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

Transunion, and XXXX are currently reporting negative information as a violation to federal laws. The XXXX Bankruptcy Court for the XXXX XXXX XXXX Georgia stated that they did not provide information to Transunion or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Mortgage

In XXXX I was approved for a XXXX through XXXX. Prior to closing, my Loan Officer went over final numbers which included a $ XXXX/mth XXXX option, and a $ XXXX/mth XXXX option. Just to my surprise, I notice after receiving my first bill that the XXXX option, which was the interest only payment, was not the numbers that the Loan Officer quoted me. I contacted the Loan Officer who went back over closing numbers and he again agreed that the numbers he quoted were correct according to his mortgage calculator. 

The Loan Officer later contacted a representative from XXXX who had already sold the loan to XXXX to see why the numbers had adjusted. According to XXXX, the rates had adjusted prior to closing and was never locked. Prior to closing, my Loan Officer said that I had the option of refinancing out of the loan with no additional closing cost or fees at anytime. Within the XXXX 6 months after closing on the Pay Option Arm, I decided that this mortgage product was very costly and decided to refinance out of the loan only to find out that pre-payment penalties were attached to the loan ( Pay Option Arm ). Negative Amortization was never explained to me prior to excepting the Pay Option Arm nor the pre-payment penalties. 

In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX. Due to the negative amortization, my loan was no longer affordable. I had exhausted the minimum payment option and became financially crippled. Not only was I not able to pay my mortgage, I also felled behind on my other household and financial obligations. This caused a major distraction in my marriage. In XX/XX/XXXX, my wife and I decided to separate. In XXXX XXXX, I decided to file a chapter XXXX bankruptcy because of the financial obligations that were left behind after my separation and I could no longer afford to pay my mortgage. In XXXX XXXX, my wife and I were granted an XXXX divorce by the state of Maryland. 

Many attempts were made to refinance or modify loan through XXXX XXXX XXXX but never could come to a mutual agreement on the terms. In XX/XX/XXXX, XXXX XXXX XXXX sold the loan to Nation Star who is now the current note holder. I have been approved for XXXX different modifications but I am not willing to accept any of the terms because of the delinquent payments that they want to attach to the loan. 

I have all of the original loan docs and they are available upon request. I was clearly a victim of predatory lending an unfair practices. Currently, I have an interest in the property and would like to continue living in the XXXX XXXX community so that I can raise my daughter in the community that has embraced her and has contributed to her well being.
Product: Bank account or service

Tried to open up an account with XXXX different banks but the banks wo n't let me
Product: Credit card

I don't actually have a credit card with PayPal Credit/Synchrony Bank , just a purchasing account. 

I made a purchase from XXXX on XX/XX/year>, which a refund of {$190.00} was done by the company on XX/XX/year>. I used my PayPal Credit/ Synchrony Bank account for the initial pupose of {$400.00}, order # XXXX. 
XXXX notified PayPal Credit/Synchrony Bank and refunded the {$190.00}. However, PayPal Credit/Synchrony Bank erroneously charged the amount to my account several times, then refunded the {$190.00} once, but continued charging the {$190.00} that should never have been charged. 
This all began on XX/XX/year>. I've contacted them countless times regarding their error, yet they've continued the charge, and allocating my payments, NOT as I've requested and indicated. My payments were to be applied to my promotional purchases, which from that point in 2023 all my purchases were promotionals. As a result of the fraudulent charge of {$190.00}, and portions of my paymments being misapplied to the {$190.00}, some of my promotional purchases were not paid off timely, and interest was charged for these promotions that went into arrears. 
I've contacted PayPal Credit/Synchrony bank each and every month to make payments and allocate which purchase the payments were to go to, yet they've continued to not correct their error and to misallocate my payments as they see fit. 
They send me generic letters stating my payments were allocated as requested and as required by law, yet the letters are NOT specific in what amounts were allocated and to what or which purchase account. 

I want the {$190.00} refunded as well the interest charged as a result of mis-allocating my payments to that amount. 

Email from merchant : Subtotal : {$410.00} Regular Shipping : {$0.00} Discounts : - {$16.00} Coupon XXXX Applied ( 4 % off on all orders with coupon XXXX ) for {$16.00} TOTAL : {$400.00} Refunds : - {$190.00} TOTAL CHARGED : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

In accordance with the Fair Credit Reporting Act 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, and XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In XXXX, I initiated a " bill pay '' transfer from Bank of America checking account to another financial institution. I requested that the funds reach the second institution by a certain date but it wasn't received by the second financial institution. Yet, the funds were taken out of my account. On XX/XX/XXXX, I called Bank of America to inquire, and their customer representative suggested I stop payment on the " bill pay '' transfer, which I did. Bank of America has NOT returned the funds to my account. The second institution does not have the funds, and the funds have not been returned to my Bank of America account. 

I called Bank of America again ( two days later ) to ask why the funds have not been returned to my account. The person I spoke with said that their customer representative did not process it correctly. 

It's been 24 hours since my second conversation with the bank about this issue and more than a week since they removed funds from my account for a " bill pay '' that was not delivered. I currently do not have possession or access to those funds because they have not been returned to my checking account, and I decided to file this complaint. 

I received two identical email messages ( one attached ) from the bank - two days apart - regarding the incomplete " bill transfer '' and the stop payment. [ Online Bill Pay Message : Case ID XXXX ]
Product: Checking or savings account

I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX Mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few weeks, Experian has dropped my credit score over 35 points for absolutely no reason whatsoever. I recently paid off my vehicle loan and 3 weeks later my score dropped from XXXX to XXXX. Approximately 1 to 2 weeks later it dropped again from XXXX to XXXX. During this period there were no inquiries into my credit, no late payments, no new accounts opened. This enormous credit score reduction has absolutely NO basis in actual credit usage. Additionally, I have tried repeatedly to reach the company by phone or email only to realize that there is NO WAY to reach a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Product: Money transfer, virtual currency, or money service

The amount was {$840.00} XX/XX/XXXX Someone stole my card and stole money money fraud
Product: Student loan

I have tried multiple times to contact the company that holds my student loans to let them know I do not have a job to pay back my loans. They have denied forbearance. The company keeps reporting my delinquent payments, causing a negative hit to my credit. How can a loan be payed back without money. I need a student loan charge-off.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX I noticed my account was overdrawn and I was immediately confused because in my transactions there are no recurring charges that came out. Then as I looked through my list of transactions I was looking to see if the refund I have been expecting is still pending. But no it said it was credited to my account balance XXXX but I vividly remember checking multiple times throughout the day to see if it was posted but it never was. So I immediately reached out to bank of America and they said I spent it and made my transactions list misleading. I told them that's impossible because I kept checking XXXX account balance over and over but never got it credited. But in there side it made it look like I got it and spent it XXXX and that it did show up in my balance. I'm so frustrated because there were two refunds. One for XXXX and another for XXXX and now I'm never getting them back
Product: Checking or savings account

I did initiate wire from my own account ( marcus ) tranfer from marcus via phone due to large amount on XXXX XXXX XXXX XXXX XXXX PST to My XXXX XXXX and according to marcus on their website wire before XXXX will process on the same date but i did contacted them 3 times regarding status and still pending on XX/XX/XXXX. Its my own fund and they are delaying it. they should have wire out same day but i am writing complain on XX/XX/2023 XXXX XXXX PST and still not transfer has been done i still see funds in my marcus account. I am also suspecting they will not be proving me this delay days interest also.

I am attaching their own rules from their site for wire transfer details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Credit reporting or other personal consumer reports

Amex/XXXX  charged off my credit card ( account number XXXX ) in the amount of {$6000.00}, but never provided the 1099C. In addition, Amex/XXXX  already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Mortgage

Flagstar mortgage requested a {$150.00} payment to remove my PMI. The check was cashed in XX/XX/2022. Flagstar says Fannie Mae tried to inspect my home but was " denied entry '' so they canceled my request without telling me. Fannie Mae never scheduled an inspection appointment via email or phone call, and never came to my house. I have called and emailed Flagstar three times since XXXX, and still am paying PMI with no inspection scheduled. They never refunded my {$150.00} for the inspection.
Product: Credit card or prepaid card

I called AmEx on XX/XX/ to request credit for interest charges I incurred unintentionally. XXXX told me that the companys policy was to credit back only one interest charge in a 12 month period. Without further consulting me, XXXX proceeded to tell me my account would be credited {$46.00}. This was deceptive and unfair for at least 2 reasons.

First, AmEx broke down and stacked interest charges, even within a single month, so that its one time only policy actually doesnt even cover a full months interest charge. So, even though I was calling to request credit for {$160.00} in interest, I will apparently only be getting a little more than 25 % of that amount back. Indeed, on my most recent statement ( covering XX/XX/XXXX to XX/XX/XXXX ), the total interest charges ( there are no penalties ) are {$98.00}, but AmEx broke that amount into two charges, both debited on the same day ( XX/XX/ ), and then promised only to credit me an amount equal to one of those charges ( {$46.00} ). When I asked why AmEx had broken interest charges up within a single day, XXXX could not provide an explanation, nor does one appear on my credit card statement. By breaking up and stacking interest charges, AmEx avoids having to actually honor in full its supposed policy of crediting its customer for a single interest charge. Instead, its actual ( but inaccurately described ) policy is to credit only a portion of a single interest charge. I think AmEx should acknowledge that its policy is deceptive and unfair and credit me the full {$160.00} in interest. 

Second, AmEx implements its deceptive policy so as to minimize its refund to its customer and maximize the charges its customer pays. As noted above, by breaking apart and stacking interest charges, AmEx avoids having actually to honor its announced refund policy. It goes even further by selecting the lowest interest charge to refund, rather than selecting the greatest charge or allowing its customer to choose. Thus, on my call with XXXX, AmEx unilaterally chose to credit the lesser of the two interest charges it stacked and debited on XX/XX/23. That is, rather than crediting me the larger interest charge debited on that date ( {$51.00} ), AmEx unilaterally debited the smaller interest charge it broke out and debited on that date ( {$46.00} ). When I asked XXXX to debit the highest interest charge amount ( {$53.00}, debited on XX/XX/23 ), he refused, saying the system would not allow him to do that. AmEx is implementing its policy dishonestly and in a manner designed to take advantage of consumers.