23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX. In the Summer/Fall of XXXX, I began encountering difficulties accessing XXXXXXXX XXXX  XXXX XXXX XXXX. In extensive communications with them, it became clear that the technical difficulties were entirely on their side. XXXX assured me they would be addressed and corrected. 
XXXX. I traveled overseas, to the deep jungles of XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX. I had no cellphone voice capability, and very limited data capability. However, I did have enough access and bandwidth to log in to various accounts and pay my bills... which I proceeded to do for all my accounts : XXXX XXXX, XXXX, and XXXX. XXXX, though was *still not functional*. Therefore, I could not pay that account, due entirely to technical difficulties with and caused by XXXXXXXX XXXX payment site and system. 
XXXX. When I returned to the XXXX, I discovered that XXXX had already filed derogatory " overdue payment '' reports with the relevant Credit Reporting Agencies. I contacted XXXX immediately upon my return, and offered to pay them immediately and in-full, just as I had for EVERY MONTH that I'd had this account with them, over the prior XXXX years. My only ( conditional ) request, was that XXXX acknowledge that the lapsed payment was due to problems with their payment system by reversing the derogatory reporting. 
XXXX. XXXX refused to accept full payment, in exchange for acknowledging their problem and correcting the erroneous reporting that flowed from it, and continued to do so every time I contacted them ( > XXXX times ) over the succeeding weeks and months. 
XXXX. XXXX has ruined my XXXX XXXX, which has been over XXXX for DECADES, because they refuse to be accountable for their failed electronic payment system. This needs to be corrected ASAP.
Product: Checking or savings account

I visited my local Chase Bank to add my son as beneficiary to my account. The bank employee made a mistake an entered my social security incorrectly to the document. A few days after my visit, I received an email from Chase Bank that my social security number had changed. I worried it was a scam, so I sent a secure message to the bank. They acknowledged sending the email and told me to call XXXX number. I called and could not access account using last 4 digits of my social security number. This occurred on XXXX. Since then I have requested help from them. I received a letter a few days ago asking I complete a XXXX and another form requesting Social Security verify my number. I don't understand why they are asking for completion of these documents. They entered my social security wrong on the document prepared by their employee. Why can't they re-enter the correct social security number?
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/ 2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.
Product: Bank account or service

I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.
Product: Credit card

We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the validity of an alleged bankruptcy on my credit report with all XXXX bureaus. All XXXX bureaus verified the alleged bankruptcy as valid. I then sent a letter to the court house where the bankruptcy was housed. In the letter to the courthouse I stated that according to my report there is an alleged bankruptcy on my record from your court house. Are you subscribed to the bureaus that is reporting the information as accurate. The courthouse sent me back a letter stating they are not subscribed to the bureaus to have any information placed on my report. It was not validated through them. A follow up investigation led to the bureaus stating they verified the information through Lexis Nexis. I sent a letter, which is attached, to Lexis Nexis specifically asking for what documents they had to verify the alleged bankruptcy. I received a letter from Lexis Nexis, which is attached. The dispute statement was inaccurate. There was no information given on what procedures or documentation was used to verify the alleged bankruptcy.
Product: Debt collection

On XX/XX/XXXX,2017 Midland Funding added to my credit report for {$680.00} for unpaid credit card that already exists on my CreditReport for XXXX XXXX.
Product: Checking or savings account

Issue : PayPal permanently limited my account whilst it had a large sum of money on it without any valid reasons. 

Hello, My name is XXXX XXXX XXXX XXXX My Reference ID : XXXX My PayPal Email : XXXX I'm writing this email because despite multiple attempts to contact PayPal customer service inquiring towards the reason for my account suspension, I keep receiving automated replies. Before attempting to contact the CFPB, XXXX and FTC, I figured Id try one last time to reach someone at the company who can help. My account was permanently limited on XX/XX/XXXX without any real explanation. A balance of {$2400.00} is currently being held in the account. Ive been an account holder for over a year, and the few XXXX XXXX I provide ( XXXX XXXX ) are well within PayPals acceptable use policy, in addition to being compliant with all other regulations. I have never had any issues with fraudulent activity, and yet out of the blue my entire account is frozen, my money is taken hostage, and I cant even get an answer as to why this is happening. Im provided with 0 recourse, and vague promises to release funds in half a year. There are countless stories posted online detailing how members have had this exact thing happen to their accounts, and never had funds released back to them after the time was up. While this is far from reassuring, regardless of the validity of these claims, the fact remains that there is no reason why this should be happening to me, and I cant even get someone from the support department to take a little time to look into the situation and attempt to rectify ( or even explain ) the reasoning behind the decision. My PayPal account was an personal account and not a business account. With this said, the vast majority of my funds were sent via friends and family payments. This is money from people who knew me. Money from people who had every intention of me receiving the funds, and had taken the appropriate actions via your service for this to happen. If there was a transaction being contested for a dispute ( which I wouldnt know, since no one will explain why my account is frozen to begin with ), it would be one thing to hold those funds and perhaps even have the account on hold throughout the process. However, as stated, the majority of my funds were from friends and family, and denial of access to these funds is ludicrous. These are the funds I use for my education. This is how I was paying for my future, and its being held hostage without so much as an explanation. I need a clearer answer as to why this has happened, and a clear path forward to rectify this mistake on the companys part. 

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

I've been an Authorized User on my XXXX XXXX XXXX  account for about XXXX 1/2 yrs. And The 3 credit Bureaus XXXX, Equifax and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Product: Credit card

XXXX NJ XXXX XXXX Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. 

I was unemployment, divorced and subsequently developed a XXXX. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and concern. No incite or offer to apply for hardship was suggested, As a result my account accrued have many late charges and an extreme increase in interest rates, subsequently the balance is still close to the starting amount of {$7000.00} from this cards inception. 

I called customer service on XX/XX/2016 to obtain more detailed explanation for the unchanged balance. I explained that I could not see history outside of a few months on the website and I asked for the history of payment and interest charges increase dates and amounts. The associates XXXX stated that she could not provide that information and that she could send me old statements from 2 years back. When I asked to speak with a manager who could assist me I was transferred to representative XXXX who rebuttable and told me that he would transfer me to counseling and he abruptly hung up on. I called back again and got corporate on the phone and was finally provided with an address to submit this grievance. 

As I queried for resolution of this problem, I was transferred to the associate XXXX who told me that high balance is interest charges stemming from unpaid Timely promotional balances. In addition Home Depot has increased monthly payments roughly to about {$420.00} a month this payment is only applied to these interest charges. Interest is roughly about $ XXXX monthly with an interest rate increased to over 25 %. The interest rate is not on my statement I had to ask what the interest rate has increased to. This card has been frequently accruing late charges because of remaining inability to pay the high payment. 

I am requesting that Home Depot apply all interest payments made on this account to the principal amount left on the Credit card. Then return the interest rate to the original rate in addition, I am request that all the late charges be returned and applied to the principal balance amount. 

Sincerely XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

There is information on my credit report about myself that is incorrect, including my name, address, and employer info. The names XXXX XXXX XXXX XXXX and XXXX XXXX are not my name. I have also never resided at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. For my employer, there is no employer listed, which is incorrect. Their presence fails to meet the requirements under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I'm asking for this incorrect information to be removed and fixed right away, as required by laws. My correct name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my employer information is XXXXXXXX XXXX. Failure to comply constitutes willful noncompliance under 16 USC 1681n, allowing statutory damages of up to {$1000.00} per violation, plus punitive damages.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal la w. GLA has been reporting unverifiable and inaccurate inform ation on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I made a transfer of XXXX through MoneyGram to my own bank account ( XXXX ) in XXXX, which is not in my account yet, I have filed several complaints with the moneygram company, requesting proof with the complete information on the name of the bank, name of the person and the account number to whom they made the deposit, but they do not respond to me and close the case saying that the deposit was made correctly, without showing me proof with which I can complain to the bank ( XXXX ) in XXXX, which of course I personally went to a branch in XXXX ( having to travel to XXXX ) and the money is not One of the two is lying, or MoneyGram did not make the deposit to the correct account or XXXX lost my money, please help me
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express Card was a corporate card under XXXX XXXX XXXX company in 2017 card was closed after items where disputed American Express tried to sue me personally and the suit was dismissed for failure to show signed by judge the order stands American Express is filing again abuse of process for the same thing with out doing an appeal refuse to send documents for the dispute using a debt collector Customer Service. 
XXXX overcharging of fees
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX credit card debt not owed sold to this collection agency {$520.00}
Product: Debt collection

Contacted the company, they gave me an address that isn't mine and said I owed, I wrote a certified letter stating the same, yet it is still on my credit report and I do not have a contract with this company.
Product: Credit card or prepaid card

I have two accounts with this bank. I have been waiting for over a month to receive my cards and have never received the cards. I contacted the company but they are not very helpful they reported the cards and the " balance '' to my credit report however I never received the cards. They need to expedite the cards this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not changed the status of my paid mortgage loan. Refinanced Home loan. Loan was paid off in XX/XX/2018. Still appears on Experian credit record.
Product: Checking or savings account

On or around XX/XX/2022 I disputed some fraudulent unauthorized transactions with Navy Federal that was caused by XXXX XXXX XXXX XXXX. Navy federal reply was that they investigated my claim but was unable to process it in my favor because their Debit Card disclosure requires that I report my disputed transaction within 60 days. Knowing that there is no statute of limitations on fraud and if so ten-years ( 18 USC 3293 ). I request that Navy Federal restore any funds withdrawn from my account without my consent or authorization.
Product: Debt collection

I do not give your company permission to publish unverified information on my credit file for the following accounts XXXX XXXX. 
You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 15 U.S.C1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
* NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Under 15 U.S.C 1692b communicating with any other person than the consumer without consent is a violation and infringement on a consumers right to privacy.

Under 15 U.S.C 1692a ( 3 ) consumer means any natural person. I am the natural person which makes me the consumer and they are violating my rights as a consumer.

Under 15 U.S.C 1692a ( 5 ) term debt means any obligation or alleged obligation. In this case its alleged Under the FDCPA 15 U.S.C any debt collector who fails to comply with any provisions is liable to a equal sum of {$2000.00}. I will be attaching a invoice.
Product: Credit card or prepaid card

I have had multiple calls in XXXX, where I explained I was without a job and looking for more work. I do have cards that were open and I was trying to pay them down but with the part time job I have Im struggling to stay afloat now. The company seemed to want to work with me. Then I started to get the auto-dial calls where I would answer and then it be silent for about 10-15 seconds then someone would be there. So I stopped answering. Then today I get a voicemail when I come out of a interview and Im being told in the voicemail I need to get a lawyer and if I dont have one they will help I wish I done my research before going with this company, because there are thousands of reviews on them doing the same thing to other people.
Product: Debt collection

Collection consultants is reporting 3 medical collection accounts on my credit report. I contacted them because they have NEVER contacted me. I asked for evidence that the debt was mine. They refused to give it to me and insisted that I give them my social security number, where I work etc. I finally got out of them that these accounts are very old but they would not tell me how old. I believe that they are over 7 years old and should not even be on my credit per FCRA. I am 100 % positive that they are over the statute of limitations ( CA Civil Code 337 ) yet they threatened to sue me when I would not give them my work info. They are also re-aging the account. They show that the last activity on the account is older than the opening date of the account. Lastly they made absolutely no effort to validate the debt and still won't give me the information necessary to even determine if these are or ever were valid which is a violation of FDCPA.
Product: Checking or savings account

Chase Bank closed my checking account and savings account two weeks after I opened the account without telling me for any reason
Product: Credit reporting

Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report and a comment that they were previously investigated in a previous dispute over 6 months ago. Well the added 6 months has only made the items more egregious for remaining on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.
Product: Checking or savings account

Capital One had a known outage affecting thousands of users ( myself included ). My direct deposit did not come through and still hasn't it is a holiday weekend. My app also has had several problems and I haven't been able to access it at multiple times. They have given little explanation of what happened and no actual timeline.
Product: Prepaid card

I don't remember the dates exactly but it was XXXX  sometime. Someone was making purchases using my card info and the company didn't want to tell me what the purchases were or where. Plus my card was locked the whole time so how they were able to use it doesn't make sense because even when I unlocked my card to take all my cash off ( {$450.00} ) my card wouldn't unlock and whoever was stealing my cash just kept taking it. When I explained it all to the rep, they couldn't do anything to help me. I was already living in a hotel room where I had to pay XXXX a week. Because I couldn't get my money off the card, my XXXX  XXXX and I had to live out of our car for weeks until I finally canceled the card before I was able to transfer and withdrawal. I'm glad something is finally being done about this because I felt like I was robbed and abandoned by the government tbh.