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

During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on XXXX ( XXXX unauthorized inquiries ), Experian ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX you have reported 100 % perfect payment history on XXXX however my Experian consumer report needs to be updated for the month of XX/XX/year> as paid on time and or report as okay.
Product: Checking or savings account

On XX/XX/XXXX I wash charged from my Paypal account by XXXX for a subscription service I have not had since XXXX. XXXX quickly canceled the service after I called them letting them know this was inaccurate. Payment was canceled by XXXX and no goods were sent to me. 
I filed a dispute with Paypal because the payment has posted. Paypal claims that the charge was valid and denies my request for a refund. 
Now my money is gone and I did not receive any goods or services because I did not restart a subscription but Paypal does not believe me despite the proof that I sent them. 
XXXX even said the payment was declined but Paypal refuses to adjust. I even have a screenshot of the declined payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.
Product: Mortgage

I told Guild in XXXX XXXX my XXXX told us they cut are hours things will pick up in XXXX. We was working XXXX hours out of a XXXX hours shift. 

( Found out later this happen ) bank number put in wrong by agent my XXXX payment didnt come out .Western union payment was sent back need to be {$3600.00}. The manger told me XXXX XXXX XXXX XXXX on recorded line and I made it clear put it in my notes. Seen it will take time for the refund go back to XXXX XXXX /then you. When my {$1800.00} western refund hit back I could send the $ XXXX + XXXX ( {$1100.00} ) payment will be needed also my XXXX week XXXX check would make XXXX payments {$5400.00}. 

Finally get the refund took XXXX business days. They told me around XXXX after wait on refund I need to send in XXXX? Everything is on record line. Like Im confused n hurt. They can listen to the called on XXXX XXXX. I had a manger call me and told me make the XXXX payment after XXXX XXXX XXXX refund hit in XXXX. They wont accept XXXX got be XXXX sorry about the error. 


I also got XXXX XXXX to help they been working with me seen may and ( XXXX email with guild ) see guild ignoring the documentation we ask for also. I email guild over XXXX probably got XXXX replys. Every email I forget to put my loan number in get reply every time. The important email with thda with loan numbers ignored. Guild sent me the covid documents I ask in XXXX today XX/XX/XXXX. Thda offer to fund the loan if I applied hardship with my company anytime before XXXX XXXX. XXXX just not giving me that document. XXXX agent is my witness
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, i joined the PayPal business site. I used the credit occasionally. I have paid off the account. Awhile back I noticed that this company increased my credit limit. I did not ask for it either with PayPal or Synchrony Bank. I was just notified that they decided to reduce the credit limit ( XX/XX/2020 ). Which I didn't care because I don't use it. However, based on their unilateral actions in raising and lowering the credit limit this has affected my score. If I requested the credit increase and they granted and later dropped the increase I can live with that. However, they increased on their own and to punish me for their reduction is not right.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only two are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt or credit management

This account says its closed & been closed for months. This account is affecting my credit negatively. This account is closed & has been closed for a while now.
Product: Debt collection

Caine & Weiner , Inc. is knowingly and wilfully denying my right to validate a debt and damaging my credit standing and reputation. Pursuant 15 USC 1692g ( a ) ( 4 ) Caine & Weiner , Inc. must ( 1. ) obtain a judgment or ( 2. ) provide verification of this alleged debt. I've asked for a full audit trail of this alleged account including a ledger and whether any insurance claims have been filed regarding this account by any creditor so that I could exercise my right to validate the alleged debt. VP Quality Assurance personnel, XXXX XXXX, admits that Caine & Weiner , Inc. " does not have access to a complete payment history '' of this alleged account. If Caine & Weiner does not have access to these important details, they can not speak to the alleged balance owed. Furthermore, Caine & Weiner XXXX Inc. holds that " the balance due is not owed to Caine & Weiner '' but have sent, via postal mail, multiple payment coupons directing payment and checks be made out to Caine & Weiner at XXXX XXXX XXXX XXXX XXXX, CA XXXX, which is false and misleading. Because Caine & Weiner has failed to comply with The Fair Debt Collections Practices Act after several attempts to resolve this matter, I am left to conclude that Caine & Weiner , Inc. has no legal right to collect this alleged debt. Because Caine & Weiner has no legal right to collect this alleged debt and has used my identifying information to create Account # XXXX without my consent, Caine & Weiner , Inc. has committed identity theft.
Product: Checking or savings account

Bank of America Stole {$90.00} saying I owe money from there credit card online in my checking account My bank is XXXX XXXX  XXXX XXXX XXXX Massachusetts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/year> 2024
Product: Student loan

My loans were initially with XXXX but switched to Aidvantage. My beginning balance was around {$11000.00}. I made a {$1000.00} payment in XX/XX/2022. It was taken from my bank account. In XX/XX/2022, I made another {$1000.00} payment which also cleared my bank and was initially posted to my AidVantage account bringing my balance down to {$10000.00}. I called and spoke with an employee on XX/XX/2022 at about XXXX. He noted that I did make a XXXX payment ( so the balance should be {$9000.00} ) but for some reason, it was not posting to my account. He had me upload my bank statement to their system showing that the amount cleared my bank. I did explain on the phone call that it looked like my statement still carried my maiden name plus my husbands name. He said this was not a problem. I completed this. He said it would take a few days to post. Today, XX/XX/2022, I checked my account. Not only have they NOT posted my XXXX payment, but they restored (? ) my XXXX payment and the balance is {$11000.00} again. Additionally, in my documents folder, the documents I have uploaded are now erased. This is beyond lazy and appears fraudulent at this point. It is causing stress having to constantly check my account.
Product: Credit card or prepaid card

Using my Social Security Card, i opened a credit account with Synchrony bank creating a opened end consumer credit plan. The account showed an excess of {$1.00} resulting in a phone call with Consumer relations Corporate Specialist XXXX XXXX XXXX, extension XXXX. When i spoke of 12 CFR 1026.11 - Treatment of credit balances ; account termination she said she understood exactly what i was saying. She lied to me, she didn't understand the law and she didn't fix any billing issues. She said she cant compensate me when i never asked for compensation. I asked that any amounts owed or held for my behalf be credited to my account, any unearned insurance premiums or rebated be credited to the account. The law states upon my requested this is to be done. Why is the law being looked over synchrony bank? The company admitted to not sending me the correct billing statement, but they have not made an effort to cure the credit balance that is in excess of {$1.00}.
Product: Credit reporting or other personal consumer reports

Multiple times I have requested that my name be corrected to match my Texas drivers license as it is my legal name. However, the credit bureaus has ( XXXX, equifax and XXXX ) refused. all three bureau 's maintain inaccurate and unverifiable information with regards to my personal information. The information must be consistent with the Texas drivers license issued to me along with the address listed on my drivers license. This is the only verifiable personal information. These companies have all caused me serious issue in obtaining credit due their illegal reporting practices. I have one name and one address. All other information is not verifiable and required by law to be deleted. Please update my personal information with my name and address. For more information please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal and private information by not properly adhering to information security practices, and that negligence led to a breach of data that puts myself and millions of others at potential risk of identity theft and fraud I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the internet. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have opt-in to and pay for. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is unnecessary when it is clearly known that I was impacted. 

Lastly, Equifax should be stripped of its position and tenure of being a reputable credit reporting company, and a replacement company should complete the trio with XXXX and XXXX.
Product: Bank account or service

I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information.
Product: Mortgage

1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.
Product: Debt collection

I received a dental care from XXXX XXXX. The XXXX work I received is very horrible. My XXXX are mishaps, can't eat or chew like they stated after putting XXXX. I can't chew before hitting my bottom XXXX  due to mishaps of XXXX. Also I have been charged for XXXX cleaning I never received. They have a sign stating satisfaction guarantee 100 % if u aren't satisfied they will refund. I'm not satisfied with mishaps XXXX as well as overcharging my account ( charging me for service they never done ) ( I have never heard a XXXX work charged before you have XXXX work done ) Due to the XXXX work ( XXXX  ) I can't eat food need chewing, I can only eat soft meals ( billing me {$6500.00} ) constant XXXX and my top XXXX  hitting my bottom XXXX ( that hurts ). I need XXXX XXXX XXXX to credit that amount back on my account. I am totally dissatisfied with XXXX  work i received as well as the tactical they are using, instead of Standing on their policy of satisfaction guarantee 100 %. I AM NOT SATISFIED BUT HURTING DUE TO THIS XXXX WORK I RECEIVED FROM XXXX XXXX ( XXXX XXXX ) ALSO I LOT OF PPLE HAVE POST ON HORRIBLE SERVICE THEY RECEIVED. Also I had XXXX XXXX out which didn't pulling, they stated I needed a XXXX, till now I think that was wrong. They are after making profit. They suggested I need XXXX of which I don't have bad XXXX but they wanted to XXXX   every single XXXX out but I refused. I feel like they pressured pple to have XXXX work so they can make money and charge u before they even perform any work. I will never go back. Take this horrible XXXX XXXX off my bill. Or pay for another XXXX   to fix mishaps XXXX so I can chew hard food with no pain. Horrible XXXX XXXX and constant XXXX
Product: Debt collection

I received a call from a collections company about a past due bill in the amount of {$470.00}, as well as 3 letters stating the same, from Southwest Credit, a collections company. After discussing with them we found that it was for a new account with XXXX XXXX, a telecommunications company. We then called XXXX XXXX with the information and verified that we have not used their services, nor approve any use of the services under our name or credit. XXXX then informed us it was for service for an address in Texas, of which we have no affiliation. They then required that we fill out a form, downloaded from their website, and submit an FTC report on the situation. They also require past utility bills, statement notarized, proof of Identification, and to submit all info by mail or fax. 

I do think that it is very cumbersome and unprofessional that we have to prove it's not our debt, while they didn't have to do the same to verify the party involved. We didn't get an actual address or any names of anyone involved, only the collections company phone call and letter, and a brief discussion with XXXX XXXX.
Product: Debt collection

The number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES Another number is ( XXXX ) XXXX PORTFOLIO RECOVERY ASSOCIATES I HAVE BEEN ON THIS LIST SINCE 2003. I HAVE ALREADY ASKED THEM HOW DID THEY GET MY NUMBER THEY WON'T TELL ME. IN FACT THEY SHOULDN'T HAVE THIS NUMBER PERIOD. I DON'T GO INTO THERE PLACE OF BUSINESS AND DISRESPECT THEM SO I REQUEST THE SAME.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate personal information and unauthorized hard inquiries that need immediate correction. These errors are causing harm to my credit profile and must be addressed without delay. 

The inaccurate personal information includes : Correct Name : XXXX XXXX ( no variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ) Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( no other addresses are accurate ). 
Correct Phone Numbers : XXXX, XXXX, XXXX. 
The following unauthorized hard inquiries are present on my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information on my credit file is accurate, verifiable, and reported with my explicit consent. These inquiries and inaccurate details are violations of my consumer rights. 

Request to Avoid Stall Tactics Please do not send stall letters questioning my identity. I have already submitted my drivers license, Social Security card, and a bill as proof of identity. These documents are sufficient to verify my identity and comply with your requirements under the FCRA. Once these documents are submitted, nothing further should be requested. 

Additionally, if you are sending correspondence, it must be sent to the address I have provided : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

The company has contacted relatives about the debt, especially to complain when the payment is late
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion didn't respond to any of my letters i sent out to them on XX/XX/XXXX and XX/XX/XXXX and { XX/XX/XXXX for this letter on the letter it state XX/XX/XXXX } but its was mail on the XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all my correspondence with XXXX was through certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to XXXX and Experian about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to XXXX and Experian. However, XXXX and Experian continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.
Product: Checking or savings account

My XXXX account was hacked and someone purchased {$100.00} of virtual gift cards using my debit card. XXXX told me to have PNC dispute it. PNC had continual problems with my transaction dispute, eventually reimbursing {$50.00} of the {$100.00}. I had to submit multiple disputes and spoke to many representatives to find out why I was getting denied for {$50.00}. Eventually, I was told I can not find out the actual reason why. Frankly, I think this is incredibly terrible to the customer. They should be easily able to reclaim these funds from XXXX with the explanation and proof I provided them.