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

On XX/XX/XXXX I made a purchase online at Lanebryant.com and while checking out, I was offered a store credit card which I accepted and put the purchase on this credit account. I received damaged items and contacted the company to return these items. I was told that because of damage I would not be charged a return fee. I was credited for the return per the store credit card account on XX/XX/XXXX. I was charged a {$5.00} fee unbeknownst to me. I never used the account again. I was subsequently charged two late fees and when noticed the fee per a text message alert in XX/XX/XXXX I contacted the company. I spoke to representatives on XX/XX/XXXX who confirmed I was charged incorrectly. All charges including the {$5.00} and all late fees were credited to my account and I was supposed to have a XXXX balance. As of XX/XX/XXXX I have a balance due to interest charges ( that were not credited correctly ) of {$4.00} and this account is damaging my credit as it's incorrectly reporting as late on my credit reports. I never owed a balance on the card and it should never have reported as a balance owing.
Product: Debt collection

This collection agency is report payment status 120 days late on my credit report. This agency is in violation. Secondly the payment history is not reporting consistently nor accurately. The first missed payment shows 120 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020. How is this even possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY..

This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this issue in XX/XX/XXXX and start from XX/XX/XXXX, Transunion has charged me {$180.00} in total, with {$19.00} per month. I was charged without aware of registered as a membership. Transunion did not send me any receipt or notice of charging which is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a XXXX, which implies that her XXXX and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have abridged, deprived, denied, XXXX, hindered, impaired, impinged, infringed upon, invaded, restricted, suppressed, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was approved by PayPal for a PayPal credit account. I charged XXXX $ to the account on XX/XX/XXXX and wished to go and make a payment. PayPal is either unwilling or unable to confirm and/or accept the XXXX forms of payment I have tried to pay the balance with. They will not allow me to pay the balance with my debit card they have on file, and they will not confirm my checking account to allow me to pay with that. I have contacted my bank multipole times ant they have confirmed that there is no problem on their end, and that paypal has made no attempt to confirm or withdraw from my checking account. PayPal has put me into a customer service loop that goes nowhere and will not acknowledge that the issue is on their end. I just want to pay my bill, and they refuse to let me. 

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

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, Experian and XXXX XXXX. XXXX and Experian refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Product: Credit card or prepaid card

On XX/XX/2019, we tendered our card to what we thought was a ridesharing service and the driver scanned our card purportedly for payment. It turns out that they were crooks and a charge of {$1400.00} has been charged to our account from a merchant called " XXXX XXXX. '' I have sent a letter to Citicards asking that this unauthorized theft of our card number be reversed because it was electronically stolen. If the law only protects a physical theft of a credit card then the law is very out of date since electronic theft must be the new form of theft. It also seems to me that CitcardXXXX should have recourse to whatever merchant participated in this theft before it looks to us for payment.
Product: Mortgage

I applied for a Home Loan Modification due to inflation and the fact that I have not received a Cost of Living Adjustment. My Lender indicated that, " Your current monthly housing expense, which includes the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowner 's dues is less than or equal to 31 % of your gross monthly income which we verified as {$3700.00}. Your housing expense must be greater than 31 % of your gross income to be eligible for a Home Affordable Modification. If you believe this verified income is incorrect, please contact us. '' I contacted Specialized Loan Services and was told by a representative named XXXX that they are allowed to increase my Gross income by 25 % which I do not make. After taxes, and other deductions, My Social Security income is {$1400.00} and my retirement income is {$1500.00}. The total is {$2900.00}. My Gross income is no where near {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX  XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX -Inquiry XX/XX/XXXX ( not authrozied TO BE REMOVED FROM EQUIFAX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I was offered a business line of credit and visa card thru a banker at Regions Bank in XXXX, FL. I used the account to help my business. In late XXXX my personal life took over my XXXX  concerns when my wife was put into hospital. I had to take care of my XXXX small children. In XX/XX/XXXX my wife recovered and I turned back to my XXXX  which was in trouble. I have spent the last years getting my XXXX  back on track somewhat successfully until very recently. In XXXX I fell behind in payments on my line of credit and Visa card. My wife and I communicated with the bank and made smaller payments when we could. What we did not know was that the banker who had given us the loan had moved to another bank and we had no account manager. As things deteriorated, we tried talking to many people at Regions and no one really helped us. We wanted to turn the credit accounts into a long term fixed rate loan. We were not getting anywhere and we got calls from Regions reps asking for payment ( we found out later that they were collections agents who work directly for Regions but would never identify themselves as such. We thought we were still working with the bank. We continued to make payments on the line of credit and Visa card up until XX/XX/XXXX. We then found out that the loan had been charged off in XX/XX/XXXX. We have not been able to make any progress to get the accounts back in good standing. We are not sophisticated financiers. We have found out that the line of credit is listed as an " automobile loan ''. In early XXXX, I had a representative on the phone and as usual was asking about the state of the account and had it been turned into a long term loan. She said that it had and when I asked what the rate was she said : zero. She also gave us an opportunity to pay {$77000.00} to pay off the account or make monthly payments of {$980.00}. I told her that we were not able to pay the {$77000.00} but were willing to pay the {$980.00} per month. After the call, I was a little confused since she was with the mortgage loan dept. My wife had called the number back and got another rep. who told her that if we did not get current, the bank would " take our home ''. 
At this point our business is back on track and trying to expand and we are unable to move forward since we cant make any progress with Regions. I still have no account rep. I cant get an answer as to where the money I paid went to. It cant pay down a charge off. Our family owner company is struggling to survive and we need some resolution and a path forward to resolve the past with Regions and we keep getting bumped into the mortgage foreclosure dept. This is all a result of our account manager moving on and Regions not assigning us a new account manager. Instead we got swept up into a huge online system and have experienced tremendous hardship as a result.
Product: Credit card

I signed up for an XXXX Chase Credit Card, and one of the promotional offers was 20 % off any XXXX points purchase on the credit card. I purchased points on XX/XX/2024. I tried to resolve this with the company. They said no promotion exists on my account. I explained that Im currently logged into my chase app, staring at the promotional off, explained it was also part of the reason why I signed up for the card. I asked for an email address to send the screen shot of my account. They denied me an email address. I then attempted to contact XXXX about the issue and they said there was nothing they could do. I contacted chase again to dispute the transaction of {$400.00} completely since they are not honoring their promotion. Almost immediately they denied my claim and have not received any written notice from them. Ive waited for emails and calls back about the item but nobody will reach back out to me about the issue.i should have been charged {$320.00} and they charged me {$400.00}. Attached is the confirmation of purchase showing the full {$400.00} was charged instead of {$320.00}, also attached is the promotion on my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balance : {$100.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a conventional mortgage with NewRez mortgage and despite numerous calls and e-mails the company continues not to acknowledge I have overpaid on my escrow and refund overage The company has paid my XXXX tax bill reflecting amount that will need to escrowed for XXXX and tell me they never got my tax bill
Product: Debt collection

I agreed to start alarm service with XXXX on XX/XX/18 for $ XXXX but received a notice/bill for {$48.00}. I never signed a contract for {$48.00} but the technician did sign my name electronically while I only signed a manual one for {$27.00}. I have a copy of both contracts. I requested to end service when I found out this happened which was within the first month as I would never do business with a company that did this - essentially they are sticking to the {$48.00} contract is valid and it is not, I only signed the {$27.00} of which they never address. Again I've never paid them anything not one month and never used their service but they have put it on my credit report. I have disputed this and with the collection company who bought this, Complete Credit Solutions who just provides the 2 credit bureaus with the fraudulent contract and rejects my dispute. I have a copy of everything, exhausted from explaining my case to XXXX, Complete Credit Solutions, submitted fraud affidavits, etc. I want it removed from my credit report and after all this hassle I'm good with suing XXXX and Complete Credit Solutions as they have very little info but a forged contract yet I have the one I actually signed and attempts to validate that have gone dismissed.
Product: Bank account or service

I received an alert from Chase Bank that my account was overdrawn on XX/XX/XXXX, I then logged into my Chase Bank account and discovered that check # XXXX written on XX/XX/XXXX was altered and cashed for an amount I did not authorized. At that time, my check registrar started with the check # XXXX, so I was unable to track who I wrote the check to or where. The amount I wrote the check for was {$3.00}, and I gathered it was a tip for a service rendered. After several questions including my spouse 's active military status, Chase informed me that I would have to complete an affidavit, and return it in order to launch an investigation. Next, I visited a Chase Bank and spoke to a manager that looked into my account, commented on the alteration, informed me that a check older than 6 months should not be cashed. He also explained that my check had been " washed '' which explains several items on the check that are not in my handwriting. He assured me that my monies would be returned. XX/XX/XXXX received the form, had it notarized and faxed it back to Chase. XX/XX/XXXX received another alert that I had now incurred a {$34.00} insufficient funds charge due to this theft. I was informed by Chase agents that these fees would be returned once the investigation came to a close. XXXX-I telephoned Chase 's Customer Claims Department and was told that my claim had been approved and that {$330.00} would be deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, I checked my account, no funds. I called the Claims Department and was informed that my claim had been denied because the other bank requested a duplicate copy and since I did n't have XXXX my claim was denied. I requested a supervisor, I was connected and told the same thing. I explained the matter once again and was told the item would be reviewed once more and to call back on XX/XX/XXXX To date, I have not received a denial letter from Chase or phone call regarding this matter. Today I telephoned Customer Claims and was told my claim was denied due to my lack of a duplicate and because I wrote the check for cash. I explained that I can not produce an item I do n't have -a duplicate and I never read any literature from Chase stating that if I write a check for cash and it 's altered I as a customer would have to deal with the repercussions.
Product: Credit card or prepaid card

On XX/XX/XXXX I made purchase for three different items on XXXX for {$100.00} When I received the first item it didn't look as website stated. I request a label to send it back. The 2nd item came the next day and it was defective. I follow the details to contact XXXX for this return. I was not able to contact XXXX so I contact XXXX, since I used my XXXX credit account. On XX/XX/XXXX I spoke with young lady that open a disputed. I ask her if I should send back the first item ( ring ) since I got the go a head for that. I also told I did not received the 3rd item and no longer want it. Since I am already having a problem contacting XXXX. She advised to hold on to all item ( when I received 3rd items as well ) until XXXX contact me. After that I heard nothing. I called XXXX on XX/XX/XXXX since then I have been contacting XXXX and keep getting different information each agent I speak to. I received a email on XX/XX/XXXX that I missed sending additional info. When I call I found out I was sent an email. I check my junk mail found an email. I advised the agent I have been in contact and no one ever said before that I was sent an email. After this process I send pictures. The case got closed when began another process. I was later able to send back the items and got a refund for the shipping cost. on XX/XX/XXXX I got a credit for {$53.00} which is not my full refund. I contact XXXX and I am getting no where. Based on my experience. I call XXXX and their agents tell you anything just to get you off the phone. They don't listen very well, you have to keep repeating yourself and when it's to where you are on the same page, they transfer you and you have explain and try to bring them to what you are calling about. They again tell you anything to get you off phone. A XXXX is never available. Today XX/XX/XXXX I told agent XXXX from the XXXX that I want to speak to XXXX she state none was available when I insist. She assured me one would call me back in 30 minutes. She confirm my phone number, but know has called me back yet which is more than hour now.
Product: Mortgage

I requested a modification due to falling behind two pmts and have been dragging 60 days late when started a buisness, my property taxes increased created a big shortage, loan due to be adjust in   XXXX   to a higher rate. I received a modification package offer is ridiculous 2 % 1-5 then afterwards keeps adjust higher up until 10 years w/ a Balloon note of $  XXXX  at the end of term and to top it off they added more years to my note when what I am looking for is less years roll my shortage and payments and reduce years fix rate ... this would put us @ 78 years of age and still have to pay $  XXXX  Balloon note at the end of the term. from a loan of  XXXX  balance to pay off an average of $  XXXX  which includes the  XXXX  I Honestly do think they are trying to help us? No I do not thinks so! we owe approximately 27 %  XXXX .     I DONT CARE IF MY LOAN PAYMENT IS {$2500.00} A MONTH BUT I WANT A FIX RATE  XXXX  OR 15 YEARS DONT WANT MORE YEARS TO MY NOTE. ***THEY HAVE ALL THE DOCUMENTATION THEY NEED FROM ME.     YOUR ASSISTANCE IS MUCH APPRECIATED.      XXXX   XXXX   XXXX   XXXX
Product: Debt collection

FIRSTSOURCE advantage has been sending emails demanding I pay an unvalidated debt with false and deceptive forms 15 USC 1692j. With no prior consent from I consumer pursuant to 15 USC 1692 ( c ) ( a ). This is extortion due to the FACT I have no known authorized CONTRACT AGREEMENT with FIRSTSOURCE ADVANTAGE.
Product: Credit reporting or other personal consumer reports

In the last 30 days, I have asked that an account with XXXX XXXX  ( XXXX ) be removed from my credit report because it is over XXXX XXXX XXXX. It shows a last payment date of XXXX XXXX, XXXX  ( first missed payment ) on my credit report. Last payment date was actually XX/XX/year>. While I have stated this in my dispute twice now, it still remains on my credit report.
Product: Checking or savings account

I Deposited a sum of XXXX via ATM. 

I also notified the bank prior to deposit to see if it would be accepted. 

As I got confirmation that it would, I went to the bank I deposited the full amount and notified them that I only received {$600.00} in credit. The denied my claim and ask me to submit a deposit stub from the bank and I did that exact thing they opened a new claim on XXXX XXXX it's not XX/XX/XXXX I received no provisional credit. After 10 Business days this is despicable that funds I deposited were not only mine.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I submitted an identity theft report and my signed affidavit under penalty of perjury to show that the account XXXX did not belong to me. On numerous occasions I asked for evidence being used to prove Capital One 's claim that they verified the account. I was not provided any information about their investigation. Capital One has not submitted any affidavits under penalty of perjury. I requested a validation of debt and was not provided this information.