23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I closed on my property with XXXX Bank for {$180000.00}. Then on XX/XX/XXXX records with XXXX XXXX  closed the account showing the debt as paid in FULL ( {$180000.00} ). 
Since then, I have been receiving correspondence from PennyMac stating they're the new servicer of the loan transferred from XXXX XXXX 
Beginning XX/XX/XXXX, I've been sending correspondence to PennyMac inquiring about their GAAP accounting and requesting a contract with PennyMac and my signature as consent. Neither requested items have been furnished for my record and according to XXXX XXXX tax records the account has been satisfied and closed. 
After several failed attempts of me requesting this information from PennyMac on XX/XX/XXXX, I was denied my right to a bill of exchange for payment coupons addressed to the property, which proves a point that the debt doesn't exist. Also on XX/XX/XXXX, I was addressed to Cease and Desist, and I don't understand that response. I'm dealing with threats of foreclosure with no proof of claim from PennyMac.
Product: Credit card or prepaid card

I have a Discover credit card account, and on my statement I noticed a purchase on XX/XX/2017 from a clothing company in Arkansas. I did not recognize the charge. I immediately notified Discover and they began an investigation. On XX/XX/2017, I received communication from Discover stating that " The dispute was previously resolved in your favor, but after reviewing this new documentation ( from the merchant ) we 've determined that the transaction is valid ''. I have also reviewed this " new " information provided to discover from the merchant. On one page the merchant says it was a telephone/mail order. Then a hand written note states the order was made by e-mail. The merchant complains the charge back was invalid and now Discover has reversed its decision. A matter of note, much of the documentation from the merchant is unreadable due to small type and poor copy quality. Also, on one page the merchant is named as " XXXX XXXX '' and on another page as " XXXX XXXX XXXX ''. The purchase in question is listed as clothing. I absolutely did not order clothing from this company. I do n't see anything new here, just contradictory information and/or statements. Discover also states, '' We are required to report your account to the Consumer Reporting Agencies as a disputed account ... '' This appears to me as a muted attempt to intimidate the customer into removing the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all inaccuracies and double accounts and send an updated report to my address
Product: Checking or savings account

Hello, In XXXX I opened a checking account with a promotion for {$250.00} with the following terms : Requirements to Receive the {$250.00} Bonus : Apply for a new consumer Any Deposit Checking account with a promotion code either online at XXXX : XXXX  or in a branch between XX/XX/2021 and XX/XX/2021 with any opening deposit amount ( {$0.00} or more ). Any Deposit Checking account must be opened by XX/XX/2021. 

All deposits must be posted by XX/XX/2021. 

Bank of the West Checking account must be in open status and have a positive balance greater than {$0.00} as of XX/XX/2021 to be eligible to receive the bonus. 

Bonus will be credited by XX/XX/2021 to the new, open Bank of the West Checking account. Account must be in open status to receive the bonus. 

I have fulfilled the terms of the bonus with DD of {$1000.00} in XXXX, XXXX, XXXX and XXXX and have not received the bonus. When I inquired, there was a long delay and then they were unable to confirm the bonus and said bonuses would post in XXXX : Here 's the message : We sincerely apologize for the delay in responding to your message. We have experienced an increased volume of messages from our customers, and are responding to them in the order in which they were received. 

We deeply regret this inconvenience. 

Review of customer qualification for our Consumer Checking Account Campaign will automatically occur for all the participating accounts during the month of XXXX. As a result, we are unable to confirm that the requirements have been met, or speculate the final outcome, as additional terms and conditions apply. 

Please review the campaign criteria, and evaluate your account activity to ensure you have met all the requirements. Statement credits will be issued by XX/XX/2021. 

Thank you for contacting Bank of the West. We appreciate your business and the opportunity to serve you. 

Sincerely, XXXX XXXX 
Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright 2021 Bank of the West. All Rights Reserved. Doing business in South Dakota as XXXX XXXX XXXX XXXX XXXX 

Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY You can send money to friends, family, and almost anyone you know and trust? Its easy. Go to bankofthewest.com/onlinetips to learn more. You must be enrolled in Online Banking to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage. 

-- - Original Message -- - Sent : XX/XX/2021 XXXX AM To : BOW Subject : Contact Customer Service Account : Hello, I'm writing to follow up about the {$250.00} bonus to my account. I have met the DD requirement and according to my notes the bonus should have been deposited in XXXX. Could you please tell me when the bonus will post? 
Thanks, XXXX Considering I met the terms of the promotion. I would appreciate that the bonus be paid now since it is already past the date stated in the terms. 

Thank you
Product: Checking or savings account

Purchase an item online via Paypal but the it was not delivered. I tried reaching out to both the seller and Paypal but have not received any response from the two parties. I contacted my bank XXXX  XXXX  XXXX XXXX XXXX but they referred me to this Bureau instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This account was charged off XX/XX/2019. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXXXXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report
Product: Checking or savings account

I was granted guardianship of an incompetent individual on XX/XX/XXXX. In late XXXX, I was granted payee for the same person. I am trying to open a joint checking account, as instructed by SS, and PNC keeps giving me the runaround as to why I ca n't!! I have been to probate three times, SS once and I have all the documentation that is legally required to open and account and pay this man 's monthly bills.
Product: Debt collection

I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX. 

Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused. 

Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes :

Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inq
uiry with an original s

igned contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandate
s the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Checking or savings account

Last XXXX i got XXXX charges from XXXX XXXX XXXX which should not have been charged. 
Debits XXXX {$120.00} XXXX {$120.00} I filed a claim for both and got provisional credits from Chase Credits XXXX {$120.00} XXXX {$120.00} XXXX XXXX XXXX credited my account for the amounts. 
Credits XXXX {$120.00} XXXX {$120.00} Chase debited my accounts for claim reversal since merchant credited my account Debits XXXX {$120.00} XXXX {$120.00} I got another charge for {$120.00} on XX/XX/year> so i called the merchant and they said there was no charge so i called Chase to file another claim and they said that i could not file another claim because this was an adjustment from the claims i made in XXXX. They stated that i was credited more than i should have and that as a client I was made whole so no adjustments can be made. Ive escalated this on the phone, with claims, escalations many times and also went to a branch. The corporate escalations did nothing as well. They took my complaint, and gave me the same response. Their system shows i have been made whole and that the transaction on XX/XX/year> was an adjustment from previous that i was credited extra. 

I have not been made whole. Currently i am out {$120.00}. I dont know what system the claims department uses to see the transactions but as a customer i can only base it on what i see as a customer in my transaction history. I asked the chase employees i spoke with on the phone and the employees in the branch and they all confirmed they see the same transactions as i do so i dont understand why the claims department shows i have been made whole when right now i am missing {$120.00} dollars due to the debit on XX/XX/year> for {$120.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my XXXX  credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with XXXX  and Transunion based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made XXXX  and Transunion aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of idenitiy theft, this has stopped me from buying a home. I did not open none of these account and by law i deserve a fair consumers report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information
Product: Money transfer, virtual currency, or money service

On my PayPal app I received an alert that I have sent XXXX, XXXX XXXX, {$22.00} GBP which is {$30.00} USD. I never authorized that money and i dont even know who that is. This happened on XX/XX/XXXX at XXXX XXXX EST. I have filed a dispute but they will not follow up with me instantly and this XXXX XXXX person is supposed to fully receive the money on XX/XX/XXXX. I think I may have gotten my account scammed. I already changed my password. Please help me get my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXX Of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.
Product: Credit card or prepaid card

At the beginning of this month, I attempted to use my paypal credit account, which I ve had for years, to make a purchase of about {$400.00} at XXXX The transaction was denied wth the response " a problem occured with paypal ''. 
I called paypal and was passed to their " security '' dept. I was then told, that " paypal was in the process of changing banks ''. And this would take a few weeks to complete. I was told to try again later ''. 
I asked for a detailed explanation since their assertion seemed contrived, for I did not think they had suspended their business in the mean time. I said to them that their denial of my transaction, was in effect denial of credit, and since my credit score is above XXXX, and have not had any problems with them, no previous payment issues, I was entitled to an explanation. They refused. 
2 days later, I called and asked that my paypal credit account be closed since I could not use it. I was then told that, in fact, it had been previously closed! Obviously they had in their previous explanations lied to me. 
To date there has been no explanation, and I think their dishonest conduct, in the total absence of any issues on my part, is completely discriminatory, unfair, and unwarranted.
Product: Credit reporting

I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX XXXX every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
Product: Credit reporting or other personal consumer reports

Account is open and shouldn't be. 
Dates opened are incorrect. 
Credit limits are incorrect. 
This account is charged off status. 
Last active date is wrong as well please remove this from my credit report I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested and/or demanded that Experian and Experian XXXX and their subsidiaries and consumer reporting arms remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX , PA XXXX To whom it may concern, I was informed by your company ( XXXX ) that account # ( XXXX ) with XXXX XXXX was deleted from my credit report. 
I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business after the Reinsertion or, if authorized by the consumer for that purpose, by any other consumer if Authorized by the means available to the agency I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this and I now reserve the right Pursuefor this clear violation of the FCRA! 
I demand that you immediately DELETE this Account from my credit report in order to avoid legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973