23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX  and XXXX  with no resolution. There's been no validation of a legal verification that responsibility of the debt.
Product: Credit reporting

Immediate correction required : Numerous positive tradelines are missing from my credit report, creating the inaccurate " short '' credit history that has damaged my credit. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Product: Credit card or prepaid card

In XXXX, through XXXX XXXX, I applied for credit at Citi and I was denied. I have never had a late payment. Again in XXXX, XXXX XXXX invites me to apply for a Citi card and I was again denied. Starting to think this is another case of racism. There is absolutely no reason to be denied with a credit score of XXXX and under 23 % usage.
Product: Checking or savings account

I purchase four purses on XX/XX/2020 for {$110.00} in total via Paypal, which is linked to my primary checking account. The merchant never shipped the purses and instead charged my account twelve times for {$9.00}. The total deducted from my banking account was {$110.00} which was NOT authorized ( I authorized {$110.00} ), nor did I get my purses. I went to check on the status of the order and the merchant appears to be out of business as their website isn't coming up now. Paypal denied my dispute in case XXXX and I can not get refunded the {$110.00} even though I never got my merchandise and the merchant appears to have ghosted. I've filled out a new case request of XXXX. Please help!
Product: Credit reporting or other personal consumer reports

XXXX listed on Experian as a collection account, not reporting accurately to Experian, spoke with Experian who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.
Product: Credit reporting

Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my credit report.
Product: Mortgage

Due to the financial impact of the CoVID19 Virus Pandemic, Wesbanco Bank solicited an offer to mortgage holders with certain qualifications to defer mortgage principle and interest payments for 3 months. This solicitation was sent via email the last week of XXXX and did not include any further details pertaining to the program, but encouraged recipients to call for further information. Upon contacting the Bank to inquire about the program, I was given the same statement - 3 months deferred principle and interest payments. The phone conversation included the statement that those 3 payments would be added to the final payment at loan maturity as a balloon payment. The only payments required during the " relief period '' would be the required escrow payments. 

At this point, it would appear, based on the statements made, that at loan maturity one would be making a payment that was equal to 4 scheduled payments. This is further supported by the cover letter accompanying the contract for signature. I have included this document as an attachment, wherein one can see that there is no mention of interest accrual. The statement is made, however, that " The deferred payments will be added to the final payment under the terms of the Note causing a balloon payment due on the Maturity Date ''. 

Only when the " contract '' is presented for signature does the bank reveal that interest will continue to accrue over the " relief period '', and is added to the final balloon payment. Neglecting to reveal this at the beginning is very deceptive, and in my opinion is intentional, with the Bank hoping that consumers will not read the final contract, or that consumers are in such financial distress that they have no other option but to agree to these terms. This is a predatory tactic that does not provide any " relief '' to the borrower but only serves to line the pockets of the lender. 

I would encourage the Consumer Financial Protection Bureau to do its part to stop such predatory tactics during this time of financial hardship for some many in this country. I am fortunate to have other options at my disposal, although a 3 month deferral would have been greatly appreciated. Many others are not so lucky and may have no choice but to commit to such a financial burden which could potentially result in future loss of their homes should they not be able to fulfill the obligation of the extraordinary balloon payment at loan maturity.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!!
Product: Payday loan, title loan, or personal loan

My complaint is regarding my application for personal line of credit on XX/XX/XXXX with  Wells Fargo Bank. I went to the local bank and after the teller imputed my info in the on-line application, I was denied automatically on the spot for a line of credit of {$100000.00}. 

On XX/XX/XXXX I received a letter from the bank stating I was denied and listed the reasons. Please see attached letters. 

One of the reasons was that I had high debt to income ratio, when in fact I have no debt as confirmed by XXXX credit report which the bank said had used for this application. Other reason was bankrupcty and foreclosure which occurred almost 2 years ago. 

I called the bank and told them to look at the credit report and to see that I have no debts, but they said they do n't have the credit report to verify this information. They were n't able to respond how I was denied based on debt ratio when they do n't have a credit report. 

I responded with a letter ( attached ) stating I have no debt, and asking the bank to provide me with written documents backing up their assumption I have debt, calculations used for debt/income ratio, and bank policy on timeline and refusal of credit after bkcy and foreclosure. I included with the letter a copy of my XXXX credit report, XXXX 's for last two years and paychecks showing my income and ability to pay back a credit line. 

Wells Fargo sent me a letter on XX/XX/XXXX only repeating the reasons but not providing any detailed information as I requested, nor explanation for error refusal based on assumed debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute through Equifax for an account shown on my credit report for XXXX XXXX and my dispute was assigned a confirmation # XXXX. 
The XXXX XXXX account was opened on XX/XX/XXXX and there was no payment made on the account as my credit report shows no date for the date of last payment ; yet, XXXX XXXX is reporting the date of 1st time being delinquency was XX/XX/XXXX. The account history on my credit file only shows activity starting XX/XX/XXXX and shows as a charge off account. 

As no payments were made since the account was opened on XX/XX/XXXX, since it has been more than 7 years I submitted a dispute for the account to be removed from my credit file. 

I received notification on XX/XX/XXXX that the investigation has been completed and the item is still shown on my credit report. The only change made was a comment stating " Account Previously in Dispute - Now Resolved by Data Furnisher ''. This comment does not indicate specifics about the results of the dispute investigation. 

If the dispute was found to be accurate, they need to clearly indicate it is correct but based on no payments made and opened in XX/XX/XXXX but not reported as delinquent until XX/XX/XXXX with the history showing information starting XX/XX/XXXX. Based on these facts and the account has been on my credit file for more than 7 years, it should be deleted from my credit report or inform what corrections will be made to the credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from XXXX  XXXX  on XX/XX/2023. I've contacted them in regards to the inquiry that I never authorized. I've also reached out to Experian to remove this unauthorized inquiry with no avail.
Product: Debt collection

I have asked XXXX from the ARG Group collection firm not to call my work that I can not have those calls. He called today and told someone that he needed the address to my work so they would know where to send the court subpoena.
Product: Mortgage

I am writing to formally address an ongoing issue with my mortgage servicer, Veterans United, regarding the adjustment of my escrow account following the approval of a 100 % property tax exemption. 

On XX/XX/year>, I received confirmation from the City of XXXX, Michigan, that my property was granted a 100 % tax exemption. I promptly contacted Veterans United on the same day to notify them of this exemption and was informed by customer service that my escrow account would be updated accordingly within 3-5 business days. 

However, on XX/XX/year>, I followed up with Veterans United and was informed that only a partial exemption was reflected on my account, and the escrow had not been adjusted. Despite the approval of the exemption, I was still required to pay approximately {$490.00} per month in property taxes. I was advised to resend the documents verifying my exemption status, which I did via email. The representative confirmed receipt of the documents. 

On XX/XX/year>, I contacted Veterans United again to confirm the adjustment of my escrow account. I was told that the documents were not on file and that I needed to resend them. I complied, and I was assured that the account would be updated within 3-5 business days. Despite these assurances, no changes were made. 

On XX/XX/year>, after noticing no adjustments, I sent the documents yet again. Today, on XX/XX/year>, I called Veterans United to check on the status of my account. I was informed that no adjustment had been made. The representative facilitated a three-way call with the City of XXXX, during which we were informed that I owe {$0.00} for the tax year 2024. I also received a written statement from the tax assessor in XXXX, MI, confirming that I have no tax obligation for the tax year 2024. 

I am deeply concerned about the repeated miscommunication and failure to update my account accordingly. This issue has caused unnecessary stress and inconvenience. I request an immediate adjustment to my escrow account to reflect the 100 % tax exemption for 2024 and a formal acknowledgment of the error. Additionally, I seek assurance that such issues will not occur in the future.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian, XXXX. Despite my formal dispute about inaccurate or unverifiable information on my credit report, the credit bureaus claimed the information was verified but failed to provide the required method of verification ( as outlined in Section 611, 15 U.S.C. 1681i ).

This lack of compliance is unacceptable and has caused harm to my financial health. Additionally, my personal information has been leaked in several high-profile data breaches, which makes it even more critical that these credit bureaus fulfill their legal responsibilities to investigate and verify disputed information accurately.

Specifically : 1. I submitted a dispute to the credit reporting agencies requesting verification or correction of inaccurate items on my credit report.

2. The agencies responded that the information was verified but did not provide any documentation or details explaining how the verification was conducted or the sources used.

3. This failure to provide a method of verification violates my rights under the FCRA, which entitles me to receive the details of any investigation. 

Furthermore, the exposure of my personal information in data breaches increases the risk of fraudulent activity, making it essential for the credit bureaus to handle disputes with diligence and accuracy. By failing to comply with the FCRA, the credit reporting agencies are compounding the potential harm caused by these breaches and jeopardizing my financial security. 

I believe the credit reporting agencies are engaging in negligent and/or willful noncompliance with federal law, and their actions ( or lack thereof ) have caused me financial harm by : Allowing inaccurate or unverifiable information to remain on my credit report. 
Preventing me from fully correcting errors, which affects my ability to secure fair financial opportunities. 

If these violations persist, I will escalate my complaints to the Federal Trade Commission ( FTC ) and pursue legal action under the FCRA to protect my rights as a consumer. 

I respectfully request that the CFPB take immediate action by investigating this matter and ensuring that these credit bureaus comply with their legal obligations. Specifically, I request that : They provide the method of verification for the disputed items. 
Any unverifiable or inaccurate information is promptly removed from my credit report. 
They address the implications of the data breaches on my credit profile and take steps to ensure accuracy and security moving forward. 

Thank you for your assistance in addressing this serious issue. I look forward to a resolution.
Product: Debt or credit management

online purchase from XXXX XXXX submitted purchase, withdrawal of {$66000.00} on PayPal credit card. called company XXXX within XXXX hours to cancel purchase. informed response from merchant " should have thought about that before submitting purchase '' called PayPal and started " Dispute, reply from PayPal inflator of merchant. they said company delivered produce to billing address. nothing delivered, merchant is lying. closed PayPal account until new 'dispute is inflator of client. this whole transaction has been nothing but a XXXX XXXX and transaction. XXXX
Product: Credit reporting or other personal consumer reports

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, American express accounting ending in XXXX and American express bloomidales\citi bank car ending in XXXX and any other American express account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. American Express corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later  it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Credit reporting

I have disputed the ( XXXX ) Chapter XXXX 's several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX 's that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Product: Credit card or prepaid card

I use prepaiddigitalsolutions.com as a way to save my income from a few investments that I have online and a few days in the date of XX/XX/2021 I found that my account was CLOSED with money inside and without any further warning or email explaining the reason was my account closed and I took the action to contact the customer service about this issue happened and they explain to me that my account was closed because some of the tokens that I redeemed in the website ( token is a code that you receive from rewards websites with an amount of $ inside and this is loaded into a virtual prepaid debit card ) was obtained in a fraudulent way and they can't do anything in this case, after this call which I want to mention that I never received any confirmation in my email about the status of my account I lose access to my account because the support change my personal security question without my knowledge and in this point, they close my account with this amount inside : {$6700.00} because a few tokens were obtained in a fraud way but they never told me WHICH tokens were obtained in an illegal way and delete from my account or any way to recover the fund that they think " was properly obtained in a legal manner ''. this situation is ongoing since XXXX XXXX of this year. I want to talk about the situation on XXXX XXXX that I've talked with the customer service several times and also talked with a supervisor called XXXX and they change the EMAIL attached to mine account and changed several times the security question to denied the access to my account. also, they never inform me about the changes in the email of my account and the security question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Opened XX/XX/XXXX {$200.00} My report for XXXX and TransUnion is show 2 different reporting. XXXX is showing my account was late in some months and TransUnion is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have XXXXwo different reporting when it's the same account. 

XXXX XXXX- opened XX/XX/XXXX {$1700.00} My XXXX is showing the last payment on XX/XX/XXXX and TransUnion is showing XX/XX/XXXX. Then TransUnion is showing the account was never late, but XXXX is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Accounts below, have violated my rights 15 U.S.C.1681section 602 A States I have the right to privacy Accounts ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not open an account without my written instructions 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 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 accurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my repeated attempts to resolve this matter, the inquiries remain on my report, causing unwarranted damage to my creditworthiness. This situation is particularly frustrating given that both XXXX and XXXX promptly removed identical inquiries upon my dispute with their respective agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>