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

I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with XXXX. The details are as follows : Creditor : XXXX Account Number : XXXX Current Balance : {$16000.00} Discrepancy : The account has been reported with inconsistent past due amounts, ranging from {$16000.00} in XX/XX/XXXX to {$16000.00} in XX/XX/XXXX. Additionally, despite the account being charged off, the balance is not reflecting {$0.00}. The payment history from XXXX shows a significantly lower remaining balance compared to what is reported on the credit report, indicating a clear inconsistency. 
Despite my efforts to dispute this information, the credit bureaus and the creditor have failed to correct it, I have attached a screenshot where at the bottom it shows the reinvestigation comment.
Product: Money transfer, virtual currency, or money service

Added {$100.00} to pay bill. With Venmo money was withdrawn and later on was messaged by Venmo saying I owed {$100.00} I had the XXXX that was withdrawn
Product: Money transfer, virtual currency, or money service

PayPal allowed a payment to be made to a fictitious person. {$170.00}. Was sent to XXXX. This person took my money and ran! Ive opened a dispute with PayPal.
Product: Debt collection

I spoke with a lady named XXXX from Phoenix Financial. I paid the {$140.00} in full on XX/XX/XXXX even though I wasnt made aware that this account existed until it hit my credit. She assured me that I would receive a paid in full letter that would also state that they would remove the collection from my credit report via email within an hour or so. I didnt receive anything. I contacted her back the next day and she said that it takes 24 hours for me to receive the letter. I didnt receive it. I called back and she informed me that it takes 48 hours to receive the letter. Needless to say, I have yet to receive the paid in full letter. I also am worried that they will not remove the collection from my report as promised. I also spoke with a supervisor named XXXX XXXX, who was extremely rude and unhelpful. She didnt want to provide her name nor did she want to provide me with the letter that I requested. A lady named XXXX was extremely helpful with my request for information. All I wanted was to ensure that this situation will be handled as I have worked hard on establishing a great credit history and I dont want it ruined for a debt that I have no clue about that is only {$140.00} that has now cost my score 70 points.
Product: Mortgage

Phh Mortgage did remove the ex husband name and sent me the proper mortgage mod papers to sign and notarize and send back. I did my part and sent back first week of XX/XX/XXXX..they were due by XXXX XXXX..was just on the phone trying to find out when it will be completed and transferred over to new lender!! No one can really tell me anything but just to speak to a Relationship manager specialist, which seems useless when they are never available, and have to call me back. So I play phone tag and the process repeats. I need to get my loan mod in the system and transferred over to new lender so new lender knows what is going on as they don't! All this went down when loan was being transferred, this is not my fault, this is the lenders. Can someone please get this mess figured out and get my correct loan info updated into system  now with XXXX XXXX, so my account can show current and new payments, interest rate etc is correctly updated in the system. I'm starting to feel like some serious fraud is going on here.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks. 
3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Checking or savings account

I received a deposit in 2021 for a XXXX XXXX. U.S Bank froze my account and as of recently asked me do I want to keep account activated while funds sit frozen! How backwards! After going back and forth unable to use my funds since they were deposited in 2021 they finally agreed to close account and send my funds via cashiers check. As of today I still have yet to receive my money and on top of that I sent over proof as to where the funds came etc. I sent proof how the loan I was approved for and deposited into their bank has even been forgiven by loan company. Ive basically been ROBBED. They lie daily saying they will send cashiers check. I look for it daily just to be lied to as they keep finding more and more things to request.
Product: Debt collection

Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call Ditech, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called ditech and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...
Product: Student loan

I applied for and received a lower monthly payment amount under the REPAYE program. I have been making regular payments and receive ALL my bills and correspondence online via email. However, this month I went into my online account and the monthly amount due was now 5x more than usual and it said my REPAYE had expired. I received zero email  notices regarding reapplying for this program. 

I checked all over my online account, digging into any documents I could find, and found a notice from XXXX saying I needed to repply. This was never emailed to me and I received no notice saying I needed to reapply or I would have promptly done so. 

I feel that Navient should communicate this to me via email or in paper as they do with all my other communication or billing notices. I searched my email account and junk folder for the date this e-notice was sent and received nothing on my side. I would NOT have overlooked this and would have promptly reapplied.I reapplied at the beginning of XXXX when it became apparent that something was wrong and had changed. 

Now - 10 days past when I normally pay my student loan, they say I am TWO months behind. And have a bill of close to {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX 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 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

On XX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>Capital One was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : Capital One listed as an " adverse account '' XXXX : Capital One listed as a " Negative '' in XX/XX/XXXX XXXX report : Capital One- XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why Capital One is showing negative on the credit reports. On XX/XX/XXXX I contacted Capital One whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that Capital One is reporting a late payment from five years ago.
Product: Money transfer, virtual currency, or money service

hello paypal. 

i need you help me to enable the option for withdraw the money. 
Everytime i get the option for withdraw my money the system is place over and over a new limitation on my account and is already pass 180 days. 
PLEASE HELP TO RESOLVE THOS LIMITATION : XXXX OVER 10 MONTHS XXXX XXXX XXXX Just help me to enable the option for me be avalible to withdraw my money please. 
this situation is fustrated.
Product: Credit card or prepaid card

I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO. 

I called USBANK talked with the Fraud dept and was assured the application was cancelled. 

Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid. 
... BUT ... USBANK would cancel the card immediately. 

Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet.
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.

Has violated my rights. Or list of inquiries 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 card

I told them I could no longer afford to pay the monthly minimum. And after about 5-7 calls, being on hold for over half hours at a time, they finally told me I could pay {$55.00} a month, with a XXXX XXXX  interest rate. THERE WERE ALSO MULTIPLE ISSUES WITH MY CHECKING ACCOUNT WITH THEM.
Product: Credit reporting or other personal consumer reports

Dear XXXX I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

Over the last year I have contacted  Collection Bureau of America three different times via US  Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.
Product: Credit reporting or other personal consumer reports

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Product: Credit card or prepaid card

Bank of America XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I opened a secured credit card BankAmericard account in XX/XX/XXXX by XXXX XXXX. I took the cash out of my savings account as a cashier 's check to secure the credit card. I received the BankAmericard in the mail and activated it. Bank of America immediately applied the {$39.00} annual fee. XXXX XXXX followed up with a phone in XX/XX/XXXX inform me to request a credit increase. I followed his advice and did so over the phone. In the mail dated XX/XX/XXXX, I received a rejection letter stating I could not get an increase. On XX/XX/XXXX, I wanted to use the card for an in-store transaction. The transaction was declined and discovered the credit card was closed without any notification. Now, I have an open and closed credit card account on my credit report. I am seeking {$5000.00} in irrevocable damage to my credit report and return/refund the {$1300.00} placed on the card. Fire and terminate XXXX XXXX for opening an erroneous account and not following procedures.
Product: Debt collection

I moved out XX/XX/2021 and called service provider regarding relocation service. They open new account and didnt close previous account and Ive been charged for 15 months and when my credit card was expired they just move my due to collection. And that time I realize that they didnt disconnect my previous address. 
They charge me because their representative didnt close my account when did transfer of service and they refused to refund me for that period instead they moved to collections. 
I did called to collections and tried to resolve with them but they just dont resolve the case. 
I did contact XXXX  and my case never been take care of.
Product: Credit card

In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( XXXX {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

I sent a letter asking them to reinvestigate these accounts listed below Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan for {$5000.00} from Mariner Finance. Got this at the XXXXXXXX XXXX XXXXXXXX. 
This was in XX/XX/year>. 
I went to make a payment ag same branch, on or about XX/XX/XXXX. 2024 and was NOT allowed to make payment. Was told they do not accept cash payments. 
On XX/XX/year>, or about then, I went to the XXXX XXXX branch. Was told the same thing. That cash was not accepted. 
I was called by Mariner in XXXX or XXXX and was asked about making a payment. Told lady I would make a cash payment. She said that cash is not accepted. 
Now loan has been put in collections and a huge negative impact on my credit. 
My bank account debt card has been hacked so many times and have had to get new card that I no longer use my card. 
I am requesting that the CFPB have them remove any and all reference to loan from my credit report and to cancel the entire loan. 
Am requesting no restitution for not accepting the Only US Legal Tender. I only want loan gone.