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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following account My information was exposed during a data breach. The following accounts are fraudulent. The following inquiries are on unauthorized. XXXX {$290.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$630.00} INQUIRIES XX/XX/XXXXXXXX XXXX XXXX/XXXX/24 XX/XX/XXXX XX/XX/scrub>/24 XXXX XXXX/XXXX/24XX/XX/XXXX XXXX/XXXX/24 XX/XX/year>24 XX/XX/XXXX XX/XX/year>24 XX/XX/XXXX XXXX/XXXX/24 XX/XX/XXXX XX/XX/scrub>/24 XXXX XX/XX/XXXX XX/XX/XXXX/24 XX/XX/XXXX/24 XX/XX/XXXX/24 XX/XX/XXXX/24XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am trying to submit a dispute online through my Transunion account on XX/XX/year>. When I click on start a new dispute I get an error, " We're unable to complete your request right now. '' I followed their suggested steps of logging out and logging back in, but that didn't fix the problem. I chatted with the help desk on XX/XX/year> and they suggested using XXXX and clearing my cookies/cache, but this didn't fix the problem either. The chat agent, XXXX, then disconnected the chat without further assistance being provided. I am still unable to submit a dispute online and receiving the same error message.
Product: Student loan

The leftover interest while on the SAVE plan was never subsidized and corrected by NELNET after making numerous payments. Reached out to servicer NELNET for correction and they did nothing. I am looking for NELNET to correctly reflect my balance with the interest subsidy, as interest was added when it should not have been after making a payment per how the save plan was outlined as per how the SAVE plan was written : " The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. '' I attached statements below showing the interest added to balance despite making the required monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On https : //www.annualcreditreport.com/ it says you can now get a free weekly credit report. I received my free weekly credit report from XXXX and XXXX. But for some reason Equifax will not give me a copy. I tired contacting them multiple ways but still no credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My names XXXX XXXX, I had called a few weeks ago to file a dispute on my credit but the thing is I shouldnt have a credit score I never applied for a credit card to begin with. I dont know the whole process of this and how it works but I would like to file a dispute on anything that is opened in my name that is on a credit card or anything that is making me have a low credit score if I never applied for a credit card to begin with. The only thing I should have under my name is the debit card that I use with XXXX XXXX. Thankyou for your time and I do hope that you guys can reach out to me and help me with this problem Im having.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against American Express XXXX Card services. My identity was stolen and I have made American Express XXXX Card services that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX  credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX  told me I need to clear it with XXXX. This is a circle and Im getting nowhere.
Product: Money transfer, virtual currency, or money service

I'm sorry, I don't speak English. This description was completed using a translation software. I will try to describe it clearly. 

On XX/XX/year>2024, I purchased a {$100.00} Bitcoin from a seller on the XXXX shopping platform using my PayPal account. The seller 's PayPal email address was XXXX. I paid {$100.00} to his PayPal account, but he told me that he couldn't use a commercial payment and asked me to cancel the transaction. He only refunded me {$95.00}, and I saw the screenshot of the refund he sent me, so I believed him and canceled the transaction. XXXX shopping platform returned the Bitcoin to his account. 

After canceling the transaction, I checked my PayPal account and did not receive the refund from the seller. On XX/XX/year>2024, I reported the issue to PayPal through the PayPal app and the PayPal XXXX phone number XXXX, telling them that I had not received the refund from the seller. PayPal told me over the phone that I was doing the right thing, and I would receive the refund. 

On XX/XX/year>2024, I provided additional transaction screenshots, but on XX/XX/XXXX, PayPal rejected my application. 

I had to report the issue again, and I told PayPal that I could provide the XXXX shopping platform account to verify, and PayPal told me over the phone that I didn't need my account and that I was right, asked me to rest assured. 

On XX/XX/scrub> 2024, I received another email from PayPal, which again rejected my application, and PayPal closed the appeal window. 

The seller asked me to cancel the transaction and promised to refund me, which is a fact that already exists. I don't know why PayPal has rejected my application twice in a row. 

The following is in XXXX XXXX XXXX XXXX XXXX XXXX XXXX paypal
Product: Credit card or prepaid card

After several correspondence with Chase Executive Representatives trying to solve this issue with a scam with suitcases I ordered and never received. Chase Bank failed to solve this issue but blamed the Postal Service for stealing my luggage it was the United States Postal Inspection service that solved this scammed in order for me to get my money back. Chase Claims and Executives did not investigated but deducted the monies from, my account stating the merchant who scammed me stated I received the items. I submitted the proof to the Chase claims unit with difficuilty and received my monies back on XX/XX/2023 I received a letter on XX/XX/2023 from the executive office why they declined to refund me monies to me I already received on XXXX XXXX. 
Until I received these letters, I assumed my case was closed. But receiving these letters opened an old would I was trying to heal from. Its apparent that your company need a formal investigation into your Executives and claims departments on how they are investigating and communicating and treating the Bank customers who are investing and entrusting your institution with our monies we work hard for,.
Product: Credit reporting or other personal consumer reports

This account does not belong to me please delete immediately! 
XXXX XXXX XXXX XXXX {$45000.00} Opened - XX/XX/XXXX I did not authorize any company to run my credit delete inquiries immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information on my consumer report that is causing harm to my personal life. It is TRANSUNIONs duty pursuant to the FCRA to report accurate and correct information on my consumer report, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

I ordered for XXXX whole slow juicer with macy 's credit card from Macy 's online on XX/XX/scrub>XXXX XXXX XXXX The order was not delivered to me, but Macy 's claims the order was delivered to me. Immediately, I informed Macy 's that the item was not delivered to me. Macy 's said they were going to investigate, after about 2 months Macy 's said the dispute has been resolved and that I must pay the purchase amount. I told Macy 's that I can pay for an item that i did not receive, especially when the amount is over {$500.00}. I have been back and forth with Macy 's on this issue, rather than Macy 's resolving this dispute, Macy 's chose to impose the charge on me, and has gone ahead to report the charges on credit. 

I believe that Macy 's is trying to bully me to pay the money even when I did not receive the item in question. I suggested to Macy 's to ask the carrier where it left my package. I have been receiving packages from my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an credit with XXXX XXXX bank which has been charged off. Because I am having hardship I am now receiving help from a company which helps consolidate my debt. They have been making the agreed payments on time each month however it is still being reported that I am delinquent every month which is affecting my credit score. I was told by a representative when I called XXXX credit card department that I have to pay my full balance in order for them to stop reporting to the credit bureau that I am delinquent. This is wrong if I expressed that I am having a financial hardship and the program which is helping me is making timely payments. This is a form of bullying in order to get me to pay the full balance which I am not financially able to pay at this time.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

During the pandemic I had trouble keeping up with credit card payments. I enrolled with a non profit credit counseling agency ( XXXX XXXX XXXX XXXX XXXX  XXXX aka XXXX ) in XX/XX/XXXX. XXXX Representatives reached out to all of my Credit cards enrolled in their program to reach a terms of agreement and payment agreement. Note this was not a settlement. Full account balance payments would be paid but negotiations were made on lowering interest rates and amount due every month. My problem lies with one of my credit cards from Synchrony bank XXXX XXXX XXXX XXXX account. 
Synchrony agreed to XXXX agent proposal for no interest and a specific amount to be paid monthly and I have been making those payments regularly every month as agreed to XXXX who disperses payments to the creditors. Now in XX/XX/XXXX XXXX notifies me that Synchrony bank for XXXX XXXX XXXX account is charging me an extra $ XXXX. The XXXX agent and myself called on a conference call to inquire about the charge. Synchrony said that a promotion on the card ( which I knew absolutely nothing about and was NEVER discussed in XX/XX/XXXX or time of purchase in XXXX ) expired and since I didnt pay the full amount by XX/XX/XXXX XXXX 3 months after I enrolled in XXXX  Program ) I have to pay full interest for the balance. I expressed that I knew nothing about this and this was not discussed with me or the XXXX agent at the time of our new agreement in XX/XX/XXXX. They are now breaching the new contract we made in XX/XX/XXXX to charge me interest. This was lack of communication on Synchrony end and very deceitful. They agreed to have me pay the full amount with NO interest and now decides to charge me full interest on the balance. That is completely wrong. I would like the XXXX charged to my account removed as they failed communicating this with their customer and to the XXXX agent and are breaking an agreement. Regarding account ending in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest an unauthorized inquiry on my credit report. Upon reviewing my report, I discovered an inquiry that I did not authorize. The details of the inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and action.
Product: Mortgage

My husband ( now deceased XXXX XXXX ) created a XXXX line of credit in XXXX, with the Pentagon Federal Credit Union. 
In XXXX, my husband and I filed bankruptcy and included the PenFed Account in the bankruptcy discharge process. The bankruptcy was discharged in XXXX. I have called PenFed several times and sent an email to the address that was provided to me. No response. 
I am now trying to discover the following : XXXX. Was the Pentagon Federal Credit Union dept discharged in the bankruptcy? 
XXXX. If the debt was not discharged in the bankruptcy, then EXACTLY how much was owed? ( I feel certain that we did not owe $ XXXX at the time of bankruptcy full amount. ) XXXX. How can I obtain a release from my home, remove the lien and approximately how long will it take to receive the release? 
Can you help me with advice for getting a response from PenFed? Im trying to find out if I owen
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Credit reporting or other personal consumer reports

My apple card through Goldman Sachs is reporting a late payment for XX/XX/year> and XX/XX/year>. I have had this account for a very long time and had no issues. During this time I had paid the account in full and did not see any upcoming charges. However, I guess there was an interest charge after I had paid my account I was unaware of. I didn't notice or get a statement during this time and did not know this went past due. It was a small amount that I could have easily paid but I was never notified and I thought the account had a XXXX balance. It wasn't until I looked at XXXX XXXX that I noticed this.
Product: Bank account or service

I had Savings Account with Capitol One Bank I opened it in XXXX almost one year ago. I put all my life saving in it because of their high interest rate at that time, Also I was preparing myself to move to XXXX and buy a house there. 
In XX/XX/XXXX I moved to XXXX after I sold my condo in XXXX and added the sales money to the same Saving Account. 
In XXXX I found my dream house and I paid {$10000.00} to a Title Company and the rest of the buying price would be paid at the closing date. 
In XX/XX/XXXX I closed my saving Account with Capital One and asked if it possible to send whatever left in my account to where I reside in my brother house in XXXX XXXX. They decided it 's not aloud and they will send check by XXXX in the amount left to the original address in their record ( XXXX ). 
Since XX/XX/XXXX until this day XX/XX/XXXX I have n't received the check in XXXX or in XXXX. Every day since I closed the account I call about 2-4 time daily trying to know the fate of the check ( My Money ) with no avail. In every call I have to spend 10 to 15 minutes only trying to convince Capitol one Bank agent on the phone, that is me ( XXXX XXXX ) who was talking and asking about his money, and always the call ending without reaching any conclusion or knowledge where about my money. I asked, since no one cached any check yet, if they can transfer the money to a new checking account I opened here in XXXX, they said NO, or if they wire it directly to the title company, still NO. I could not find any way or solution to have my life saving money back, still no help from anyone big or small and almost no communication with their way of communications in the phone. 
The closing date with the title company on XX/XX/XXXX that mean if I ca n't have my money to pay the rest of the house price to the title company by this date, I will lose the {$10000.00}, the house and all the money I spent so far to secure the loan ( Appraisal, Inspection, Pay Insurance for the house for the whale year, and many ... many more about {$5000.00} so far ) Please Sir/Lady ; I beg you try to find some way to let me have my entire hard earning money other wise my lost would be a disasters for one like me living only on his S.S. money ...!!!
Product: Checking or savings account

In a prior CFPB complaint against Chase, I gave evidence that they had refused to compensate me regarding identity theft on my chase debit card. Please reference complaint XXXX. They had compensated me {$380.00}, and said they will resolve the {$170.00} by XX/XX/XXXX. I still have not heard a back about the {$170.00} despite Identity Theft being reported to the FTC and the sherriff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Checking or savings account

Due to professional incompetence, WELLS Fargo has closed my account, depriving me of my livelihood and creating a stressful situation for our family. On XX/XX/XXXX, we provided the information required to update our bank account. On XX/XX/XXXX, I called the specialized customer service department ( XXXX ) XXXX to verify that the online site still showed that we owed information. The representative sent me a secure route, and I attached the documents received on XX/XX/XXXX. As of XX/XX/XXXX, my husband 's salary has not been deposited from XXXX. And that's when we started contacting them to verify the situation. On XX/XX/XXXX ( XXXX XXXX XXXX ), we made an appointment, and we had to wait more than 20 minutes for the specialized department to respond and apologize without considering all the damages caused, including my health, causing a crisis in the XXXX I have and requiring medical attention. We are still waiting for a response and a solution, and our bills remain unpaid, and our livelihood is limited. There is no evidence that they are providing a solution because our accounts at Wells Fargo are performing overdraw and charges.
Product: Checking or savings account

I deposited four {$500.00} money orders on Saturday XX/XX/XXXX via the closest ATM to my location. You credited my account with a note underneath it stating that the monies would be available on XX/XX/XXXX. On XX/XX/XXXX you subtracted each of the {$500.00} money orders one at a time - throwing my account balances in whack, collecting insufficient funds fees to the amount of {$140.00} for transactions that were covered from a different deposit. 

After reaching out to XXXX they connected me to the website to track using the money order serial numbers and all for money orders cleared on the ninth. https : XXXX? XXXX XXXX serial numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and ( 5 ) XXXX. 

I have screenshots and will be submitting them to the CFPB to fine your organization & be investigated for fraud. How much interest do you collect on other peoples money without legally being allowed to do so? 

BANK OF AMERICA HAS STILL NOT RELEASED THIS {$2000.00} DEPOSIT HOLD ~ which I just proved was cleared on XX/XX/19.