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

I Checked my credit to see a negative report from RCVL PER MNG for XXXX for {$2400.00}. This is an incorrect reporting. The devices were paid off on the account shortly after XXXX XXXX closed my account citing fraudulent activity. They never provided any proof as to why the account was closed. I am not sure where this debt has come from all of a sudden but this is a very old account that does not need to be on my credit account.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2020 at XXXX CST, I called the Barclays customer service phone number, ( XXXX ) XXXX. I'd noticed that my current APR is 26.99 % and I asked if there was anything they could do to lower the APR, or if they offered any special programs that would help lower the APR. The customer service representative ( I can not recall her name ) told me that they could not lower the APR and did not offer any other services. I asked if there was a supervisor who could help me ; she told me specifically that it wouldn't matter if I spoke to a supervisor, because Barclays would not allow any adjustments to be made to the APR. 

Given my financial situation over the years, I've worked with several credit card companies ( XXXX, XXXX, XXXX XXXX XXXXXXXX, and others ) who not only have been willing to lower my APR, but have taken steps beyond my initial request and offered me additional programs and services that could help me reduce the cost of my payments. 

I find it absurd and, frankly, offensive that Barclays refused to offer any assistance.
Product: Mortgage

I previously had a mortgage product with Wells Fargo. 

In XXXX of XXXX, I received letters about being enrolled in a product from XXXX that was not authorized or wanted. The letters included the name of the product and time periods that the product was in effect, along with reference numbers to match the letters to the accounts in question. 

Upon calling the XXXX number and reaching an associate with their customer care line, I provided the reference numbers. The associate asked for a call back number in case we got disconnected. I said if I provided the number, I was not agreeing to receive solicitations. She asked if she could put me on hold. 

After putting me on hold, she game back and said I was added to their 'Do Not Contact ' list, and that I would receive no further communications. 

I stopped her and said, we are talking about two things, XXXX ) my not wanting to receive solicitations in the future, and XXXX ) these letters. She said, no, it was the same thing and she could not provide details on the letter unless I had her removed the flag. 

I told her to remove it, then she shared information on resolution the product issue ( refunds and a form to go through mediation, if appropriate ). 

There are two issues here : XXXX ) The associate does not understand the very simple, 'Do No Solicit ' election where a customer can choose not to receive product offers. XXXX ) What seems like an extremely dishonest approach to resolving a past problem. The idea that I would say, 'Do Not Solicit ' to mean I was opting out of everything, including the reason I called? It's not credible that an adequately trained bank employee would accidentally conflate those two things. 

It is completely inappropriate to tie remediation of an issue, to accepting solicitation. 

The best spin is incompetence, the worst is another deceptive practice ( on top of the one that prompted the letters ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 A fraudulent identity theft was reported
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the loan company when i spoke with the first person i explained everything about how they where still drating my account for the loan his excact words was XXXX im so sorry they have been drafting my accout for a year on a XXXX dollar loan which should have been paid off the first 2 months cause the notes where XXXX a month. the guy trasnferred me to some one else when he got on the phone he told me it was my fault cause i didnt remind them of that after arguing with him about im telling him let me speak with some in higher in the department he puts his so say supervison on the phone an they denied me to speak with any one higher they claimed they where the highest an theirs nothing that can be done. they continued to deny me to speak with any one i hung up an called the the city XXXX  because that where the loan comany which is also a credit union based at. they said to make a complaint with my local city department which is XXXX XXXX, XXXX  they transfered me to someone in XXXX XXXX but instead i got the voice mail. i left a message with my contact i didnt here anything back intill about a month ago i receieved a letter from baton rought with a letter stating that in this mail is a complaint form fill it out an mail back asap to see if the where gon na continue to prusue it.also the was a a paper asking me what i wan na do this happening what type of action to persue i simply said i jus ant my money back that they darfted for almost year out of my account i mailed it off the next day now its been over a month an yet have i herd back from any one. right now times is hard so i can use the money that they owe me
Product: Credit reporting or other personal consumer reports

Notified XXXX XXXX of my right to opt out of them reporting non public personal information to any third party affiliate per 15 U.S.C 6802.
Product: Checking or savings account

Hi im a consumer at current bank an online banking app the night of XX/XX/2020 i have transfer XXXX to my sister XXXX XXXX  account because our dad just recently passed away XXXX XXXX  took my money out my account and XXXX XXXX cancelled my transfer but they said their were going to send back a refund to my bank so now XXXX XXXX sent out a refund to my bank but my bank is taking me through changes also because they said XXXX XXXX process a cancelled transfer and now it's going to take my bank 2 weeks for my money to be available i have business to handle with that money and these people don't care im going through a lot since my dad just passed away i really need you guys help because this bank keeps giving me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise credit services has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX account. Instead the want Me to pay a settlement. I have disputed the with XXXX which has had no help. Im seeking help to ATLeast have sunrise send me some documents proving this is my account. Which I know it is not.
Product: Money transfer, virtual currency, or money service

PayPal flagged my account for selling collectible pocketknives, suspended my account permanently and has attached over {$8000.00} since XX/XX/XXXX. 

PayPal account. ( Ref ID - XXXX ) I previously used PayPal in XXXX and XXXX providing the same product and business model without incidence. XXXX 's sellers weekly use PayPal for thousands upon thousands of the same transactions I did. I've had no disputes over sales and all purchasers received their collectible pocketknives as fast as XXXX priority mail shipped. I have been singled out and unjustly discriminated against. I understand it's even a policy of XXXX and PayPal, that all sellers on XXXX, including sellers of knives, must have PayPal as a payment option.
Product: Credit reporting or other personal consumer reports

I received a settle offer for 50 % of balance If I paid {$160.00} the account would be considered settled. I paid that {$160.00} in early XXXX. All the sudden about a year later they reported to all 3 credit bureau saying I still owed {$160.00}. I have disputed with all bureaus multiple time and provided documentation that I took the settlement and asked them to delete from report. Everytime my the investigation has come back as the information from XXXX is correct and legal. I have asked for proof of anything and I am ignored. I gave them one more chance to fix the information being report or provide me proof before I reported to CFPB. Once again I was ignored
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX DEPT OF ED 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

in XXXX of XXXX I refinanced an FHA loan with Home Point Financial. The loan was sold to Mr. Cooper serviced by XXXX XXXX which was sold this year to Mr. Cooper. It was discovered that the first refinance was to a loan that was not mine. XXXX reveals I refinanced a XXXX XXXX loan in which I actually refinanced a FHA loan. I refinanced for a conventional loan, but informed I had refinanced from a XXXX XXXX loan to a refinanced XXXX XXXX loan. Mr. Cooper is informing me of payments not taken from my bank account, but credited to my loan. I have stopped all autopayments but will continue to ensure all payments remain paid. I have notices about escrow for taxes in which I am exempt, but Mr. Cooper denies sending any such notices. They additionally deny sending demands for insurance proof which has been done several times. I am Tax exempt due to VA XXXX rating of 100 %. This too was an issue with XXXX XXXX and XXXX since XXXX. HUD reporting from XXXX showing an actual loan that is NOT a loan. Confusing a loan with my address and providing incorrect information. This led to the refinancing of the incorrect loan overall by Home Point.
Product: Debt collection

I wrote and asked for a debt validation letter with no response also asking them for a copy of my signature for this debt or creditor with no response.
Product: Debt collection

I notice that this account has been sold twice to different companies. Cavalry Port filo Serv is collecting a false debt that is Fraud. As a victim of Identity theft I have to be aware. But the Credit Bureaus are not watching because they allowed this account on my credit. I need this account off my credit asap or this would result is legal issues
Product: Debt collection

On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( 1 ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and is in fact a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

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

This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The XXXX XXXX XXXX continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureau to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LA XXXX CNT Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$420.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Mortgage

My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.
Product: Debt collection

The Company in question : Absolute Resolutions Investments , LLC has committed numerous violations of the Fair Debt Collection Practices Act under title 15 USC 1692. 
They had a sheriff serve me with what appears to be a summons with no actual court date, yet are persistent to attempt to force me to pay a debt in which they have yet to validate. I sent them a response within the 30 day window asking them for debt validation and all they sent back were moot statements which had no validity. The company has not yet sent me an contract agreement with my signature on it nor any of my other required exhibits for validation. ( Actori incumbit onus probandi ). In my initial response I did inform them of my intention to sue if any negative information was placed on any of the three major Credit Bureau 's and yet they dishonorably placed negative remarks upon it in an act of unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!
Product: Prepaid card

I reported it to police and sent the Information to money network. 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 XXXXXXXX This is a printout from money network. They denied my claim but resubmitted my letter of appeal.
Product: Bank account or service

I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission
Product: Debt collection

Td babks claims to say I owe them of XXXX but I havent had an account with them since I was a minor this is false and scams have been bought to my attention
Product: Money transfer, virtual currency, or money service

I received inaccurate fees for my CashApp- XXXX XXXX and my account was closed and I was not provided a reason why. I contacted CashApp about it and they never replied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX  XXXX XXXX # XXXX 30 DAY XX/XX/2021 XXXX  XXXX # XXXX XX/XX/2021. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers.
Product: Checking or savings account

For 3 months withdrawals were made by XXXX XXXX  from my Associated Bank business and personal account without my knowledge or consent. I disputed the charges from my personal account after I was notified by Associated bank about one of the charges from the unauthorized cash ap account on my personal account. ( I also had a cash ap account that I authorized on my personal account. ) I received a refund for my personal account. Then I noticed the same fraud occurred in my business account over the same period of time. ( I did not have a cash ap or any other electronic transfer service attached to my business account ) My dispute of these fraudulent charges was denied and I was banned, without notification, from having debit cards, which has had adverse effects on my business and emotional well-being. I did not authorize these withdrawals and I was not notified of them by cash ap or Associated bank. Also I was not told how I could better protect myself or how my account was breached or how they arrived at their decisions.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I signed up for Square because a customer wanted to pay by card, and I needed a processor. The {$540.00} payment came in and on the XXXX of XXXX Square deactivated my account, without explanation, and is now holding my funds for 90 days while they get to keep any interest earned. 
Their hold is arbitrary and capricious ; ample proof was given to validate the transaction, including the original itemized invoice ; after proof was provided the resolution time of 90 days is unwarranted, unethical, and borderline theft. 
I completed one transaction with Square, only one. I have done business with the customer many times before, outside of Square, without issue.
Product: Money transfer, virtual currency, or money service

I opened an account on XX/XX/XXXX buying several types of coins. I moved money from wallet to the Coinbase Vault service on the XXXX. On XX/XX/XXXX I withdrew 2 small accounts that consisted of earned money from learning about several coins. That money had not been moved to the vault. The problem began when I tried to move money from the vault to my wallet to withdraw it. The process calls for 2 step verifcation within 24 hrs. I verified both places but my account would only register that I approved one. I tried this several times over a number of days from XX/XX/XXXX on. I wrote to support XX/XX/XXXX and got response the XXXX saying they needed me to verify who I was and then let them know and they'd move my money to my wallet and give me a new vault. I did that. Then they said verify and provide selfy. So I did it again but there was no place to enter a selfie. I asked them where to enter a selfie and got no answer. I verified again and sent support a selfie. No response. I wrote several times. No response. Got an email asking if my issue was resolved I said no. No further support. I've written several times asking if they're stealing my money and gotten no response. I paid to have my bank account stop any further withdrawals. I could not sell when the market was up or use that money at a legitimate site.