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

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below XXXX the Collections that are being challenged XXXX XXXX XXXX  - XXXX
Product: Credit reporting

TransUnion set me a letter and provided a phone number : XXXX to " get more information on the public record ''. There is no way to speak to anyone at the number. It is only automated recordings that allow you to either get a copy of your report or buy products from TransUnion. The product offers are repeated multiple times and if you do n't buy one of the or accept the " free trial '', you are disconnected.
Product: Mortgage

I requested a forbearance in XXXX that was approved from XX/XX/XXXX - XX/XX/XXXX. I called my mortgage company to express that my financial situation has not changed and I wanted to extend the forbearance for the remaining 180 days. I was told that as of XX/XX/XXXX XXXX XXXX stopped giving extensions. I asked for documentation ( cfpb statement, mortgage document and/or literature from XXXX XXXX XXXX . I was given XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX. When speaking to XXXX XXXX I was informed that there was no such deadline and that I should be eligible for a COVID related forbearance extension. XXXX XXXX gave me instructions to have my mortgage servicer call their XXXX team so XXXX XXXX could assist my mortgage servicer through the process. My mortgage servicer refused to follow through with this and refused me the option and I would like to file a formal complaint relatedly.
Product: Credit card

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain about the cause of reports mentioning late payments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to get my free annual credit report online from Experian, but every time I try I get the following error message : We're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX.
Product: Debt collection

On XX/XX/year> I sent a certified letter to LVNV Funding LLC, for debt validation. In the letter I asked all future correspondence be done in writing. On XX/XX/year> I started receiving emails from XXXX XXXX services on the behalf of LVNV Funding LLC, trying to collect the debt they are saying I owe. I have not received anything in writing validating the debt.
Product: Checking or savings account

I hope this message finds you well. I am writing to formally lodge a complaint regarding the recent experience I encountered while attempting to open a XXXX XXXX Checking account for my XXXX through Capital One. 

During the second step of the account opening process, I was prompted by Capital One to provide additional information. Concerned about the request, I promptly contacted Capital One for clarification today, XX/XX/year>. To my astonishment, I was informed that Capital One had unilaterally terminated its banking relationship with me. 

Moreover, when I sought an explanation for this abrupt decision, the attending agent informed me that XXXX XXXX, as a XXXX, was ineligible to open a checking account. However, the explanation provided was terse and lacking in detail, leaving me with more questions than answers. 

Allow me to provide some context : I hold a XXXX XXXX that requires a thorough background check. Throughout my professional career, I have maintained an impeccable record, devoid of any instances of fraud or involvement in any public records. Therefore, I find it deeply perplexing and concerning that I have been flagged as a red flag by Capital One without any clear justification. 

In light of the foregoing, I respectfully request your assistance in two matters. Firstly, I kindly ask for a comprehensive explanation regarding the rationale behind Capital One 's decision to terminate its banking relationship with me. Clarity on this matter is crucial for me to address any potential misunderstandings or rectify any issues that may have led to this decision. 

Secondly, I implore your support in resolving the impediment that prevents my XXXX, who is XXXX XXXX old, from opening her account. It is imperative for her financial literacy and future financial planning that she has access to appropriate banking services at her age. 

I trust that you will treat this matter with the seriousness it deserves and provide a prompt and satisfactory resolution. Your attention to this issue is greatly appreciated, and I eagerly await your response. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX apartments made up amounts to charge us when we moved out. My attorney sent them a letter with no response. XXXX then sent the bill to collections. I contacted them and uploaded the letter with no response. Then collections sent it to the XXXX credit bureaus. I am currently trying to dispute the charges with the three credit bureaus. I have provided my attorney 's letter and pictures of the unit. 
Please respond. 
Thank you XXXX XXXX
Product: Debt collection

This company is showing up on my credit report. I have no idea who they are and theyre reporting negative information a collection on report. I have disputed it with the credit bureaus and it came off one agency. I requested a debt validation from this company or remove it from all credit agencies its reporting to. It shows where its removed from my XXXX report but its still there being reported. It hasnt been removed
Product: Debt collection

There are three attachments. My attorney handled this dispute. The debt was paid in full. My attorney sent a cease and desist letter to the original debtor XXXX in XX/XX/2023. There has been no response. XXXX sold the paid debt to Credit Management Company ( attached ). Credit Management Company after being contacted by myself and XXXX, refuses to remove the debt from my credit file. 
XXXX has made the correction ( attached ). 
My attorney says credit collection agency 's sell accounts back and forth, for cents on a dollar. 
This situation is very clear and straight forward. It is not a he said she said. There is an legal agreement, and a tracible check negotiated by XXXX in consideration for the debt being paid in full. 
Please have this removed immediately, from my credit report. 

Thank you,
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was sent an email stating that accounts have been closed. I spoke with XXXX in the MCA Management office and she stated everything had been cleared. However, even after contacting the bureaus they are still showing on all 3 reports.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXXXXXX  under XXXX c fcra adverts inclusion block
Product: Mortgage

A few months ago the servicing of my loan was transferred from XXXX to XXXX ... in almost 3 years there has never been an issue with making a payment which is sent via my bill pay every month. Once the servicing was transferred, the are suddenly having an issue receiving the payment and now they are assessing late fees when payments are sent before the final due date. The payment is mailed on the 12th every month for almost 3 years with no issue until XXXX took over. They assessed me with a late fees and I contacted them via phone a few weeks ago and was assured by a phone rep that no late fee would be charged. Now I have my coupon and there are late fees. I sent a request to them to retract the late fees on XX/XX/2019 and they responded today with we are unable to accommodate your request to waive your late fee. The payment for XXXX was received on XX/XX/2019. 

Again I want to reiterate this has NEVER been an issue until XXXX took over. 

Please assist as they want over {$70.00} in late fees ( please see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.
Product: Credit reporting or other personal consumer reports

In accordance with USC FCRA 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with XXXXl XXXX auto finance I refinanced the auto with XXXX XXXX XXXX XXXX who paid XXXX XXXX auto loan off and received the title however my credit report for Experian showed the loan as a charge off account I disputed the information and provided proof from XXXX   XXXX auto that the loan was in fact paid off with no balance r title received however Experian refuses to correct the account to paid in ful XXXX balance evpwrian continues to note the account as a charge off which is seriously effecting my credit
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and obsolete personal identifiers from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit report, I noticed the following personal identifiers that are either incorrect or outdated : XXXX. Old or incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX. Incorrect addresses : XXXX XXXX XXXX XXXX, Florida XXXX, XXXX XXXX XXXX XXXX, Florida XXXX
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Money transfers

Paypal recently gave me a credit line of, I believe, {$600.00}. I have no intention of using it, but I suppose it 's okay to have. 

I recently ordered tea online for {$16.00}. I knew that I had a balance -- I even checked it -- of {$17.00}, not credit but actual funds I had leftover for some reason and so I used my Paypal account to pay for the order. 

More recently a friend paid me back for dinner and drinks a week or so ago. In attempting to send them a request for the money, to make things easier, I noticed that I had a " payment '' due for the online tea purchase. I was annoyed that the {$17.00} balance had n't been used. Instead, Paypal chose to apply their credit line to the order, something I was never asked about or approved. 

Now, I 've apparently missed the due date for the {$16.00} payment and I see that they 've added an additional {$16.00} " late fee. '' I received no paper statement, no email statement and no text message alerting me to the supposed due date and therefore missed it. When I had noticed it I made a mental note to address it but I apparently waited too long. 

Now, in attempting to call the bank that supposedly handles the credit line, because it is n't Paypal proper, I get a run around as a recorded voice verified that I was human with two super basic questions and then informed me that I could call back in 24 hours. I then attempted to call Paypal only to be told that " the current wait time is ... one hour and four minutes. '' This is another predatory bank stealing " late fees. '' I intend to contact a human operator, have them rescind the charge and then close out my credit line and Paypal card. I do n't need this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the Department of Education and XXXX my loans were sent to XXXX my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 got XXXX points when I have a XXXX  balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses are not mines accounts
Product: Debt collection

XXXX XXXX  XXXX sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same Discover debt. This money should be barred according to NYS law.
Product: Checking or savings account

On XX/XX/2021, BBVA absorbed its subsidiary Simple Bank. In the preceding months, BBVA assured me that the transition would be smooth, and that on XX/XX/XXXX I would be able to quickly set up online access to my account. That simply did not happen. 

On XX/XX/2021, I called both Simple and BBVA to try to set up a BBVA mobile account before the XX/XX/2021 hard transition. I was told by a representative of BBVA that Simple customers would not be able to set up a BBVA mobile and online portal before the XX/XX/XXXX switch. The representative also informed me that I would not be able to access my Simple account after XX/XX/2021 at XXXX XXXX 

On XX/XX/2021, I attempted to set up a BBVA mobile account, and received an error message. After repeatedly trying to set up the account, I called customer service. At this time I could not check by balance through BBVA or access my account through the Simple App, I seemingly had no way to access my account. On this call, the customer service rep stated that the issue was that BBVA had created 2 accounts for my bank account and that was what was causing the error. They assured me that the problem would be rectified by the afternoon. It wasn't. 

That afternoon I again attempted to create my BBVA account, and again I received an error message. I again called BBVA 's customer service line, and waited on hold for more than 30 minutes without an answer. I tried to create an account again later that evening without success. 

The next day I called BBVA at least 5 times, and waited on hold for more than 3 hours cumulatively. I tried different BBVA supplied customer service numbers. On one, I got a message notifying me that BBVA 's customer service line was closed until Monday. On another, a representative seemingly picked-up, claimed that they could not hear me XXXX before I even had the chance to say hello ), and then hung-up. Finally, I got through to a representative, who had to reset my account multiple times before I could finally gain access. As part of that process, I was informed that, in order to have the representative perform that action, my account would be locked for 24 hours for " security reasons '' and that I would not be able to make deposits or withdrawals from the account. 

While I now have access to the account, and, to my knowledge I have not incurred any fees or lost money as a result of this process, I wanted to submit a complaint due to the manner in which I've been treated by BBVA, and because I have seen reports of other former Simple customers that have been charged fees, or lost money as a result of this process.
Product: Credit card or prepaid card

I filed a dispute with Paypal for unauthorized transaction on because my card was stolen. I was told I would hear back from them within 9 days. Later I was told that the dispute was closed in my favor. I never received the funds for the dispute, and I also requested credits. I called Paypal XX/XX/22 and they transferred me around for almost 2 hrs and then proceeded to hang up on me without solving my issue or crediting me. Paypal has not followed the billing error procedures. If Paypal can not make this right I want the pursue arbitration for breach of contract and breach of warranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX 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 XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has dropped my credit score over sixty points in XX/XX/2018 for reasons unknown to me, they are completely lopsided from other credit reporting agencies, I have not been given a satisfactory reason for this, I am still using credit on a regular basis, I'm just not applying for any credit cards or using any of their offers, I wouldn't be so concerned if all the credit agencies were closer on their findings or for the fact that I dropped so many points at once with this agency, there is over a sixty point difference from XXXX, I would just like to know why it dropped so much so fast. 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dates from XX/XX/XXXX to XX/XX/XXXX. They have refused to give me my money back! I have called them on XX/XX/XXXX, on XXXX XXXX and XXXX, 2021. I am getting no relief from them.
Product: Debt collection

Beginning on or about XX/XX/XXXX services were rendered and a prior authorization had been performed. There were services covered that I paid for, which created a debt owed back to me of {$160.00}. There were many phone attempts to resolve. I was instructed that XXXX the billing manager had made an error. Her response was she never dealt with XXXX XXXX XXXX before. It appears that corporate XXXX XXXX does not communicate with this office. I received many notices by mail even after her admission of her error. This has now been sent to there collection agency. Whereby I have disputed this bill again.
Product: Checking or savings account

Hello, this is regarding a promotion at Citi Bank with opening a checking account and in addition a savings account for 2 promos that was originally {$600.00} on the coupon mailed to me that I bought in to the XXXX XXXX, XXXX NY Branch on XX/XX/19 with XXXX the bank attendant where I deposit {$15000.00} in a savings and set up some direct deposits which was all completed and verified by them ( all confirmations on Citibank Messages ) and once all is met 90 days later they will begin to process my {$600.00}. Now each time I asked for an update at the branch they would tell me oh yes you didn't receive it yet ( XXXX and the bank manager lady ) and they will say that I will be receiving the {$400.00} by tomorrow where I would immediately stop them and correct them that it was {$600.00} then they would verify on there computer and agree. After reaching out to the branch every 3 days to complain and have them tell me that I'll see the funds in my account the next day, next day, next day and still getting the amount wrong when i asked them I realized they were playing some game with me and that's when i decided to just deal with customer service which after talking over the phone and getting the run around after they agree it is {$600.00}, then someone else later saying it was {$500.00} another {$400.00} then back to {$500.00} I agreed to take {$500.00} and end this. Since I haven't received the funds on the time/date customer service promised me several times and they stopped answering my call as if they have caller id i had to go on XXXX   through the XXXX   XXXX. At first it seemed as if i was getting there and later to go through the whole circus act all over again with them. Now what they do with me and have done several times is each time I call they verify all and open up an investigation every time, a new investigation to then find it all good to send me the money to never receive it to opening a new investigation. I have all the conversations of this on the citi bank app and can send it to you.
Product: Credit card

I recently discovered that my personal and financial information has been shared without my consent. I did not authorize this disclosure, and it appears to be a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.