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

Transunion These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX Transunion Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX  XXXX - XXXX - {$2000.00} XXXX  - XXXX - {$3500.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Debt collection

This is another complaint regarding Capital One. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at Capital one & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at Capital One, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with XXXX XXXX now known as XXXX XXXX XXXX  and they are no longer handling my account due to the inaccurate information that was provided to them by Capital One due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
Product: Credit reporting or other personal consumer reports

I have been subjected to penalties to my credit score due to creative billing by Bank of America ( BOA ). 
On XXXX, my husband XXXX XXXX, passed away. Unknown to me, he carried credit cards with unpaid balances on them. I was never co-owner on any of his credit cards. However, BOA has resorted to transfer billing of these charges from his XXXX credit account to my name in a new account number XXXX since being informed of his death. 
They have not sent any proofs of my sharing a credit card account as they claim, but sent a savings bank account that we shared, which has nothing to do with his credit card accounts. Of course we lived in the same household, and his bills came to the same address, and he made payments to his credit cards from our shared bank account. But they know that I was not a co-owner to this x XXXX account as they willingly closed XXXX other accounts with similar issue, and refuse to close this one. 
They agreed upon my request to send account initiation signature proof of their claim to my involvement in his credit card account, yet what they sent is verification of our joint bank account. Lately, my XXXX score dropped to XXXX from XXXX in XX/XX/year>. 
I am not obligated to pay for charges on an account I never owned or co-owned with anyone. 
I have spoken to multiple BOA telephone representatives, and in person bank staff on this matter, to no avail. 
I queried this new credit account from the first bill received, yet I continue to be targeted for payment of new monthly bills in my name. This has damaged my credit. 
Again, we shared a bank account, never a credit card account. I have never signed up for or agreed to shared credit card accounts with him. I am not responsible for unpaid charges on a credit card account that I never owned. 
I would appreciate some oversight into this behavior by BOA, which is unprofessional and unethical ; in closing his unpaid credit account and opening a new one in my name with the same balance. I should never become the subject of this activity at all, especially now having just lost my husband. I appreciate any assistance and feedback from you on this matter. 


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

Received a notification that there was an inquiry on my credit report. On XX/XX/2022 there was a Hard inquiry on my Experian report to open a new XXXX XXXX XXXX XXXX installment loan/Bank account XXXX
Product: Credit card

I cant even log into an account because I was a former customer. Theres no live line. No one to speak to. No emails nothing! 
I did the self credit builder account with a few hiccups but it was worth it I used my former deposit and was supposed to receive a partial check and the rest went to a credit account. I paid it off and was supposed to receive a new card. After that I never got the new card, I moved into a new apt there was nothing but charges on my account. From other states, countries, they said they had a system hack. I paid OFF MY BALANCE. Next thing my account is charged off and Im still in a deliquent state from over 2 years ago for XXXX $! That I paid as soon as I got my taxes. Its still lingering on my report and XXXX  me. I had to pay to bury my grandma and my credit is ruined by the same company I PAID TO HELP ME!
Product: Debt collection

I am writing to file a formal complaint against pro collection for inaccurately reporting a debt on my credit profile. In XX/XX/2023, I contacted pro collection to inform them that the {$2900.00} debt that they had reported on my credit profile did not belong to me. Despite my request for validation of the debt, pro collection failed to provide any evidence that the debt was indeed mine. 

I have requested multiple times for pro collection to remove the debt from my credit profile, as it is negatively impacting my credit score. However, they have refused to do so without any proof that the debt is legitimate and belongs to me. 

I would like to request that pro collection provide concrete evidence that I am responsible for the debt in question. As of now, I have not received any verification from them to support their claim. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this issue and requesting that pro collection remove the inaccurate debt from my credit profile. I have attached copies of all communication and documentation related to this matter for your reference.
Product: Money transfer, virtual currency, or money service

( Note : This is copy and pasted from the report I filed against PayPal on XXXX ) On XX/XX/2021, PayPal put a sudden and unwarranted permanent limit on my personal PayPal account after receiving a small payment for buying another coworker lunch. I then spoke to XXXX, an employee of PayPal, to try to resolve the problem. He had me submit my Drivers License to prove my identity. However, after waiting the 3-5 business days to have the problem solved, nothing changed. After calling them again on XX/XX/2021, I was then told that my account is now permanently limited due to " high risk '', preventing my from accessing the funds on my account. They explained that their internal system automatically did this and offered no explanation about how I broke the agreements between me and PayPal that caused this action. 

Later in XXXX, I tried calling them again but I think they have black listed my number. I keep getting hung up on after the system tells me about the call being recorded. I also tried calling them through the account cancellation line, but I have been on hold with no one to talk to me for over 12 minutes. Usually, I get an offer to press 1 and have them call me when it's my turn, but I didn't even get that message. The calls that prove my claim are attached to the message as an " XXXX '' sound file. 

On XX/XX/2021, I messaged them on XXXX to try and resolve it from there. Like they said while on the phone in XXXX, they said the account was permanently limited after a review and offered no answer why. They insisted that the decision will not be reversed. 

I want to have my account back as their actions are a breach of the contracts between us since they refuse to provide proof that I have violated any agreement. The reference ID for the permanent limit in question is XXXX.
Product: Mortgage

The servicer, PennyMac, has over collected escrow payments, since the inception of the loan in XXXX, XXXX. They are over paying hazard insurance and double paying hazard insurance. XX/XX/XXXX PennyMac paid {$3500.00} to XXXX XXXX, when the premium was much lower than {$3500.00} and when I changed insurance from XXXX to XXXX to lower the premium and provided proof I paid the XXXX insurance premium out of my own pocket, Pennymac double paid XXXX again, a second time, on XX/XX/XXXX in the amount of {$2100.00}. I am entitled to have the escrow account removed in the XXXX month which is XXXX, XXXX. I have requested Pennymac to start the process to remove the escrow account and for them to do a full escrow analysis on XX/XX/XXXX because I believe that Pennymac has over over collected over {$2000.00} each year, for a total of {$4000.00} they owe me and I have proof they are paying the wrong insurance carrier, over paying them the wrong amounts and double paying them. Pennymac refused to remove the escrow account or do an escrow analysis because it would " increase the payment even more '' and are refusing to account for the monies they are collecting in the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my Equifax report that I didn't authorize and I have since put a fraud alert on my report to prevent this from happening in the future. 

1 XXXXXXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX XXXX Total Card Inc. XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX mailed me a collection notice, stating if I pay {$360.00} my debt would be resolved with XXXX XXXX XXXX. On XXXX XXXX XXXX I mailed in a payment for {$360.00} with the payment envelope provided. On XXXX XXXX XXXX instead of processing the payment per the written contract they provided and submitted payment for they reported this card that I haven't had since XX/XX/XXXX with a balance of {$300.00} as 180 days late to all 3 credit bureaus with a balance of {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/2023.
Product: Debt collection

The debt collection agency, General Revenue, states that I owe them a Balance of {$4100.00}. This reflected on my credit score on XXXX XXXX, 2021. Ive tried to resolve the situation via dispute letters and phone calls with no progress. This has really been a financial burden for me and has prevented me from many opportunities in life already. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX   Account Number # XXXX Balance {$1300.00} XXXX XXXX  XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX  Account # XXXX Balance {$380.00} XXXX/XXXX  XXXX Account Number # XXXX Balance {$350.00}
Product: Debt collection

I was sent documentation from Portfolio Reocery Associates about an old cc debt that was passed onto an attorneys office for collection. XXXX XXXX is who I was told has the debt. I then received a call from XXXX XXXX regarding the exact same debt and they said they hold the title to the debt so they said not to pay XXXX. I contacted Portfolio recovery again to confirm who they sold the debt to and it was to XXXX XXXX. They lap recommended I reach out to the county court house to see if they have any record of the potential civil suit and when I called the court house they confirmed it was from XXXX XXXX so that it who I am paying. XXXX asked me to send them whatever I have recieved from XXXX when I got it but Im not comfortable with that. They called again today to see if I got the paperwork and what it was for but it was over voicemail. I called back and left a message letting them know that I contacted the courts and they verified that its with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from worldmark by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

3rd. Per Us Law according to 15 us 1692c. We did not give permission for XXXX XXXX XXXX and the finance company ( comenity bank ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

4. Me and my fiance experienced discrimination from XXXXXXXX XXXX XXXXXXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature
Product: Credit card or prepaid card

I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank XXXX on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was XXXX for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my credit card.