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

On yesterday XX/XX/2022 I called XXXX XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.
Product: Prepaid card

Several XXXX and XXXX charges appeared for at least 2 months on my card. I had my previous phone clonedand a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who very well could hack to do charges. I requested XXXX to stop charging my card however they refused. I reported the fraudulent charges to direct express. They gave me provisional credit then took it back. The money i get on this card is for my XXXX child. There's no reason to take it back as I would neve give permission for my card to be charged like that. In fact the card company should have seen it as suspicious activity and not allowed so many charges in a row. It's quite obvious no one would charge a card like that.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have diligently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is a top priority for me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Mortgage

After submitting a complaint about payments being misapplied to principal causing it to appear I am late on one payment, Today I received noticed from Wells Fargo that they received my complaints and a notice of pre-foreclosure. Even if their records are accurate ( they are not ) I would only be two days past due on one payment that has already been paid. This feels like retaliation that after getting my complaint, Im getting notices of foreclosure. I want this investigated.
Product: Vehicle loan or lease

I let the company know my motheXXXX XXXX XXXX who was the buyer and I am the co signer and they reported it as a charge off on my account yet its still on my credit report
Product: Credit card

This complaint with the consumer financial protection bureau is in regard of improper use of my consumer reports and disobedience of federal law. In reference to Wells Fargo Account # XXXX I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Additionally, In Wells Fargo terms and conditions they agreed not to share my nonpublic information with non affiliates. Consumer reporting agencies such as XXXX, XXXX and XXXX is not an affiliate of Wells Fargo nor are they " bureaus '' as Wells Fargo suggested. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as federal law has stated several times. Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Additionally, per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Product: Debt collection

I have been seeing this on my credit report from MCM, Midland Credit Management regarding over {$1300.00}. I still have n't received a verification of debt and I do n't believe this is legitimate.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Accounts Under America First Were Opened Fradulently without my knowledge. They continuously disregard my disputes and documents filed with the authorities and I want this matter handled immediately. I am now in XXXX because of their negligence
Product: Credit reporting or other personal consumer reports

Pnc bank XXXX called several times looking for information never provided
Product: Credit reporting or other personal consumer reports

I have account continuously show up on my credit report never being removed being re-issued by the same company and never being closed on the accounts are closed account that Ive been paid or still showing on my credit report
Product: Mortgage

This is the third time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee.

My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in XXXX XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX/XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Product: Credit reporting or other personal consumer reports

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect Equifax reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX XXXX has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Mortgage

I PUT DOWN {$500.00} WITH AMERISAVE TO LOCK IN AN INTEREST RATE WHICH WAS ALSO EXPLAINED WOULD GO TOWARDS CLOSING COST. AMERISAVE TOOK TO LONG TO PROCESS THE PAPERWORK ONCE THE HOME WAS COMPLTED WHICH REQUIRED ADDITIONAL FUNDS AT CLOSING. WE WERE SCHEDULED TO CLOSE ON XX/XX/21 AFTER BEING DELAYED 4 ADDITIO0NAL TIMES AND AMERISAVE WAS NOT READY. AMERISAVE DID NOT COMMUNICTE WITH THE CLOSING ATTORNEY TO ENSURE THE FINAL DEADLINE OF XX/XX/21 WOULD BE MET. THE CLOSING PAPERWORK DID NOT ARRIVE UNTIL XX/XX/21 PAST THE DUE DATE. I WAS TOLD THAT IF THE CLOSING DID NOT HAPPEN BY XX/XX/21 THEN ADDITIONAL FUNDS WOULD BE REQUIRED AGAIN AT CLOSING. THE CLOSING WAS DELYED BECAUSE AMERISAVE DID NOT HAVE THE PAPERWORK READY IN TIME NOW THE DEAL HAS FALLEN THROUGH BECAUSE I REFUSED TO PAY MORE MONEY FOR THIER MISTAKES. I HAVE ASKED FOR MY ORIGINAL {$500.00} TO BE RETURNED AND MY PHONE CALLS AND E-MAILS HAVE GONE UNANSWERED. I THOUGHT THIS ONLY FAIR SINCE THEY COST ME SEVERAL THOUSAND DOLLARS IN OTHER FUNDS DUE TO THIER DELAY IN THE FORM OF FUEL, LOGGING, RENTAL TRUCKS AND FURNITURE STORAGE. I WAS WILLING TO DROP IT IF MY {$500.00} WAS RETURNED. I MAY NOW HAVE TO SEEK LEGAL ACTION FOR ALL MONEY LOST. WHAT A HEADACHE.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the three reporting agencies XXXX, XXXX and Equifax to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.
Product: Vehicle loan or lease

I paid off my brand new XXXX Hyundai XXXX in XX/XX/XXXX. I waited several months for a title which was never sent. I called Hyundai motor finance and they said they sent the title however this was not accurate as it was never received in the mail. I even called the post office to make sure mail was being sent correctly and XXXX verified all mail was delivered. I subsequently called Hyundai motor finance in XX/XX/XXXX and they said that the title was mailed XX/XX/XXXX ( this was a lie ). They said I would not need a lien release letter which they will also send. As of now it is XX/XX/XXXX and I still do not have a title for my paid off vehicle. XXXX is not helpful and giving me a runaround and gaslighting me making me feel as though mail is not coming when they are actually not sending anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for COMENITYCB/XXXX  with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with COMENITYCB/XXXX  directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.
Product: Money transfer, virtual currency, or money service

I was trying to buy tickets off someone online. I used the XXXX  extension available through my XXXX  XXXX XXXX account to transfer the money to the person I was supposedly buying the tickets from. I sent the money and then, when trying to get the tickets, the person didnt send anything. I then requested that they sent the money back to me through XXXX  and they blocked me. I contacted my bank and they claimed that they cant do anything since its already processing. I sent a request through the XXXX  extension for the person to send me back my money and they never responded. I just really hoped the bank would do something about it, but they couldnt even though the transaction wasnt fully processed, it was still just processing.
Product: Credit card

I have had Chase account and credit cards for years. I use my Chase Ink card to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When a lawyer does not provide services and withdraws from representation, then I contact Chase and dispute the charge and it is credited back. This happened with XXXX XXXX XXXX XXXX XXXX did not get credit till May 5 months later over 150 days CHASE violated the Fair Credit Billing act 1026.13 Billing error resolution. 

There have been 3 lawyers who charged the retainer, stopped answering my calls, did not file motions, and withdrew without providing any services or doing ANY work on my cases. I have sent in 3 letters explaning that XXXX XXXX is an unethical lawyer, who uses her lawyer certification as a ponsie scheme. She drafted up invoices stating she provided services when she did not. I had to hire XXXX XXXX on XX/XX/XXXX to file a XXXX XXXX to stop the sale on a property that my deposit was being held in court. She didnt file anything and stopped returning my calls, so the charge was reversed. 

I have demanded the {$5000.00} from the rebill be permanently credited on XXXX  was rebilled and stated in a letter ( time lapsed ) that is not true XXXX filed dispute in XXXX and I noted the account XXXX XXXX XXXX is being investigated by the Florida Bar Association for numerous complaints & sanctions from her clients. She has about XXXX XXXX reviews ( including mine ) warning people not to retain her for services as she will take your money & run, leaving you in worst financial position with judgments and liens ordered by the judges in court. Now I had to appeal all my cases, try to vacate default judgments and sue XXXX XXXX XXXX for legal malpractice. I retained XXXX XXXX who is charging {$7000.00} just to get cases back open & vacate judgments and then I have to pay another retainer to sue XXXX XXXX XXXX. I uploaded proof that XXXX XXXX filed the documents she was suppose to do in XX/XX/XXXX. CHASE still has {$5000.00} on my card with interest since XXXX rebill. I called twice last week and Customer Service said XX/XX/XXXX in review, but credit not showing and there is no reason why the {$5000.00} should be on my card. I submitted all emails that she stated she withdrew in XXXX and I uploaded atleast 5 emails where I demanded she send credit back and she would write " im preparing your closing package '' this is a liar, there is no closing package. When a lawyer withdraws a form sent substitution of council and I notarize it. She purposely did not send the form so that another lawyer would not take cases. So now the new lawyer has to have a hearing to tell the judge XXXX XXXX XXXX was terminated for not providing any services of drafting & filing court ordered documents for all 5 cases that were in trial or about to start trial. 

CHASE INK usually protects me with fraudelent charges, this is the first time they allowed such a large amount to stay on my card and getting interest charges on {$5000.00}! Thats not right and I am thinking of going to XXXX XXXX for business card if this is not immediately fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX  and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Vehicle loan or lease

My vehicle went into repossession. I was told to pay XXXX to stop repossession. I did pay that in the amount of XXXX! Today when trying to acquire a loan I was told that I have a Charged off debt on my XXXX XXXXXXXX XXXX! 
XXXX XXXX told me to pay to stop repossession, but after paying, they put on my credit that the debt was charged off as bad debt! I am still making my monthly payments and they never sent a letter or notice that they would charge this account off, even after catching up all payments to stop the repossession. Now my credit account is showing this account as closed and I still have a vehicle I am making current payments on. Deceitful practices! They gave no notice, letter or call saying after they receive my payments they would close this account. I paid in full to make this account current.