23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was an ongoing dispute with Discover about a {$500.00} charge on my account for almost two years. I paid the account while it was in dispute then Discover repeatedly removed and put back the charge for two years. During this time they added multiple late fees and interest charges to this charge, even though they claim they don't do that to disputed charges. I requested my account be closed and they owed me money since I had overpaid for everything while it was in dispute. However they never sent me any money. 

Finally in XX/XX/XXXXXXXX  they agree that the charge was fraudulent and sent me a notice saying so, several months after my account was closed and they never sent me a ) refund check for the overpayment b ) my cash back rewards. Since my account was closed I could not log in to check my overpayment status and when I called they could not give me any information and told me someone would call me back and they never did. 

Today XX/XX/XXXX they decided to list my account as a charge off on the credit bureau even though I have had a negative balance for the last 7 months as they owed me money. Now they are saying I have a {$10.00} past due balance even though they still owe me money. The transactions listed are late fees that should have been removed and it looks like they used my cash back rewards without my consent to go to any fees for late fees and whatever bogus transactions they added to my account. The current transactions listed for 6 months ago do NOT match the old transactions. 

THIS ACCOUNT WAS IN PERFECT STANDING. IT IS NOT A CHARGE OFF. DISCOVER OWED ME MONEY AND ADDED LATE FEES AND INTEREST TO A BOGUS CHARGE FOR MONTHS, REFUSING TO INVESTIGATE THE FAKE CHARGE. THIS IS DISCOVER 'S DESPERATE ATTEMPT TO MAKE MONEY OFF SOMEONE WHO NEVER PAID LATE OR CARRIED A BALANCE IN THEIR ENTIRE LIFE. NOW THEY ARE STILL TRYING TO MAKE MY ACCOUNT LOOK BAD. 

Please investigate this and have Discover correct the account and send me my check. 

Please be advised THIS WAS THE THIRD FAKE CHARGE TO MY ACCOUNT WITHINT ONE YEAR and Discover also refused to investigate the first two, forcing me to pay them.
Product: Credit reporting or other personal consumer reports

Experian. In XXXX I put a Credit Freeze on all three credit bureaus. Unfortunately, it seems someone has unauthorized access to my Experian account and can control when my credit can be frozen and unfrozen. Present day, XXXX  Experian has not been very helpful in helping me regain control of my account. I have a ticket open with them that they haven't responded to, and all of their customer service phone systems are only automated and will not connect to an agent. 

I would like to be able to safely freeze and unfreeze my credit, or know if any other unauthorized actions have been taken against my account, but Experian will also not let me report identity theft or fraud without having login information to my own account.
Product: Mortgage

PROBLEM XXXX XXXX is planning on selling our home even thou we are working with XXXX ID XXXX " XXXX XXXX XXXX XXXX XXXX '' on a loan modification and representatives at XXXX have told us that we are currently under revue, however XXXX XXXX does n't seem to care about that and are still pushing hard for a foreclosure. I believe that they are violating California Home Owners Bill of Rights.
Product: Mortgage

On XXXX/XXXX/2016 My mortgage payment was submitted to Bank of America electronically on their Bill Pay web site from my Bank of America checking account to my Bank of America mortgage. 
On XXXX/XXXX/2016 My payment was refunded to my checking account and a late fee was assessed. I have called and asked for the late fee to be removed because the payment was sent and received and subsequently returned. I have made numerous phone calls and have been told the fee can not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Product: Debt collection

Today, XX/XX/XXXX at XXXX XXXX I received and email, stating that I owe {$760.00}. They gave me a number to contact and I have got no response. I do not know what to do.
Product: Debt collection

XXXX collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.
Product: Debt collection

To whom it may concern : I have sent several letters to Experian/XXXX to validate XXXX XXXX. I advised them at the time of purchase I was incarcerated ( see enclosed ). I also ask XXXX XXXX to validate the said account and have not heard back. 
Each time that I send Experian letter to inquire about this entry on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFED and that is was a joint account. 
I asked that Experian send me a signed copy that I agreed to this purchase. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry.
Product: Payday loan, title loan, or personal loan

World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!
Product: Money transfer, virtual currency, or money service

Paypal stole {$15000.00} dollars from me. 
Someone owed me {$15000.00}. 
To track repayment, in XX/XX/2017 I set up a new PayPal account related to the name of the debt. 
PayPal did not have an issue setting up this account, nor taking payments for the {$15000.00}. 
However, when I wanted to withdraw the money, they said that they are unable to allow me to withdraw it because the name didn't match my name. They suggested renaming the account and asked that I submit documentation - official ID, etc. 
When I did so, they permanently suspended the account. There is no option to receive the money or return it to the sender. In 180 days I'll " get a letter '' with no specifics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, STATE OF OHIO XXXX, IRS- INQURIES- XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  sc XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sc XXXX, XXXX XXXX XXXX OPENED  XX/XX/XXXX using my name at XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, DOB- XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX HOUSING AUTHORITY REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX BILL FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX FOR A MEDICAL BILL NOT MINE, SCDSS accused me of snap XXXX but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

Greetings I am reaching out because I recently received a notification that there has been a derogatory mark that has been included in my credit report by Reliant Capital. To start I have no direct or indirect knowledge or contract with this company for them to be attempting to collect an alleged debt. Additionally I did not receive a letter to dispute or deny this alleged debt which is a violation of the FDCPA. Another violation committed by Reliant Capital is the violation of 15 USC 1692c ( a ). This company did not have my prior consent to contact me, a federally protected consumer nor was there a judgement from a court of competent jurisdiction. As noted there has been an item added to my credit report meaning this company is in violation of 15 USC 1681b as there was no permissible purpose for the company to be reporting. Lastly if there is an arbitration agreement, there must be a meeting of the minds prior to any adverse actions being taken. I request that Reliant Capital be held liable for their unfair and deceptive practices and violations of federal law. Arbitration or filing suit will also be an option for me if no resolution is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft twice and then I was hit with third part creditors coming after me and trying to take me to court for bills I paid ten years ago and for some reason since I was effected by the breach i. Have experience not listening to me regarding a third part lawyer for XXXX which just showed up on my credit and I have been using XXXX my entire life so they are the only ones not listening to me after spending hundreds of dollars with post offices and ink and so on and so forth I thought I was finished finished fighting but this is for XXXX Im XXXX and can not afford to live never mind a bill I dont owe and effecting my credit I can not fight anymore Im too tired. Please help me they are the only credit company who has this listed and not listening to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX has viol

ated 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A collection company, XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX has placed a collection notice on my credit report. They state that it is a debt owed to PayPal. I do not owe any debt to PayPal. XXXX XXXX never contacted me about this debt. I filed a complaint with a credit bureau, and they reaffirmed the debt. I wrote a demand of proof letter, and they never responded.
Product: Credit reporting or other personal consumer reports

I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. XXXX XXXX also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and XXXX form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with XXXX and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that XXXX should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hi I had a captial one credit card that was closed due to a fraud listing on the account I received no notice or a replacement card for this account. I want this account fraud to be removed I want a replacement card and this account restored or given a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an adverse credit report from XXXX XXXX XXXX. I requested a copy of my credit report. Lexis Nexis gave me a url to use to get my credit report. The problem is that the url XXXX never came up. Several sites with the same url came up but I wasnt able to get my credit report from those sites. I believe Lexis Nexis is not activating the url I need. They said they were unable to verify my information. For the complaint I provided my name, address phone number and last four of my ss number. 

On the original letter I received from Lexis Nexis My Consumer Number is XXXX My Case Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am filling a complaint on CFPB. I am a victim of identity theft. The information listed on the FTC Identity Theft Report, which appears on my credit report, does not relate to any account ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Here is the ID FRAUD ITEMS TO BE REMOVED. XXXX XXXX XXXX, Opened XX/XX/XXXX. {$520.00} XXXX balanXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct or discard 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Truist to participate in the bonus that they are currently offering. I completed the 1 qualifying direct deposit of {$500.00} and I made 15 debit card transactions to find out that I wasnt even in enroll In the program. I had to go back to the branch to figure out what happened because I personally handed the Lady the paper I printed out online so it wouldnt be any confusion. I go into the bank for the manager to confirm with the lady that open my account she didnt even fill out the form along with entering in the code XXXX The store manager had to apologize and she filled out the paperwork Wednesday XX/XX/XXXX, When in fact I open my account XX/XX/year>. Every representative that I called prior to coming into the bank, and I called several times and everyone I talked to were all bilingual and seems to not understand what I was trying to say, keep me on hold for over 15mins and never came back to the phone. Overall the company is bad for business. Play way too many games. I log into my account today XX/XX/XXXX and Im overdrawn!!! Why? And how?? If I dont have the money why allow this transaction to go through?????. Im with XXXX XXXX & XXXX XXXX and I never had my account overdraw. I regret wasting my time and my gas running around trying to seek help. This has been a nightmare. Its like no one has any compassion or empathy to what I have gone through and its sad. Please Dispute justanswer payment of {$46.00} and honor my {$400.00} bonus either way it is what is is at this point i feel I was SCAMMED