23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have started a dispute with Bank of America for an XXXX flight to XXXX on XX/XX/2020. XXXX   canceled my flight forcibly on XX/XX/2020, without offering a refund. I wanted a full refund of {$840.00}. Bank of America closed my complaint without informing me. I have to give them a call back just to find out that they reverse the credit they issued to me earlier, but this time I am no longer able to dispute because 2 months have passed. I have called them multiple times, they even gave me a wrong fax number at one time so I fax the XXXX email to a wrong number and then have to fax them again one more time to a different number. On XX/XX/2020, I called them to follow up on the fax, Bank of America said they only follow XXXX user agreement and according to XXXX, my flight is still available. I told them it is not available as I received an email for Flight cancellation. They told me they will review it again but I am pessimistic that they will side with XXXX and will not give me my money back.
Product: Money transfer, virtual currency, or money service

XXXX We received email from PayPal that our account is closed for no reason, Currently on the account is XXXX EUR amount ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EUR. The costumer support is not responding to my emails, we've been writing messages in PayPal message center and they not help us, we've been trying to call support center after they check account status they just hang up the phone and automated message tells that they can't help us throw the phone with our problem and that we need to send message throw resolution center. 
Our PayPal account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX transunion - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes. In light of particularly CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me of recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit card report shows me having late payments since 2014 which were not my fault. 

Many times I ould go into a Wells fargo branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from Wells Fargo telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with Wells fargo. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to priva

cy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX insurance ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX ; I live at XXXX XXXX XXXX, XXXX ca XXXX I currently have a mortgage loan with Mr Cooper DBA Nation star. The purpose of my complaint today is to ask for your  help, I have been making payments on my mortgage, I fell behind one month only in XXXX, I called and advised the agent that I had payments scheduled, for that Friday, I dont recall the date, the agent advised me that yes he saw the payment, he then asked me if I wanted a payment plan, I asked what it was he explained it, he placed me on hold and I hung the phone up. The following day, there was a 4 month payment plan on my account mind you I was only 1 month behind. The plan didnt allow me to edit change it, it basically set in stone and I didnt sign anything or agree to increase my payment by XXXX for a 4 month payment plan. I was forced to pay 1st payment although I couldnt afford it, I called back and told them I cant do this pay plan they them blocked my account to a read only status. I started paying my regular payment which is XXXX ; this company placed them in an unapplied status meaning now they wont apply it to my account. I asked why they were doing this I was told I asked for a forbearance I advised them I didnt ask for a forebearance and I do not know what this was, they explained its when you cant pay the account and they suspend payments. I advised them I didnt ask for this. They refused to take me off this and refused to apply my payments, I then XXXX XXXX the payment so they would hit my account, those payments were applied, and I was then told the following : On XX/XX/19 I was told I owed XXXX On XX/XX/19- I was told I owed XXXX On XX/XX/19- I was told I owed XXXX When I called no one could explain why I owed this money this was on XX/XX/XXXX, on XX/XX/XXXX, I was told my payments were reversed I asked why when they were XXXX XXXX I was told the following from multiple people : 1. You didnt pay it 2. The XXXX XXXX  was reversed back to XXXX XXXX, I asked when they said they didnt know 3. I was told I didnt pay XXXX although they it says XXXX was paid 4. I was told this billing is confusing I cant explain why it says this 5. I was told I need to talk to someone else 6. I was told that my payments were returned 7. I was told the money is sitting in unapplied At the end of the day I paid this account, I wasnt behind this far until the agent deleted my scheduled payment blocked me out of my account and now are not applying my money to make me fall behind. I do not know what else to do seeing their agents dont know what to do or say. I really need help this has to be illegal. 

They are also double billing me for inspection fees, they never advised me of this they are also billing for XXXX saying its inspecting fees, calls paper work and atty, again never advised me
Product: Student loan

My student loan provider, Fedloan Servicing, notified me via email on XX/XX/XXXX2017 that I had a message waiting for me in my inbox. I logged on to see a message regarding my student loan plan ( REPAYE ) had changed effective immediately. My new rate of {$1800.00} a month, from a previous monthly rate of {$280.00} would be directly deposited from account the following month. 

There was never any correspondence or notification from the provider that I would need to re-submit required materials to remain on the REPAYE plan. I am now at a loss as I do not know how I will ever be able to afford such a steep increase in a monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with Comenity Bank and an account has gone on my credit report from Comenity Bank in collections.
Product: Credit card

I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.
Product: Credit reporting or other personal consumer reports

Hello, I Disputed XXXX inquiries on XX/XX/2023. Due to a failure to respond within a XXXX  day period as the FCRA states. I would like for the inquiries to be deleted from my consumer report. 

Below are the accounts that were disputed : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Inaccurate Information on Credit Report Re : XXXX ( XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information on my Equifax credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX ( XXXX ) that does not belong to me listed by XXXX. 

This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. 

I Please investigate this matter and make the necessary corrections as soon as possible. 

Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint : XXXX Experian XXXX XXXX : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. 
Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. 
IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. 
XXXX XXXX XXXX XXXXXXXX 15 USC 1681e- election of consumer to be excluded from list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!
Product: Credit reporting, credit repair services, or other personal consumer reports

one unfortunate XXXX XXXX XXXX account has been reporting under my credit file for the last two years, i keep telling them this is not mine, i have never had a XXXX XXXX XXXX card, i even received a police report since i had been a victim of ID theft. this is not mine, i need t have equifax which is the only reporting agency reporting, have this removed from my credit file. 
thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i spoke with XXXX who is my account manager, who also stated that my account shouldnt be a charge off and i made a payment on XX/XX/XXXX so where did my money go? I will keep reaching until i get to highest authority because this is not right for this company to be putting inaccurate information on peoples credit reports, look in yall record i made a payment in XXXX of XXXX so why is my account charged off but yet yall still collecting money from me? I need this to go to the highest authority. I advise nobody to do business with them, so where is this payment for XXXX? then you guys update my payment history back in XXXX as late for 150 days. This is definitely retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX  and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I  contacted they TOO stated in writing that they did NOT communicate with XXXX  or Equifax about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''
Product: Credit card

On XX/XX/XXXX at XXXX XXXX  I receive a text stating, " Discover, did you attempt to spend {$950.00} at XXXX, XXXX TX? Reply YES or NO.or 1 to decline text messages '' I replied no. The response was " Thanks An agent will be Contacting you shortly. 

Shortly later, I receive a call from a male who stated he was a Discover agent. He asked about the above purchase, and I said that I did not make any purchases at XXXX. He replied that he will send me a code to " void the purchase. '' At XXXX PM, I receive a text stating " Please enter code XXXX to use your Discover card in XXXX XXXX. '' I clearly did not read the text message well at all as I thought I was entering in a code to void the purchase. 

At XXXX PM, I get another text message : " Discover : We just declined {$200.00} at XXXX XXXX. Do you recognize this transaction? '' I replied, " yes '' that I recognized it as I was still on the phone with the discover impersonator, whom I thought was Discover. By saying yes, I was saying " yes I recognize this as the fraudulent charge. '' I was NOT saying that I made the purchase. 

At XXXX PM, I receive another text message " DISCOVER B/K : Did you attempt a {$200.00} at OFFICE-MAX on XX/XX/XXXX? '' I replied " N '' and the response was " Thanks for confirming activity your account has been placed on restriction an agent will contact you shortly. '' I feel incredibly stupid but I fell for a scam. I was at work and was busy and I let my guard down. I thought I was on the phone with a Discover agent who asked me to enter a code to void the purchase ; instead, I gave permission for my card to be used in XXXX XXXX. I then told Discover that I recognized the purchase, though I was saying " yes I recognize it, this is the fraudulent charge! '' In response to the XXXX text, I realize that that was part of the scam. It did not matter that I replied " N '' to them, they already had used my card for XXXX pay. 

I have tried to dispute this with Discover throughout XXXX and XXXX. I have talked with multiple Discover agents to no avail. It went under review and was denied. I then requested a secondary review, which was denied. They are still holding me responsible. I provided screenshots of my text conversations with the impersonator. 

Additionally, not only are they charging me one ( 1 ) {$200.00} XXXX XXXX XXXX purchase, they are charging me XXXX ( 4 ). I would not like it, but I would actually understand if they charged me {$200.00} for XXXX purchase as ultimately I did end up acknowledging that I recognized the purchase. But to pay XXXX {$200.00} purchases is absurd. I did not make XXXX, let alone XXXX, XXXX XXXX XXXX purchases of {$200.00}.
Product: Debt collection

Robo-calling relentlessly, I am not the person they are calling for an owe no unpaid debts to anyone. 

They have identified themselves as Synergetic Communication, INC or other companies in the past.
Product: Debt collection

I don't recall having a contractual relationship with MRS BPO , LLC. Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I have called the bureau to complain about an inquiry that is on my report as well as a collection account that I have no knowledge of. I have never opened an account with them nor tried to make transactions with them. I have file FTC with report number XXXX. 

XXXXXXXX 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

Transunion recently removed a bankrupty dismissed remark from my account associated with XXXX XXXX. Transunion and XXXX XXXX blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of XXXX my credit score dropped XXXX points. I additionally lost 4 points each month each time I made a payment to the XXXX XXXX account. My score still remains the same as if I had the bankruptcy remark still on my account. Transunion only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to transunion showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence transunion did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today ( X/XX/17 ) to dispute multiple inquiries on my report. I am a victim of fraud with an active fraud alert. I do not recognize some of the inquiries and there are multiple ( duplicates ) for ones I do recognize. I was not contacted by any of these companies as required. I was told I needed to reach out to the creditor. I am taken aback that I should call someone who I never did business with in the first place. Transunion is constantly experiencing technical difficulties and " glitches '' through out their systems. It is hard to believe they are at all capable of protecting or providing correct information.