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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it XXXX concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit/consumer report issued by your agency. 
These items must be removed in order to show my true credit/consumer history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, Under 15 U.S. Code : ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I requested that you reverify each of these items, and that the inaccurate items be deleted from my records. And ALL inaccurate deleted from ALL of your subsidiaries.

Items to be deleted for inaccuracy will be as follows : 1. All address listed are inaccurate. ( My address is listed above. ) XXXX. XXXX XXXX Proceedings are inaccurate. ( I never had an Eviction ) XXXX XXXX XXXX XXXX XXXX amount incorrect and have inaccuracy. 

XXXX. Collections XXXX XXXX account never was in collection. ( Account paid in full ) XXXX XXXX Accounts XXXX of the following listed accounts are past the statute of limitations. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX XXXX Accounts XXXX listed XXXX XXXX are inaccurate due to wrong amounts, paid status. Please reinvestigate all XXXX Accounts. 

Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. 
According to the law, failure to correct/delete inaccuracy items within XXXX ( XXXX ) days constitutes reason to deleted/drop the information from my consumer/credit file. And all of your subsidiaries notified of all corrections. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted.

Under 15 USC Section 1681J, there should be no charge for this notification or for the corrected copy of my consumer/credit report.

I will also inform the Consumer Financial Protection Bureau of the request. 

Thank you for your assistance in this matter.
Product: Credit card

CFPB Note, please correct my phone number from the one you may have on file to this one : XXXX ( XXXX ) XXXX I am filing this complaint against PayPal regarding a fraudulent transaction on my account that was incorrectly handled. This was reported on XX/XX/year>. My PayPal card was lost, and unauthorized charges were made before I could report it. When I contacted PayPal to dispute the charge of {$400.00}, the agent assisting me filed the dispute under the wrong category, labeling it as a " canceled service '' instead of an " unauthorized transaction. 

When I initially reported my card as stolen over the phone, the PayPal agent who assisted me created a ticket in their system ( XXXX XXXX XXXX However, they incorrectly categorized me as someone who had made an online purchase, which caused confusion in the dispute process. As a result, PayPal denied my claim, believing that the transaction was normal and authorized rather than fraudulent. 

As a result, PayPal closed the case in the sellers favor without properly reviewing the fraud claim. Despite my repeated attempts to correct this, I was met with unnecessary delays and misinformation. I eventually had to escalate the matter and insist that PayPal file an appeal to reclassify the dispute under the correct category.

I am requesting that PayPal properly investigate this case as an unauthorized transaction and issue a refund. Additionally, I would like clarification on why the case was closed in the sellers favor initially, despite clear indications of fraud. There have been no updates and my case remains closed.

Here is the overview of my attached conversation from XX/XX/year> at XXXX XXXX. Find the audio file attached to this request : Overview XXXX XXXX contacted PayPal to report unauthorized transactions on his account after his card was stolen. Initially, a case was filed, but it was closed incorrectly, labeling the transactions as " canceled service. '' XXXX disputed a {$400.00} charge and was referred to an accounts specialist, XXXX. XXXX reviewed the case, confirmed the transactions were unauthorized, and filed an appeal to reopen the case. She changed the dispute reason from " canceled service '' to " authorized transaction. '' XXXX assured XXXX that he would receive timely updates and potential temporary credit while the investigation progressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Mohela began reporting a student loan on my credit report in XX/XX/XXXX for about {$3500.00}. It says the loan was originated in XXXX. This is not my loan. It is inconvenient to call this services given they are on only XXXX XXXXXXXX hours and I can not find a way to submit a disputes only. This is an FCRA issue that needs to be fixed immediately and is impacting my credit and can adversely impact my ability to secure credit.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I received an email about Leap credit drafting my account for a payday loan. I contacted my credit union, and they informed me that be on the lookout, basically probably a company trying to get information out of me. A few days later, they drafted my account, once I was finally able to get a hold of them, I informed them that I didn't apply for a loan, the lady on the other end told me I did, so I asked her to email me the application with my signature on it, she emailed it to me, and it was a typed signature in the box, They had deposited XXXX in my account, long story short the issue was resolved. She told me that they were not a fraudulent company and apologized. I had to do a police report and put freezes on my credit report. Almost 2 years later, in XX/XX/XXXX, they drafted my account again. I contacted them again ; this time, they told me it was a computer glitch and again apologized. We had a nasty verbal exchange over the phone, and they asked me not to contact the XXXX or anyone else because the issue was resolved and they wouldn't use my information again. On XX/XX/XXXX, they drafted my account again. I called again and once again apologized and said they don't know how it happened and they would resolve the issue on their end and no need to contact anyone. I'm frustrated because I don't know how they have my banking information. I honestly never applied for the loan. When I contacted them, they also told me that they called me and left a voicemail asking me if I still need the money, and they assumed I did, which is why they deposited the money in my account back here in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year>, I attempted to log in to the Wells Fargo website from my laptop and was unable to do so. I received a message for a security code to be entered with code from my mobile device. I entered the code and was still unable to get access to my online banking. I then attempted to login on my phone and was able to access my accounts and noticed a large amount of money was missing from my business account. I then called the fraud department for Wells Fargo to report that I did not authorize the " pending '' wire transfer of {$18000.00} from my account ( call occurred 5 minutes after the incident ). The representative proceeded to work on my claim request and start a recall. I told him I did not know the intended receiver of the wire transfer and was unaware that the wire was being sent to XXXX XXXX XXXXXXXX. I received a call on Tuesday, XX/XX/year>, at XXXX PM, stating that my claim was being processed and if I had any questions or concerns or would like to add any additional information to the claim, to call. I returned this call Tuesday, XX/XX/year>, at XXXX PM, and was told my claim had been denied without opportunity to provide any additional documentation. During the follow up call at XXXX PM, the Wells Fargo representative did say the claim was denied due to the wire transfer being initiated from a known mobile device, but none of that information is mentioned in the denial letter that I received or documentation to show how this determination was made. I have not been able to speak with or have received a return call from anyone that was involved with the investigation of my fraud claim. There is only the one missed follow up call from Wells Fargo on Tuesday, XX/XX/year>, at XXXX PM. I have only spoken with representatives that have answered my calls and made notes to send over for review. There also has been on documentation or information provided to show investigation of the inconsistency in the transaction based on the other activities of my account. This fraudulent wire transfer has been reported to the police for further investigation. On Tuesday, XX/XX/year>, I visited my neighborhood Wells Fargo branch with supporting documentation including the case number for my police report and submitted a appeal to my initial claim. On XX/XX/year>, I received an email that my appeal was also denied with no further information to support this decision. I am now awaiting findings from the police investigation to see if I can get my funds returned.
Product: Debt collection

Fair collections and accounts removed XXXX it has already been removed from my credit and back XXXX XXXX XXXX has already been removed and came back XXXX XXXX XXXX XXXXXXXX has already been removed and came back XXXX XXXX  XXXX has already been removed and came back XXXX XXXX I am not even on this card for the last 6 months
Product: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Ad Astra Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Product: Mortgage

Dear CFPB, My mortgage is with wellsfargo, I applied Covid 19 forbearance between XXXX, XXXX - XXXX, XXXX for XXXX month. 
The balance was {$XXXX} as of end of XXXX, XXXX I started making payment XXXX, XXXX after XXXX month I made XXXX payments {$XXXX} XX/XX/XXXX for XXXX payment {$XXXX} XX/XX/XXXX for XXXX payment The balance is {$XXXX} as of XX/XX/XXXX No statement to explain the increase of the principal balance I asked bank to explain the increase of the principal balance, I haven't gotten the answer from the bank. 
Please help me. 
Sincerely, XXXX XXXX
Product: Debt collection

I had taken out a loan in 2005 with XXXX XXXX XXXX. I paid off the debt and never heard from them again. They started calling my family members ( they must have looked up similar last names in my town ) and have repeatedly called my father, grandparents, XXXX, and XXXX trying to obtain information. I received the message from my father and contacted the company. The representative stated I owed money to them, and that I would face arrest or lawsuit, wage garnishment if I did not pay a few hundred dollars at that time. I advised the representative that I did not owe the company money, and to stop calling my house and family or else I would contact an attorney. I did not hear anything from them again for 6 months. I assumed that I had made myself completely clear. My father contacted me this evening and advised me that he and my family all received calls again in the past week. This time, they say they are from optimum outcomes inc. The representative that I spoke with asked for the last XXXX of my social security number so she could connect me to the collector. I refused, but said that she could forward me to the collector at which time she said no. Not until I gave her my info. I told her at that time, I would have my attorney contact them, as I did not have to supply my personal information without her identifying who they were and where they were from. She had been able to access my information originally simply from my phone number, she knew who I was, she did not require my information, but I wanted to know who I was speaking with. She then began to talk over me with a raised voice, would not let me finish my statement, and then she hung up on me. Within 5 minutes, I received a phone call from a different number, and an automated voice mail stated it was a debt collector and advised that their name was optimum outcomes inc. 
I am unsure if these are XXXX separate scams that are being run, however I find it interesting that they both contacted the same relatives. 
I want these people to stop calling me. If they feel that they have a legitimate issue, I would like the information mailed to me in writing so that I may verify its validity. I do not want them calling my phone, my work phone ( have n't called but I want to specify, and of my family members. No one. They harass us, they call over and over and do not leave messages. They call at 8XXXX and on Sunday 's. No more. Please tell them to cease contact and mail me the specifics. 
I am more than willing to review information, if any, but I will not release monies to them on demand or tolerate threats of any type. I want physical documentation. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and TransUnion several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS  OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XXXX was the ONLY Agency to Remove all Negative Items I requested. TransUnion and XXXX both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX hereby attach documentation showing proof of a XXXX  XXXX Bankruptcy petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX bankruptcy and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while bankruptcy was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 
XXXX XXXX
Product: Checking or savings account

I tried to open accounts at the following banks, Citibank 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 but was refused by all. I was a victim of fraud myself because of a bad business partner I had who lived in XXXX. He sent me several thousands of dollars worth of checks and asked me to deposit them indifferent US banks. I obliged his request not knowing that they would all turn out to be bogus. He kept sending them and I kept trying to open bank accounts with them. I was in need of money and kept hoping one of them would turn out to be good. When I found out they were all bad I broke off my relationship with him. But the damage was done and I was classified as a fraud risk. I was actually a victim of his fraud.
Product: Debt collection

In XX/XX/XXXX, I had a membership with XXXX XXXX, about that time I was going through a divorce separation custody battle financial abuse from my ex-husband, and I was having to relocate out of my XXXX XXXX due to emotional and physical abuse. At that time I contacted XXXX XXXX  and requested to put my account on hold. Explain the situation why and they said that would be no problem. They said I could do it up to a year. I told them that I foresee my circumstances being far better within six months, and I will start the membership back up again. They said no problem. 

Upon XX/XX/XXXX, I went into branch and explained I am ready to start that membership back up again. 
They said because I would have to re-enroll and set up another account which I thought they knew what they were doing so I agreed. 
Most recently that I had previously put on hold has shown up in my credit report upon contacting XXXX XXXX. They explained that when I signed up for a second account that took the account off and sent it to collections. 
The account at XXXX XXXX  agreement number is XXXX And it is currently being held by first credit Debt collector. 
Their phone number is XXXX I reached out to them and explained this. 
And I also reached out to XXXX XXXX  and they said since the debt has already been sold, I will have to handle it with a debt collection agency but I want further help on this because im a XXXX  XXXX  still going through a divorce, minimal income and amount of debt and I have struggled to keep my credit up and I am not liable for the step because I did the right thing and I contacted XXXX XXXX  as soon as I knew that it would be a struggle and they agreed to put it on hold
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled 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 four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX  XXXX  opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.
Product: Bank account or service

I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.
Product: Mortgage

I had a HELOC with Bank of the West on my primary residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This house was sold in XX/XX/XXXX and the HELOC was closed around the same time. BMO took over Bank of the West. I called BMO several times to request for the total mortgage interest paid on this HELOC for the year XXXX so that I can file my taxes early. BMO can not find information on this HELOC. I believe BMO erased all data on all closed accounts without consideration for documents and information needed for tax purposes. 

I went to the BMO branch in XXXX on or about XX/XX/XXXXXXXX Staff at the bank called the mortgage office. It appears nobody can find the HELOC data/information. A supervisor promised to work on the problem, get a copy of my 1098 and call or email within 2 days. I did not receive a call or email. 

I, again, went to the BMO bank in XXXX today ( XX/XX/XXXX ) to follow up on my request and spoke to the manager ( XXXX XXXX ). I, again received another promise that I will be furnished a 1098. 

To my knowledge, BMO is a XXXX company that took over Bank of the West. It appears, BMO is not cognizant of US tax practices and negligently deleted vital information needed for tax purposes.