23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I can not be paid my {$49.00} by XXXX due to the issues with Payfare International. I contacted support and they told me there was no possible way to stop the deposit with Payfare. They also could not provide any information letting us know the services would be down, nor would they tell us when it would be fixed.
Product: Credit card or prepaid card

My credit card ( XXXX XXXX ) offers as a benefit a credit to cover XXXX precheck fee. I renewed my precheck on this card and was not given the statement credit. I called the card customer service several times and they are claiming I purchased the precheck from a third party ( not true, and not possible ) and therefore they will not honor their offer.
Product: Credit card

Amercian express keeps charging interest after I paid the entire balance off and also pay off was before this last statement. I only made a XXXX purchase over a year ago, which they turned in XXXX percent into XXXX percent, So, I paid the darn thing off. 
I paid A {$110.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX, The total pay off balance was {$2700.00}. They turn around and charge me {$26.00} residue interest on XX/XX/XXXX. I called twice to have them take this off which they refused. This is interest that is on a paid off XXXX balance. 
I would like this FAKE interest of {$26.00} removed.
Product: Debt collection

I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration
Product: Credit reporting or other personal consumer reports

CFPB, im reporting this company this company to you because this company shares consumers personal information/ credit report. This business reports information TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, United States XXXX XXXX XXXX XXXX
Product: Mortgage

I was pre-approved for a loan by Citizen bank by XXXX in the beginning of XX/XX/2017.XXXX asked for {$650.00} for a appraisal.2 weeks later the loan was denied by citizens bank. I XXXX telephoned XXXX and ask back for my money and which he stated a appraisal was done.I telephoned the realtor XXXX at XXXX who explained that no appraisal was done.
Product: Vehicle loan or lease

I am writing to formally dispute the repossession and charge-off entry related to the auto lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), currently reported on my credit report. The entry shows a balance of {$8100.00}, and indicates a repossession was conducted in [ XXXX / XXXX  ]. According to UCC Article 9, specifically Section 9-613, a secured party is required to provide the debtor with a Notice of Sale prior to the sale of the repossessed vehicle. To date, I have not received such a notice. As a result, I believe that the repossession entry on my credit report is inaccurate and does not comply with the legal requirements set forth under UCC Article 9, which mandates that the debtor be notified before the sale of repossessed property. In light of this, I am requesting the following from XXXX XXXX or the credit reporting agency : 1.Proof of the Notice of Sale that was sent to me regarding the sale of the repossessed vehicle. 2. The exact date and method by which the notice was sent to me. 3. A copy of the sale or disposition of the vehicle, if the property was indeed sold. Since the repossession and charge-off appear to be in violation of my legal rights under the Uniform Commercial Code ( UCC ) Article XXXX, and since I never received the required Notice of Sale, I respectfully request that this entry be investigated and either corrected or removed from my credit report. Please provide the requested documentation or correct the account information in accordance with UCC Section 9-613. If I do not receive this documentation within the required 30-day period, I will consider this entry inaccurate and will take further action to have it removed. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the accuracy of this information within 30 days. Please confirm the outcome of your investigation to me in writing. I appreciate your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Debt collection

I was contacted earlier this year by XXXX XXXX XXXX, which claimed to be collecting on an account sold to them by Citigroup which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and email for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case in court. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - XXXX amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full Citigroup credit card account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Product: Checking or savings account

On XX/XX/XXXX, the day after my debit card was stolen, I had initiated a claim with bank of america for an ATM transaction that was not done by me. That entire day I was in XXXX California and spent the night there. I had been out during the day, in XXXX, when my debit card went missing. That debit card had not yet been used or even activated. After it went missing, I had found out that someone had activated the card and used it for an ATM transaction somewhere nearly 30-40 miles away in the middle of the night. I was nowhere near where that happened and even have XXXX receipts from the day and other transactions that occurred during the day that prove that I was not anywhere near where the ATM transaction occurred. I reported this transaction to bank of america and they are now denying my claim. I did not make this transaction nor did I authorized anybody else to make this transaction. My ID and PIN were stolen along with the debit card because they were all in my wallet which was lost/stolen during this day.
Product: Credit card

XX/XX/XXXX  I noticed a promotional balance had not decreased with a recent payment. I sent a message through the website message center. I received am E-Mail reply the Company received the message and would review. Possibly 1 week later I received another message a reply had been sent. The message portion of the website no longer works, as in all messages to the company and from the customer are no longer visible once posted to an account. I have informed them of this every time I contact them about applying payments incorrectly. 
Eventually I receive another message and link to a form letter and I see promotional payments corrections, credits and debits on the account. 
Then the next payment I have to go through the whole process again. Today is the fourth time I have contact the company about misapplying payments. The credit card agreement is for all payments to be applied to Promotional balances first, then once paid off, apply payments to standard purchase balances. I had a XX/XX/2023 promotional balance the company hadn't paid off in XX/XX/2023 and I posted $ XXXX {$600.00} payments monthly. Today I found a {$300.00} promotional balance not paid off by my {$350.00} payment and the {$49.00} balance not applied to my next in line promotional balance of {$320.00}. All I continually ask is that my payments be applied according to the XXXX XXXX  Credit Card Agreement rules. In addition, there is a section of a Standard Purchase amount that I questioned, it and the designation of terminated status on a larger amount. I asked what this meant and an explanation, but not until today 's message. I have not yet taken the time to call the company. I did inform them if this continued, I would file a complaint. I added attachments and can add more showing different screenshots. if needed.
Product: Debt or credit management

XXXX XXXX  promised to fix my credit but instead charged me and over charged me to pay for services I never received.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/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
Product: Credit card or prepaid card

XX/XX/1921 I wanted to make a early payment to my credit card. {$220.00} XXXX put my funds in my bank account waiting for capital one to take it out for my quick silver credit card. Waited 5days they never took the money I checked my capital one app and the available credit was now XXXX  when I left {$75.00} I was told we can take your available credit if a payment returned.i called my bank verified capital one never took the funds. For XXXX. The capital one rep XXXX said he will put my available balance back into my capital one account and he wanted to make sure I get the credit for XXXX as a curiosity for all the trouble I've had this pass week with capital one. The XXXX was pending 10hrs then I called capital one back they took it out of my capital one pending balance and said again your payment was returned.i called my bank verified again capital one never took XXXX out of
Product: Mortgage

From XX/XX/2020 up until now XX/XX/2020 our home Mortgage showing that we having made a payment, we have all of the receipt so what do we do to stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXXXXXX XXXX XXXX Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$80000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX  XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Mortgage

Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear Experian, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My phone has been stolen multiple times along with my wallet also all my XXXX accounts was took over and my phone and wallet had sensitive information in there all my accounts was already logged in my device so I lost full control and access to any accounts even through my XXXX I noticed my cash app has been zapped into a false cash out I didn't have no card linked on there it also would freeze up on me multiple times one of my bank cards from XXXX  XXXX XXXX was linked to my cash app also and they got stolen I'm just trying to find out if you can look into XXXX name $ XXXX
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports. Reporting each when the account is charged off. You are inaccurately reporting information on my credit report. ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. You have 15 days to removed it or you will be sued. 

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 1692c ( c ) ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This account has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) require the consumer reporting to show proof. I demand you to show proof of the original contract signed. ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX According to 18 U.S.C. 1028A This statute is about aggravated identity theft. It states that anyone who knowingly uses, possesses, or transfers another person 's identification without authorization can be sentenced to a minimum of 24 months in prison. You have been provided an identity theft report for ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. You refuse to remove the account. You are being sued by CFPB for inaccurately reporting on credit reports. You have 15 days to remove this account or you will be sued.
Product: Debt collection

On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : INCLUDED Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Money transfer, virtual currency, or money service

I was selling furniture on XXXX and received an offer to purchase it for {$60.00} on XXXX XXXX, 2022. The scammer told me that in order to receive their XXXX payment, I would need to update my Chase account and pay funds in order to receive the XXXX payment. Unfortunately I received the email and initiated payment because I fell for the scam. The scammer took {$350.00} from me and when I reported the scam to Chase, they put in a claim but later determined that they would not refund the funds to me. I saw a 7 on your side story about Regulation E and when I contacted Chase to inform them that due to regulation E, they should provide the funds to me, they still refused.
Product: Vehicle loan or lease

Hello, My car was declared a total loss in XX/XX/2023. My car loan with Bridgecrest was paid in full in XXXX of 2023. I have contacted Bridgecrest numerous times to request that they report to the credit bureau that my car loan has been paid in full. They have not done so and refuse to do so. I would like my credit report to reflect that my loan was paid in full. The information with Bridgecrest is below. They were paid a total of XXXX which paid off the remaining balance of the car loan.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a XXXX  notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report immediately.
Product: Checking or savings account

I deposited {$15000.00} with Citizens Bank on XXXX XXXX, 2022, in opening a saving account with them. They claim they never received the money, despite their acknowledging my deposit ( see attached ). The money was debited from my saving account with another bank ( XXXX XXXX XXXX ) and they have produced evidence that they did indeed transfer the money to Citizens Bank. The attached email, sent XXXX XXXX, is my latest demand to Citizens Bank that they return my money, with interest. I have received no response.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!