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

In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Product: Money transfer, virtual currency, or money service

Seller email : XXXX I went to a website ( XXXX XXXX XXXX  ) to buy a XXXX XXXX XXXX XXXX XXXX for {$66.00}. I click on PayPal payment & it went to XXXX XXXX but not his company. He sent me an email with an order # ( Order Number : XXXX Products { " XXXX '' : '' XXXX XXXX '' , '' qty '' : '' 1 '', '' price '' : '' XXXX '' } Total : {$66.00} ) and never heard from him again. I tried to contact him XXXX  times via the same email : r <Service Customer XXXX XXXX, but no answer, seem wrong email. 
I really need this investigated to get my merchandise or my money back. 
I tried to get my money back through XXXX XXXX  or PayPal but they told me that they can not help me recover my money back. 
Appreciate Thanks
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute inquiries and a wrong personal information on my credit report. I discovered several inquiries and addresses that do not belong to me. It damages my credit.
Product: Vehicle loan or lease

I was told there were no modification options and was not eligible for payment extensions
Product: Credit reporting or other personal consumer reports

The report requested by XXXX XXXX XXXX XXXX XXXXXXXX says I have serious delinquencies. THIS IS INCORRECT! I do not have any late payments or any negative reports on my accounts for the past 15 years. I need to get that clear up. My credit score is near XXXX.
Product: Debt collection

On XX/XX/2021 a representative from Account Control Technology , Inc. called a relative of mine and told them they were a collection agency trying to collect a debt from XXXXXXXX University that I owed. This person was a 3rd party and should not have been called and given information on a debt I disputed. I contacted the company and asked them to resolve this issue and instead they reported the disputed debt to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX h

as 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: Debt collection

I contacted Wells Fargo Bank regarding my credit card on XX/XX/2018 and advised them that my debt is uncollectible because the statute of collections has expired. They continue to remove this debt and put it right back on my credit file therefore causing a new collection items on my credit file for the same debt that has been removed over and over again. I never received a response to any of my requests from the company.
Product: Mortgage

I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.
Product: Debt collection

A third party debt collector or debt buyer must establish an assignment that the person is the owner of the debt, and if the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership. Ownership must be attached to establish an unbroken chain or ownership- XXXX XXXX XXXXXXXX NO. XXXX. The assignment must describe the subject matter of the assignment with sufficient particularity to identify the rights assigned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1981 ) XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

You are currently reporting that I have a balance on my XXXXXXXX XXXX  XXXX ending XXXX. I dispute this incorrect information being reported. I do not have an balance owed, on this account. This account it is paid in full.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've never had an account with this agency or any business with this agency, but they have been reporting my personal information I have not given authorization see 15 USC 6802 : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

The first notice of the fraudulent debt was through a collection action on my credit report. I have received no other notices of this debt, which is fraudulent debt. The collection agency MRS BPO filed the collection action with the credit bureaus, but the debt originated with XXXX XXXX XXXX. I havent done business with XXXX XXXX XXXX for over 10 years. I have received nothing from XXXX XXXX XXXX or MRS BPO notifying me of this account or debt prior to it appearing on my credit report. How is this possible that a derogatory comment can be added to my report without some evidence that an attempt to collect the debt from my valid mailing address, email address or phone number has been made? This isnt consumer protection. As stated, I have not received any notice in any form about this debt nor did I enter into any business agreement with XXXX XXXX XXXX. About the time this fraudulent debt was incurred, XX/XX/2023, an erroneous new address was added to my XXXX credit report. I immediately notified them that the address was not valid now or at any time.
Product: Credit card or prepaid card

Fraudulent XXXX  card application submitted with Comenity Capital Bank. Contacted the fraud department and currently do not have record of the application. Inquiry is currently showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : 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 an account without my written instructions.
Product: Credit card or prepaid card

I applied for an Apple Card. My application for extension of credit was denied. This is a violation of ECOA 12 CFR 1002 I DO NOT agree with the company 's decision.
Product: Credit card or prepaid card

Person you dealt with : PNC XXXX XXXX Branch Office Rep Description of complaint : Went to branch office to make deposit on XX/XX/2018. Was asked how I liked PNC 's reward points program. I explained that I wasn't aware of the program. The representative began to explain the program and how it worked. I asked how many points did I have. He explained that he could not see that information on his screen. He proceeded to give me the phone number to the PNC department who could give my accumulated points total. I called several days later and was told about the program. I thought that was the end of it, until I received a notice from PNC bank declining approval of a credit card. I NEVER APPLIED FOR A CREDIT CARD. I immediately called the phone number listed on the form to ask for additional information. I told the story to the representative. I have since received a call and email from a PNC representative investigating the matter. This is of utmost concern to me, as I feel that I have been violated. Also, the inquiry made by PNC is noted on my credit report. I am actively seeking employment and background checks ( which include credit checks ) is part of the process. This unauthorized inquiry will have negative consequences due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I paid off ALL of my credit card and bank loan accounts. My balance due on all accounts is {$0.00}. Since I paid off my accounts my credit score was lowered from XXXX to XXXX. There is something serious going on with my credit reporting. The credit reporting agencies Experian and XXXX should be investigated by the Federal Trade Commission. This seriously needs to be investigated by U.S. Congress. 

I owe {$0.00} on all credit cards and bank loans and then I receive this email message from Experian today. Our U.S. credit reporting system is definitely broken. I feel this is discrimination against a XXXX retired XXXX XXXX XXXX. 

Like my previous complaint this morning with CFPB I will be forwarding this information to Congressman XXXX XXXX for his review and action. 

Message Received Today Your FICO Score has decreased by XXXX points. 

Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. 
XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts FICO score logo Learn more Experian data XX/XX/2023 Compare all 3 credit scores Your credit information can be different across all 3 of the major bureaus. Add your XXXX and XXXX FICO Scores today. 

Why did my score change? 

Why am I receiving this? 

You are receiving this alert because your membership includes FICO Score monitoring with Experian data. We monitor changes to your FICO Score and score rating. These changes could impact your credit worthiness, your ability to get credit and your interest rates.
Product: Money transfer, virtual currency, or money service

US Dollar Wire transfer held due to OFAC COMPLIANCE INVESTIGATION. 
XXXX, XXXX I would expect a delay related to this investigation, but I would also expect due diligence and expedite answers from banks involved in this wire transfers. 

I have communicated to my bank Chase about this transaction delay, and requested to notify the beneficiary recipient of this wire transfer delay. Chase communicates through on-line security messages which delay one or two days for answers, and XXXX XXXX  customer reply back in two or three business days. Also when I call XXXX XXXX customer service resplied that following security and privacy policies refused to notify the beneficiary of the wire transfer dalay, even I am not requesting any information they refused to notify its customer. 

The date for wire transfer transaction was XX/XX/2019 for {$1000.00} US Dollars. 

Today is XX/XX/2019 and I am still in the limbo of when the funds would be released or about the transfer status. 

My account : JPM Chase Account XXXX Recipient Bank Bank - XXXX XXXX Company name : XXXX XXXX Acc # Number # XXXX Routing Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/2023 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card or prepaid card

I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX   credit card and XXXX XXXX credit card rewards certificate to pay for them. 

I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX. 

SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX  credit card bank ) and they have denied my claim. 

Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept. 

It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX  customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me. 

This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am trying to buy a house and this information is unauthorized and incorrect
Product: Checking or savings account

Last month, my husband tried to deposit cash into our joint checking account. The teller, in my opinion sensing that he is an XXXX  who doesn't speak XXXX well, told him not to bring back cash again because it takes too much of her time. Last week, I sent him to the bank to withdraw {$20.00} in $ XXXX, and the teller there refused. 

Banks handle money, don't they? 

I tried to call the bank but only got a recording that they were too busy to answer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service. And unfair practices which violates the Consumer Financial Protection Act ( XXXX  ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 


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, 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: Debt collection

I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything.
Product: Money transfer, virtual currency, or money service

I instany transferred money from my PayPal account to my XXXX debit card, a total of XXXX $ on XX/XX/XXXX and it was stuck on pending ... .for days, it's now XX/XX/XXXX this was supposed to be an instant transfer, money in minutes, I call both XXXX and PayPal over 10 times trying to get this resolved, apparently the transfer was denied on XXXX  side due to a maintenance error and PayPal said it should go straight back to my PayPal account in a few days, few days go by and nothing, call again, they forward it to there technical department and say they email me in 24-72 hours, no email ever arrives, I've yet to receive a single email on the subject at all, so I call again and they tell me the same thing and put a trace on my money cause apparently they have no idea were my money is ... .its been weeks and they keep telling me there trying to find my money
Product: Credit reporting or other personal consumer reports

Identity Theft! There are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra icking of debt bondage and would like for all listed accounts to be blocked and deleted company information TRANSUNION. Please delete the following accounts. 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