23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used my PayPal credit card to purchase a train ticket which I couldn't use because thr name on the ticket was wrong and couldn't use it because they required my ID name matched the ticket name. When I sent all that information to PayPal they still refused to refund my {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, XXXX and XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file Lexis Nexis has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Lexis Nexis has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of the following accounts on my consumer report file XXXX XXXX Accounts XXXX Open XX/XX/XXXX Accounts Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX
Product: Checking or savings account

I was scammed by a subscription service that required payment prior to accessing the service. It started around XXXX XXXX XXXX  and I was charged for the service until about XXXX. I was scammed by XXXX  and the scam was mishandled by my financial institution, Capital One. I provided my payment info and proceeded to try to use the service. That is when I was given the message that I have " no active subscription ''. But, my card was still charged by the company, not once, but TWICE per month for a subscription that I was never actually given access to. I was unable to " cancel '' the subscription since the account did not reflect me having one. Yet, I was still being charged for service I was not receiving. I reached out to the email provided by their website and never received a response from the company. 
I attempted to file a dispute with my bank so that I could be refunded. My claim was denied not once, but THREE separate times. I explained the situation each time to whatever representative I got on the phone and I was told that they understood the problem and I just had to wait for the claim to be approved. I even emailed them screenshots with proof of not having any access to their service. After the 30 day waiting period, I received a notification from Capital One telling me that the claim had been denied on the grounds that I agreed to the terms and conditions provided by the seller. I would call my bank back and explain each time that the terms and conditions do not cover customers being overcharged for a service that they are not receiving. Each time I was told by the representative that they understood and were unsure of why it was denied. Only to wait 30 days and have them deny my claim again. I was charged {$56.00} for services that were then withheld from me. I found their XXXX page which actually has another review of a customer with a very similar complaint. 
There is no reason my claim should have been denied the first time since this is an obvious fraud, much less being in favor of the scammer THREE separate times. The explanation that " I agreed to the terms and conditions '' does not even address the problem mentioned in my claim, that I was being charged for services that I was not receiving access to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX XXXX XXXX  ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - GLOBAL LENDING SERVICES LLC ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX, who informed me that the reporting income was tied to an employer, XXXX XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Product: Mortgage

I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect personal information reported by TransUnion on my credit file. The following names are inaccurately listed under my profile : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX, XXXX, XXXX. My correct legal name is XXXX XXXX. Additionally, the following addresses are incorrectly associated with my credit report : XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX, XXXX, TX XXXX. My correct and current address is XXXX XXXX, XXXX, TX XXXX.
Product: Debt collection

False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.
Product: Credit reporting or other personal consumer reports

I received XXXX hard inquiries on my credit profile that were unauthorized by me there were XXXX from XXXX  XXXX and XXXX from XXXX  XXXX  company I contacted the credit card companies involved as well as the credit bureau and the credit card company agreed to remove the inquiries but Experian has yet to remove them
Product: Debt collection

Dear Madam/ Sir, CFPB : This is in regards of an Unknown debt collector that is in my credit reports files. And it is not mine and does not belongs to me. This unknown debt collector has damaged my credit and is reporting false information on my credit report. This is a fraudulent activity and they are stilling from a third party Bank. As Stated on my XXXX credit report agency. And this unknown and false collector is committing an act of FRAUD. They keep calling me every other day and living voice telephone messages on my telephone, harassing me and threatening me. I request this debt collector to take out this debt that is not mine and does not belongs to my self from my 3 credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX Off my credit report because it not my account. I wrote letters and e-mails that this wasn't mine. If you pull up my credit report you can see that I pay all my credit card bills on time without a problem. I'm sending you this complaint because I needed to apply for a parent loan for my son that's in college. I don't know what to do but tell my son he has to come home because they won't delete this from my report after I sent in several letters. I do have proof that I sent it online but I know longer have copies of the mail in letters due to a house fire that I had
Product: Credit reporting or other personal consumer reports

An unauthorized credit inquiry was requested/posted yesterday XX/XX/year>. Please see below information of the requestor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I truly believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern on XX/XX/2024 I called in to specifically. to speak with the Fraud Department which as a consumer who has an identity theft report on file!! I have that right as my file is handled by a specialized team!! The agent was very rude, I hope that all calls are recorded and I hope that a Supervisor will listen to this call the call ended at XXXX XXXX  PST when the representative hung up on me and REFUSED to provide the customer service that I asked for!! This is a very serious matter!!! As I have XXXX bankruptcies appearing on my credit report that are not mines!!! You cant even legally file that close together so they should know this is an error of a lie!!! Transunion has a copy of my police report, my identity theft report, all documents from the XXXX  Bankruptcy Court stating that they didnt verify anything!!! That Transunion violated 15-USC-1681, 1682, 1681A2B, Transunion is in Direct Violation of : 15-USC-1681nB - A consumer reporting agency knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.. 
yet its been proven that : Bankruptcy:XXXX  Bankruptcy : XXXX Does NOT belong to me!! Transunion stated verbatim they received this information from XXXX  Bankruptcy court I have documentation on file directly from the court house stating they never verified anything at all with Transunion as they dont at all verify anything with the credit bureaus therefore this false information that Transunion is reporting is fraudulent!! this is an error or a lie..! 
Nevertheless, I am demanding both of these fraudulent bankruptcies are deleted immediately!! I also have an FTC on file as well as a police report Transunion has the documentation as I have been in full cooperation yet they are refusing to delete it! Also they have horrible customer service!! I sincerely hope that a supervisor will listen to that call, I even asked for a supervisor call back and the agent hung up in my face!! How rude, an awful reflection on Transunion as a company to hire such disrespectful agents I am demanding that these bankruptcies are deleted immediately!! I also am requesting a supervisor call back my number is : XXXX If this fraudulent information is not deleted immediately!! I will contact my attorney this is not mines and I have sent everything in its no way they could be honestly doing their job because they will not its not mines legally you can not file bankruptcy that close together!! Please please delete these fraudulent bankruptcies at once! I have also enclosed a screenshot of how long the agent and I were on the phone!!!! 
15-USC-1681b, 1681, 1682, 1681A2B Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva Credit Card, a division of XXXX XXXX XXXX XXXX, reported that I was 30-days past due. On or about XX/XX/2022, the undersigned cardholder contacted Fortiva 's Customer Service department to inform them that they had inaccurately reported information to the national credit bureaus. The undersigned spoke with a Customer Service Manager who agreed that their information was inaccurate, and requested the national credit reporting agencies remove all negative information from the undersigned 's personal credit report. On or about XX/XX/2022, the undersigned reviewed his credit score. The undersigned 's credit score had fallen by XXXX points as a result of incorrect information that XXXX XXXX XXXX  had reported, which resulted in the undersigned 's credit score rising to XXXX. In accordance with the recorded conversation with a Fortiva manager who stated that she had sent a request to the credit bureaus to correct all negative information reported by Fortiva. Today, despite their contractual agreement to correct ALL negative information while the undersigned remained on the phone. Fortiva 's Customer Service Supervisor ( who reports to the Customer Service manager ) *refused* to correct the negative information that appears in two ( 2 ) fields of the undersigned 's personal credit report. One of the two fields was corrected, but the Customer Service supervisor refused to correct the 2nd incorrect field that was reported to the national credit reporting agencies ( CRA ), however, today, XX/XX/2022, Fortiva reported, or failed to correct, all of the information the disputed items during the XX/XX/2022, agreement. The Customer Service manager refused to listen to the undersigned because the undersigned had stated that he is an XXXX, and that the dispute between the parties had been resolved on XX/XX/2022, and that if Fortiva would not correct the negative information pursuant to the XX/XX/XXXX agreement, he would file an administrative complaint to Fortiva 's federal regulator and/or file a lawsuit against Fortiva for breaching its agreement and its knowing violation of the FCRA by reporting information that Fortiva had agreed to remove, which resulted in a denial of opening a new credit card. 

The undersigned had applied for a credit card yesterday, and was denied solely because of the undersigned 's credit score. Because the undersigned had reviewed his credit score on XX/XX/2022, his request for credit was denied because of the lower credit score caused by Fortiva 's breach of contract, discussed above. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Florida XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX, XXXX Va. I financed this vehicle through XXXX XXXX XXXX. XXXX repossessed my vehicle and sold it XX/XX/XXXX. In XX/XX/XXXX, I received communication that the final balance due on the note was {$9500.00}. In that " Explanation of Calculation of Surplus or Deficiency '', the original Aggregate unpaid balance as of XX/XX/XXXX was {$32000.00}. With this agreement, the company wanted me to continue paying the $ XXXX/month to settle the account. After paying one payment, this arrangement did not work as I did not have the extra income to cover the {$730.00} and pay new transportation expenses. In XX/XX/XXXX, I contacted the company again in an effort to resolve the balance. The new Deficiency went to {$16000.00}, and somehow my original aggregate unpaid balance increased to {$38000.00} ; additionally all the amounts due changed. As the balance increased, I disputed the balance and XXXX fixed the amount due. I made one payment and the company would not provide a receipt. After this the reported amount due on my credit report increased to {$20000.00}. My last attempt to resolve this was XX/XX/XXXX ; my letter states a settlement amount due of {$6900.00}. After again making one payment, XXXX increased the balance due reflected on my credit report to {$20000.00}. I would like to resolve this account but am unable to as 1 ) the balance continues to change regardless of my written agreements with the company and 2 ) XXXX  is unable to provide a written receipt or any documentation for payments received.
Product: Credit card or prepaid card

I opened the Lowe 's account some years ago and paid the bill as required. Last year account was closed unexpected. I received a call and letter from person in Georgia stating the account was reporting to their credit report. I contacted XXXX and Synchrony Bank and provided SSN and copy of driver 's license and notified them of the error. Neither company has returned an answer to the letters sent to them over the past 3 months and I have been getting harrassing letters from the guy in Georgia who Lowe 's company is reporting on his credit.
Product: Checking or savings account

Initiated contact with Bank of America ( BOA ) on XXXX XXXX regarding 5 ATM transactions and 5 teller withdrawals that were made on my checking account in the state of New York. My account is in Missouri. The total amount of these transactions plus fees is {$29000.00}. From discussion with the Bank of America fraud department it appears someone was able to log into my account and request an address change and ordered a new ATM card. They used the new ATM card to withdraw funds from different ATMs and Bank branches. These transactions occurred between XX/XX/XXXX and XX/XX/year>. BOA fraud department personnel told me two separate fraud reports would be filed. One for the ATM transactions ( 5 for a total of XXXX ) and a second one for the teller transactions ( XXXX for a total of {$28000.00} ). I also filed a police report with the local police department where I reside. I would like a copy of the fraud reports indicating what action BOA intend to take to resolve this fraud.
Product: Credit card or prepaid card

Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?
Product: Credit card

Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help