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

I canceled with experian.com back in XX/XX/2019, and they continue to run my credit card even afer cancelling, so i had to discontinue my debit card and get a new one, well they called master card and got my new card information which XXXX. With experian you are unable to get a live person on the phone to handle anything and on there website where you are suppose to be able to cancel they take you through the loops you are just unable to cancel anything.They cahrged my debit card in XXXX and XXXX and now thy will charge it in XXXX. i tried calling in several times and unable to get a hold to anybody. The website is a joke please help. 

Thanks
Product: Credit card or prepaid card

A dispute was closed as part of a recent CFPB complaint with monetary relief resulting in a credit balance on the account on XXXX XX/XX/2023. I called to request a credit balance refund on XXXX XX/XX/2023 as I'd paid the disputed amount pending the outcome to protect my credit. Upon requesting a refund, I was told that the case was still pending and I could not be refunded until it was closed. I asked to speak to a supervisor which I did not get. I got another associate who processed the request. I still had not received a credit balance refund, so I contacted credit card department again XXXX XX/XX/2023 and XXXX indicated that it was denied because of open disputes on the account. I asked for the case number and she replied that she could not find one. Associates continue to suggest I swipe the card to use the balance which I don't have to do and there are few purchases I would like to make without consumer protections which Capital One clearly does not provide.
Product: Credit reporting or other personal consumer reports

XXXX equifax is not reporting all of my accounts witch my creditors are reporting to them monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 cushion vs trans union corporation us court of appeals for the third circuit court case 115 f.3d 220 XXXX XXXX XXXX, filed ( D.C. No. 95-cv-01743 ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Product: Consumer Loan

I was sold a XXXX in XX/XX/2016, told the car dealership I did n't want to run my credit a bunch of times, was told that would not happen but it was hit 12 times and lowered my score from XXXX to a XXXX. I then bought the car and had a payment due XX/XX/XXXX, I never got a statement from the finance company until XX/XX/XXXX, with a late payment and with interest adding up, I still had gotten no tags or tittle and my car went without tags until XX/XX/XXXX or so, meanwhile I had a late payment on a car I could not drive, the dealership did nothing, I was 80 miles from them so I was n't able to go and make a scene. I am extremely upset but feel I have no options, so here I am so hopefully no one else does this.
Product: Credit card or prepaid card

PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.
Product: Credit card

I opened this Citi Double Card Mastercard account in order to consolidate my debt into one card. I lost my entire bag which had all of my information including my social security card, in early XXXX. Beginning XX/XX/XXXX, suspicious activity began on this account, which went unnoticed by me because I was not notified until my account was closed due to a deficit caused by whoever did this. These hackers somehow figured out that my passwords were the same for both XXXX and my bank ( they are now changed from my attempt to regain my accounts and privacy ), and did some type of hack that allowed them to remove thousands from my account, although my credit limit was simply {$2500.00} which I was using to consolidate my debt from other cards. They sent a bunch of money to some random person from my XXXX, I have been attempting to resolve this for most of XXXX and now into XXXX. Citi Bank claimed that I somehow benefited from this scam, although I expressed repeatedly that someone else had my identification information. I reported this identity theft to all 3 credit bureaus, who were successfully able to investigate and remove the reports from my credit. I live paycheck to paycheck and do not have the means to obtain money on that level, and I have no idea why the bank would allow such transactions when I was already at my limit from trying to consolidate my debt. My account is now - {$8500.00}, which I will have to pay for years and years because Citi refuses to acknowledge this scam, although even the employees I spoke to mentioned that this is a common scam that happens to people. One employee started a reduced payment plan for me so that I could attempt to fix my credit, which plummeted because of this. The most recent correspondence from Citi claims that they conducted a thorough investigation and answered all of my questions, which is untrue. I also provided additional documentation from my FTC Identity Theft report. They requested that I discontinue any more correspondence regarding the issue, which is why I am escalating to the CFPB. This is an extremely emotionally and financially stressful situation, as I do not have support and was the victim of a scam due to all of my information being obtained by someone else. Super disappointing because I was excited that Citi Bank would be my solution to consolidating my debt, and has ended up being my biggest nightmare of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information.

I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXXXXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Debt collecting on my XXXX report for XXXX $ I was told to be refund fraud alert on XXXX I feel like the accounts are investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping aroung to get a morgage loan and bank ran 2 times a hard inquire on my credit report, the first one on XX/XX/2022 and the second on XXXX XXXX They should not ran it twice without my express consent. I disputed this to the reporting agency ( Dispute confirmation number [ XXXX ] ) and They did not investigate properly, attaching results of their investigation.
Product: Credit card

I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Mortgage

Shell point mortgage is a nightmare to deal with and the worst thing that ever happens to my financial life. I bought this house during XXXX with XXXX XXXX and they sold my debt to shell point. Why?? Worst most shady company ever. They make it difficult to communicate with them, hide behind their phone walls and long waits, weird portal. Their staff drags their feet. XXXX XXXX I remember was the worst one. The loss mitigation team took XXXX  years to figure out my situation... They destroyed my credit for months, I couldn't make any financial moves for myself. They just do not care. Then XXXX day they are demanding paper work. It's crazy. Now, I want to get my funding fee back that they never even told me existed, I had to call the XXXX and find out. XXXX dollars. Wild. You try and call and you're on the phone talking to a robot for forever, then waiting. Then they have no emails listed on their website. I just want to warn anybody and everybody to never do business with these people.
Product: Credit card

Advised by XXXX that my SS # and personal information was breached. Wells Fargo issued me an unauthorized debit card from an unknown applicant. Wells Fargo advised that card would be canceled within 10 days but that any unauthorized purchases by any party or fees would need to be paid before closure could be effected.
Product: Credit reporting or other personal consumer reports

to whom it may concern, I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court.

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

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

The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX
Product: Checking or savings account

I have had a 360 checking account with Capital One now over 2 months! I have now found out that they have been refunding all deposits/transfers going into my account! I have been without SS payments now for 2 months and thought this was SS doing this! Then I find out from my friend who was trying to make a {$400.00} transfer into my account that Capital One has refunded the money back to him 7 times! This has caused me much stress to the point of wanting to XXXX XXXX on Saturday! I am XXXX because of what Capital One has done to me! I want answers from them and now! I am going to all again at XXXX am to find out what they have done to me!
Product: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) finalized a rule on XX/XX/year> that prohibits medical debt from being included on credit reports. Team Recovery turned my medical debt into a collection of {$590.00} after I had been accepted into medicaid because of low income and it is no longer legal to have medical debt on a credit report.
Product: Credit reporting or other personal consumer reports

am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX - XXXX - XX/XX/year> - {$00.00}
Product: Mortgage

On XX/XX/XXXX, I obtained a mortgage from Washington Mutual Bank, FA., which is currently insured by XXXX XXXX XXXX  Title Policy XXXX. On XX/XX/XXXX, JP Morgan Chase Bank, NA, claiming to be the predecessor-in-interest to Washington Mutual Bank, FA, filed a foreclosure action ( index No. XXXX ) against me in XXXX XXXX XXXX Supreme Court. On XX/XX/XXXX, the XXXX XXXX XXXX Supreme Court dismissed JP Morgan Chases foreclosure action ; ruling that JP Morgan Chase Bank, NA did no prove it was the predecessor-in-interest of my Washington Mutual Bank, FA mortgage. 

Instead of adhering to New York Consolidated Laws, Civil Practice Law and Rules - CVP 5513 ( the appeal process ), on XX/XX/XXXX JP Morgan Chase Bank, NA arbitrarily entered into the XXXX XXXX   XXXX Department of Finance/Office of the City Register record a mortgage assignment, whereby assigning my Washington Mutual Bank, FA mortgage to JP Morgan Chase Bank, NA. On the same date of XX/XX/XXXX, JP Morgan Chase Bank, NA then assigned my Washington Mutual Bank, FA mortgage to XXXX XXXX XXXX XXXX as Trustee. Slighting the XXXX XXXX XXXX  Supreme Courts XXXX XXXX, XXXX foreclosure ruling, on XX/XX/XXXX, JP Morgan Chase Bank, NA secured XXXX XXXX Insurance Policy # XXXX on my Washington Mutual Bank, FA mortgage/property. To date, JP Morgan Chase has not recorded its XXXX XXXX  Insurance Policy  into the XXXX XXXX XXXX Department of Finance/Office of the City Register system. On XX/XX/XXXX, approximately seven years four days after JP Morgan Chase Bank, NA had filed its year XXXX foreclosure complaint against me, XXXX XXXX XXXX XXXX as Trustee followed suite and filed a foreclosure ( index no. XXXX ) against me in XXXX XXXX XXXX Supreme Court, which is currently ongoing. To date, JP Morgan Chase Bank, NA has not provided to me, XXXX XXXX XXXX Supreme Court, or the XXXX XXXX  XXXX Department of Finance/Office of the City Register any legal evidence that is in fact the predecessor-in-interest of my Washington Mutual Bank, FA, which I obtained on XX/XX/XXXX.
Product: Credit card

Synchrony Bank will not let me log in to pay money towards my Amazon card balance, because my ( now closed ) card is enrolled in a consolidated credit payment program. So I 'm denied access to my own account and not permitted to pay down my own balance as strongly as I can. I 'm stuck with the $ XXXX-something monthly payments, rather than being allowed to toss {$200.00} at it on months when I am able.
Product: Mortgage

So a company called M & T Bank which is debt collector sent me a welcome package so then i sent them what was called a Debt Validation letter requesting certain documents to prove i owed the debt .. when i ask the company did they purchased the mortgage the company was untruthful and said no but i later found out by the original company { XXXX XXXX } they pruchased the loan .. so once i found out they purchased the loan as a debt collector i referred to the uniform commercial code under TITLE 15 USC 1692 a debt collector can ; t purchased your debt and come after .. i also stated under 9 - 102 A 65 which contains to the PROMISSORY NOTE it not an repayable instruments .. Also under TITLE 12 USC 1431 banks can not lend money so how was there a loan granted.. I explain to the company that the promissory note was monetize that's how the home was paid for .. { title 12 USC 83 A } Also under TITLE 15 USC Section 1 all contracts are illegal but the company keep ignoring the documents and even sent threaten letters to foreclose on my home .. After i found out about the company being untruthful i filed a document for a cease and desist and under TITLE 15 USC 1692 E { 4 } i requested all payments backs but the company refuses..
Product: Debt collection

Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled.
I paid on them for 15   more. I tried to settle them and they would not try to settle.
Product: Credit reporting or other personal consumer reports

The XXXX Credit report indicates the following account as delinquent. I have not been billed by XXXX  XXXX XXXXNor have I been informed of a required payment. I DO NOT OWE them any money. This is fraudulent credit reporting. At the very least, I can not be delinquent on an account that I am not even aware of. This is in violation of my due process rights. 

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Account Details Account Details Payment Status Account Number XXXX Name TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$12000.00} Original Amount {$9800.00} Original Creditor XXXX  XXXX XXXX XXXX XXXX ) Past Due {$12000.00}
Product: Credit reporting or other personal consumer reports

My credit report shows several credit cards that have been written off. I contacted each company with a certified letter to provide me with a 1099 so I could claim the losses as a profit on my credit report. It has been over 90 days. I received the certified post office certified mail receipts but have not received any 1099 to file with my taxes. I contacted the credit bureaus, and nothing has changed either. I need to get this resolved so I can complete my taxes. The companies in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These companies are reporting to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Main problem is with Wayfair -Commenity Bank : A payment was purposefully sent prior to the end of the promotional period on XX/XX/2020 in that amount of {$280.00}. It did not apply. This incurred. me {$190.00} off promo plus another {$48.00} fee. This I had been making multiple large payments to pay this bill off starting in XXXX the original amount was between $ XXXX. Literally I paid over {$660.00}, and now the want {$360.00} more. 

I fell that the off promo is a scam and if you wait to pay it off the last month before the back interest they will purposefully slow down posting payments. 

The fees are also ridiculous. 

$ 28.9 % interest should be illegal. We used to call that loan sharking. There should also be a limit and payments have to be posted and be processed in 24 hours of receipt! The are taking my money and not paying my bills!! 
2nd problem with Come its I called and got through only once. Sent 2 emails. 

Secondary problem Same creditor but different card-Comenity-XXXX I made the mistake of opening a card buying in a XXXX store and never received my card or bill! Also they have wrong address, one I lived in 5 years ago! It was supposed to be fixed after I called to get it fixed and can not get back through. No bill no card!! bad credit. These people are ruining me. 
With the COVID19 I cant fix XXXX account in person.
Product: Credit reporting or other personal consumer reports

I have been trying to fix this for months now but to no avail, my requests to remove and correct erroneous information from my credit report keeps getting ignored, this is extremely infuriating. Not only my rights as a consumer is being violated, this is also affecting my life negatively in every way possible.