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

go back on XX/XX/2019 I sent my XX/XX/XXXX payment due of {$60.00} min due to be credited to my account ending in XXXX PayPal Credit is the Creditor. 
but Pay Paly Credit never applied my payment I called on XXXX of 2019 to make a dispute over the phone buy they did not help me they told me they need me to get proof of such payment so instead of they investigate my missed payment they asked me to me to do so,,,, so iI order a copy to XXXX I received proof of payment it was deposited into Pat pal checking business CORPORATION BANK account Iam attaching proof of my payment was never credited into my pay pal account they reported lates since then on XX/XX/2019 and more lates during the past 3 years I am having difficulties getting jobs positions since they damage my Credit becaiuse they reported lates in my 3 Credit bureaus
Product: Money transfer, virtual currency, or money service

I bought XXXX on the Blockchain app. That went instantly, but when I tried to send it out they gave me a transaction ID that never registered on XXXX. Its stuck pending and nobody is there to speak to. Im just stuck in limbo here. This is ridiculous.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report and I have not applied for anything over the last year or so.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Dismissed Bankruptcy from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the bankruptcy listed on my credit report, as it was dismissed and is no longer in effect. However, despite its dismissal, this inaccurate record remains on my credit report, negatively impacting my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), credit reporting agencies are required to ensure the accuracy of the information they report. Since my bankruptcy case was dismissed, it was not discharged and should not remain on my credit report as an active record. A dismissed bankruptcy means the case was not completed, and no debts were eliminated, making its continued presence on my report misleading and harmful. 

I have already attempted to resolve this issue directly with the credit reporting agencies, but they have failed to remove the incorrect information. As this is a clear violation of federal law, I am requesting that the CFPB intervene and ensure compliance with consumer protection regulations. 

Please inform me of the next steps in this process and any further information required to resolve this issue. I appreciate your time and assistance in ensuring my credit report reflecting accuracy Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance Sincerely. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to delete my negative item from all 3 credit bureaus. Experian has not been cooperating in deleting per proof given to them. Please see the 4 attachments
Product: Credit reporting or other personal consumer reports

I began an inquiry on an equity loan with rocket mortgage. They gave me information on refinance But i declined because i did not want to refunance. I never applied a loan with them. 
I received a letter that my loan was denied. I never applied a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint # XXXX, in which I requested Transunion refrain from sharing my personal private data. The response was incomplete, inaccurate, evasive, excessively wordy, off topic and most of all completely failed to be answered. Allow me to be clear as possible, the request did not pertain to the accuracy or validity of any account ( s ) on my private personal consumer report, but in fact to stop publishing my person private data without consent.
Product: Credit reporting or other personal consumer reports

Physical proof of my signature to authorize these account to be report in my credit report and my name. i attached my driver license and proof of my registration as proof of address
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account - No Response Received Dear XXXX XXXX XXXX , XXXX XX/XX/XXXX, an account under XXXX  XXXX was opened in my name, which was subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions ; however, it was charged off as bad debt without reflecting any specific amount. 

On XX/XX/XXXX, I contacted XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX , SD XXXX, to notify you of a fraudulent account that appeared on my credit report. I provided a fraud affidavit, a police report, and an FTC identity theft report as supporting documentation. Despite waiting for a response, I did not receive any communication from your team. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response from your end regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )
Product: Credit card

There is a charge of {$16.00} of my statement of around 2 months ago, for the order of XXXX XXXX that has never been delivered to me in XXXX, XXXX, The credit card has not permitted me to file the dispute on line, despite my many attempts. They insist that I call them, on my many messages to the Executive Office, I wrote that I can not call from XXXX and sent them some of my numerous attempts to resolve the matter with XXXX XXXX, asking to file a dispute on my behalf, or let me do so, IN REPLY TO MY NUMEROUS INSTRUCTIONS TO STOP CALLING ME ON MY XXXX PHONE NUMBER, T THERE HAVE BEEN MORE AND MORE IDIOTIC PHONE CALLS, TELLING ME " WE NEED TO TALK TO YOU '', MORE OF MY LETTERS, MORE PHONE CALLS, COMPLAINT TO XXXX  - MORE PHONE CALLS AND THE CASE CLOSED AS BofA REPORTED THAT THEY SENT ME A LETTER TO RESOLVE THE CASE,, BUT THEY COULD NOT CITE THAT HIGHLY SECRET LETTER ON THE XXXX XXXX Well, it took me 40 minutes to log on to some highly secret web site, to read the totally idiotic letter telling me that I have to send them a formal complaint, via mail, THIS IS AFTER TWO MONTHS AND 40-50 HRS OF MY WASTED TIME, The incompetent and abusive Bank of America must have wasted a few $ $ XXXX on salaries of their incompetent and abusive employees, instead of issuing a {$1600.00} credit for the fraudulent XXXX XXXX , I have tried the online customer support, who told me that they could help, because my IP address was from XXXX XXXX , WELL, THE BANK KNOWS THAT I AM OFF AND ON IN XXXX, MY CHARGES ARE IN XXXX, FOR THIS CARD, MY PAYMENTS TO TWO OF THEIR CREDIT CARDS ARE MADE FROM XXXX, via my XXXX XXXX> WHAT IS THE BANK OF AMERICA PROBLEM ? 
WHY IS NOT THEIR WEB SITE EVER WORKING PROPERLY, WHY DO THEY INTENTIONALLY ABUSE AND TORTURE CUSTOMERS OF MANY YEARS BECAUSE OF THE FRAUDULENT CHARGE OF {$16.00}, FOR THE ORDER THAT HAD BEEN NEVER DELIVERED TO ME, THIS IS ABSURD, AND THIS IS A CRIMINAL ABSURD, DEMAND CREDIT OF {$16.00}, REMBURSEMENT OF THE WASTE OF 50 HOURS OF MY TIME, AND THAT BANK OF AMERICA PROVIDE ME WITH AN EMAIL CONTACT OF SOME COMPETENT PERSON IN CHARGE AND REPAIR THEIR NEVER WORKING PROPERLY WEB SITE,
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS ABOUT EQUIFAX, IT'S IN REGARDS TO MAKING 3 PHONE DISPUTE ATTEMPTS TO MAKE GO AWAY. ON MY EQUIFAX REPORT IT HAS TO DO WITH THE CONSUMER STATEMENT SECTION. ALL 3 TIMES THAT I HAVE DISPUTED THIS I HAVE TRIED TO SPEAK TO A SUPERVISOR I HAVE BEEN TOLD NO EVERY TIME. THE REPRESENTATIVE TELLS ME THAT THEY WILL HAVE THIS STATEMENT REMOVED FOR ME THATS ALL I AM TRYING TO DO AND ASKING FOR IS TO HAVE IT REMOVED. SO THE REPRESENTATIVE HAS ME GO THROUGH ALL THESE SECURITY QUESTIONS BEFORE WE CAN EVEN START, ONCE WE START I ASK FOR ONE SIMPLE THING AND THAT'S TO PLEASE HAVE THIS CONSUMER STATEMENT REMOVED BECAUSE I DIDN'T PUT IT THERE. THEY STATED 3 TIMES NOW THAT WOULD BE DONE STARTING BACK IN XX/XX/2020. XX/XX/2020. AND XX/XX/2020. ALL 3 TIMES I RECEIVE A CREDIT REPORT IN THE MAIL THE RESULTS STATES THIS ITEM HAS BEEN DELETED FROM MY FILE. I LOOK ONLINE ALL 3 TIMES THE CONSUMER STATEMENT IS STILL SHOWING ON MY REPORT! WHAT IS GOING ON? CAN SOMEBODY AT EQUIFAX EXPLAIN TO ME WHY AFTER 3 DISPUTES THIS STILL IS ON MY REPORT?
Product: Credit card

nothing against amercian express but have been writing since XX/XX/XXXX with no response. affected by catastrophic illness and vabdlaism to my home with some interruption to cash flow has been hard. i am a loyal long term customer here and wrote in about some forgiveness of my balances. NOthing with strings attached just loyalty for loyalty like XXXX forgiveness on each. every day card and business this would make a huge impact. and help me so this is not a complaint. i dont need hardship just some loyalty and next month is my birthday PLEASE cosnider PLEASE. i use it carefully, pay and some of the expenses are for problems and hardshiips like flying my son for XXXX or for vandalism to my home. i have heard nothing on my letters PLEASE help please no scripts. Please give back what i have given to you when i need it PLEASE please help me think of all the money lost to bad customers when they dont pay PLEASE help PLEASE PLEASE PLEASE it will cotninue to earn my loyalty PLEASE
Product: Debt collection

I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit
Product: Checking or savings account

on XX/XX/2022 cash app locked my account due to 'fradulent activety ' but it was just me trying to cash out my balance back to my bank. I can now not access the XXXX in my account which is all the money I have. This is rdiclous. There customer service is also not helpful/to non exsitent. This is all the money I have and now I have none to pay for anything. I will do any step to prove my identity but I would like access to my money. They unlocked my account but then relocked it a minute later after I try reading my bank account to it.
Product: Credit reporting or other personal consumer reports

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to XXXX XXXX XXXX ( q ) ( XXXX ) and, Texas XXXX and XXXX XXXX XXXX XXXX. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, and Texas XXXX XXXXXXXX XXXX XXXXXXXX. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by XXXX XXXX XXXX of the XXXX XXXX, XXXX. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of XXXX. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Credit reporting

Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Consumer Loan

My father, XXXX XXXX, is on a fixed income but financially stable with good credit. My brother who is a substance abuser, has no credit worthiness. My father and brother went shopping for a car, most likely a used XXXX that my father was to cosign for and my brother make payments. At the dealership ( XXXX XXXX in XXXX Ky ), a salesman discovered my brother 's credit problems. My father, not understanding what was going on, was persuaded to be the main borrower. The salesman proceeded to up-sale my brother a brand new car he could n't afford, and used my father to get the bank, ( Chase ) to secure the loan. Now Chase is harassing my XXXX XXXX XXXX father relentlessly, causing him untold stress and no payments have even been late! Is it possible to get my father 's name off this loan at this point? I realize he SIGNED the papers, but he 's elderly and honestly did NOT know what he was signing for at the time.
Product: Credit reporting

I received word from XXXX last year that my information had been accessed. I put a security freeze on my accounts. In the last two months I have received multiple scam emails which had my actual social security number on it and I forwarded those to the XXXX and the FBI. I have also had a collection account place on my report which is not mine! The Collection agency is XXXX. This is not my account as I have had a Fraud Alert on my credit since last year I do not know how this got placed on there and I have no knowledge of this account. Also, there are multiple errors on my report which I have tried to get removed such addresses that belong to my ex-husband, and my sister, and my daughters ' credit card accounts! There are also several credit card accounts that are reported twice and should not be reported as they are because I filed bankruptcy in XXXX of 2013! The public record accounts that are on there are shown as derogatory when in reality those accounts are where I set up payments with the IRS because I could not pay all of my taxes at once so I called the IRS before the filing date to set up payments and they agreed. I filed a dispute with XXXX and Experian and they removed the wrong information for a little while but it was placed back my file. Overall, I want the XXXX collection account off my account as it is absolutely not mine!
Product: Consumer Loan

I XXXX XXXX spoke to Ocwen Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I also talk to XXXX they toll me they can not give me the full amount, XXXX went I talk to them on this day they say Yes that they were going to give me the full amount never toll me about any interest charge XXXX XXXX ID XXXX, also talk to XXXX ID XXXX well went I talk to them they told me to make the payment on the loan, and I did for the amount XXXX Do n't worry you are going to get all your money back went we get the pay off amount. But I told them that I was in the proses off paying the loan off amount {$170000.00} and my loan officer sent the pay off amount XXXX they got the pay off amount XXXX they are charging interest went I pay off the loan on time and made and extra payment for XXXX XXXX I pay {$1100.00} They only want to sent me {$1000.00} went I suppose to get the full amount. They say as long we get the payment before the XXXX XXXX it should be ok. I will get the full amount I still have not got my Money.Pleace help me call me at XXXX
Product: Vehicle loan or lease

Recently went to scrap my car and found there is still a lien on it. Wells fargo dealer services says there was still a balance on it. They never sent anything saying there where missed payments and even though when I moved 5+ years ago I called to update my contact information it appears that whoever I talked to at the time failed to update my contact information. I had auto payments set up so I do not understand how there is still a balance on the account. I contacted Wells fargo dealer services on XX/XX/XXXX and was told they could not take payment on the account and that I would receive the title in 30-45 days I checked today and it still shows the lien has not been released.
Product: Mortgage

Due to XXXX, I fell behind in my mortgage payments and back ended {$46000.00} in payments. BSI Financial picked up the loan and put a partial lien on my house. On XX/XX/XXXX, the full amount was paid off through a cash out refinance loan. BSI Financial did not submit a release of the partial loan until XXXX of XXXX. 20 months after it was paid off. My refinance is now on hold because of their actions. I have asked for an explanation but no one is responding.
Product: Credit reporting

Dear CFPB, I contacted you awhile ago about a mistake on my credit reports. In XXXX of 2013 I decided to try XXXX XXXX for a XXXX month trial period. I paid, use their service ( while still keeping my account with XXXX XXXX open ) and found I did n't like it at all. I closed this account, paid what was a small bill since I paid the other bills beforehand. Remember, I never closed my account with XXXX so I never had to reopen this account. I told them to come and pick up their equipment. Never happened! Since I paid the last of the bill I owed, I assumed this was it. They said they would send someone out to pick up the equipment, and that never happened! Then I called again and they said they would send boxes to me to send their equipment back to them and it never happened! Just trying to tell you what type of company I was dealing with. I have worked hard at getting my credit reports clean and paying all bills on time and mind you, never making the minimum payment. As you can see if you check my reports. Everything is paid on time if not before time. I found this on my credit report last year! Was shocked to see a {$67.00} bill on there from them since I paid the last of their bills many, many months ago! I have tried to no avail to get this removed from my reports. Calling XXXX, sending them emails, etc. I have also disputed this many, many times with the credit reporting agencies to no avail. I finally gave up and paid a bill that I DID NOT owe. I just wanted it removed from my reports since I have worked so hard to get where I am. ( all of their equipment : my wife, who broke her back before this, had to track through the mall with all of this heavy equipment to drop it off at a XXXX store. ) I do n't know where to turn. I just want justice. I ca n't seem to get anywhere with XXXX. I see many of these complaints! I just want this removed from my credit reports. They 've had all of their money ( plus more ) for quite some time now. There is no reason to do this to innocent people. I have been a customer of XXXX for many, many years and have never had a problem with billing. Please help me remove this from my credit reports. I feel I 'm being targeted because I did n't like their service. I get numerous advertisements in the mail from them to this day. If I had done what they accuse me of, I do n't think they would want me as a customer. If you need anything, please let me know. I have photos from my reports. I do n't care if I have prime credit cards, it 's the principal. They are just making me look bad in the eyes of creditors. This seems very unfair. Not good business practice. Thank you for trying to help the XXXX time, as a result, XXXX has removed this but Experian and XXXX have not. I have other screen shots but I 'm not sure I can upload anymore than XXXX. Please let me know if you need any additional ones. 
XXXX
Product: Checking or savings account

on XX/XX/2023, I went to Bank of America ATM in XXXX RI on XXXX XXXX. 

I took out {$300.00} but the ATM only brought out {$100.00}. 

I've contacted Bank of America several times about the issue, and nobody is helping me. 

They finally issued a claim number XXXX. 

They are literally going to take my hard-earned money I worked hard for. 

I have been with them for over 15 years, and this is so not fair.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX