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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I called to confirm the balance to pay off the entire debt on my Best Buy Visa card. I spoke with XXXX, and he provided the information. When I questioned the why the balance was so high, he informed me of two interest charges for not paying promotional balances off prior to the termination of the promotion. The first was on XX/XX/XXXX for {$470.00} and the second was on XX/XX/XXXX for {$430.00}. When I explained to XXXX that those were both paid off prior to the promotion ending he could not find a reason why the payments were not applied properly. 
I called prior to the end of both of these promotions ( I do not recall the dates ) and was instructed to make a minimum payment then make the full promotional balance payment to ensure the promotional interest would not be assessed to my account. I explained this to XXXX, and he agreed that this should have paid off both promotional accounts. Unfortunately, XXXX was unable to assist further as he did not have the authority to rectify the issue. 
I called back later on XX/XX/XXXX and spoke with XXXX, Idaho Office Manager. She advised me that she could not reverse the charges as that was Policy. I asked what Policy and she began to say it was a federal policy at which time I interrupted and advised her that there is not such federal policy. As a XXXX XXXX and XXXX XXXX for a XXXX  institution, I know there are no such policies and that she should not provide this misinformation to any other customers. I asked if it was a company policy, at which time she said yes. She asked what she could do for me, and I requested to have the {$910.00} of wrongfully assessed interest removed from my account so I could pay off my debt. She advised me that she could not do anything for me, and we ended the call. 
This is a very confusing why of paying off promotional debt and is still their practice. I had to follow the same steps for a promotional item I paid off on XX/XX/XXXX. I called on XX/XX/XXXX to confirm it was paid off with XXXX. I plan to call again to confirm I am not being charged interest for promotional items I paid off prior to the promotional time terminating.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Debt collection

I was given a copy of my credit report, and there was a collection account listed. I have since reached out to all 3 of the credit bureaus by phone and my mail to address the fact that the account in question does not belong to me. I have never had an account with the company in question. I do not have any other information reporting on my credit report besides this one company. XXXX, XXXX or XXXX XXXX XXXX has not reached out to me in regard to this matter.
Product: Credit reporting or other personal consumer reports

On or around XXXXXXXX XXXX XXXXXXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX Co ( XXXX ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX reduced my credit line to {$700.00} from a credit line of {$2400.00}, which also affected my credit score by  lowering the credit limit. I have never been late on the credit card payments, payments were made on time and I have been in good standing with XXXX since the credit card was established in 2018. 

My credit card was reduced around the time when the Caronavirus Pandemic became a Global crisis. My credit card was reduced during a time when I needed the credit card limit the most and my credit score. To reduce my credit card on XX/XX/XXXX, made me believe that my credit card limit was reduced on purpose due to the Coronavirus Pandemic crisis and being out of work, which they believe customers would default on the credit card and possible could not pay. 

At the time, my credit card limit was reduced, another one of my creditors ( XXXX  ) placed a derrogatory mark on my credit report, stating I was 30 days late which I was not XXXX  had a glitch in the payment processing and the payment did not get posted. This was not my fault but XXXX  's fault. I also filed a compliant against XXXX  for the negative reporting with CFPB, which XXXX  has since updated my credit report with all three credit reporting agencies. 

I was also given the reason why my credit card limit had change because of the negative reporting from my new mortgage company ( XXXX Mortgage ) which my mortgage was transferred from XXXX XXXX XXXX to XXXX Mortgage. The transfer of my mortgage created a lot of issues in my monthly mortgage payments with XXXX Mprtgage, which took several months to get corrected. XXXX mortgage place 4 late payments on my credit report which also affected my credit score. All payments were made and the account was/is up-to-date with XXXX Mortgage at the time XXXX reduced my credit line. Prior to reducing my credit line, I was not contacted by XXXX to give an explanation about my new mortgage company and their credit reportings of the late mortgage payments. I have never had any problems with my previous mortgage with XXXX XXXX Serving that I had for almost 15 years, my mortgage problems did not began until my mortgage was transferred to XXXX Mortgage, which ultimately affected my credit, ruin my whole life with my other creditors and my line of credit. I do not have a new mortgage with XXXX Mortgage, my mortgage was " transferred '' from another mortgage company to XXXX Mortgage. 

XXXX had no right to reduce my credit line based on the negative reportings of XXXX Mortgage and XXXX, which affected my credit score. At the time, When XXXX extended me credit, I also had all of the credit cards that I have listed on my credit report now, which did not affect my credit approval with XXXX. Therefore, the excessive credit cards and high limit amounts should not be a factor now in my credit limit with XXXX. 

I am requesting that XXXX put my credit line back at {$2400.00}! I don't have a problem with paying my bills or paying the credit card bill with XXXX.
Product: Student loan

My loans were transfered from Great Lakes Borrower Service to NelNet recently. Under GreatLakes my loans were placed into PAYE repayment plan on XX/XX/XXXX. The estimated payment was 0 . Around XXXX of this year, XXXX, I recieved a call from Great Lakes stating loan repayment would soon resume and that my estimated payment was still 0 , that I would need to update my income in XXXX. Upon transfer to NelNet the account now shows that half the loans are no longer under the PAYE program and are now reflecting a monthly payment of {$4700.00}. I am currently unemployed and my loans should still be on the PAYE plan and no changes were ever requested or authorized to this repayment schedule. 

I reached out through the NelNet email contact form on their website immediately in XXXX when the loans were transfered. I have never recieved a reply and now nelnet removed their email contact option making in impossible to contact them in writing.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I used to have my cell phone service with  XXXX . I closed my account and disputed the final charges. The account was sold two two different collection agencies by  XXXX . First it was   XXXX   XXXX   and then to Convegent Outsourcing. I worked out a settlement offer with Convergent in Early  XXXX , had them debit the monies from my checking account. I then received a letter from them confirming that my debt was settled in full. 15 months later the same collections agency comes back with a new account number and new charges and says I owe more money on the same debt. (   XXXX   XXXX   ) this company claims I owe a debt that is already been satisfied. It 's not valid. It 's also been added back to my  XXXX  credit reports. No one will listen to me. It should be removed.
Product: Mortgage

I received a notice of denial due to previous requests for modifications during delinquency period. I have endured many hardships and the most recent being my XXXX XXXX. I have concluded treatment and asked for a modification now that I am back to work and medical bills have decreased. Asking for a last chance to modify my mortgage loan and remain in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the fraudulent accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. They are violating Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a " Credit Card '' from American Express last year ( 2017 ). 

I made an error in getting this " Credit Card '' because it was not a common Credit Card ; they required you to pay 100 % at the end of each month. So I decided to cancelled it. 

Before cancelling the " Credit Card '' I made the following payments : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} Last days of XXXX, I called AMEX to please charge the FULL amount I owed at that time, and cancel the Credit Card. Because I only had it for 5 months ( or so ), they delete the annual subscription fee ( {$400.00} ) and told me that the amount due was {$2000.00}. So they did charge 100 % of the amount due on XX/XX/XXXX to my bank account. 

Since XX/XX/XXXX, I didn't have AMEX anymore, an nothing owning them neither. 

BUT, on XXXX I identified a late payment on my credit score from AMEX ... Called to see WHY and HOW, could I have a debt with them if I already called in XXXX and PAID 100 % and cancelled the credit card. 

They told me was an AMEX error, and deleted the late payment fees but anyway charged me {$120.00} -telling me that NOW I didn't owe nothing. 

BUT ( 2 ) ... In XXXX, again it appeared a late payment on my credit score, so I called back again.. they said I had 2 late payment fees, but was an error from AMEX.. so they delete those " late payments '' again.. 

The problem today, is that since XXXX that I told them to charge 100 % and cancel my credit card, they have been nice to delete those " invented fees '' but they say, that they are not able to delete that from my Credit Score I would appreciate you listen the calls and take action, because it's not fair to have " late payments '' for the las 4 months on my credit score because of their error. 

I appreciate your time. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXX regarding my account number : XXXX. The issue at hand is the inaccurate reporting of two late payments on my credit report.

I have noticed that Experian is reporting XXXX XXXX as 30 days late, while XXXX is reporting XXXX XXXX as late. This is a clear case of inaccurate reporting, and I am requesting that this error be corrected immediately. 

Under 15 U.S. Code 1666b, I have the right to dispute inaccurate information on my credit report. Additionally, 15 U.S. Code 6801 ( b ) 3 requires that credit reporting agencies ensure that the information they report is accurate and up-to-date. Lastly, 15 U.S. Code 1681b outlines the permissible purposes for obtaining and using consumer credit reports. 

I believe that XXXX has violated these consumer protection laws by reporting inaccurate information about my payment history. As a result, my credit score has been negatively impacted, and I may face additional financial consequences. 

I am requesting that XXXX correct their reporting errors and update my credit report to reflect the accurate payment history on my account. I would also like to request any documentation they used to determine that I was late on my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate debt collection. That has caused me great grief and caused me to miss an opportunity to buy my first home XXXX XXXX XXXX disputed on XX/XX/2022 {$330.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1000.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1600.00} This collection debt is in violation with FCRA and HIPPA LAW. It invaded my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Acount # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX According to : 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 ''. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

Dear Sir/MadamOn XXXX XXXX XXXX after Wells Fargo sold the house located at XXXX XXXX, XXXX GA XXXX, I received this letter. 
First, from XXXX XXXX, XXXX to XXXX XXXX, XXXX, we reviewed your account XXXX times for possible payment assistance options. FHA guidelines require that you occupy the property as your primary residence. Your account didn '' t meet the guildelines since your account was not listed as your primary residence. 
My response was the bank executive customer recovery group lie. This property is listed as my primary residence. My driver license, my voter registration card, my utility bills, my car registration, my termite bound, my car insurance, and lawn care company, all have the same address. In addition, my tax return had the same address. Furthermore, I paid State tax in Georgia. The house was my primary residence. 

Second : I have submitted all requested documents for the modification and they are requesting new documents. 
The bank said that we are unable to initiate another review for available payment assistance options prior to foreclosure sale date of XXXX XXXX, XXXX, because we did not receive proof of occupancy. 
My response was the package had my XXXX Federal and State Tax returns. Also, included a copy of my driver license. If a utility bill was requested, I could have sent it tooThird : I requested that Wells Fargo rescinded the sale of XXXX XXXX, XXXX. 
Wells Fargo said that due to the outstanding items listed above, we require more time to resolve your inquiry, but will have a final resolution to you by XXXX XXXX, XXXX. 

Yesterday, XXXX XXXX, the bank representative, XXXX XXXX told me that the sale is final and she will send it in writing to my address XXXX XXXX which was the residence and the mailing address listed with Wells Fargo in the recorded conversation. 
I disagree vehemently with the bank action. As you can verify in their own letter they did not initiate a review of the XXXX completed Federal application submitted on XXXX XXXX, Moreover, they did not review the internal Wells Fargo own application for assistance. Their own appeal form which authorized the customer right to a review was denied. 

At this point, the bank has violated my right to a review of the Federal application HAMP. Then,. I requested to XXXX XXXX of Wells Fargo if there is any other way to save my house. There was no answer. The only reason I was fighting for my house was I removed money form retirement account to keep the house during the depression. I hope at CFPB an official will look at this complaint and stop any malfeasance of the bank to other minorities. The FHA guidelines were not followed in this sale. I have been locked out of the house for two weeks since XXXX XXXX XXXX XXXX took possession without aneviction notice. 
In Conclusion, my lawyer has submitted all paperwork required for the modification. The bank still denied me due process to the right of a modification. I believe this is pure discrimination against me.
Product: Money transfer, virtual currency, or money service

paypal is advertising their fundraiser option, so I was thinking its a good idea to start a fundraiser in order to collect donations towards my art gallery project.

my fundraiser was approved by paypal, after receiving donations I got a weird email saying that the transactions are high risk and that I will get my money paid in 180 days. however I am still not able to access the funds and I believe paypal is a scam. my paypal balance is {$2400.00} and I can not withdraw the donations. please help me. thank you