23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX I made on line deposit at BANK OF AMERICA of a check I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as shown in the attached photo and another online deposit at BANK OF AMERICA on the XXXX of XX/XX/XXXX worth {$1000.00} from XXXX XXXX in XXXX XXXX, as attached, the 2 checks cleared normally to my company account. On XX/XX/XXXX my wallet was stolen and there were 2 sheets of checks, which had already been cleared, and on XX/XX/XXXX the value of the 2 checks, one for {$4200.00} and the other for {$1000.00}, was withdrawn from my account, in the statement is marked that there was a duplicate ad debit adjustment, I filed a police report on the day of the theft, I called the bank and complained about the withdrawan of the money, i said that i would have up to 60 days to investigate the event, as i called several times I went to the bank and went directly to a physical branch, talked to a manager and the time she calledthe fraud departament, because so far they haven t solved my caseand haven t returned my money.I always call bank of america, s fraud departament and they clain I deposited 2 times the same check. Because the bank has an eletronic system and does not allow you to deposit 2 time the check, I dont understand why the money disappeared from my account, because if I had deposited twice it would have doubled the amount in my account. I already called the respective ownersof the 2 checks and they informed me that the amount did not return to their account and this a manager suggested and opened another account of my company and said that i could receive deposit my checks that there would be no problem paying the other one account that is negative due to the withdrawn amount. 
I dont know what to do anymore, it will be 60 days and they claim they wont return the money and XXXX i made a check deposit of {$650.00} in the new account i was using, it is usually on XXXX they transferred {$63000.00} for the account that there was the duplication.
Product: Credit reporting or other personal consumer reports

I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/XXXX  : 1. Ally Financial 2. XXXX XXXX XXXX 3 . XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
Product: Credit reporting or other personal consumer reports

I looked on Credit Karma for credit information for me, on that website they list me having XXXX student loans that are active totaling more than {$23000.00}. Because of this misinformation, my credit score went down XXXX points on one credit bureau, XXXX points on another bureau and XXXX points on another!!! My XXXX XXXX XXXX loan was paid in full and consolidated with XXXX federal loan. It shows XXXX as being paid off and as far as XXXX is concerned it is in the process of being forgiven and that loan is for {$12000.00}. It is not delinquent, it is not late, and I have been told I owe no monthly payment on it. I believe there are too many credit agencies and too much misinformation and it is causing people to be destroyed financially!!! No one person can keep up with more than XXXX credit reporting agencies and each one has different information!!!! When is someone going to consolidate these agencies and start regulating them and holding them accountable!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to bring to your attention several inaccuracies present on my credit report that require immediate correction. My name is XXXX XXXX XXXX, and I am requesting the removal of the following items : 1XXXXXXXX XXXX XXXXXXXX XXXX There is a reported balance of {$6500.00} with XXXX XXXX XXXXXXXX that is incorrect. I request that this information be removed from my credit report. 

2. Charge Off from XXXX XXXX : There is a charge off from XXXX XXXX listed on my credit report, which has been paid in full. Therefore, it should be removed immediately as it is no longer valid and is incorrectly reported. 

3. XXXX XXXX Late Payment : There is a late payment from XXXX XXXX listed on my credit report that I believe is inaccurate. I request that this late payment be investigated and removed if found to be incorrect. 

I kindly request that Experian Credit Bureau investigates these discrepancies and takes the necessary steps to correct them promptly. These inaccuracies are negatively impacting my credit score and financial reputation, and I urge you to rectify them as soon as possible. 

Please acknowledge receipt of this dispute letter and provide me with a timeline for the investigation and resolution of these issues. You can reach me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. 

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

I have a collections account on my credit report that I have no knowledge of and it has been disputed multiple times.. I have been trying to contact the creditor for over four years to take care of this debt. I have called the number listed numerous times and left messages. I have not received a call back. The debt is minimal and I would like to pay it after I verify that it is mine.
Product: Mortgage

I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX JXXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged ONEMAIN - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

Automated payment for XXXX Car insurance in the amount of XXXX was cleared and I made a transfer from savings account to checking a account to cover the cost. Despite my actions to prevent an overdraft fee, the bank charged me regardless. Upon contacting the bank to resolve issue, they agreed that I was getting charged overdraft for a transaction that I shouldnt be charged for. Nonetheless the bank refuses to reverse overdraft fee because my account is ineligible for overdraft reversal regardless of the fact the fact that I took the necessary actions in good time to prevent the fee.
Product: Debt collection

I been calling equafax regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call Equifax they said its not showing on the file so they need to update so everybody else can see the same thing with them
Product: Mortgage

A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX ( {$7400.00} ), 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
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is still reporting inaccurate information for XXXX XXXX XXXX # XXXX. this account needs to be removed. I have the account ledger from the bank who states they have notified transunion about the inaccurate information and still transunion has not updated my account. I have also provided transunion with documentation showing this account needs to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

From the previous complaint I was contacted by office board over local Finance located in XXXX yesterday she was explaining to me the same thing like before yes I did say in my previous complaint that I Will try to get a payment in on XX/XX/XXXX but it didn't came in till later on that day around XXXX. So I told them once again I get paid again XX/XX/XXXX but around XXXX so XX/XX/XXXX I would make that {$90.00} payment, she said like local Finance did they couldn't hold it so I said again garnish my wages at this point because I'm tired of y'all calling me back and my references as well about this issue. I was told before they handed it over to these new people that I will pay that this Friday she asked me if I was able to find someone yesterday who's willing to help I said yes but that person don't get paid till this Friday. If they willing to work with me on this issue let me make payments for the next day or simply take it out my check because I'm tired of this explaining it over and over again.
Product: Debt collection

I received a credit alert that stated I have a account in collections from Williams and fudge company. I received no notification from this company or the college they are listing on my credit report. I have not received a bill, debt letter, notification of an account being sold to a debt collector anything. I had federal student aid which covered my courses while attending courses so I was not obligated to pay any out of pocket fees. I have not signed any contracts acknowledging this debit or taken responsibility because my first time even knowing about it was when it was posted to my credit file causing my score to drop. The debit collector and XXXX XXXX college has failed to provide me any proof or knowledge of this so called debit, they have failed to contact me by phone, email or us mail with any claims that I owe a debit. This debit was not verified and there is no contract with my signature. Under the FDCPA law I am requesting proof and some form of contractual obligation that is binding me to pay you this debit
Product: Money transfer, virtual currency, or money service

I have bought clothes from XXXXXXXX XXXX on XX/XX/2023 for XXXX dollars and I paid using PayPal for this transaction. I then returned all the items back to XXXXXXXX XXXXXXXX using XXXX and the TRACKING NUMBER IS XXXX and XXXX XXXX received the returns on XX/XX/2023. But until now I NEVER received my refund for the returns. I filed a case with PayPal case number XXXX until today XX/XX/2023 PayPal is refusing to refund me my money and PayPal is refusing to decide this case in my favor and refund me my money of XXXX dollars. I have proof that XXXXXXXX XXXX received the items back and they sent me a confirmation for that but NO REFUND YET from either PayPal or XXXXXXXX XXXX. I have RETURNED THE ITEMS BACK TO XXXX XXXX  so they should refund me my money and PayPal should refund me my money but until now PayPal is refusing to refund me my money. They are both bunch of thieves and they are stealing my money
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 that a consumer reporting agency can not furnish a account without written instructions.
15 U.S.C 1681c. ( a ) ( b ) Section States : No consumer reporting agency may make any consumer report containing and of the following items of any information Any other adverse items 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

I paid off my statement balance in full and capital one has charged me interest on a zero dollar balance. I also made no purchases with that credit card in this statement.
Product: Credit card or prepaid card

I filed a dispute with XXXX XXXX XXXX XXXX. file complaint after complaint with no reply. They turn the account over to Portfolio recovery Associates and they never responded to my letter to them as to the account was in dispute and I wrote them 4 times to put this account in dispute.
Product: Mortgage

I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. 

Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. 

These are estimates. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Please correct my address information. Equifax lists XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX, but my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX. This inaccurate information violates the FCRA 's requirements for maximum possible accuracy under 15 USC 1681e ( b ) and could also violate the permissible purpose rule under 15 USC 1681b. Inaccurate personal information on my credit report can create confusion, harm my creditworthiness, and raise concerns about how securely my data is being handled. I rely on my credit report for important financial decisions, and errors like these make it unnecessarily difficult to maintain a clear and accurate profile. I'm asking for this to be corrected quickly, and I'd appreciate your help in ensuring my report is accurate and up-to-date. If this inaccuracy isn't resolved, it may qualify as willful noncompliance, which could lead to a penalty of no less than {$1000.00} under 15 USC 1681n. Please also confirm in writing once the correction has been made and provide me with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as I stated previously the items listed on my credit report are fraudulent and do not belong to me, i had nothing to with this. I would like to know how the fraudulent accouts were verified and when,
Product: Credit reporting or other personal consumer reports

The company A+ LOANS is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a XXXX party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Money transfer, virtual currency, or money service

Paypal has locked my account because they believe it to be a business account. It is not. Attempted to provide verification information they requested. They never took action to unlock account. I just want the account closed permanently. CLOSE PAYPAL ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  XX/XX/2021
Product: Student loan

Nelnet has not been sending me my annual recertification notices by mail or email. Ive tried both. Ive been dealing with them over a month already since around XX/XX/XXXX just to get my paperwork processed. Still not done. This happens every year and is a struggle. I never even got any loan with this company, it just got sold off to them from the Federal government. Ive been mislead and lied to about these loans from my school XXXX XXXX XXXX XXXX. Nelnet is the worst student loan company EVER! They want me to default so I have to pay a years worth of interest about {$3500.00} added to my balance because paperwork isnt processed on time. Its already happened once from a transition to Nelnet from XXXX!! This happens every year and I do all my paperwork instantly the day I receive it. Have complained so many times to supervisors etc. nothing gets done!! This keeps going on and I have no help to correct this. Every year the same problems with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX After reviewing my credit profile. The payment history is inconsistent amongst all XXXX bureaus from XX/XX/XXXX until XX/XX/XXXX. XXXX is verifying on time payment for some months that Equifax XXXX XXXX is showing late. How was this account verified? 

How can all XXXX bureaus show different payment history for XXXX account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.