the transaction was not authorized by me. I can't get to them by phone call because they are closed under the COVID-19 situation, so I left a message in the online message center of their website. However, they declined my request and said the transaction was consistent with my account. I don't think PayPal has done its job to protect my information as well as my money. I didn't get any notification when the cash withdraw was initiated, and the later on notification transaction ID I got in the email even differs from what they provide on their website. In a word, I think PayPal should be totally responsible for this issue and they should refund me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a while now, since XX/XX/2016, I haven't had a updated credit report. I'm XXXX years old trying to make a life for myself and can't do that because of the outdated report.
Product: Debt collection

The debt is 7 years old they keep reporting that account to the credit bureu.
Product: Mortgage

Our mortgage is through Freedom Mortgage. When I stopped working, my husband and I fell on hard times. When I called freedom to ask about how late I can make my payment. They connected me to a dept to help customers in need. They set me up on a payment plan. I would skip the first month then pay a little extra for the next 4 months to catch up with my mortgage. They said to disregard all letters because they are system automated. They then transferred my loan to XXXX. When I was done with the payment plan they transferred my loan back to Freedom along with {$600.00} dollars worth of fees accrued by late charges. Freedom refuses to help me because they say that XXXX charged me those fees not them. XXXX will not help me because they say they do not have our file anymore and we are no longer their client.
Product: Checking or savings account

So XXXX wanting to file a UDAAP complaint due to me ordering a card under certain provisions that it was going to be a replacement card for broken card and that it would come with the same identical card number just a new expiration date I ordered this on until XXXX of XXXX right before my bills were coming out of my direct express card and I am a recipient of SSI supplemental security income. And so I confirmed that I was ordering a replacement card for a broken card or damage card and I confirm that and then I got an email a few minutes later that said that they had in fact blocked my card and I was being issued a new one with the new number and so all my bills that I had coming up in 2 days had nowhere to take money out of. As a result I incurred {$190.00} and some change for late fees and subscription bounced payments failed of payment attempts etc. Unfortunately US direct Express does not allow for screenshots on their website so I was unable to get any screenshots for verification but the complaint type wanting to file is against US direct Express or direct Express is what they're called and then the card issuers for them are Comerica Bank. According to what I was informed I was informed what is listed below : The bank would be liable for the damages incurred due to their mistake in changing the type of card without proper notice. It is the bank 's responsibility to ensure clear and accurate communication with their customers, and any miscommunication or errors on their part can result in financial losses or inconvenience to the customer. If you've been affected by the bank 's actions, you may consider reaching out to their customer support or a higher authority such as a consumer protection agency to seek compensation for the damages. 

And to further the complication of this whole situation I got a hold of Comerica who is the corp for US direct Express and the person from the division for escalation reached out to me and she told me that this option that they have on the direct Express app is known about they know about that problem and that direct express just doesn't have a way to honor that option so like there's other people that have been going through it too as well and it's caused me a lot of heartache and a lot of setbacks and everything else. 

So to summarize this is my official complaint is that : the bank promised to reissue a card with the same original card number and then changed the card number without proper notice or consent, it could be considered a UDAAP violation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. UDAAP regulations prohibit financial institutions from engaging in practices that are unfair, deceptive, or abusive to consumers.
Product: Credit reporting or other personal consumer reports

I had all these inquiries due to my data being breached on XXXX and XXXX and seen those inquiries removed and adresses removed.
Product: Mortgage

I have paid this mortgage company two payments one they received on XX/XX/2022 and another payment on XX/XX/2022. They have gotten a total of {$3800.00} which brings my mortgage current to the end of XXXX. I do have an attorney, which has spoke to their attorney, which knew that this money was coming. The problem now is they said they must get to their back in to see if theyre going to apply this money to my account. This is not fair I am a XXXXXXXX  I need to stay in my house they went to work, and they do have the money, which makes me current I have not applied it. I spoke to a woman XXXX today and she said her book show that Im still in arrears since XXXX. please help me because this seems like a case of them not being honest in their dealings. My mortgage is an FHA mortgage, and I do not like the way they are treating me its not like theyre waiting for the money they have the money and all they have to do is apply it.
Product: Vehicle loan or lease

You Guys Are Showing Up On My Credit Report As A Repossession But Law Once You Sell The Car By Law You Have To Remove Repossess From Credit Report
Product: Credit reporting

I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.
Product: Credit card or prepaid card

I live in XXXX Texas and someone else used my card in Utah at XXXX XXXX time and one time at XXXX XXXX onXX/XX/XXXX I reported it on XX/XX/XXXX.They said that no error occurred and all transactions are valid.I have never been to Utah in my life.They took XXXX from me and this was my paycheck. And this was with skylight one XXXX XXXX
Product: Debt collection

I recently received a copy of my credit report and I noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, 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, anyone 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. 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 a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

Federal District Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.
Product: Credit reporting

Experian. I just do n't get them, maybe just " good enough '' is OK these days. 

1-The XXXX XXXX account, the last line, there was NO bankruptcy filing in XXXX of XXXX 2- XXXX account, we gave gone round and round, all they did was delete the XXXX history. Both XXXX and XXXX deleted this account, I sent that info last time to you. 
What is n't addressed : This account was paid through the court in my chapter XXXX and discharged. to report anything different is a violation. Either they sold the account and received funds ( it was actually sold to XXXX XXXX ), who also received a check from the Court. It was sold, when? how come it says {$7000.00} written off? They are in violation of court case : In re XXXX, Case No. XXXX ( XXXX XXXX XXXX/XXXX/XXXX ) ( XXXXXXXX., XXXX ) you ca n't report erroneous or false information. 

" If the Credit Union is going to report on this debt and the receipt and timeliness of payments ( and the Court is not suggesting that this is required ), then the claim as altered by the confirmed plan, rather than the original loan agreement, should form the basis for the report '' Also, they never miss an opportunity to offer a score for {$8.00} dollars, what a scam-see attached " Results Notice ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity 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. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with transunion, XXXX and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call XXXX explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at XXXX explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  card inquiries reflected on my credit reports ( XXXX and Equifax ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( XXXX and Equifax ) three times on XX/XX/21, XX/XX/21 and XX/XX/21
Product: Debt collection

I paid for dental work to XXXX XXXX. It was paid in full at the time of services. 2 years later they say I owe {$300.00} that is fraudulent. I do not owe XXXX XXXX any money.
Product: Bank account or service

I currently bank with Wells Fargo. For years they have been posting transactions in a way that caused me to get the maximum number of overdraft fees each day. This has caused me to pay thousands over the years to Wells Fargo. Additionally, when I deposit a check to try and avoid these fees they put a 7 day hold on the check causing the account to overdraft further. I do not have a history of depositing bad checks and have never deposited a bad check since I opened an account with them in 2000. This process of over draft fees continues to make it more and more difficult to get out of the circle of fees. In fact there have been times where my account was negative and the fees made up the majority of the negative balance ( 50 % or more ) I have begun considering bring this issue to a law firm to begin the process of a class action lawsuit. I know they were sued for the overdraft fees in California but the class action only applied to California so I was not able to be part of that class action lawsuit. I feel the banking industry ( especially the big banks ) prey on the difficulties of those who do not have a lot, preventing people from being able to get ahead because of XXXX transaction that begins a cycle of fees that becomes impossible to get out of without assistance.