23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

i sold a phone on XX/XX/XXXX through PayPal and still am waiting on my money! I've literally sent in proof of this transaction almost a month ago XX/XX/XXXX. So there should be no reason why they let this buyer dispute anything. I literally sent messages from the buyer telling PayPal herself to release my money. I'm pretty sure that PayPal keeps a transcript of all conversations and they can look up and see where I've sent in all of this information. they've been holding my money for 27 or so days when I've literally already waited 20 days to get my money. This is so crazy I really need my money. Can you please help this hold off on my account! I've already been told that the case has been resolved in my favor and my money is still on hold! they are basically helping this buyer scam me! The buyers sending you screenshots of herself texting herself, which is very weird and who, in their right mind would wait 20 some odd days to file a dispute, saying that they didn't receive an item. After I literally already sent Paypal the screenshots of the same buyer, saying that we met in person that no tracking information, and all of that was needed. there is no tracking number needed for this payment. And the agent told me all I had to do was go to the transaction and put that there is no tracking needed and that the transaction has been processed. So I did that. I also sent PayPal multiple screenshots of the buyer telling them that there is no tracking number needed for this and that we met in person, she even let them know that it was her fault for mistakingly sending the money how she did because she's a little XXXX. I literally sent all of this information, so there's no reason for my money to even be on hold at all!
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - XXXX, XXXX, and TransUnion. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : XXXX XXXX XXXX ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

XXXX XXXX XXXX ( a ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

XXXX XXXX XXXX ( a ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and incomplete information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either update it or at least send me the information that you used to add it to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 my cell phone account ( XXXX  ) was stolen and all my personal information was available to that person through my online account. Even though I had double security on my account XXXX allowed it to happen. i was able to get that fixed. However, same people applied for an loan through Affirm for a XXXX vacation. All happened on XXXX XX/XX/2021. I contacted Affirm before loan was finalized and they assured me it would not be finalized. Explained the situation and I was assured everything was corrected. Then I contacted XXXX on XXXX XX/XX/2021 explained to them the situation and they canceled the reservation due to it being fraud. I was calling them from Florida on XXXX XX/XX/2021 and 3 rooms were booked for XXXX XXXX for XXXX XX/XX/2021 with my name on reservation. I was told they would have to show identification to check in. I was reassured again all was taking care of. I have requested copies of loan documentation and identification from Affirm  and XXXX. Affirm  has requested that I provide my drivers license and I do not feel right about doing so. This company I feel wants my ID to cover up their fraudulent practices. They have added this loan to my credit report with extreme delinquency and is affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES under no circumstances did I authorize or give my permission to pull or do a hard credit check on my credit report 30 or even 60 days prior to the dates below. Also, There is no signature from me to authorize this XX/XX/22XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep complaining to equifax they wont remove hard inquires that that was listed on the identical theft thee are hard inquiries from. XXXX that are not consensual and. I need to get paid {$1000.00} for removing them after 4 complaints
Product: Money transfer, virtual currency, or money service

Brief explanation - XX/XX/XXXX - 2 concert tickets purchased for {$780.00} through my online XXXX account using PayPal Credit. Concert scheduled for early XXXX. 

XXXX - Due to the COVID outbreak and associated restrictions placed on public gatherings the concert was rescheduled to a future date in XXXX. Attempted to obtain a refund from the vendor but was informed that because the concert would be rescheduled and not cancelled, no refund would be issued but the original tickets would be valid for the new date. 

XXXX - The concert scheduled in XXXX was again postponed to XX/XX/XXXX. 

XX/XX/XXXX - The concert was officially cancelled by the artist. I contacted the vendor and was informed that the full purchase price of the tickets would be refunded to the source of the funds ( PayPal Credit ). 

XX/XX/XXXX - A refund was posted on my PayPal account in the amount of {$780.00} showing that the money was refunded to PayPal Credit. 

Numerous attempts to recover this refund has been unsuccessful and it's now been almost 3 months without resolution to the money owed to me.
Product: Mortgage

I got my preapproval letter from a lender that my realtor recommended so started looking for home once i found house we were suppose to close on 2 weeks had to put down XXXX down for XXXX XXXX did the inspection and was just waiting for lender to do is part they became a ghost would no take my calls or my realtors calls after 3 weeks they called back and told me they needed to talk to my accountant since I'm self employed had her move numbers around on my business side then to come back and say that my loan had been denied so I not only lost my XXXX but my time and some other expenses that came up with all the paperwork they were requesting end result they just cancel contract and didnt tell me anything apparently we signed a paper during the process that said that we would loose money if we didn't close in a time that the contract said now they don't even answer my calls very frustrated
Product: Student loan

My issue is that i 'm a single parent with a background that took up XXXX hoping to obtain work it 's been almost XXXX year 's and i 'm still without work for a trade i obtain and still with a loan i cant afford. my name is XXXX XXXX XXXX XXXX my school was XXXX XXXX XXXX in XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX.
Product: Checking or savings account

Capital, one has allowed Unauthorized withdrawal of around {$24000.00} from our saving account over 3 months ago. Someone in their organization allowed these funds to leave our account and now they are not helping in any way to re-collect it or refund it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute all of the information Chrysler Capital has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that Chrysler Capital never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the Drive was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has street spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to Chrysler Capital will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says that I have to pay them to put a lock or freeze on my account when these XXXX are the ones that gave away my credit info.
Product: Debt collection

My son was a resident at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX where they charged me for damage to the room of {$120.00} despite having collected {$260.00} upfront as part of a 'Residential Shield ''. This became a dispute. The supporting documents including the letter I sent to ProCollect to resolve the dispute is attached. Two honor the lease after my son left XXXX XXXX in XX/XX/XXXX, I continued to pay the rent of {$790.00} for two more months. Cost of repair for sheetrock damage is listed as {$35.00} and up in the lease documents. And even if it actually cost them {$120.00}, that is well within the limit of of the XXXX XXXX amount already paid. However, since this issue was not resolved despite my repeated calls to XXXX XXXX, I held back payment for the last month of XX/XX/XXXX. XXXX XXXX then sent it for Collections to ProCollect. In XX/XX/XXXX, I sent a balance payment to ProCollect that I thought was fair to settle this matter. But they instead reported it to XXXX. 

ProCollect sent me a response to my letter to them from XX/XX/XXXX saying XXXX XXXX has sent them the lease agreements that I had signed and included copies. But I did not see the XXXX containing the 'Residential Shield ' agreement signed by XXXX XXXX XXXX I have attached here as Exhibit B. 

When I called ProCollect earlier today to point this out, the gentleman I spoke with appeared rude and didn't seem inclined to discuss anything. He kept saying everything was validated with XXXX XXXX, gave me a deadline of XX/XX/XXXX to pay the full amount and then hung up. 

I called XXXX XXXX today to enquire about why they held back the XXXX XXXX agreement and the person who picked up the call said someone will get back to me. 

XXXX did send me a response saying they are investigating but it appears they are leaving everything to ProCollect to handle.

Am I reading something wrong here. Any assistance is greatly appreciated.
Product: Debt collection

PORTFOLIO RECOVERY ASSOC is reporting a debt that i do not owe ... and they are not lawfully permitted to collect any money from me? ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

16 late payments reported to my Equifax report from domestic relations for child support when I had and have still a wage attachment from my job which takes it out every week Dates : XX/XX/XXXX thru XX/XX/XXXX Thats a total of 16 late payments I have included 2 pictures of paystubs from XXXX app as well to show the child support garnishes from the beginning of the late payments till the end and cand provide all of them if necessary which I did to Equifax I sent them and faxed them pay stubs In letter and PDF forms this is really hurting my credit Im trying to buy a house for my family Thanks you for the help and attention to this complaint Blessing
Product: Vehicle loan or lease

This vehicle was sold in a lien sale approved by the creditor. They were notified in 2018 of the sale of the vehicle. They continue to leave the account open, they wont update the value of the vehicle since its sale. 

This account has not been in collections or repossessed since its sale. They are reporting a car on my credit that should no longer be considered an open loan. The car was towed by the city while my spouse at the time was XXXX. He attempted to put in a request to have the loan XXXX due to his XXXX. They did not respond, they offered a settlement but why would we settle on a car they signed off on selling. The tow company received approval from them to sell the vehicle. They have failed to update the accurate value of the loan since the sale Ive made several attempts to have the status updated.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX  and XXXX  to make the account stay on my credit longer than it should.
Product: Payday loan, title loan, or personal loan

I've applied for a second round PPP loan that is facilitated through Chase bank. After completing a first application I was denied and the reason stated " Insufficient evidence of business having employees on XX/XX/XXXX ; Missing 4 quarters of state payroll and unemployment insurance tax docs for elected period ; XXXX XXXX XXXX XXXX did not provide either XXXX or XXXX Tax Return ; Unable to verify average monthly payroll cost from information you provided '' All documents which were included in the application. I called Chase to figure out what was wrong and they verified nothing was missing or incomplete. I resubmitted another application to receive the denial of " Insufficient evidence of business operating on XX/XX/XXXX. '' Again documentation was verified as received when calling Chase. They have held on to this application for three weeks to send a denial email that is false. Prior to the denial, while checking the status of the loan it stated " awaiting SBA approval. '' I've contacted the SBA and they assured me none of the loans come to them. It's completely up to the lender to verify, approve and issue the loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received am email alert from Cashapp Square cash that my account was locked due to unusual activity detected. When I tried to sign in i had to confirm my identity to have access and i got a message that the funds was not accessible for up to 48 hrs. After over sending over 10 emails to customer support no one has unlocked the account I can not gain access to my money I have no access to a live representative. Please help me retrieve my money from cashapp.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.
Product: Debt collection

I found out debt is held by XXXX and XXXX, and I have been trying to communicate with them for months. 

I did finally get a person on the phone. I was able to get my account number. 

I have requested multiple times that I receive documentation of the debt they want me to pay. It has been over XXXX months with no action. I can not seem to get verification about what I owe. 

I do believe it is intentional- I can not look up how much I owe with XXXX XXXX XXXX- they simply provide a payment screen so they can get paid without any information on the balance. 

Please do help - I need them to tell me what I owe and they are currently holding me back from trying to own a house, etc. 

Thank you so much!
Product: Debt collection

On XX/XX/year>| settled a Citibank account with XXXXXXXX XXXX XXXX under the reference number XXXX. I revived my confirmation of the account being settled in the mail and was told the account would be updated on my credit reported. Today a rep called me trying to collect on the debt. They have reopened the account under a new reference number XXXX, applied the payment I made for the settlement and are trying to collect the remaining balance. This is FRAUD! And a violation of debit collection practices. I need this account closed and accurately updated on my credit report to show that it has been paid.