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

This problem has been on going and involves many years. PayPal failed to take payment for a pay in XXXX loan and it ended up being charged off. After more than a dozen phone calls, hours on hold and being transferred, hung up and lied to I THOUGHT the issue was resolved. But it isn't I'm now being denied over XXXX years later, use of the service for failure to keep a previous loan which I was told wasn't my fault to begin with as they verified the funds were there and should have been deducted from the account and the account should have never been charged off. I've requested ALL the denial letters over the past XXXX years as they no longer offer them on the website and I still have yet to receive them. The person I spoke to says I need to improve my relationship and positive payment history with PayPal, but I'm unable to do so as they're denying the pay in XXXX loan for fraudulent reasons. Telling me I need to fix a problem I can't fix because their system wont allow me to that wouldn't be an issue if their system didn't fail in the first place is causing me issues and they refuse to fix the issue.
Product: Credit card

There was an account with chase that was opened fraudulently without my consent the balance of {$4400.00}. I have no knowledge who opened this account or how payments were made on the account and how this account has been active, I opened my XXXX  and XXXX XXXX and saw the fraudulent accounts opened in my name with my information. I have submitted identity theft report my driver license, the creditor refuses to remove this account from my credit report when in fact they can not provide any sufficient evidence that I am the one who opened this account. They also violated XXXX federal codes that protect me as a consumer. They violated 15 U.S CODE 6802, 15 U.S CODE 1681B AND 18 U.S CODE 1028. I will be seeking damages of {$1000.00}, they are not willing to cooperate. I have tried several times and have reported it to the bureaus requesting for this fraudulent card to be removed from my credit report and they have failed to remove they put it back into my credit report without my written consent.
Product: Credit card or prepaid card

I own a Barclays XXXX card with XXXX rewards in 2018 I've been outside the United States and when I came back the balance on my card was very high I requested for statements and during the process of going through the statements I found a charge of {$600.00} balance transfer for XXXX XXXX  you can request and I will provide the Consumer Financial Protection Bureau that I do not have any XXXX XXXX  card so this balance transfer was obviously unauthorised I contacted Barclays Bank and they very rudely denied this offer by saying you have another balance transfer on the same date what a lie this company has been giving out it should be red flag attached is my statement and you can see that the other balance transfer was one month apart not the same day please help me get rid of this unauthorized charge which day are pretty much trying to get from me in an extortion manner
Product: Credit reporting, credit repair services, 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 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 blocking the erroneous information which 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, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over 10 times no one replies back via mail, email or phone calls its been over 6months.
Product: Debt collection

this credit card i 've been working to pay this off for the last nine months. making payments to jefferson capital. please correct my file.
Product: Credit card or prepaid card

I have received a promo from Wells Fargo promising 15 point per $ spent on first purchase airfare up to XXXX worth XXXX XXXX Yet points were awarded on a second purchase instead of first - thus netting me just XXXX points. I have called repeatedly and about a month ago WF has opened a case ( I have a case number XXXX ) that was supposed to be resolved within 3 to 5 days. Yet no one has been in contact with me and all I am getting is automated emails " we need more time '' ( even though issue seems to be pretty straight-forward for anyone who looks at terms of the promotions and at what has transpired ).
Product: Credit card or prepaid card

I was told to contact your organization in regard to Bank of Americas unethical closing of prepaid card holder EDD accounts. 
In XXXX, I received a notice to verify my identity with EDD. My Bank of America account was closed. I sent my Identity documents to EDD. They were accepted and approved. Bank of America has been notified that my identity is verified with EDD, they still wont open my account. 
I have called and called and been sent back and forth. Ive spoken with managers, supervisors, the fraud department, the risk department, they say go to the bank without listening to a word I have to say. They dont want to help, they want to keep my money and every dollar in the prepaid customer unemployment insurance and pandemic funds they are improperly managing. I will not leave my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am more susceptible to infection, it is not worth risking my life to go to the bank. Especially not when my sponsor has confirmed my identity and they have not asked the bank to intervene and close my account until I prove who I am. I have already done that. 
Like I said, this is just a rouse to keep all the money they can for as long as they can. And if there is a pandemic, such as the one now, that the government has deemed dangerous and so severe that they passed a bill for federal funding to be available for all workers so people would stay at home, not get sick, and not spread the flu further, then Bank of America had better accept that the people that were forced to stop working, stay at home, and claim the pandemic funds as needed so the economy doesnt collapse, that some of those people will not leave their house. Not for food, not for family, not for money. And absolutely most certainly not at the demand of a bank that is wrongfully closing accounts and refusing to reopen them in the name of account security and fraud prevention, when they know XXXX XXXX  what they are doing is wrong. 
I cant fight them anymore, it has been nearly a year. Please resolve this now. If I can be of assistance, do not hesitate to call me any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.
Product: Checking or savings account

Im being charged an overdraft fee on positive account balances and in early direct deposits that have been added to my account I can provide screenshots and the early direct deposit notice that they send. The fees were charged on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) in which the fees caused my account to become negative. They also casually posted my direct deposit later after telling me it was deposited on the XXXX. When I called they claimed its system generated and they gave me I think XXXX fees back I also asked if I have until XXXX to cover any trans action and I XXXX money to my account to cover it have will I be charged a fee if the balance is positive she couldnt answer the question.
Product: Credit reporting or other personal consumer reports

someone got a hold of my credit information and updated their email address, their home address, their employer, as if they were me. they used my credit cards and opened new bank accounts, used them without my authorization or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( Navient - XXXX and XXXX ). Because the accounts being reported by your company, XXXX, XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Debt collection

The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, 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. 

XXXX 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 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 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 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: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 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: Debt collection

On XX/XX/year> I requested for the Debt Collector - Security Credit Services to send me an original contract between I and their company. The Debt Collector - Security Credit Services Responded back by sending a copy of a contract to an unverified account instead of a contract between I and their company. I asked the I receive a contract back from the Debt Collection Agency - Security Credit Services signed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : SUN XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL  XXXX XX/XX/XXXX ; XXXX  XXXX, XXXX  XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my first complaint regarding this exact same issue : I informed XXXX XXXX   back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.
Product: Money transfer, virtual currency, or money service

There were XXXX transactions where cash app was pulling from my banking account when there was no money in the cash app and it wasnt something that I approved the dates started XXXX and lasted until XX/XX/year> where they deactivated my account after I tried to dispute those charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix this issue with XXXX. Waiting for approximately 1hr on the phone to no avail.
Product: Debt collection

The debt collector called me saying that I was going to be served either at work or at home for a debt that was closed on in   XXXX  . He had my social security number and my address. He had correct information on the old debt and said that I could pay it or have a judgement filed against me. He offered me a deal where I would only have to pay 30 % of the debt if I agreed to pay it over a 6 month period. He also said If I paid right then he would reduce the debt from {$4100.00} down to {$750.00}. I gave him my devit card information and he processed half of the  XXXX  right then and said he was going to process the other half on  XXXX   XXXX . I believe this was a scam and need to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00}