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

Dear Sir, The Loan ( Home Improvement ) Monthly Payment to XXXX was missed for the month of XXXX due to XXXX  Internet Outage in my area. I have made the payment and due to internet failure, i was disillusioned that the payment was successful. I share the XXXX Outage report but didn't hear any positive result from XXXX and they still maintain the negative reporting to Credit Bureau. 

I have spend several hours and talked to many agents and the people up to XXXX XXXX but it turned out to be a fully unsuccessful attempt and rather felt tortured and disrespectful. Unfortunate that in this whole organization there is not even single folks up to the vice president who can understand my situation where i wasn't completely at fault. This accidental internet outage which wasn't under my control. 

Due to heavy impact on my score, it keep me unable to approve the education loan for my son. 

Please help and have XXXX understand my situation and have remove the negative reporting. XXXX I have been a Loyal customer of XXXX XXXX  for about 48 months and hav n't missed any payment so far except this accidental One. 

Thank you so much, Please Help! 

Best Regards, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I received a text message from PayPal saying that my account was being charged {$58.00}. I immediately felt suspicious and logged onto my paypal account. I saw the {$58.00} transfer plus {$1.00} fee charged on my XXXX XXXX XXXX debit card ending in XXXX to a person named XXXX XXXX with an email address of XXXX. I do not know this person and I did not authorize this transaction. 

The PalPal transaction ID is XXXX Please help with this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is currently serviced by Select Portfolio Servicing. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to SPS, they have refused to report the debt to the three credit bureaus ( XXXX, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Product: Money transfer, virtual currency, or money service

The name of the company is Cashapp. I told the rep that I was scammed and I have all the evidence to show them and wouldn't take my word.
Product: Credit card or prepaid card

On XX/XX/XXXX Comenity Capital Bank sent a physical letter with bias and contradictionary answers to why they would not increase low balance credit limit. Included by not limited to they only deal with land owners ( which they gave the card to people who were not land owners ), and they don't consider themselves a bank " No open bankcards in your credit file '' I sent a leter but have not heard anything back yet. 
In regard to a credit limit increase i requested XX/XX/XXXX. for an account i have had open and had in good standing since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my experion credit report for several years now. XXXX for the amount of XXXX. XXXX   XXXX in the amount of XXXX. And XXXX  in the amount of XXXX. I noticed that these accounts were opened and delinquent in XXXX when i started getting calls from creditors. I made a federal trade Commission complaint in XXXX and took it to my local XXXX police dept and had the report notarized by them and sent it to all three credit places. I had no issues with XXXX   or XXXX  I had to hire a credit repair to help me with experion because they refused to help me saying my documents are not good enough. I have been waiting for seven years to pass because i just couldn't do nothing about it no matter how hard i tried. I called again to day and said its been over seven years since the fraud cards were opened and i want them removed. He said its from the first time the cards we're reported late and i have to wait until XX/XX/XXXX. I have been though XXXX with them i even did another FTC complaint on the fraud today thst they say is unacceptable. I dont know what else to do.
Product: Mortgage

Mortgage Company Mr. Cooper is making it difficult to extend the required COVID Mortgage Forbearance. When you call it steers you to the website to login. When I logged in it only gave me options such as Deed-in-Leu, Modification and full payment. When I attempted to find or select " extend forbearance '' it said I was not eligible. I have used 9 months of forbearance and since this is a quasi-government backed loan it should be eligible for 90 more days. When I was navigating the system to find the forbearance option it navigated me to a modification. I later received notice that I needed to make trial payments. All I wanted was the forbearance extension. I made several attempts to call and they were busy and I was again directed to the website. I was able to reach them on XX/XX/XXXX and they agreed to cancel the unwanted modification and told me the forbearance would extend to XX/XX/XXXX. 

I am concerned that Mr. Cooper is not following the intent of the relief package, and making it unreasonably difficult to get the extension. I am very concerned that they appear to be cramming customers into unwanted modifications, demanding full payment and taking property with deeds-in-leu buy directing them in the website without showing the forbearance option. I have very little trust in these mortgage servicers especially with the issues around the XXXX financial crisis. Please remind them to follow the intent of the relief and ensure there website is accurate and not misleading customers into unwanted programs. Please ensure I was granted the requested 90 day forbearance extension by Mr. Cooper. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting ACT XXXX Account XXXX XXXX XXXX XXXX  has ben 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 WRIITEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info
Product: Credit card or prepaid card

I had a XXXX XXXX Credit Card with Wells Fargo Bank that was closed by Wells Fargo without notice. The account was opened in XX/XX/2016  and never had a balance because it is a credit card that is used for medical expenses. Fortunately, I did not need to use it. When I went on the Wells Fargo website to pay my mortgage and other Wells Fargo Credit cards I noticed that the XXXX XXXX was closed. I never received any e-mail, letter or alerts that the account was pending closure. I called up and asked why the account was closed and WF informed me it was closed due to inactivity. I asked why I was not notified and was told someone would contact me in a few days. About a week later I received a letter stating that they do not notify the customer if the account is closed and I would need to go to XXXX XXXX if I wanted to reopen the account. I do not want a new inquiry on my credit report and do not want to have an account showing as closed by the creditor. If I had known the bank was planning on closing the account I would have paid a doctor bill with it to keep it open. I would like this account reopened and I will make a payment to my doctor when I get my annual physical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.
Product: Debt collection

I had something showing up on my credit report from Central Financial Control but never received any notice from them. I sent a dispute through the credit report and it said to contact them, they wanted my Social Security Information, my address, etc. I asked them who the debt was with and they said XXXX Hospital. I told them that I was only seen there once in XX/XX/2014 and gave my HSA card. The girl said the debt is from XX/XX/2014. I asked them to send me verification/validation of the debt and she said no to fax a request in. I explained I never received any debt validation notification, I then said I disputed the validity of the debt. I have written them with no response. I asked when they originally sent me the notice of right to dispute this debt, she said she could not tell me that. yet this is on my credit report and I feel they are affecting me and causing me harm. This is an old debt. When I call XXXX they referred me to syndicated office systems, who referred me to Consumer financial. I have had the same address and phone number for 13 yrs. I asked them to mark my account as disputed and will be faxing a demand to remove from my credit report.
Product: Credit card or prepaid card

Commenity bank has been continuing to harrass me even after making payments. If I miss one day I begin to obtain 10 calls in one day consistantl harassing me with legal. From there after I pay off the minimum they continue to contact me with harrasing statements. Same situation occurs when I make the payments as stated and they contact me to only harrass me attempting to scare me into paying it off. I have begun to ignore there phone calls and I may change my phone number soon due to it.
Product: Checking or savings account

I was approved for a SBA EIDL GRANT on XXXX XXXX for my business which was deposited into my account and cleared. Citibank then asked for documentation of my approved application then refused to accept the documents and froze my account and closed my account starting XX/XX/2020 which they informed me that the entire process would take 30-60 days to complete the investigation and account closure. It has been nearly five months and I have yet to receive my closure letter or my funds in the amount of $ XXXXxx from my account being closed. I have visited different Citibank branches and contacted the Citibank customer service and fraud department more than 20 times since the process has started. I have been met with unanswered questions and disconnected calls more than 75 % of the time. Every time I call the fraud department, the associates tell me that the process will take 30-60 days and that they can no longer provide any information and then proceed to disconnect the call, leaving me in a state of confusion. As I stated, Citibank has not sent me my closure letter and check for my funds as of today XXXX XXXX, 2020.
Product: Credit card

Was mugged on street in XXXX and forced to give my credit card under threat as thugs were getting frustrated with my refusal to cooperate. Provided card in which they stole everyone on card, about {$220.00} and ran off. They attempted to pull out over {$850.00}, which was declined. I called credit card company when I was able to charge my phone at car, had to ride light rail back to station. They put in as unauthorized transaction. I called Police to make report and spoke with officer several hours later when they called back. My credit card company dispute was denied, I called back and they relabeled despite as Goods/Services not as described and I gave police report number. Again it was denied. I called back 3rd time for despite to understand why they are not returning funds after I clearly mentioned multiple times that this was stolen from me, without my consent and against my will. After threatening to cancel my account and report to XXXX  they offered to reopen again and needed police report, which again will cost me money to get as a Fee as well as time for them to complete. I don't understand why they work so hard to allow criminals to keep funds instead of reversing them and allow the merchant to come for the funds if they feel its legit.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I established an American Express Business Checking account using the following promotion ; American Express is offering a bonus of XXXX Membership Rewards points when you open a new business checking account and complete the following requirements : Deposit {$5000.00} within 30 days of account opening Maintain an average balance of {$5000.00} for 60 days after account opening Make XXXX or more qualifying transactions within 60 days of account opening ( qualifying transactions are mobile deposits, and electronic/online transactions including XXXX, Wire, and Bill Payments ) I deposited $ XXXX in my account within 20 days, maintained the $ XXXX for XXXX days and made XXXX or more transactions within 60 days. I noted the qualifying transactions and the eventual withdrawal. However, AMEX never deposited XXXX Membership Rewards points to my account. 
XX/XX/XXXX - Withdrawal of - {$5000.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - Deposited {$5000.00} XX/XX/XXXX - Opened Account
Product: Checking or savings account

Bank of America drafted {$370.00} from my checking account and placed it in a negative status. I had {$610.00} in my account to cover my insurance, credit card payment, and XXXX XXXX payments. I woke up to - {$310.00} ( negative ) in my account. So my 3 transactions came out of my account PLUS an additional {$370.00} DEBIT that no one at Bank Of America could answer.

They kept stating I filed a claim, I called today reporting is as fraud but no one would assist. After 2 HOURS, they advised me since my husband is on my account, he has his own INDIVIDUAL PERSONAL account and was negative for almost 3 months. So they took it upon themselves to draft funds from my checking account, and NOW PLACE MY ACCOUNT IN A NEGATIVE STATUS. First his account was negative, and pulled funds from my account as these payments were drafting, and placed my account in a negative status to make his account " current. '' How does this work? How do they shift the negative status from one account to another? 

They have financially impacted me, stated I have to " take responsibility '' for my husband 's personal account status, and did not care that my account is negative {$310.00} and now can not pay my bills. I am now facing 4 {$35.00} overdraft fees they can not assist with. 

someone from corporate called me to " apologize '' for the situation I am going through, but only called to apologize and not take action. I need to pay bills, and medicine that they don't care about. I am now negative - {$450.00} after fees should they go through ( wont know until 1-2 days ). 

How do I pay for my XXXX medicine? How do I pay for a follow up visit that I need to see my doctor for a previous XXXX I've had? How do I put gas for the next 2 weeks before I get paid again? How do I buy groceries? It was my husband 's debt on his PERSONAL account, and they never notified me these funds were coming out. I CAN NOT believe they just care about the money and could not make payment arrangements with me by phone today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; IXXXX XXXX XXXXXXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAXS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to EQUIFAX. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX is reporting it as US DIST CT, and transunion is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.