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

On XX/XX/XXXX, I used my PayPal account which years ago set up a line of credit for me based on my good credit rating, called PayPal Credit, linked to my PayPal acct, to transfer {$100.00} into the account of an organizer of " Meet-Ups '' for a weekend rafting trip. The lender for PayPal Credit accounts is Comenity Capital Bank. 

On the day of the trip, the receiver of my money informed me of various facts not previously disclosed, adding many miles to the trip and other disclosures about the area which I 'd not been informed prior to paying him. I did not join the " Meet-Up '' trip, nor get anything I 'd paid for & requested he credit me for the money. He refused and he used the date of payment for the trip as the same date for any refund, even though he omitted substantial disclosures until 3 days later, XXXX XXXX, XXXX, the date of travel, so I filed a dispute with PayPal/PayPal Credit. 

PayPal first summarily denied my dispute without so much as reviewing any information I sent them, since the trip promotion emails & emails on the day of travel confirm my statements. I asked for an appeal & provided the email documents from him. Those documents were received into their resolution center, under my dispute. However, the following transpired showing a total lack of any cooperation or action from the Protection Services Dept.  agents, in the resolution center. 

On XXXX, XXXX of " Protection Services Dept. '' stated " I can see your issue was resolved '', which made no sense, was vague and nothing had been resolved. This was after receiving the emails which contained the proof of claim in dispute which I 'd sent to be reviewed, Next, I received from XXXX, " Protection Services Dept. ", on XXXX at XXXX XXXX a request that the emails I submitted be " screenshots '', rather than sending the emails the only way I 'd known to do to the email address given to me. So, I complied and learned how to send the emails on my tablet as screenshots, and then sent them to their email address the only way & address I 'd been given by them. Next, on XXXX, XXXX XXXX the third agent, XXXX, " Protection Services Dept. '' sends me a completely conflicting message, now saying that the information can not be sent that way & needs to be sent differently wording her response at if it were to an inquiry instead of an on-going appeal/dispute, and in the resolution center mailbox, it now shows my dispute as no longer open. I will print and now fax the emails one more time, as of XXXX XXXX, XXXX, but have no faith whatsoever that any action will be taken, as not one agent of the 4-6 Ive spoken to in the process of this dispute even acknowledged,  accepted nor read my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

in regards to the XXXX # XXXX inaccurate reporting is a violation of my rights according to FCRA... .YOU MUST DELETE IF THERES INCONSISTENCIES ON YOUR REPORT ING!!! PLEASE REMOVE THIS NEGATIVE ITEM OFF MY REPORT BECAUSE ITS HURTING ME AND MY FAMILY... XXXXDATE OF LAST ACTIVITY ARE TWO DIFFERENT DATES!!!!
Product: Student loan

I have called during work hours and the no one answers and they report the office remains closed such as on XX/XX/XXXX at XXXX CT. I called on XX/XX/XXXX and was placed on hold for 4 hours before speaking to an agent only to speak to someone and be escalated and be told I must wait an additional 6 hours which went past their hours of operation and the call dropped. They make it impossible to work with them and resolve any issues. It is predatorial
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate information reported by TransUnion and XXXX concerning one of my accounts, specifically the 'Date of Last Activity, ' 'Date Opened, ' and 'Date Last Reported, ' which are incorrect and do not reflect the actual history of this account. The 'Date of Last Activity ' is wrongly recorded, misrepresenting the timeline of my account, the 'Date Opened ' does not align with the original opening of the account, and the 'Date Last Reported " is not consistent with the most recent updates. These inaccuracies have caused significant misrepresentation of my credit profile, potentially affecting my creditworthiness. Given that these errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy and completeness of the information reported, I am requesting an immediate investigation, correction of these date fields, and complete removal of this account from my credit report, as it does not accurately reflect my credit history.
Product: Credit reporting or other personal consumer reports

Spoken to representative on XXXX. I notified agent that their reporting of my account is wrong on all 3 credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Product: Payday loan, title loan, or personal loan

Received a loan from Amplify Funding on XX/XX/XXXX for {$850.00}. In early XXXX I suffered some financial problems and emailed them about stopping my ACH authorization and modifying my loan. At this point I had paid them back the {$850.00} I borrowed plus an extra {$610.00} in interest. They claim to be a tribal lender although they keep filing under other names. They are not licensed in the state of Florida where I live and received this loan. They are trying to receive another {$1700.00} with an interest of 465 % which is a criminal violation of FL usury laws. They sent me to a collection agency called XXXX XXXX and they called me at my workplace. I explained to XXXX that I will not be paying anymore money to Amplify due to my state laws and that I have already paid them more than is required in my state. Most places will only pay them back the principal that was given but they are already made double their money back.
Product: Debt collection

RADIUS GLOBAL XXXX, XXXX XXXX Subject : Formal Dispute of Charge-Off on Account # XXXX To Whom It May Concern, I am writing to formally dispute the charge-off reported on my account with XXXXXXXX XXXX XXXX XXXX, account number XXXX, in the amount of {$720.00}, currently held by RADIUS GLOBAL. Pursuant to my rights under applicable consumer protection laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request a thorough investigation and verification of the validity of this debt. 

The disputed amount of {$720.00} appears on my credit report, and I believe it to be inaccurate due to [ state reason, e.g., " billing errors, '' " lack of validation, '' " fraudulent activity, '' etc. ]. Under the law, I request the following actions : - A full validation of the debt, including a copy of the original agreement with XXXX and a detailed breakdown of the charges. 
- A review and correction of any reporting errors in compliance with the Fair Credit Reporting Act. 
- A written response confirming the resolution of this dispute within the legally required timeframe. 

Enclosed are copies of relevant documents supporting my claim, including my credit report, any prior correspondence, and other supporting records. If this debt can not be fully validated, I request that it be removed from my credit file immediately. 

Please provide a written response within 30 days of receiving this letter. Failure to comply may result in further actions, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to your resolution.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced {$0.00}
Product: Money transfer, virtual currency, or money service

I found a house on the mobile app XXXX ( account number : XXXX ) and wanted to rent it on XXXX XXXX, 2020. Then I clicked the buttons " Request to apply '' and " Contact property ''. A person named XXXX XXXX contacted me and led me leave my email address. I did it and left my email address : XXXX. Then a person named XXXX XXXX XXXX email address : XXXX ) contacted me on XXXX XXXX, 2020, and led me answer a rent questionnaire. I did the questionnaire on XXXX XXXX, 2020. Then he asked me more questions, and I answered. On XXXX XXXX, 2020, he emailed me and told me that he decided to rent the house to me and emailed me a lease agreement, but he is in New Jersey, and I am in California, so I have to pay the deposit, {$2100.00} first, then he will mail me the keys and documents, and I can go to the house and take a tour. I did not reply immediately, so he texted me. His telephone number is XXXX, and my telephone number is XXXX. He told me once he receive the deposit, he will mail the keys and documents out. Then I used my husband, XXXX XXXX XXXX XXXX  XXXX XXXX account to send {$1100.00} to the XXXX account that XXXX XXXX provided to me on XXXX XXXX, 2020. He said this is his wife, XXXX 's account, account number is : XXXX. Because our account did not have enough money, so on XXXX XXXX, 2020 morning, I sent the remaining payment, {$1000.00} to the same XXXX account. In the afternoon, he texted me a XXXX  shipment label. The name on the label is XXXX XXXX, address is : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and the telephone number on the label is XXXX. But the tracking information has never been updated, so I contacted him on XXXX XXXX, 2020. He said the package has been picked up that morning. Then I wait until today, XXXX XXXX, 2020, and contacted him why the tracking information still no update, but nobody reply me. Then I tried to call him, but it says the number is no longer in services. Then I called the number that is in the shipment label. A female answered the call, and I asked are you XXXX XXXX? She hung up immediately. I tried to call again, but nobody answered. The third time, she blocked me. Then I called XXXX  XXXX XXXX to claim and told them what happened, they gave me a case number : XXXX. ( I have called XXXX  XXXX XXXX on XXXX XXXX, 2020 to claim the transactions because I thought I fell in a scam, but I can still contact XXXX XXXX on that time. On XXXX XXXX, 2020 is the second time I contact the bank to claim, because I can not contact XXXX XXXX anymore, so the case number created on XXXX XXXX, 2020 ) And I also called the XXXX County Sheriff 's Office, and told them what happened. They gave me the case number : XXXX
Product: Debt collection

I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.
Product: Mortgage

Flagstar bought my mortgage and they paid me interest on the escrow account for the first XXXX  years then stopped paying it. It is a CA mortgage and I am a CA resident they are required to pay interest.

After calling and spending a significant amount of time in the phone all they would say is they do not have to pay interest.

I asked that the complaint be escalated and was told it would be I was given a case number of XXXX they have never responded it has been XXXX years.

I do taxes for a living and see many accounts for Flagstar that interest is being paid on.
Product: Student loan

In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.
Product: Credit card or prepaid card

i wanted to pay my payment for victoria secret credit card by call and on the commenity bank easy pay but their system has been down for more than two weeks and im afraid it will affect my credit score tho they said it shouldnt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$7800.00} under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$510.00} under the account number XXXX, a hard inquiry opened at XXXX on XX/XX/XXXX XXXX a hard inquiry opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, a hard inquiry opened at XXXX on XX/XX/XXXX, a hard inquiry opened at XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including XXXX, Experian, and XXXX. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX. XXXX XXXX ( Account Number : XXXX ) ******The DATE OPEN is INCONSISTENT AND INACCURATE***** ******The HIGH CREDIT is INCONSISTENT AND INACCURATE****** ******The CREDIT LIMIT is INCONSISTENT AND INACCURATE ***** REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE *** REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at XXXX XXXX
Product: Mortgage

The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.
Product: Credit reporting or other personal consumer reports

Under the law, FCRA section 605B Equifax had mail me documentation that they needed my information from me like driver license Social Security card to identify my address which I sent them my driver license, documentation where I live! Equifax sent a stalling letter because they dont want to do the correct investigation of the XXXX accounts that I am precisely asking them to remove. They did not send me no documentation for credit collection service with no documentation of my XXXX signature and also for credit acceptance also didnt send me no documentation with my XXXX XXXX on those accounts. I precise ask Equifax to remove these XXXX accounts off my report and they still fail to remove theseaccounts
Product: Payday loan, title loan, personal loan, or advance loan

A few years ago I purchased a rooftop mounted solar array with a backup battery, and financed it through Goodleap financial. 

The panels and battery were not wired correctly to my residence and the system failed me during hurricane Helene when I needed it most. 

I contacted the installer, XXXX XXXX, several times and they did promise to send technicians out but they never arrived. 

XXXX XXXX declared bankruptcy in XX/XX/year> therefore I'm left without recourse. I stopped making payments to Goodleap because they are or at least WERE partners in the solar business with XXXX and indeed profited from the financing arrangement between the two companies. I explained that I will not be making any more payments until the terms of my original contract are fulfilled which means my system should be working just as advertised and should operate my entire house except the largest appliances such as dryer, hot water heater, electric range, etc. 

Goodleap verbally promised to send a technician out within the next few weeks to make the repairs. I went ahead and make a {$100.00} payment today in good faith to appease them since they said they were sending a technician. I am very doubtful they'll ever complete this job therefore I am resorting to filing formal companies with regulatory agencies.
Product: Debt collection

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Student loan

Loan History and Transition : My federal student loans were serviced by XXXX and XXXX from XXXX to XXXX, and I have been in the IBR plan since XXXX. In XX/XX/XXXX, I consolidated my loans and applied for the SAVE plan, per Department of Education recommendations. During this online application, I was advised to transfer my consolidated loans to Mohela, at which time they were placed into forbearance as part of this transition. 

Failed Processing of IBR Requests : In XX/XX/XXXX, after receiving notice that I owed {$3000.00} by XX/XX/XXXX, I attempted to re-enter IBR, as the SAVE plan was delayed. Since the online system was initially closed for IBR applications, I submitted a paper application on XX/XX/XXXX. After receiving no response, I received a delinquency notice stating I owed an additional {$3000.00} by XX/XX/XXXX. When the online IBR application reopened in late XXXX, I submitted an electronic IBR request, only to subsequently receive another notice that I had missed my XXXX payment. 

Lack of Response and Escalating Charges : Since early XXXX, I have made repeated attempts to communicate with Mohela regarding the status of my IBR application, including two certified letters. Despite clearly meeting the income requirements for a {$0.00} payment due to my low income ( I currently receive Medicaid and Oregon SNAP benefits ), Mohela has neither processed my IBR request nor corrected my balance, leading to inaccurate charges and delinquency notices.