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

i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.  XXXX   stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
Product: Mortgage

We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you
Product: Credit reporting or other personal consumer reports

DISCOVER BANK Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXXStatus Paid, Closed. 

XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$6500.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. {$520.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. {$300.00} written off. {$490.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5200.00} Status Collection account.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Product: Credit reporting

I had a XXXX card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year
Product: Bank account or service

My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.
Product: Credit card or prepaid card

I received my XXXX statement and paid the balance in full well before the due date. However, on my subsequent XXXX bill, I was charged full interest on the balance. I paid off the full balance well within the 21 day grace period, meaning it is illegal to charge interest on the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT This account should not be reporting on my consumer report as I am a victim of identity theft I have never had an account with this company and do not owe this debt. This account should not be furnished on my consumer report as they are in violation!!! Per U.S code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) 2 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 PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. XXXX XXXX XXXX XXXX Account XXXX 15U.S code 1681 c ( 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 in an alleged identity theft not later than XXXX business days after the date of receipt. PLEASE DELETE IMMEDIATELY
Product: Money transfer, virtual currency, or money service

On XXXX XXXX. I logged into My Cash App. I havent used it in a while, but I was going to pay someone back for some tickets I had received. I thought I was to send payment to $ XXXX, so I entered XXXX, pay, and $ XXXX user name came up in the choices when I typed in just a few letters. I have not paid this user before, and it did not occur to me that it wasnt him. After I submitted the payment, a few minutes later, I received an email to the address associated with my account, which stated : $ XXXX had collected his payment. 
I assumed all was well. The next day, I hear that I was supposed to have paid $ XXXX. I promptly tried to contact the incorrect person who stole my money. This person had to actually select an option to pull the money that was not theirs, into their account. This constitutes fraud. To knowingly take money that is not yours. 

The party I was supposed to have paid alerted me that they didnt receive the payment. I then realized the mistake, and paid the correct party. He had mentioned I just needed to contact Cash App and they can cancel the incorrect payment. First, I tried to submit a request to $ XXXX to send my money back, with a note saying I had sent it in error. I received a notification of declined from this stranger. I went to request the payment again, and they have blocked me. 
On XX/XX/XXXX, I reached out via email to Cash Apps support listed on the internet. Here is the string of emails we sent back and forth. It is beyond my understanding why Cash Apps would not help me get this money back. If the party that stole it, did so in error, they deserved to be helped, if they did it on purpose and knew all they had to do to get rid of me, was to block me, then that is wrong too! 
I know XXXX from Cash Apps customer service, was just telling me what he thought he had to. I honestly believe that Cash Apps owes it to their customers ( me ) to at least reach out to the incorrect party and request that they return the money that they applied to their account in error. 
I contacted my own bank where the funds were drawn from to pay CASH APPS ; and they said I had to contact the 3rd party vendor, which is CASH APPS/Square. I was given a XXXX prefixed number ( XXXX ) that took me in a phone tree loop, and I was not able to speak to anyone at that number.
Product: Debt collection

In 2019, this account was paid off in settlement with the agreement to have it removed from my credit bureaus. Paid in settlement. {$15000.00} written off. They refused to provide purchase agreement. Additionally, refused to remove from my credit report as stated JPMCB CARD XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

I set up a repayment plan through Primier Student loans center on XX/XX/2018. I set up autopay, and have been paying each month on time. The first 6 payments being {$220.00} a month and {$20.00} a month since. However, they have not made even 1 payment towards my student loans. My loan holder ( XXXX XXXX XXXX ) is now contacting me because loans are back in default and payments are now late. I have tried calling premier student loans, but they are currently not answering calls or e mails.
Product: Vehicle loan or lease

I leased a Nissan through Nissan Motor Acceptance Company LLC. I did a paid up 18-month lease and made all payments up front, over $ XXXX. At end of lease, I returned the vehicle with far less miles than I was allowed and in good condition. Later on XX/XX/year> I received a bill for {$410.00} explaining it was a lease disposition fee and I was being collected upon. 

When I leased this, I asked for an upfront amount for all charges and paid that and was not disclosed this crazy unfair end of lease fee. I believe this fee is just a way this company is gouging the customer with an unfair fee. Now they are threatening to turn this to collection, and this would certainly ruin my credit score which I am very concerned about but being held hostage with, on something I don't believe I owe. 

I called concerned and was told nothing they could do, could waive if I bought a new one, now there is another leveraged solution, OMG! 

I asked for their regulatory agency, and they then agreed to waive {$200.00}. I stated I wasn't going to pay anything as I don't believe I owe, and this is unfair practice. After insisting on who their regulatory agency was so I could file a complaint, they gave me CFPB and again stated they could waive {$200.00}. I don't believe in paying anything that would be admitting I owe which I don't believe I do. 

I believe this to be unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The  date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained  verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX  report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX  Syncb - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX   XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX   XXXX XXXX - XXXX1 inquiry to XXXX  XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account. I strongly believe that this limitation was placed by mistake, and I have not violated any PayPal policy. 

I was shocked to discover that my account was permanently limited, and I have been unable to access any of the funds or use any of the services that I had previously used without any issues. I have always been a responsible and honest user of PayPal, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I would like to respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that upon further review, you will find that there has been a mistake in placing the limitation on my account. 

Furthermore, I would like to provide my email address associated with my PayPal account, which is XXXX, and any other information that may be necessary to expedite this matter.

I appreciate your time and attention to this matter and hope that this issue can be resolved promptly. Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My home mortgage company ( Suntrust ) is dunning me and assessing penalty fees for money I've paid on time. Paymient in full was made on XX/XX/XXXX and XX/XX/XXXX. These funds were deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XX/XX/XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts..
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance. 
Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report.

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.
Product: Credit reporting or other personal consumer reports

Sent in disputes in the past for an account reporting on my consumer report that is showing late payments in the payment history. The account is inaccurate because I have never missed a payment for this account. ( XXXX XXXX ) THIS ACCOUNT SHOULD BE UPDATED TO PAID AS AGREED, NEVER LATE, PAID ON TIME IN THE PAYMENT HISTORY.
Product: Credit card or prepaid card

On XX/XX/2022 I purchase a XXXX XXXXXXXX XXXX  from XXXX. When I tried calling XXXX to dispute the charges. XXXX stated they couldn't verify the charges. I called Vanilla at XXXX and spoke to XXXX XXXX he stated that it would take 45 days for them to investigate the dispute. Vanillagift.com stole my {$100.00} and refused to give it to me. I filed a dispute with them case number # XXXX. They are selling used gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of Delaware has negative reports on all three credit reporting agencies. I was a victim of identity theft in 2009 and I never had a credit card with them. The identity theft was reported to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed several items on my credit report through Transunion credit bureau. These accounts I have no affiliation/business. And have no contract with said collection agencies. There has been no contact between me and TransUnion to give explanation why removals were completed at this time. The 30 days has lapsed for said accounts with TransUnion. And contract with collections agency doesn't exist according to the FCRA. 
1. XXXX XXXX ( for the amount of {$410.00} ) 2. XXXX XXXX ( for the amount of {$680.00} ) 3. XXXX XXXX XXXXXXXX ( for the amount of XXXX ) 4. XXXX XXXX XXXX ( for the amount of {$150.00} ) I am requesting that these items are removed from my credit report immediately with letter to follow.