23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It  May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Product: Credit card

XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that PayPal inadvertently took {$16.00} for my XXXX account, out of my XXXX checking account. I didn't nor have I ever authorize that. Every month I have {$16.00} taken out of my PayPal Credit account for XXXX. To date they haven't taken it out. It normally comes out of my Pay Pal credit account on the XXXX of each month. I contacted XXXX and they verified that Pay Pal is the form of payment and that I should contact Pay Pal. I contacted them on yesterday ( Pay Pal ) told them of the issue and they said I would need to contact XXXX. I immediately went to XXXX XXXX  last week, and said I didn't authorize Pay Pal to take out {$16.00} for XXXX, but rather my Pay Pal credit. My bank reversed the charges. 

Also, I made a payment late on XX/XX/2022 when my Pay Pal payment was due and there must have been some error, because my payment didn't show. So, I made a payment on the next day ( XXXX ) early in the morning online for {$100.00}. The Pay Pal representative indicated that she would notate the account to remove the late fees of {$40.00} due to the issues with Pay Pal. 

I contacted Pay Pal representative today ( XXXX ) and he said they were unable to reverse the late fee because I had two reversed before. Separate issues though. I also talked with the supervisor and she refused to reverse the {$40.00} late fee. This new issue was a technical issue beyond my control and I have had issues with Pay Pal all week. 

1 ) I want Pay Pal - To reverse the late fee of {$40.00} and XXXX ) I want Pay Pal to take out of my Pay Pal Credit {$16.00} for XXXX as it normally has I think this is wrong of them to penalize customers for their technological errors. Period.
Product: Credit card or prepaid card

* XX/XX/20 - Bought 3 plane tickets to XXXX from Chase ( actually called my credit card number so Im not sure of the distinction between Chase Travel and Chase ).

At this point there was little to no talk about the Pandemic issues 2 were charged to my Sapphire card - {$3400.00} 1 was bought using XXXX points from my Sapphire account ( equiv cash value = {$1300.00} ) * Flight was supposed to depart XX/XX/XXXX return XX/XX/XXXX * Travel Ban to XXXX imposed XX/XX/XXXX 1.News was reporting the travel ban was going to happen. It was at this point and for the ban reasons alone that I cancelled all reservations ( I am not sure of the exact day but it was  within days of the XX/XX/XXXX Travel Ban ). Their position that these were no cancellation reservations is invalid because I did not cancel for my reasons - I could not take the flight!

2. Right about the same time ( again not sure exactly but within days ) I disputed charges with Chase Travel and on the Chase Sapphire credit
card 3. To this day I have not paid for two of the tickets. I have paid for one with my points which I am asking for a refund.

*Through seven months of you dont have to pay/you have to pay just last week was again told I have to pay for a flight I couldnt take. The merry go round continues. I am receiving bills with interest and late charges accruing for the two tickets originally costing {$3400.00}.

Find the following four ( 4 ) enclosed items that provide additional details : 1. Letter submitted to local Chase Rep XXXX - ( XXXX XXXX - VP/Branch Manager - Consumer  Banking - XXXX ) I was getting nowhere with the phone support people - hoped a real person would help the situation - she was very kind and forwarded it onto corporate - we/she recently received corporate response ( XX/XX/XXXX below ) XXXX agreed with my position but said her hands were tied its a corporate thing- she can do nothing else to about it but offer advice to take this to a lawyer - no lawyer wants any part of this.

2. XX/XX/XXXX - were please to tell you weve resolved your dispute 3. XX/XX/XXXX - most recent just kidding we didnt resolve your dispute - you need to pay this 4. Original email booking confirmation from Chase Travel
Product: Student loan

My student loan servicer is EdFinancial. 

I had my loans forgiven in XXXX and got a refund check in XXXX. A week later, I got another check for the same exact amount. 

EdFinancial said it was all fine and that " we wouldn't make that kind of mistake ''. I insisted there must be some clerical error, but the woman I spoke with said no, be happy you have the money - go ahead and deposit it. 

I hung up and Googled the issue and found out I was not alone in this predicament. Other EdFinancial customers have had their forgiven loans re-opened in the amount of the duplicate check ( that was never cashed ), they were never informed by EdFinancial, and were expected to pay back that amount plus interest. 

I called EdFinancial back and a different rep said that it must be a mistake that I got another check and that I should just " return the check to sender ''. 

I called the US Treasury to find out what to do with the duplicate check and am waiting to hear back. 

I have been checking my account every day to make sure my loans aren't re-opened, but it all sounds very scammy and I wanted to voice my concern. 

The reps at EdFinancial do not have a firm understanding for how these refunds are rolling out and couldn't give me an answer on how much I was actually supposed to get back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681B- PERMISSIBLE PURPOSE I am demanding that I be provided with the written permission that I provided for negative items to be on my credit report and or other grounds under statue for Negative items such as XXXX  account or the alleged WORLD ACCEPTANCE CORPORATION, with my consent or verification, If this written permission can not be furnished, I am now, demanding that all pertinent negative information that has not been verified of, or given my express permission to be removed immediately ; or face liability for further infringing of my rights and be help accountable under FCRA stature. These continuous adjustments and mismanagement of my credit report has caused me loss of points and impact towards my credit history and report. Today I lost XXXX points because of these inaccurate and malicious alterations to my credit file without my being made aware and or my express permission ; as these changes were not based on a permissible purpose, other than to try and delay mid investigation of my disputes on above accounts and other complaints.
Product: Vehicle loan or lease

The auto tracker altered the paperwork, indicating that I acquired the car in XX/XX/year>, which I have already stated. The issue arises from their claim that I made a payment this year, which is completely false. How can they tarnish my credit with falsehoods? I demand proof of the alleged payment I made this year, including the account it was drawn from. This misinformation must be removed from my report, as it is a clear violation of my rights '. You need to proof the case no make fake paperwork, is absolutely fake. This is about to hit the court keep sending the paperwork fake because according to you I went on XX/XX/year> and that is the worst lie. YOU WRONG and violating the FRCA. we all know, the part you lie is that your employed got a romance with my decease daughter and you guys make this, so keep going because I have all the proof.
Product: Credit reporting or other personal consumer reports

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my XXXX report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to traffickimg -Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 have received an email on XX/XX/2022 from XXXX XXXX ( Executive Client Relation ) at PNC ( after I file a complaint with CFPB and FTC ) stating that I will send a written response via CFPB. Also, you will be getting a fraud packet in the mail to complete with the requested information. I completed the Fraud Packet and send it back but still I haven't heard anything from them. Now the fraudulent account ( Act # XXXX ) I disputed showing as a charged off account on XXXX with balance of {$15000.00}, on XXXX with balance of {$15000.00} and on XXXX with balance of {$15000.00}. 
My Initial report numbers with CFPB and FTC are listed below. 

CFPB Complaint # XXXX FTC Report # XXXX Please help me resolve this issue and have PNC to remove this account from all three major credit XXXX XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, and XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Under Article 9 of the Uniform Commercial Code ; debts from a debtor to a creditor must a UCC filing ; on the security interests of statutory liens.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a XXXX XXXX Veteran suffering from XXXX other XXXX  related to XXXX I take XXXX medications and several other medications related to my XXXX XXXX XXXX. XXXX thoughts are a daily stuggle and my family is more than understanding in regard to the issues I suffer from. As a family we are really experiencing financial hardship. My wife and my best friend sought XXXX XXXXl XXXX  for me. My best friend and my wife contacted the " XXXX XXXX '' without my knowledge. I was unaware of the consequences for the help and I found out later my best friend paid the {$380.00} fee to put in in contact with a XXXX that specializes in XXXX and I was diagnoised with XXXX and several other ailments stimming from XXXX. Words could not express how benneficial the evaluation made me come to grips with what I have been experiencing for decades. My wife who is not an American citizen signed me up with " XXXX  XXXX '' in distress seeking medical help without my knowledge for a suffering husband. My wife is not well versed in the English language and did not fully comprehend the consequencies of the medical guidance " XXXX XXXX '' provide. I was informed this organization required payment from my VA bennefits for the amount of {$6700.00} and I was flabbergasted! The " XXXX XXXX '' are not a government approved organization which my wife was led to believe it was. This organization is taking complete advantage of XXXX Veteran 's desperation and it should be criminal to charge XXXX Veterans such a astronomical inappropriate amount of help for very little services provided. I put in a dispute with XXXX explaing I had not signed anything with this agency for their services but my wife checked a box on their site and this action obigated me to a {$6700.00} commitment without my consent.I am desparate to have this entry eliminated of my credits reports. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the exclusions are still listed on my consumer credit report which is a violation of Federal Law. These accounts were initiated by my social security card XXXX XXXX Bank, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Finance Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Pursuant to TILA 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card I used to initiate a consumer credit transaction is a credit card, that means anything thats attached to my social security card is Excluded from my consumer report. TransUnion is in violation of willful noncompliance for reporting Excluded items on my consumer credit report for over a year. title 15 USC 1682o ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and 15 USC 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Furthermore, a charge off is consider income. According to the XXXX, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. 

TransUnion is reporting XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
TransUnion is reporting XXXX XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
TransUnion is reporting XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation.
Product: Debt collection

Capital one at XXXX XXXX XXXX UT XXXX USA has been sending me collections notices in the amount of {$430.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature