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

I am writing to formally dispute an incorrect entry on my credit report regarding my account with XXXX XXXX XXXX My credit report inaccurately reflects a missed payment, whereas I have made all my payments successfully and on time. This incorrect information is negatively impacting my credit history, and I kindly request that it be investigated and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I am requesting that this erroneous late payment be removed from my credit file to reflect my actual payment history accurately.I request written confirmation once this matter has been resolved. As well as deletion of this from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

When I attended school I feel I was mislead into obtaining loans that I did not need but being a single mom of XXXX and struggling financially I felt taking a loan out at that time was my only option. Now I am struggling to pay back the loan which has changed hands from XXXX to Mohela and or Aidvantage.
Product: Credit card or prepaid card

FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. 

THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.
Product: Credit card

I purchased a service on XXXX the XXXX and I was promised a guarantee with this service. After failing to provide that I opted out to cancel this service. The merchant declined with no reason. I then reached out to CITI to file a dispute. I provided them documentation showing the guarantee. I have tried multiple times to resolve this but the merchant has no interest in solving this dispute. 
Thank You!
Product: Mortgage

I have been trying to no avail to have Selene finance address my concerns. They have not applied payments that I made, they have continually refused my payments, all I want is for them to go over my account and fix their errors and take my payments, there is no need for this unless they are trying to foreclose on my home without good reason. I have all the money I believe I owe them but if they don't go over the account or answer my questions I have no alternative but to come to you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

The addressed that are listed do not belong to me. I have never lived at any of those addresses that are posted on my credit report.
Product: Credit reporting

I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
Product: Credit reporting

I disputed a bankruptcy on my credit report. I have sent in 2 letters asking for verification of this account. I also spoke with XXXX in Texas on XX/XX/2017, and he informed me that they completed the investigation but he could n't tell me who did it he said it was done electronic and it was not his job to verify if it was valid or not. He also informed me that they will not reinvestigate this ever again.
Product: Debt collection

On XX/XX/XXXX, I turned in my keys to XXXX XXXX XXXX, which was owned by XXXX XXXX XXXX at the time. I provided my forwarding address and took photographs of the property to document its condition upon move-out. However, I never received any correspondence or statements from the property management. 

On XX/XX/XXXX, I unexpectedly received a statement showing charges for periods after I had moved out, as well as costs for renovations that were allegedly done to the property. In response, I sent a certified letter requesting further details and also visited the property in person. During my visit, I learned that the property had been sold to new owners, and there was no way to contact the previous management, XXXX XXXX XXXX. 

Shortly after, I began receiving calls from Hunter Warfield, a collections agency, regarding an outstanding balance of {$24000.00}. Despite my efforts, I have been unable to contact anyone who can provide clarity or help resolve this matter. 

This situation has been extremely frustrating, as the charges appear to be incorrect, and I have no way to dispute them with the original property owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore me
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Credit card

XX/XX/XXXXWe opened our account a few years ago with Walmart. We paid consistently on our account until we lost our house XX/XX/XXXX. We made contact with the credit card company ( synchrony bank ) and they said there was noting that they could help us with unless I had lost my Job. They called our house several times a day/night and would leave messages on our voice mail almost every time, they would also call my cell phone multiple times a day and leave messages on it. We started to get things back on track, then my father passed away XX/XX/XXXX, again we made contact with them and again they said there was nothing they could do unless I had lost my job, even with the insurance that I paid for that the credit card company provided. Again the calls continued 2, 3, and 4 times a day at my home and on my cell phone. We told them to stop calling us and harassing us and they ignored us. We then received a letter from the credit company saying that they needed payment or that they were going to take us to court. We agreed to pay {$25.00} a month. Then we received a court notice saying that they needed a letter, explaining in written what we owed with in 21 days. I guess that the card company does not keep agreements that they say they 're going to keep. I have learned that there is a government agency that helps consumers with companies that abuse Federal Regulations such as the Dodd-Frank, The FDCPA, The FTC, The TCPA and The TILA called the Consumer Financial Protection Bureau. This letter is also being sent to them XXXX. 
Consumers should not feel threatened by big companies calling multiple times a day and that have XXXX Attorneys to intimidate the little people. We agreed to pay {$25.00} a month on our account of {$1300.00} and that 's what we 're going to pay.
Product: Credit card or prepaid card

FORTIVA CREDIT PROTECTION REFUSES TO SEND REQUIRED DOCUMENTS TO ME SO THAT THEY WILL HAVE TO PAY OUT FOR THE 6 MONTHS AS REQUIRED IN MY SERIVICE WITH THEM MY CREDIT CARD COMPANY HAS BEEN ASSISTING WITH OTHER FEE 'S BUT THERE IS MORE TO BE DONE I SEE AN ADDITIONAL XXXX THAT IS OWED TO ME. 


XXXX MINIMUM PAYMENT X6
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against PayPal. Specifically, I am trying to get refunded for the {$3600.00} that was stolen from my account on XX/XX/year>. Here is what happened : On XX/XX/year>, someone hacked into my XXXX account. 
After gaining access, they ordered seven XXXX  and had them shipped to an industrial park in Florida ( I live in Ohio ). The XXXX # and XXXX XXXX in the address are not real. Here is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Out of the seven XXXX that were ordered, I was able to cancel three of them directly with the sellers on XXXX. Unfortunately, the other four were shipped and delivered via XXXX on XX/XX/year>, costing me a total of {$3600.00}. 
o My PayPal account was linked with my XXXX account, so this is where the money came from to pay for the XXXX 
o At the time, I had {$1600.00} in my PayPal account. This was wiped clean to pay for the four XXXXXXXX leaving me with a negative balance of {$1900.00}. 
I was informed by XXXX that my financial institution ( PayPal ) would reimburse me for the fraudulent transactions. They said its typically an easy process. 
Unfortunately, after filing a claim ( XXXX ) and several appeals, PayPal refuses to reimburse me for the {$3600.00}. In fact, they have sent me to collections for the balance that is owed to them.

I think that it is incredibly unfair that I am responsible for the fraudulent transactions that happened in my PayPal account. My hope is that PayPal will reimburse me for the {$3600.00} that was stolen from my PayPal account. 
o From PayPals user agreement ( https : //www.paypal.comXXXX XXXX XXXX XXXX, it says that PayPal will cover you for the full amount of the unauthorized activity o From my independent research, it also appears that financial institutions are required to reimburse their customers for fraudulent activity when it is reported in a timely way ( which I did immediately ). 
Here are the reasons PayPal gave me for denying my refund : o We are unable to accept your claim XXXX XXXX XXXX account use. After a thorough review, we have found no indication that an unauthorized party initiated the activity.

o I have loads of evidence, including from XXXX, showing that my account was taken over ( ATO ), using PayPal to pay for the XXXX XXXX  that I never received. 
Here is a list of the attachments : o Police Report that I filed on XX/XX/year> o Message from XXXX saying there was unauthorized access to my account on XX/XX/year> o Another email from XXXX stating the XXXX transactions have been flagged for fraud o Message from XXXX showing ATO from the XXXX XXXX on XX/XX/year>. 

For resolution, I am hoping PayPal will reimburse me the {$3600.00} that was stolen from my account and stop sending me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX and Experian ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title..XXXX and Experian Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a SaksFifthAvenue / CapitalOne store credit card which I never applied for. Since I already had a CapitalOne card, I believed it was kind of promotional item and I never activated or signed it. On XX/XX/XXXX, I suddenly received a bank statement showing {$4800.00} on this card. The purchases were made on XX/XX/XXXX in XXXX NY store, which was the same day the credit card was opened. On that day, I was working in MA on my company laptop. I immediately reported to Capital One and asked for fraud protection. At the same time, I had my credit reports frozen via 3 credit bureaus. Capital One then sent me forms to be filled in and requested my IDs. After several weeks, on XX/XX/XXXX I received a letter from Capital One saying they believed I opened the card and benefited from the transactions. I called Capital One again on XX/XX/XXXX and waited for nearly 1 hour while they kept transferring me to different people, and finally I was told this case was closed and I need to fax them my IDs or a police report to request info. regarding the account and purchase. I filed a police report and I'm reporting to XXXX.
Product: Credit reporting

I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.
Product: Checking or savings account

In late XX/XX/year> and early XX/XX/year> Associated Bank closed my account despite me having an open dispute and being an excellent customer for XXXX plus years. 

I filed a dispute and provided documentation in regards to XXXXXXXX XXXX  stating that I had to contact my bank to receive my money bank. Associated Bank never responded to my dispute and never gave me my money back which amounted to at least {$1000.00}. 

Associated Bank discontinued my access to any prior account information despite me filing XXXX complaints and providing information from the company stating I needed to contact my bank to get my money back, Associated Bank isn't out any money as this is my money that is owed to me. Associated Bank has had months to make this right and has refused to do the correct and proper act in returning my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I have used Xoom XXXX Service, Transaction No XXXX to internationally transfer funds to XXXXXXXX XXXX. The XXXX produced a report that transaction failed due to Recipient Account Invalid. 
I contacted the receiving XXXXXXXX XXXX to find out the root cause. I was informed that XXXXXXXX XXXX couldnt locate the transaction in their system. They requested me to have XXXX provide funds transfer XXXX report which could assist them to further investigate the issue. 
I requested XXXX multiple times to provide the docs which would assist in investigation. XXXX has so far failed to provide me the report despite multiple reminders. There seems to be a deliberate attempt by XXXX not to provide the requested report. Its beyond comprehension when these transactions are all done electronically, why XXXX failed to share the relevant docs. Its extremely perplexing that Xoom XXXX Service is not cooperating to address the problem.
Product: Debt collection

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 : CREDENCE RESOURCE MANAGEMENT Account name : XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. 

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

I want to know if I would be able to purchase the property I sent a payment to all of the representatives involved I have a copy of my certified receipt for my maintenance and for the mortgage I walked into the WAMU bank on XXXX XXXX  close to my house I have mailed all of my past due maintenance payments with a corporate check from The XXXX XXXX, XXXX prior it becoming a preforeclosure. I called the attorney and to no avail. I was unable to contact him because his phone is disconnected. My credit is in such disrepair I'm unable to purchase a new home. Due to a disgruntled tenant, I had to mail the maintenance and mortgage payments directly through the post office with a green return receipt with a signature required at acceptance. Given the situation, it's crucial to gather all relevant documents and evidence of payments made. Next, consider consulting with a new attorney who specializes in real estate or foreclosure to help navigate the legal complexities. Additionally, contacting a financial advisor could provide guidance on improving your credit and exploring other options for purchasing a home.This approach ensures that all transactions are documented and legally binding. Additionally, maintaining a record of all communications and transactions can be beneficial if further legal action is required.This approach ensures that all transactions are documented and legally binding. Additionally, maintaining a record of all communications and transactions can be beneficial if further legal action is required. In the meantime, exploring alternative housing options, such as renting or co-living arrangements, may provide temporary relief while working on improving your credit. The XXXX XXXX XXXX for the full balance due on the mortgage was I made XXXX payment {$1500.00} {$1500.00} ( XXXX ) in the XXXX XXXX XXXX  on XXXX XXXX XXXX including the maintenance if i'm not mistaken. I will send some of the certified receipt from the post office XX/XX/year> Check # XXXX {$5500.00} sent certified return receipt Please remove the credit complaint against the XXXX XXXXXXXX XXXX XXXX XXXX I wanted to remove the credit issue I have please help me with this I m so baffled the remaining balance on the maintenance should be a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I contact customer service and the refused to take care of the negative inquiries reporting on my credit report. Please help me get this matter resolved. 

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

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. State Of XXXX/ Collection Unit ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.