23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I deposited the settlement check into my personal checking account. By XX/XX/XXXX I received a message by Citibank the fraud department told that they was about to close my account which is made me call and I was given XXXX to XXXX  days for an explanation. As XXXX and XXXX  days has pass I didn't receive no letter in the mail. on XX/XX/XXXX i got a letter saying i was going to receive a check with the funds XXXX days. It is XXXX  days. i contact the executive team still no answer we on day XXXX and still no answer, on when i'm going to receive my funds. I don't understand what's the reason why this bank has put me through this. It should've take this long for them to send me my funds we only talking about {$5000.00}. We're not talking about millions of dollars and they all blame me the back office every time I ask but my question is if I'm talking to the executive who is the back Office? I thought executive was the top of the top
Product: Vehicle loan or lease

I leased a new Mazda 3 from XXXX XXXX, financed by Chase Bank. I made payments on time, paid off the lease a few days early, and leased a new Mazda 3 with the same companies. When I was setting up the automatic payments with my credit union, I made an extra payment because I was n't sure that the set up would be working in time for my next payment. It was, and now Chase Bank will not return this extra payment. The payment amount is {$240.00}. The listing of payments provided by XXXX, shows that I made XXXX payments and it shows the residual payoff to be less by that amount, so XXXX either kept my payment or passed it on to XXXX XXXX when they sold them the car for resale. Additionally, both companies " dinged '' my credit report resulting in a point loss, despite my having done business with both of them in an exemplary manner for three years. Very unfair actions!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

After XXXX XXXX in XXXX, Carrington Mortgage Company offered a forbearance for 90 days. I took advantage of this forbearance, allowing me to skip XX/XX/XXXX & XX/XX/XXXX payment, with the total amount of the forbearance due in XXXX of XXXX - and was paid in full by the due date. 

I have learned that those 3 months have been reported to the credit bureaus as late. I called Carrington today ( XX/XX/XXXX at XXXX XXXX EST. I asked them why it was reported as late when Carrington made the offer to me and I made all payments as agreed. Carrington confirmed that the information reported ( that my payments were late ) is accurate and they would not update the reporting. 

This is quite unfair- I was without power after XXXX for 17 days, and agreed to this over the telephone- I saw that they were held accountable for charging fees to make payments, so I'm hoping that Someone will hold them accountable for reporting late payments when they were all paid as agreed. 
Thank you for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Mortgage

Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities.

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Debt collection

Affirm will not stop contacting different collection agency after I had already cancelled the trip and sent them the cancellation number. My XXXX XXXX refunded me the money and settled this matter. Affirm said I still owe them XXXX. The trip costed XXXX. This trip was cancelled back in XXXX of XXXX. The trip was setted up for XXXX of XXXX. The XXXX XXXX XXXX, I informed them of the matter and sent them a copy of my credit report proving that I do not owe Affirm money. The dispute it back in XXXX of XXXX and dropped the matter. Now, Affirm has contacted another agency called XXXX. Again I sent them the XXXX XXXXXXXX statement to prove I do not owe them money and this was settled back in XXXX of XXXX. I also gave them the cancellation number. They informed me it does not matter. I still have to pay for a trip I never took and I cancelled it with XXXX. I informed a family member of this and they told me to report it to your company. I do not believe Affirm will stop there but keep going to different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified of potential list of those affected by Equifax data breech.
Product: Checking or savings account

I am writing to dispute the following operations to my account that were not carried out by me in any physical or online form. I obtained this list by calling the telephone number of attention in XXXX that is on the back of my debit card ( XXXX ). 


Date Merchant/Operation Amount Reason for dispute XX/XX/2022 Cash Withdrawal {$8500.00} This transaction was not carried out by me or with my consent XX/XX/2022 Cash Withdrawal {$19000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Transfer made in a branch {$2800.00} This transaction was not carried out by me or with my consent. I did not go to any Wells Fargo branch to make such a transfer. 
XX/XX/2022 XXXX {$69000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Debit {$45.00} This transaction was not carried out by me or with my consent I opened a claim about unauthorized changes to my personal information on XX/XX/2022, the claim number is XXXX. I informed the bank I could not go to any Wells Fargo Branch for the next few months during the call. How is it possible that the bank did not put a hold on my account and allowed these unauthorized transactions of thousands of dollars after I filed the claim, knowing those are not usual transactions I would make. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amounts be credited to my account, that I get an accurate statement, and that my account is put on hold until I can physically go to a Wells Fargo branch to have my personal information updated and to prevent future unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 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 days after the date of the 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 as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 INSTRUCTIONS 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. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE DELETE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a charge of {$320.00} from Citizens Bank for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from Citizens Bank dating back to XXXX which appears on my XXXX Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX  Certification process and can not complete the process because of an inability to have Citizens Bank clear this from XXXX. I called Citizens Bank and was transferred to Citizens Bank collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with Citizens Bank for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, Citizens Bank claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from XXXX XXXX Without deletion, this report on XXXX prevents me from certifying my business with New York State. An inability to complete my NYS certification keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
Product: Credit card

We have been having issues with Citi Credit since XX/XX/year>. 

Our final request for credit of {$74.00} is still pending. 

Our last statement indicated the amount has been refunded but we are NOT in receipt of refund. 
This is the SECOND refund sent not received. 

Please have Citi show proof the check has been cashed by us. 

Thank you kindly for your assistance! 

XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, 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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have a cc with Capital One with a credit limit of {$3000.00}. On XX/XX/XXXX a minimum Capital One cc payment was due. I made a payment of {$1900.00} which they withdrew from my checking account on XX/XX/XXXX. On XX/XX/XXXX my cc was declined for a {$21.00} purchase. I looked up my account on the Capital One website and saw I was being charged a late fee and my cc wasn't credited the {$1900.00}. My cc balance was still {$280000.00} with only {$11.00} of credit remaining. 
I called Capital One customer service and got to speak with a manager, XXXX XXXX. He couldn't find any money that was sent to them, no record of any payments at all. He assured me that all account payments are electronically handled, there is no error. There is a problem. This has happened to me before in the past with Capital One. 
Isn't this called floating? 
XXXX XXXX assured me that all payments are posted and credited the next day, including Saturday. After stating this I asked XXXX XXXX, so where's my credit? Capital One took the money from my account on XX/XX/XXXX, why wasn't it posted on XX/XX/XXXX? He assured me it would post on XX/XX/XXXX. 
Isn't this floating? It's cheating. How many other peoples payments are being floated along with mine? Please stop Capital One from doing this again.
Product: Credit reporting or other personal consumer reports

Im filing this complaint against transunion They have failed to attach the police report I sent them and the ftc identity theft report, two accounts thats on my credit report needs to be removed before I add transunion into my lawsuit I am a victim of identity theft and my complaint and documents are being ignored and not handled correctly and transunion comes up with excuses not to help or take care of the issue. I want these accounts taking off my credit or I will sue transunion for failure to properly handle this issue and correct my credit report as I requested and now demanding, take off these accounts immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX card I did not open these accounts and do not ignore my CFPB complaint and I was made aware on a call this morning that yall didnt receive my documents but I have proof by the CFPB that they in fact sent these documents this will be. Used as proof that filed several times and nothing done about the issue now I demand that these accounts be taking off thank you.
Product: Debt collection

My complaint is against : https : //creditcontrol.net/ They received a request to collect from : https : //frontier.com/ This was a problem CAUSED by XXXX XXXX. I have called them MULTIPLE TIMES, including yesterday XX/XX/2022. 

When I sold my home in XX/XX/2022 in Texas, I left the internet connected for the buyer ( it's a highly automated smart house and the buyer was going to need the connection ). The buyer DID transfer the service, today on the call XXXX  acknowledged that the buyer has transferred the service and that they will REMOVE the balance due. I have made multiple calls to XXXX, been told that SEVERAL times already and that this was disputed yet they still sent it to XXXX XXXX XXXX. Once again, XXXX has assured me that when they zero the balance the collector will be notified and the credit report will show XXXX balance owed. My credit rating is usually close to XXXX and I don't XXXX around with folks that I actually owe money to, but I also have XXXX tolerance for those that bear false witness against me. 

This was NON-MEDICAL You can call XXXX communications ( XXXX ) as this was CLEARLY THEIR MISTAKE. 

My complaint is that 1 ) this was sent to collections while disputed and 2 ) the XXXX XXXX, who also knew it was disputed, placed a flag on my credit report. I am the victim of improper tactics when a disputed charge was placed on my credit report and I want all record of this removed.