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

I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called XXXX and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to XXXX of the matter and they said they were not reporting to XXXX and informed me that XXXX is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called XXXX on this information and they told me they would file a dispute. 
I received information on the completed dispute from XXXX on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. XXXX is using the 3rd party vendor LexisNexis who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to XXXX, however they will not contact XXXX since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.
Product: Vehicle loan or lease

I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report includes multiple names, NONE of which is my legal name.     Can not get them to change it. I am worried that their inaction is masking some sort of fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? Please delete these accounts.I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.I request that all written confirming regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

Received bill in XXXX, XXXX card, Comenity Bank. Paid balance in full ( {$74.00} ) on XX/XX/23 in advance of due date XX/XX/23. Paid by electronic transfer from my bank. Comenity claims they did not receive my payment. I disputed this. Received " secure message from them stating that " I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. I apologize for any inconvenience you may have experienced. I did a review of your account and I see that the dispute has been filed on XX/XX/2023. Our dispute team is working dedicatedly in regards to your concern. Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies '' Nevertheless this " delinquency '' was reported to credit agencies ( XXXX ) and as a result my credit rating has dropped from XXXX on XX/XX/23 to XXXX on XX/XX/23. Comenity says they will investigate and if I am right, they will correct my credit score. XXXX they said they wouldn't report it ; XXXX. 90 days at his much lower rate is literally hurting me. All because they can't find the money I sent to them on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report through XXXX XXXX. The status listed under XXXX XXXX shows Equifax block forwarding updated copies of my report since XX/XX/2017. 

Furthermore, I have contacted Equifax several times to tried to resolve this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation of the FCRA and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
Product: Mortgage

In XX/XX/2023, during the home buying process, I was in-between picking XXXX XXXX and Pulte Mortgage ( my builder 's lender ) to be my mortgage company. I decided to go with Pulte Mortgage because they were offering discounts to use them. the initial lender estimate I received showed my closing costs just under {$7000.00}, so I decided to go with them and buy down my rate. 

In XX/XX/2023, I received a lender estimate from Pulte Mortgage following the signing of my contract and buying down my rate, that my closing costs would be around {$22000.00}. this included a seller discount/credit of {$28000.00}. this was signed by me on XXXX XXXXXXXX XXXX, and referred to multiple time over the next couple of months. 

I was scheduled to close on the home XX/XX/XXXX, XXXX for the weeks leading up, I repeatedly asked for my closing cost number so I could be prepared, but was continuously told it was not ready yet. 

On XX/XX/2023 around XXXX, I received my final closing costs, which was {$27000.00}. Instead of the {$28000.00} in seller credits, I was only receiving {$13000.00}. I was not able to speak to someone until Monday, XX/XX/XXXX, the day before my closing. When I asked about it, I was told that they " accidentally '' were giving me an additional {$9000.00} discount that they weren't supposed to. The lender estimates I received gave me {$24000.00} in closing cost credit and {$9000.00} off the home price. They claim that the offer I was supposed to receive was {$9000.00} off the home price and up to {$15000.00} in closing costs assistance. I decided to use them as a lender based off the lender estimates they shared with me, which I signed. I was unaware of the offer they claimed, as all I ever saw in writing and what I signed gave me. 

When I argued that I should still receive the discount, they refused to give it to me. I was told I could bring the additional money to closing or add the additional money to the home price or I could not have the home. I did not have the additional money, so I had to add it to the home price. I had to sign a change order to the new home price, and my mortgage and other monthly costs increased about {$50.00}.
Product: Credit card

This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.
Product: Checking or savings account

A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into my account.
Product: Checking or savings account

on XX/XX/2023, Northwest Bank Routing number XXXX XXXX, PA. 
Northwest used Right of Offset on a Joint Account without my knowledge ( I was not the at-fault account holder ). I called an explained the situation and the supervisor, XXXX, said it's their right to obtain their money anyway possible, even if it causes overdraft fees. The amount they took out was over half of what was in the account, less than {$1000.00} in account at the time. He didn't care and said if the autopay bills overdraft, I will be responsible for those fees as well. I explained I was not notified of any Right of Offset and he said I will be receiving notification in 3-5 business days AFTER the fact. I asked why I wasn't notified because I am an account holder, and he said the business is with the other party and I'm not subject to that information. This is unethical! I should be notified of any penalties BEFORE any actions are assessed. I wasn't given a chance to get my name off the account or any other action. Furthermore, I was not aware of the other account holder 's delinquency with a previous account. This should not be allowed by ANY institution. I feel victimized in this process and will now be held liable for any additional fees the bank decided to help themselves in obtaining KNOWING FULL WELL the Right of Offset would cause the account to become delinquent. I was not treated fairly, with respect, as a member in good standing, or as a citizen of the US. If the bank has issues with the other account holder, those issues should have been handled in a different manner and leave me out of it. Now, I'm out over {$500.00} and probably more. To be clear, XXXX basically said too bad, take the money out of another account if you don't want more fees. This is unprofessional and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When looking at my credit score and history, a credit card shows up that I have no idea of till just recently. It is 99 % capacity, $ XXXX out of $ XXXX. The card was made back in 2016, when I was a minor! This literally showed up on the credit report randomly like magic. There's literally no way for me to pay any of that cause I didn't spend it or have access to the card. I can not get a hold of the bank, CITIBank cause, again, I have no access to the account. Even with access to the account and me magically having that much money, credit score predictor shows that I can not revive my previously good credit score. I have had a fraud alert on the identity and credit for these last couple of months, so this is even more fraudulent, When double checking my credit through XXXX, I got a number to call support and the only human I got was for debit accounts. which wasn't helpful cause I have no idea any of the information that is associated with this account. How are they even connected to me but I don't have any access?! My ssn isn't even connected!
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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 XXXXXXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by TransUnion, XXXX and XXXX. Meaning I should be getting a check for {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX XXXX XXXX continues to tell Transunion, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Product: Money transfer, virtual currency, or money service

I was selling items on XXXX. 
Things were going well up until I started scaling my store and growing as a small business. I started getting higher revenues and I noticed PayPal started holding funds, placing random holds for unspecified amounts of days, which I did not mind since they have to verify their sellers one way or another. 
Up until I reached a certain point in my journey- they placed a hold on my accont- asking for ridiculous amounts of information I had already submitted. After a few days, it turned into a permanent suspension and freezing of my money in the account for 180 days. 
That caused my small business to crash, caused a lot of issues with customers because they wouldn't even let me refund customers that had issues with their orders... Anyways I gave up on the thing I was doing because of them and decided to wait the 180 days out, take my money out and leave this bad company once and for all... 
181 days of the hold on my funds - I log into my account to find that PayPal has stolen my money out of my account. 
For the next 3 months, I have been e-mailing, calling, texting on XXXX, XXXX EVERYWHERE looking for help and answers for their unlawful actions against me. 
During the 180 days also I'd like to add that they were unfairly issuing refunds and were charging me Dispute fees for disputes that were either fraud or non-existent. 
No warning... Just took the money out and claim I caused damages to their business... 
I have done nothing wrong. 
ALl my orders had tracking information, all my customers received their products, left good reviews and feedback and yet PayPal still took my money like that... 

I demand a full refund and legal action against this fraud company. 





XXXX XXXX XXXXXXXX I will just put this here. 

They pretty much stole my money for nothing. They had previously blocked my account for 180 days. Once the 180 days passed and my money was ready for me to withdraw and cut ties with that company, they went south on me and stole all the balance. 

They claim I've done damages. 
{$6100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) This is what they told me. No further explanation. Nothing.