23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I purchased a XXXX bucket of freeze dried meat on XXXX for {$200.00}. I paid through paypal using my Paypal Synchrony credit account. I never received the item, so I opened a dispute with Synchrony credit. As evidence, I submitted an internal USPS trace on the tracking number provided by seller. It shows that the package was sent to a different address in my town, a couple miles away. It also showed that the package only weighed a few ounces, when it should have been over XXXX. The seller only provided the same tracking number as evidence in the dispute, which only showed that it was delivered to my town, but not my specific address. They ruled in the sellers favor and denied my refund, even though I proved I did not receive it. I re-opened the dispute twice, and both also ended in sellers favor. This is not right and I want a refund for non-receipt of merchandise.
Product: Checking or savings account

XX/XX/2020,,, Cont,, Issues,, Not Fixed Yet,,!!!,, And To Send Something,, ( New ) That Maybe Helpful Too,, Wells Fargo Bank And Company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. XXXX Bank ( XXXX ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. XXXX
Product: Credit card

I pulled my credit report from XXXX, on XXXX/XXXX/XXXX and XXXX. Wells Fargo has continually reaged a debt monthly that was charged off in XXXX. I had tax consequences in XXXX. They ca n't say a debt is still owing if they have charged it off. I want them to remove the still owing or past due balance. They are also doing this to my ex husband. They have violated the Fair Credit Reporting Act for over 3 years by re aging a debt written off and closed in XXXX. XXXX XXXX was the 180 day write off period. the FDOD was XXXX XXXX. 
I will never be able to get back on my feet if they continue this illegal tactic for both my self and my ex husband.
Product: Debt collection

My deceased father signed a lease agreement in XXXX of XXXX for the address XXXX XXXXXXXX XXXX XXXXXXXX Tx. his name is XXXX XXXX XXXX DOB is XX/XX/XXXX. he died in XXXX our names are very similar, only the middle name is different. I have a case # through the Police dpt. of XXXX XXXX & i have sealed documents from the state of Tx proving i did not sign this lease agreement. XXXX who the lease was signed with & national credit systems the collection agency both refuse to listen to me. XXXX XXXX the collection representative for NCS was very rude & told me i was responsible for my deceased fathers debts. My father was married & my mother has even tried calling them to tell them she would inherit the debt. but no help. they will not provide a copy of the lease because they say i cant prove im the signer of the lease but they have no problem coming after me for the debt. when my dad signed the lease in XX/XX/XXXX they ran his credit report, not mine. that can also prove the lease was NOT signed under my social. my credit report would be perfect if it wasnt for this collection & its not even me!
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Original creditor : XXXX Balance {$920.00} XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I reported to XXXX back in XXXXXXXX XXXX XXXX that there was a fraudulent account opened under my name. I was told not to worry XXXX would clear up this. I have been calling every week and Im told they are working on clearing this up and not to worry I dont need to make a payment on the fraudulent account. 

Starting in XX/XX/2023 XXXX started reporting me for not paying my bill while the account is being investigated. This contradicts what they are telling me on the phone. 

I feel like they are not trying to help me clear this matter up and are being deceptive.
Product: Mortgage

In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer.
Product: Money transfer, virtual currency, or money service

Hi, I believe it was a mistake closing my account. Im using paypal for online business, digital goods and services like XXXX  and XXXX  services since XX/XX/2022. My account : XXXX has a stuck funds of XXXX XXXX and I want to withdraw the funds for emergency purposes. Thank you for helping
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( Block inc ) .. due to inadequate which violate the consumers financial protection Act ( CFPA ) .. specifically, Cash app Failed to take timely measures to prevent and address Fraud on there Platform Leaving my account vulnerable and unprotected. Futher more, their dispute resolution was unfair and deceptive, as they did not Comply With Error Resolution Requirements under the Electronic Fund Transfer Act. ( EFTA ) and regulations E. These Actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Credit reporting

I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.
Product: Credit reporting or other personal consumer reports

I had XXXX charge me for a home phone which I never had. It was for XXXX dollars. 
I had only a cell phone with them. 
It came off my credit report but now was sold to a company XXXX XXXX and XXXX took it off again. But XXXX and transition wont. Im not happy that I pay for their services and there not protecting me. 
Again that is not my bill. 
Thank you
Product: Money transfer, virtual currency, or money service

Based in emails from XXXX from company XXXX XXXX XXXX, I sent money for invoice XXXX via wire transfer XXXX XXXX. 
This money send in two wire to Bank Name : JP Morgan Chase bank Bank Address : XXXX XXXX. XXXX, XXXX. XXXX, FL. ZIP, XXXX. 
Account Name : XXXX XXXX  XXXX  Routing Number : XXXX Account Number : XXXX one of XXXX USD another XXXX USD XXXX XXXX XXXX send me an email asking me for money In consecutive days the question has been kept. I always answered that it was sent on XXXX XXXX. 

XXXX XXXX, XXXX from XXXX XXXX  send me an email with inquiries about the money, and I tell her that i used the payment method that she send me, wire transfer. She deny this. I sent a screenshot abaout her email. 
And She Said " Oh my goodness! The very email that tells you that we can not charge a debit card would be the red flag, and I have never heard of XXXX. Also, we have been told by our own bank that wire transfers are the easiest way to get scammed so we never do them. A lot of the typing appears to be another language not of southern accent if you will. I am so sorry to hear this! Do you send wire transfers often? If you do, you must stop. These people are vultures and are just waiting for a situation like this. '' and today I have gone to file a complaint with the Spanish police. to Reportfraude.ftc.gov and CFPB .Since the WISE platform is not responsible for anything and JP Morgan Chase is impossible to communicate in Spanish
Product: Credit reporting or other personal consumer reports

I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from Equifax, XXXX, XXXX. I provided them Equifax, XXXX, XXXX with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC XXXX
Product: Debt collection

This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows on my XXXX XXXX I owe XXXX  and a XXXX XXXX of XXXX incorrect information! I owe XXXX and my XXXX XXXX is XXXX! I have not owed XXXX on this XXXX. XXXX XXXX Credit Card shows I owe XXXX I paid my XXXX XXXX Card off on XX/XX/2022 I owe XXXX. This is false reporting on my XXXX XXXX by XXXX, XXXX and XXXX!
Product: Money transfer, virtual currency, or money service

XXXX someone send it to their cashapp without my permission
Product: Credit reporting or other personal consumer reports

I contacted west creek financial in XXXX about a car lease on my credit report that I never applied for and asked for the original copy of the credit application so I could see who opened this account in my name if you look at my credit report I was never late with any of my payments until this issue now it is in collections the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel XXXX I never received the the copy of the original credit report I would like to have this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I requested a 1099-C and after more than 30 days they couldn't provide it
Product: Money transfer, virtual currency, or money service

Starting over a year ago in XXXX XXXX XXXX and most recently XXXX XXXX XXXX Venmo has been wrongfully restricting my funds in their account and has even held my money making several different claims such as there is a bug in the system which engineers are working to resolve. Then making other excuses such as you are violating user terms and agreements which is also a false claim. They have held my funds against my will after I have submit full proof and XXXX  documents on several occasions since XXXX without reason. I would like to discontinue using this fraudulent service and recover the {$200.00} from my account which they are wrongfully holding against my will beyond 190 days on multiple instances without reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$7900.00} ; XXXX XXXX  XXXX Balance Owed : {$4900.00} ; XXXX XXXXXXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Balance Owed : {$25000.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, a check for {$16000.00} was deposited in my account, for payment. The check cleared, and I was able to withdraw {$3900.00} on the XXXX with no problems, after I went into the branch and verified my identity with the banker. Out of nowhere, Chase puts a hold on my account, now saying they need to verify with the maker of the check, before I can have access to the rest of my funds. Ok, no problem, but for some reason they can't seem to get in touch and now I am being penalized with no access to funds and threats of closing my account with a remaining {$12000.00} in my account. I also gave Chase a direct number to use, which they are saying is not in " there '' system??? I'm wondering shouldn't they have done all of these protocols prior to clearing the check and releasing my funds, just to now find a way to close my account and keep the money that has already cleared. Not sure if this is even legal. 
Please have them release my funds as soon as possible, it will be extremely appreciated! 
Thanks
Product: Checking or savings account

I just received an email about in ordering to prevent fraud, they need me to verify some information. After i called them, they just told me my account has already been closed and its final decision, and they will end relationship with me. Without any reason, and all my money now get holded because they are doing this, and that might take several weeks or months for me to get the money back. I am a student and all that money is for my living, i really need money back.
Product: Debt collection

RE : Account Validation To Whom it May Concern : This letter Is in response to your recent claim regarding account XXXX*, which you claim you have verified, such as I owe XXXX! 

You have failed to provide me the copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my wet ink signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau ant the Attorney Generals Office, should you continue in your non -compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, ant the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Furthermore, on your behalf to provide a copy of any alleged contract or other instrument bearing my wet ink signature may result in a small claims action against your company. 

I would be seeking a minimum of {$1000.00} in damages per violation for ; -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX. XXXX   XXXX XXXX, Ga XXXX SSN : XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

Whatever is on my consumer statement is getting me denied for a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen and use to open XXXX  XXXXXXXX XXXX XXXX account. i contact the credit company and XXXX XXXXXXXX and let each know but the account is still on my credit
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. However, I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Experian regarding my XXXX XXXX account. The dispute was related to the accuracy and the account being tied to me. On XX/XX/XXXX the dispute was updated but the date the account closed changed from over a year ago to XX/XX/2020. This caused my mortgage credit score to drop more than 45 points. Because its now showing as a new negative when in fact its over a year old. This has now caused an extreme burden on myself and family as that is inaccurate information. As a Veteran I was looking to purchase a home this year and now that may be out the question. Experian updated information and changed dates that are available incorrect and unfair to the consumer.
Product: Debt collection

The Complaint is against XXXX XXXX XXXX they are attempting to collect XXXX for me that I do not legally owe them because my information was obtain without my knowledge and an account was open using my information without my knowledge and without my consent.This account has been placed on my credit and is hending me from obtaining variety of things do to the negative information they are reporting to the credit bureau.I have reached out to them several times with disputes and also phone calls and they have been refusing to fix the issue
Product: Checking or savings account

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX