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

XXXX XXXX XXXX XXXX is the lender for my mortgage. In XXXX I called them to request forbearance under the XXXX XXXX. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the XXXX XXXX, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since XXXX XXXX is not supposed to change its reporting. She ended up telling me that XXXX XXXX would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''
Product: Money transfer, virtual currency, or money service

*Square provided false information in CFBP response to customers and I did not receive any verification information. ( Picture : XXXX ) ** Copy emails to reply to customers and insult customers. ( Picture : XXXX ) XXXX. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
XXXX. Your email customer promises to review and release within XXXX days. You broke the contract without any results. 
XXXX. The account did not trigger the XXXX items you mentioned ( no customer refunds or disputes occurred ) XXXX. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to " XXXX '', it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article XXXX ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.
Product: Credit reporting or other personal consumer reports

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I checked my credit report. It is stil showing the Hard Copy of Capital One Bass Pro ran on my credit from the state of iowa on XX/XX/20. The credit bureaus will not remove this until the company does it. This is not mine, I do not live in Iowa, no one was authorized to run my credit. I want this removed. I have no credit card number as it is not mine! I do not live in Iowa never have. Please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

On XX/XX/year> I made an electronic payment of {$24000.00} to this credit card, an overpayment to the amount due. 
Immediately following I reached out to customer service and was told they would issue a check for the overpayment. 
When I followed-up later, I was told this would not happen and I would have to wait 60 days after the {$24000.00} payment in order to process a refund.
Product: Student loan

Hello, I have been contacting them now for almost a month. they said i am not late and that my payments would start in XX/XX/2018. But they still have the late fee notice of my account. i have since then tried other options as far as uploading forms and forbearance i have with another lender. still no response at all. I feel like they do not want to work with me or answer any of my response.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( selling e-book, digital product, freelance ) since ( XXXX ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless
Product: Credit reporting or other personal consumer reports

Equifax has not did a proper investigation of this company XXXX XXXX XXXX in giving the consumer actual real documents from this company and I contacted the company and XXXX stated she didn't have or could PRODUCE DOCUMENTS, of my ownership and payment history, or first date of delinquency from the original document from the original creditors, this account is incomplete information of payments on my report there is no information on my report from Equifax period please delete immediately, this is reporting incomplete and inaccurate information that hasn't been produced to the consumer according to compliance rules of FCRA OF COMPLETE AND FAIR CREDIT REPORTING
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX XXXX. I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. 

ON XX/XX/2022 I APPLIED FOR A XXXX American Express CARD AND WAS DENIED. 

PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Product: Money transfer, virtual currency, or money service

some one has a account with pay pal using my name and i keep getting these bogus emails saying payment was received and the latest one came from XXXX XXXX some one girl or guy sent XXXX dollars to XXXX for a purchase i know nothing about and ive tried on several occasions to contact paypal and it seems like no one is receiving my emails so the charge came from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX so i hope i choose the right one cause i dont know who else to turn to besides the local police
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX Account number XXXX, XXXX XXXX , XXXX XXXX  acct number 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

I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my XXXX I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the XXXX used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union reported an open credit card payment late on XXXX and XX/XX/XXXX and XXXX, XXXX of XXXX. 

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under, 15 U.S.Code 1681a Section 602 states I have the right to privacy 15USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry that shouldnt be on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. XXXX is reporting my XXXX account under potentially negative XXXX. Reporting as open in the potentially negative section on XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding American Express and their continued inaccurate reporting of my account, which has negatively affected my credit report with XXXX, XXXX, and XXXX. The inconsistent handling of this account by American Express, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. 

Account Details : Issuer : American Express Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to American Express that there were charges on this account that were not mine. American Express initially investigated and removed these fraudulent charges from my account. 


XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, American Express informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. 


XXXX. Confusing Communication from American Express : On XX/XX/XXXX, American Express sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions. 


4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with XXXX, XXXX, and XXXX, further damaging my credit profile. 



Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation.

Resolution Requested : Immediate removal of the inaccurate information regarding this American Express account from all three credit bureaus.

Assurance that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. 

Clarification and correction from American Express regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. 


This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. 

Thank you for your attention to this complaint. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act s the credit bureau, 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 an account without my written instructions.

However the credit bureau is reporting XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX
Product: Checking or savings account

I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. 

Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX.
Product: Credit card or prepaid card

I opened an XXXX credit card with First National Bank of Omaha with the promotional offer including 2 % back on every purchase, {$200.00} cash bonus when you spend {$1000.00} within the first XXXX billing cycles, no rewards expiration, 0 % APR first 12 months, etc ... all conditions were met except the {$200.00} cash bonus despite my meeting the terms of spending {$1000.00} within the first XXXX billing cycles. Calls to the bank first told me it wasn't part of my application but later, after connecting with a XXXX, informed me the promotion began in XXXX of XXXX - I opened the account in XXXX of XXXX - and that I was entitled to the {$200.00} cash back and it would be applied within XXXX days of the call ( XX/XX/XXXX ) or at the latest on my next billing statement ( XX/XX/XXXX ). It was not applied either in XXXX days of the call or on the next statement. I called them after the XXXX statement and was told they would look into it and call me back. When they followed-up they reverted to their initial claim that the application I submitted did not include the {$200.00} cash back offer and could provide no further explanation. 

There is no opt-in option for the reward on the application. There are not multiple applications. For unknown reasons this reward was not included in my account despite being an offer for all new XXXX cards and thus I am submitting this complaint on false advertising and misleading information both on the initial application and due to misleading information provided by a supervisor confirming the {$200.00} would be applied. 

The picture attached is the exact promotional terms I anticipated and were offered to all new XXXX card applicants beginning XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have file disputes multiple times with cash app and no one ever got in contact with me Ive sent over serval documents to let them know that it wasnt me making transactions Ive lost my hard earn money missed out on bill had bills cut offf of and had got behind on rent all because I was praying I get money back its no one to actually talk to
Product: Checking or savings account

On XX/XX/2020 I got a Cashiers Check from my XXXX XXXX checking account ( acc XXXX routing XXXX ) In an attempt to move my funds to an account which a local branch in XXXX. 

On XX/XX/2020 my check went missing in the car. I knew the person who took it so after filing a police report they gave it back to me with my other belongings they had taken. 

On XX/XX/2020 I opened an account with Suntrust Bank ( acc XXXX ) and deposited the cashiers check. A few days later I found out that I wasn't approved for the account and it was flagged for fraud. I thought the person who stole my check might have tried to cash it so I filed a stolen check claim with XXXX XXXX on the XX/XX/XXXX with XXXX XXXX. I was told the process takes three months. After three months I still didn't receive anything XXXX XXXX was ignoring my emails. The XXXX XXXX customer services had no clue about my claim. I reported the matter to CFPB # XXXX. That was when I found out that my check had been cashed by Sun trust Bank and there was no reason for them to flag it as fraud because I am the one that endorsed it. 

Suntrust claims to have contacted XXXX XXXX to verify the source of my funds but that is not true because XXXX XXXX a XXXX XXXX branch manager followed up. They claim to have sent me a check of the interest not the initial {$50000.00} I deposited and it was sent back to them because my apartment number was missing on my account. I fixed that with one of their staff members but till date I haven't received anything. They want XXXX XXXX to recall the funds but XXXX XXXX they can't help me with that because it has been past 7 months. 

I can not contact the Suntrust fraud department only their staff can do that but when I go to the branch they are not willing to help me at all and they have an appalling attitude.There is no fraud whatsoever that they claim to be investigating they are just unfairly holding my funds for no reason. With no communication at all. 

Its been a very hard 7 months without my funds that were meant for my business and I've been forced to dissolve my company because of this issue. I am very appalled by how I've been unfairly treated by both banks that are doing the bare minimum to give me my money bank. 

I would be overwhelmed with gratitude if the CFPD would help solve this matter because Sun Trust is clearly biased. Based on their reviews on XXXX thesis a norm for them. 

I am looking forward to hearing from you. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.