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

XX/XX/XXXX. Payment of {$500.00} auto payment setup by XXXX XXXX ACH payment to Sychrony bank or Paypal Credit. Listed as Paypal Trace Number XXXX Also see letter from XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I received an letter from Paypal credit stating my payment on XX/XX/XXXXXXXX  was returned and that it will be placed back on my account and may be subject to late fees. I checked with XXXX XXXX XXXX XXXX ( XXXX  ) and the {$500.00} payment was deducted and ample funds was available. I called Paypal and they said they need to see a front and back of the check and XXXX said they can give me a letter, but do not have a front and back since this was an XXXX or ACH electronic payment. I have also attached a copy of the email verifying that I have made a payment to Paypal from Paypal credit. They have given me a Temporary credit, but they will only accept a front an back of check. I have included my bank statement that proves the payment was deducted and paid. Not returned as stated by Paypal. This has happened to many customers based on line. I am reviewing my statements from Paypal for the past two years to see if it has happened before. I do not want the charges to be placed back on my credit card account since I will be paying off the balance and closing the account. Please investigate for this should be a violation of XXXX XXXX act of XXXX. I am not looking for monetary, but justice that this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX damage damage.
Product: Mortgage

This is a Constuction to Permament Loan Product. On the initial closing of the loan ( before construction started ) the closing attorney presented a " Construction Permanent Loan Term Acknowledgement '' to sign.Attached XXXX FILE. This disclosure is part of the closing documents. 

This disclosure clearly stated that if there is a delay in the construction of the house beyond 12 months, the bank will charge 0.25 % of the loan amount as fees for a 3 month extension. The disclosure refers to " modification of the note ''. The word NOTE typically means and was interpretated as the Amount, term and interest RATE.We had clearly asked the attorney if that means the interest rate as well and he had clearly said yes. We had also asked, why the bank representative was not pesent for the closing. 

After 12 months, when the home construction was delayed the bank took the stance that the disclosure is NOT referring to the interest rate but only to the construction phase. And to lock the interest rate, the fees would be 0.5 % of loan amount per month of delay of the loan modification ( construction to permanent ). This amounted to a difference of about XXXX dollars versus XXXX dollars in fees for a 3 month delay. The closing attorney agrees with my interpretation of the disclosure but the bank disagreed and insisted that interest rate lock is not referred in the disclosure. 

When asked why there is no disclosure or mention in the many pages of the closing document about any possible fees with regards to interest rate lock, the bank had no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I applied for a credit account with Amazon and was denied credit. I subscribe to XXXX credit reporting services,, so I was notified immediately that a hard inquiry had taken place by " Chase Card '' and that the company had pulled my credit report. Okay, so I understand that. This was on Friday, XX/XX/2019. I did not apply for credit following that. Imagine my surprise when I got another alert on Saturday afternoon, XX/XX/2019. The alert said that " JPMCB Card Services '' had pulled my credit report ( another hard inquiry ). I immediately looked up JPMCB and it said it was a Chase company. I looked up customer service so I could find out what was going on and was told that no one is available in credit reporting on the weekends - only Monday- Friday. I was understandably upset as I had not applied anywhere on Saturday. What if someone was attempting to obtain credit under my name, I asked? I was told that they still couldn't help me since it was the weekend. What kind of company in this day and age of security breaches does not have someone available on the weekends? If credit is able to be pulled on the weekends, someone should be available on the weekends to assist should there be an issue. I still have no resolution nor any indication of why my credit would be pulled when I did not ask for it to be, particularly when it was an additional hard inquiry and I do not have an account with Chase.
Product: Debt collection

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX XXXX XXXX was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. XXXX   hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or XXXX and equifx. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray XXXX equifax and XXXX recognizes the urgency in fixing these errors.
Product: Credit reporting or other personal consumer reports

Paid Account on XX/XX/XXXX Payment was for XXXX $ & XXXX $ Account only credited for XXXX $ not XXXX $ Contacted by XXXX XXXX CCompany stated XXXX $ not recieved XXXX acknowledge issue, Company stated When Account was edited for XXXX $ payment XXXX cancelled out the XXXX $ payment XXXX updated the payment, XXXX failed to remove XXXX  day late which significantly effects my XXXX XXXX as well as my Co-buyer, Account has never been late, Their lack of understanding is Unacceptable when the acknowledge the account was paid on- Time.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights to privacy. 
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 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : 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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C 1681 Section ( 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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$750.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$430.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

The 3 Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in a dispute to Experian and they continue to ignore my investigation request, and only remove the inquiry. They do not investigate the actual accounts, they ignore the dispute request all together. The following inquiry for XXXX XXXX XXXX was deleted. The account needs to be deleted as well as it does not belong to me. In addition, the following accounts need to be removed as well : These accounts do not belong to me : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Account XXXX. 
3. XXXX XXXX XXXXXXXX XXXX XXXXccount XXXX The payments have never been late on this account : XXXX XXXX XXXX
Product: Vehicle loan or lease

About a car XX/XX/2022 and I have never had a late payment though I had a hardship in XX/XX/2022 and contacted Westlake Financial and they gave me a one-time deferred payment and it was due to commence at the end of my payment schedule that was not reported and now it is a problem on top of that the amount I have paid on the vehicles over {$11000.00} and they only have roughly {$3.00}, XXXX reflecting on my credit report as paid the third thing is the {$15000.00} that I put down on the vehicle is not reflected in any kind of payment I don't see it put towards anything I just see everything added up also I was charged for an optional service plan and gap insurance when I clearly stated I did not want it and I did not need it because I had full insurance and it was a unneeded cost and that was a result in the amount of almost {$4000.00} and in closing the final reason is because they have the car priced at {$31000.00} sold at XXXX and my final payment at {$57000.00} all of which the XXXX in the XXXX that I have paid towards the vehicle is not reflected on was like Financial is not only unprofessional they're Rude mean and say very unprofessional things they do not get the job done they will give you every excuse as to why they can't fix their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I have a debt showing on credit report in the amount of {$10000.00}. I have called and sent letters requesting validation of this debt. I have never heard or done any business with this company.
Product: Credit card or prepaid card

This complaint is in regards to 8 unauthorized withdrawal transaction, made from my payroll prepaid wisely debit card. On the dates of XX/XX/2022, and XX/XX/2022, there were 8 unauthorized withdrawal transaction, made to my wisely account in total amount of {$2000.00} dollars on XX/XX/2022 there were 4 unauthorized transaction in the amounts of {$200.00}, {$400.00}, {$200.00}, {$200.00} from a XXXX XXXX atm XXXX bank on XXXX and XXXX in XXXX XXXX the total amount of {$1000.00} XXXX XXXX dollars on XX/XX/2022 there were XXXX additional transaction in the amounts of {$200.00} {$300.00} {$300.00} {$200.00} from a XXXX XXXX atm on XXXX XXXX XXXX XXXX XXXX bank in the total amount of {$1000.00} sum total of {$2000.00} I filled a complaint with wisely Adp but I was told that there were no error had occurred and that was the final response I received. I wrote them a letter requesting the information and documents that were used in there investigation and I have not yet received a reply to my request this Is why I'm filing thus complaint with you guys please help me retrieve my hard earned money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove FRAUDULENT information from my credit report. This is a direct violation of FCRA 605B, Equifax received my FTC Fraud Affidavits attached to this complaint on XXXX, ( 14 ) days ago. 

FCRA 605B states the following, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt How can a consumer reporting agency blatantly ignore laws they are required to follow? Remove this information now, or I will file suit and pursue this in the court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.