23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have three late payments that were reported to the three bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that I am sincerely begging to have removed. Besides those three late payments I have been on time ever since and have not missed a single payment. I told them the reason I couldn't make the payments on time and told them I was having financial hardship during that time. My wife had just gotten out of the XXXX XXXX and we were in the middle of moving across country from XXXX to XXXX. I had to quit my job since we were moving and it was incredibly hard financially especially with XXXX babies. I have not been late since and have continued to pay on time since then and of course I will continue to do so. I had already contacted XXXX XXXX XXXX with a certified goodwill letter and email and they weren't willing to change the status nor help me.
Product: Mortgage

we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards
Product: Mortgage

Ditech ( run by former execs of XXXX Mortgage ) holds my HAMP approved mortgage. Account # XXXX. I signed the XXXX XXXX statement for good compliance, which reduces my principle by {$5000.00} in XXXX, and it was received ( certified mail ) on XX/XX/XXXX by Ditech. 
I called them for update or progress report on XX/XX/XXXX. Their report to me is that The Government has not Released the funds. 

Please help me understand, or follow up further. 

Thank you so much for your fine service in the past, and now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I attempted to get a credit score And open an account on credit karma and XXXX so that I can start building credit and both companies would not allow me. It said that something was possibly opened using my ssn or my information was wrong.
Product: Debt collection

Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine. 

Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past. 

The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.
Product: Mortgage

We went in to discuss the loan process. They ran our credit to tell us what we need to fix first. That was in XX/XX/2016. Now were being notified that we were denied a loan we never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a salary overpayment that was due when I left service at Internal Revenue Service. I never received documentation of the amounts owed but my refunds have been offset yearly since I left service in 2016. I have made several inquiries to the XXXX XXXX XXXX to get an accurate statement of any amounts owed and a breakdown of all funds that have been applied. I have tried to get this detail since as recently as a few weeks ago. I have recently seen this account come back on my credit report stating that the account is open and a balance of XXXX. The account is not an open account and was charged off back in 2016. The account should reflect a XXXX balance charge off. The historical data needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act convergent Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, Which Violates CONSUMER FINANCIAL PROTECTION ACT ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their Dispute Resolution Process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate actions for these violations.
Product: Mortgage

I recently bought a home XXXX XXXX XXXX XXXX XXXX was the mortgage company. They transfered service to SPS on XX/XX/2018, the day my first payment was due. I paid XXXX XXXX on XX/XX/18 but they didn't credit the payment, now SPS is harassing me for the payment. Instead of working this out between themselves they have harassed me. It is not my fault. SPS has the worst reputation for mortgage servicing. I have no confidence in either of these companies to step up to the plate and fix this matter. I paid on XX/XX/XXXX by cashiers check from my account at XXXX XXXX XXXX XXXX. Amount {$1500.00}. I am submitting proof.
Product: Credit reporting or other personal consumer reports

I have reviewed my report for the 3rd time. I submitted a letter to Experian on XX/XX/year>. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.
Product: Debt collection

Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.
Product: Checking or savings account

My Husband is currently overseas and not able to use his Wells Fargo debit card ending in XXXX. We called Wells Fargo today to try and get the issue resolved as we had already notified them online about his travel plans, but the representatives REFUSED to help us without him confirming the verbal password on the account. He did not recall even setting up the verbal password and they didnt even try to verify the account using a different method, such as confirming SSN or anything at all. They just kept saying that he would need to go into a branch ... .HE IS IN XXXX ! They were rude, they cut us off and talked over us and didnt try to help us at all. He doesnt have access to money while overseas now all because of Wells Fargo and the poor treatment of its customers. We spoke to 2 different individuals, 1 was a regular representative and the 2nd was her supervisor who actually HUNG UP on us! The call was on Saturday, XX/XX/XXXX around XXXX - XXXX PST. Please pull this call so you can listen to the way we were treated.
Product: Credit reporting or other personal consumer reports

I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) Experian, XXXX XXXX and XXXX are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.
Product: Debt collection

Portfolio Recovery is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to Portfolio Recovery. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Credit card or prepaid card

My problem is with Credit Karma they said I was approved for credit and I wasn't. The second problem I have with Credit Karma is they told me my credit score would not be affected by soft credit checks, another lie. My score has dropped drastically because of this action. I no longer look at credit Karma for help for fearing it might do more damage to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and th

e corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consum
er meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit card or prepaid card

I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due  date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.
Product: Debt collection

To whom it may concern This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not received any response. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B1 2. Company has also no/ permission to report anything using my information pursuant to 15 USC1681 4.
Product: Money transfer, virtual currency, or money service

I am XXXX  of a startup of XXXX established in XXXX, 2021 and have been using Paypal as their main payment option for providing XXXX XXXX XXXX abroad from XXXX. 
In 1.5 years of our XXXX  we have done total business of around XXXX USD from Paypal and around XXXX USD from all payment options. 
There have been 513 total transactions in this time period and very less disputes which got resolved successfully out of which many were fake disputes done by scammers. 

We help financially weak students in XXXX, XXXX countries and XXXX XXXX get good & cheap education from our academic rich experts who provide them online class support. 

Today I got an email stating my paypal id is permanent closed for violation of any norms but I can assure you with all my dignity that we never do anything which is unethical neither there have been any dispute or false activity done from our side. I think there have been some mistake from Paypal automated system which closed our account. 

We comply with all the government norms of our country, regularly pay taxes and have GST and all required and approved documents for running the business. We are ready to resolve the issue if there is some issue from our end to get this ban lifted.
Product: Checking or savings account

My account was closed and my money dissapeared for no reason I have a XXXX XXXX XXXX XXXX XXXX  and I need my money right away for bills I filed a complaint with the CFPB and the bank sent a letter that I can't access because they locked me out of my account but the subject of the letter said they were doing a " conversion '' of my account
Product: Credit card or prepaid card

My credit limit is XXXX and capital One has not increases my credit limit and has declined XXXX payment transaction due to my credit limit. 

After capital One decline payment transaction I did authorize XXXX to further charge my credit card due to the credit card limit and the notice from the bank that the transaction was declined on multiple occasions. 

The transaction is a fraudulent transaction and I didn't authorize this transaction after the payment was declined by Capital One Bank. 

Attached are the notices from Capital One that the transaction was declined due to the credit limit being XXXX. 

Capital One has not increases my credit limit and have allowed a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. 

Please see attachment. 

I have records all conversation with capital One regarding this matter under investigation.
Product: Checking or savings account

Hi! Chime which is my bank account had over 5 " UNAUTHORIZED " charges from the SAME PERSON AND SAME AMOUNT! CHIME DENIED ALL CLAIMS AND I got my purse and phone stolen in which I told chime. Can some please help me get my money back! I feel like identity theft happened and Chime doesn't care.
Product: Credit card or prepaid card

On XX/XX/2023 I made a payment of {$130.00} to Capital One credit card. It posted on the XXXX, however, my balance showed {$880.00}, but only XXXX available credit. I should have had {$110.00} available credit, because the money in my account was already reserved for the pending charges. 
I was told the pending charges had to be covered, that when they posted I would only have XXXX available credit. 
LIARS!!!!!!!!! 
The money was taken out and put in reserve once I made the purchase or paid a bill. 
In other words, Capital One is double charging me by removing money from my available credit AND then charging me again, once the transaction posts. 
They, once again, are stealing my money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obiligation under the Fair Credit Reporting Act ( FCRA } to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit agains Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable respnses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's action violated federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I called a student loan company that said they would help me stop garnishment of my paycheck for student loans. I was told to make a upfront fee to them. I paid over {$1500.00} to this company as stated in my bank statement it shows XXXX in Florida for the amounts of {$280.00} and there are six payments made to this company. As you can see this company is the same as 77 Elite it is the same address and location. 77 Elite stated I never made any payments and that is a complete lie because as you can see they are in the same address. I think this might be a scam and they just changed names. I have for the past year sent all documents requested but yet this company has not helped stop my garnishment like they said they would. This company has done nothing but constantly say they are working on it and need more documents. How much do you need. They were quick to take my money but have done nothing to help me. They are a scam.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF ACCOUNTS ON MY CONSUMER REPORT - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX  ) have all violated my rights. 

15 U.S.C 158+ section 602 A, states I have the right to privacy.

15 U.S.C 1591 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.. 


2 of the accounts are past the statue of limitations in the state of iowa. And the accounts are inflated and the furthest from truthful. 


and for XXXX and XXXX XXXX. My identity was stolen and these accounts were opened fraudulently. I notified them both.