23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I attempted to make a purchase online. The site had been compromised and when I went to checkout, I was redirected to a different site to make payment. I made payment via PayPal. Once I noticed the transaction detail did not match the vendor and I was unable to verify the purchase, I reported the issue within 24 hours to PayPal. My claimed was denied because I authorized the transaction. I explained the issue to PayPal and they said I needed to file a different type of claim related to product never being received. The challenge with that is PayPal is I have been unable to file a second claim on a transaction with the instructions PayPal provided. The customer service offered zero help in escalating or resolving the issue. I got the impression they were concerned with protecting the fraudulent party in this transaction. Claim number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX 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. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
19. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Was offered a {$300.00} checking offer by Bank Of America. 
Fulfilled all the requirements. 
Have not received the bonus as advertised by Bank Of America. 
Received confirmation of Direct Deposits Received by email each time. 

Attaching Email with Offer from Bofa. 
Attaching Email with Account Opening proof and date. 
Attaching Emails with Direct Deposit Received from Bofa proof. 
Attaching Direct Deposit Form Submitted to Employer.

Attaching Direct Deposit Instructions through Employer which state XXXX is used. 


" Heres how to qualify for your {$300.00} bonus : 1 Click to enroll now or request enrollment with a Bank of America associate. 
2 Open a new personal checking account by XX/XX/XXXX. 
3 Make Qualifying Direct Deposits* totaling {$4000.00} or more within 90 days of account opening. 

" A Qualifying Direct Deposit is a direct deposit of regular monthly income '' " After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America XXXX XXXX  account within sixty ( 60 ) days. The Bank of America XXXX XXXX account must be open and in good standing up to and including the date any earned bonus is paid. '' Account opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX {$850.00}
Product: Mortgage

My property was sold in XX/XX/2019. The title company failed to issue a payoff to the mortgage holder Rushmore loan management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Not my fault. I have tried reaching out on many occasions during this time and keep getting the run around being sent to different departments such as escrow, insurance, general correspondence, etc. Each time I get told that department can not help me and get transferred back. I have contacted the local tax accessor to get a refund, they have verified that they are receiving duplicate payments from both my loan company and the new home owner. However, they will continue to process any payment that is sent to them even in error. I have talked to the insurance agent that I had insurance with and he has denied their request for extension. Yet, they still continue to take out money for insurance and can't provide a name or company to whom I am provided insurance with. How can you pay taxes or insurance on a home that you do not own and someone else has a mortgage and escrow on that property? Rushmore consumer affairs department looked into the account and refused to help me even after the payoff was provided. I hesitated to payoff the loan because I knew that if I had trouble getting an answer or help when I owed them money, then I knew I would be out of luck once I paid them off. My intuition was correct no help after payoff, even denied help from a submit complaint to their XXXX XXXX department.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, and I believe an account was fraudulently opened in my name with XXXX XXXX XXXX, a XXXX  cardwithout my knowledge or consent. Unfortunately, I do not have access to the account number as this account was opened fraudulently. I am requesting your immediate assistance in resolving this matter. 

Here are the key details related to this issue : Actions Taken So Far : I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and filed a police report with my local law enforcement. Copies of these documents are attached for your reference. 

I have contacted the credit bureaus and placed a fraud alert on my credit report to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  v XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me 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 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  I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.
Product: Mortgage

Received notice from Huntington Bank regarding lack of proof of insurance for my condo. I provided them the proof in XX/XX/year>, and again in XX/XX/year>, via their provided instructions on their website, as well as to XXXX as I have always had insurance. I've also spoken to them live 3x in the past 3 months to try and confirm this is resolved Then I receive a notice at the end of XXXX that they've purchased additional insurance on my behalf as they dont have proof of my insurance. 

The level of incompetence and lack of followthru at Huntington is remarkable. Now I have to spend more hours of my life to get them to undue this.
Product: Vehicle loan or lease

Credit Concepts provided financing for XXXX vehicles, the first being a XXXX XXXX valued at {$14000.00} in XX/XX/XXXX, which unfortunately was stolen, recovered, and declared a total loss. Despite having full coverage and XXXX insurance, XXXX and my XXXX covered the cost of the vehicle. However, I discovered an unfamiliar account and date on my XXXX report shortly after the payment. Upon contacting them, I expressed my concern about the impact on my XXXX XXXX and the apparent duplication of payments. Their response was simply, " your account has been zeroed out now apologies, '' without further explanation. In XX/XX/XXXX, I acquired a XXXX XXXX for {$7600.00}, only to find out that Credit Concepts was once again the lender. Unfortunately, the same situation occurred XXXX months later, and my full coverage and XXXX insurance covered the cost. Subsequently, I received multiple emails from the company regarding additional fees and late payments. Then, a lady arrived at XXXX PM and served unsigned papers to my XXXX son, mistaking her for his friend 's mother, which led him to open the door. Now, the company is seeking to garnish my paychecks for {$1300.00}, as communicated by my supervisor. This has left my children and me without a vehicle and in an ongoing struggle. I am left wondering about the legality of these actions and the impact it has had on our lives.
Product: Credit reporting or other personal consumer reports

Manual verification is required for all listed items below. Under XXXX XXXX, XXXX XXXX, XXXX. XXXX is needed for times and dates talked with these creditors. 

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for XXXX to continue reporting this when Equifax nor XXXX has it listed. Please remove this off my report ASAP! 


XXXX XXXX Bank {$420.00} Date Opened XX/XX/XXXX Under Rule XXXX my privacy and information needs to be protected. We are requesting XXXX XXXX. Not any automated system manual verification. We need full social security number provided, name of person spoken with, the dates and times. If not this removed off my credit profile Under Rule XXXX Chapter & Bankruptcy : Bankruptcy Reported on XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX OF XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX 2023
Product: Debt collection

My husband received crepeated calls today   X/X/17  from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.
Product: Credit reporting or other personal consumer reports

I've been making regular payments to my carecredit credit card and they have been reporting me deliquent and affecting my credit negativity. I've been contacting the card company and they refuse t help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my bank account of the payments that have been made.
Product: Credit reporting or other personal consumer reports

I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX XXXX account that was just added to my report.
Product: Credit reporting or other personal consumer reports

I am not an attonery or a third party rep I have accounts on my credit report that does not belong tome i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX # XXXX {$0.00} -XXXX XXXX  # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$570.00} XXXX XXXXXXXX XXXX  # XXXX {$430.00} -XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I began noticing tech schemes with internet access which carried over to the banking account by transfer managers of micro-management February 4th-5th, 2019 concerning e-billing. It's happen before in 2018, so I got very suspicious of the act because it involved a banker releasing private information. I was notified that I was possibly affected once before by the Suntrust Bank Team, but  never compensated for it and they just covered it up. This time they authorized a payment I didn't authorize and it was in dispute with a the corporation. Provided that terrorism, corruption cases, money making schemes, environmental health & safety could be at risk I asked Suntrust not to get involved with the payment process. Suntrust fraud team member XXXX agreed it was not to processed, I should not concern myself about it as long as I didn't authorize the transaction. They paid the over charges from the account causing the account to overdraft and now they expect me to cover the cost of something they did without my permission before inquiring of the bill. That's not how e-bill suppose to operate. I'm currently in the process of stopping the payment they caused, and it's in XXXX going on XXXX. Which will cause over drafting for the following month.
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

Purchased an item from Amazon last fall. Filled out all the necessary information required. It included signing up for a credit card. Dont recall it including joining up for a monthly fee. Paid the charge when due and never used the card again. Several months later I started receiving bills from Synchrony Bank. Called them and told them I didnt want the account and didnt use it. Two months or so later I received another online bill that included 2 months additional fees. Called them and verbally pled my case and was told it would be taken care of. Last month I received another bill with additional membership fees. Called them again and was told l owed them and would have to pay up. I have no intention of paying for something I didnt need or want. Can you help resolve this for me?
Product: Credit reporting

I have XXXX accounts with XXXX that are over seven years old are are still being reported by the credit bureaus despite many protests.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a credit score of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.
Product: Credit card

I have a Macy 's Credit card. I purchased an item in late XX/XX/XXXX. My bill with tax was {$97.00} and change. I went online to make a payment and decided I want to pay the full amount. I called credit customer service so I could get an exact amount so I do n't get billed the following month for change. Girl in credit gives me amount I pay it immediately. XX/XX/XXXX I decided to go online to see if they added interest and they did and even {$2.00} I did not feel like making another call and wait so I opted to just pay it and be done with it. XX/XX/XXXX I check my and I am hit with ANOTHER even {$2.00} This time I decided I need to call. The credit customer service rep first tells me it is interest I explain what I have said above. The final {$2.00} ca n't be interest on {$2.00} unless your interest rate is 100 % He told me it was an error. I had the charge removed and had the account closed. I did some googling and found this is something new that Citibank is doing to account holders. It is WRONG many people have opted for paperless statements and they think they are paid and get late fees charged. Very Very unethical business practice this must be stopped.