23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XX/XX/XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company Equifax is totally and completely incompetent. Three months ago I could not log into my account with them and spend two hours on the phone correcting the issue. Now three months later I once again and locked out of my account. It has taken two days on the phone for hours to finally speak to a representative.

They now want to to mail them an ID to be able to allow me to log in my account. What is wrong with this company. Typically one can reset a password but this company is totally unable to deal with deal as seen in the leak of millions of citizens credit data last year. 

Equifax really needs to have fundamental change if not outright takeover of their operations since they clearly can not successfully accomplish the task of credit reporting. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Debt collection

IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. 

They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.
Product: Credit reporting

information such as birth year is wrong on credit report, as well as previous addresses and previous employers. the items on the report i have no knowledge of before this report and have been trying to report fraud since XXXX.
Product: Money transfer, virtual currency, or money service

I have recently started using XXXX XXXX and find it to be an excellent service. I also assumed the service offered consumer protection since it is being used by major banks. I recently made a purchase to an unknown individual using XXXX XXXX to purchase concert tickets that a person on XXXX advertised they had. 

I went on XXXX and saw an event scheduled in my area for XX/XX/19. The event was for XXXX XXXX concert at the XXXX XXXX XXXX XXXX. A XXXX user made a comment on the event that they have tickets available because they are not able to attend. I messaged the person who claimed to be XXXX XXXX on XXXX to see if the tickets were still available. Hours later the person claiming to be XXXX XXXX contacted me informing me the tickets were still available and to make an offer. 

After messaging back an forth we agreed on a price of {$100.00} for two tickets. The person claiming to be XXXX XXXX requested that I send the money through XXXX XXXX. This person also requested screen shots verifying the money was sent and deducted from my account. The email address I was told to give to XXXX XXXX to have the money sent was XXXX. The person claiming to be XXXX XXXX informed me that the account was under her husband 's name which is XXXX XXXX. 

I gave the person claiming to be XXXX XXXX my email address to send the tickets to. I sent the screenshots per the request of the person claiming to be XXXX XXXX verifying that I had sent the money. The person claiming to be XXXX XXXX informed me that she was at work and would be sending the tickets in 20 minutes. This was approximately XXXX EST. Hours later when I checked my email I noticed that the sender did not email me the tickets. 

I went to message this person on XXXX and discovered that their account was deleted. The messages we sent to each other on XXXX were also deleted and I have no access to them.
Product: Credit reporting or other personal consumer reports

Someone from this address XXXX XXXX XXXX XXXX # XXXX XXXX, UT XXXX, opened a credit card with XXXXXXXX XXXX XXXX XX/XX/XXXX and spent {$2600.00}. I worked with XXXX XXXX XXXX XXXXXX/XX/XXXX to resolve the issue. However, I see that this fraudulent account is still on my credit report and needs to be removed at it is impacting my credit score.
Product: Student loan

Called several times about these so-called unpaid fees, back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they said these unpaid fees came from XXXX and that is a lie as I have been under forgiveness and iDR under department of education , they told me on all the calls after these appeared, that they would take care of it and waive all the fees. They have lied and lied and lied. They took forever to discharge my other loans from department of education over 9 months of trying to collect higher interest until they were discharged. Everytime I call them they tell me lies and continue to lie. I am disabled and always submitted the income driven renew on time and when they get they will take 3 months to process it or give a run around.
Product: Vehicle loan or lease

Loan has been paid off 2 weeks, and i still do not have my title.

I have called multiple times.

I have emailed multiple times, and gotten no reply.
Product: Student loan

I sent this company {$790.00} on XX/XX/XXXX. They promised to consolidate my student loans and after ten ( 10 ) years, I was told that I would have my loans forgiven altogether, as a teacher. I was quoted an initial monthly payment of {$170.00}, with insistence that this was the best program for me, participating in their financial-based loan-assistance program. Therefore, I had to lock in that rate and insisted up my credit card information. The next day XX/XX/XXXX, I tried calling to talk to my Enrollment Counselor, XXXX XXXX, to cancel, and could not contact him via e-mail or phone -- and it was that way for over a week. What I want is my money back. The main part of the contract is that they were supposed to submit my application. I was told Thursday XX/XX/XXXX that my application would not be submitted until XXXX ; but when I told them that I was going to work with XXXX directly and no longer wanted to work with their company, I was told they submitted my application that day. Their stories constantly change. For example, my payment went from {$170.00} to {$420.00} at one point. Yes, it 's income based -- but when one is unemployed and has no income, that appeared excessive. In addition, I have asked for a refund at least three different times -- there is no documentation of my ever asking for a refund on their end -- and I even talked to XXXX, the manager. When I talked to her this Thursday the XXXX, she told me that the Department of Education 's program was not as good as theirs and I was a fool to leave their company. Please help me get my refund.
Product: Credit card or prepaid card

I am writing today in regards to my account with WF CRD SVC account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with Bank of America for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. BOA kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point Bank of America told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with BOA they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by XXXX XXXX. As to date BOA has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. BOA is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit file is not 100 % accurate and not 100 % verifiable under the Federal Fair Credit Reporting Act ( FCRA ) promotes which the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Please review and remove all inaccuracies and unverifiable information.
Product: Debt collection

XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am a Paypal member for years. I make purchases on different online websites and use Paypal as the Provider to the Merchant for the financial info being exchanged. They are supposed to be the Protector of my personal Info ..... Please keep in mind that Paypal is NOT the financial source whatsoever .... XXXX XXXX in this case is. XXXX is the XXXX  .... Paypal is just the go between ; keeping my info safe. 

Getting back to the issue ..... I made a recurring Donation to XXXX XXXX on a monthly basis for {$25.00} each month some months ago and everything has been going along smoothly. That charge is processed on the XXXX of the month and is always charged to my XXXX card. The XXXX card is my only funding source ever to be applied to any transaction made with Paypal!!!!!!!!!!! ... That's what was authorized with Paypal from the beginning. Then on XX/XX/XXXX this month, Paypal applied this recurring charge to my " Debit card '' without any authorization from me whatsoever. The {$25.00} was removed from my Checking account instantly instead of being charged to my XXXX CC. Again, this was never authorized!!!!!! ALL Transactions are supposed to be charged to my XXXX card on file .... Thats it. 

I called Paypal up immediately and was told that I had to appeal the transaction which I did. Then yesterday ( XX/XX/24 ) I recd an email from Paypal denying the refund on grounds that it is NOT covered under the terms of Paypal Purchase Protection. I proceeded to call Paypal again today and spoke to XXXX the Supervisor who told me that I agreed to this ability for Paypal to charge my Debit card since its in the fine print. I explained that the only reason that my Debit Card was on file was from years ago when XXXX owned Paypal and required all XXXX to supply their Debit cards in order to process XXXX payments easily back then ; It was NEVER to be used as a Funding source. Like I said it was years ago and even back then, by supplying it, It was NEVER to be used for Purchase Transactions whatsoever .... Only my XXXX card was to be used. I asked XXXX the Supervisor today for my refund since the transaction was NOT AUTHORIZED and Paypal acted immorally and unethically by debiting the cash from my Checking account on XX/XX/24 .... I explained that if there was any Processing problem on XX/XX/24 then the transaction should have been declined .... NOT TAKEN FROM MY CHECKING ACCT!!!!!!!!!! He refused. 
BTW- I have since removed my Banking Debit card from Paypal. 

Dear CFPB .... Please help in making sure that Paypal can not do this type of theft to any consumer again!!!!! What they did here is nothing less than Theft .... No matter what they call it. They changed the rules, created new rules and hid them in the fine print. 

Please have them refund me my {$25.00}!!!!!!! 
Thanks so much!!!!!!
Product: Credit card or prepaid card

I received a prepaid XXXX as a gift from one of my vendors. I attempted to identify its value on the issuer 's website ( XXXX, XX/XX/23 ), but the website indicated I had to call the issuer. Upon doing so, I was told the card was 'compromised ', but with no specific details as to how. I was instructed to utilize links on their website to submit photos of the card along with my personal information, but the website would not allow me to do so. I attempted with multiple operating systems and web browsers, but their system stated it was 'unable to process my request ' and to again call their phone support. I did so, and spoke with a supervisor after a long wait. XXXX ' informed me that he would escalate the matter, but could not take my name, email or phone number for them to contact me to provide resolution. Instead I was instructed to call back after 5 days. Looking at various web forums, this seems to be a pattern for many customers. The issuer states a card was 'compromised ' without any validation and refuses to honor it, which feels remarkably like an orchestrated scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent accounts have appeared on my XXXX, Transunion and XXXX account. 

XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I scheduled a {$200.00} payment to the XXXX XXXX XXXX1st BankcardXXXX back XXXX On XX/XX/XXXX they processed a payment for $ XXXX the total balance on the card. On XX/XX/XXXX the payment cleared my bank, and paid 1st Bankcard, draining my savings and creating overdraft charges and not having monies to pay my bills for the rest of the month. 
On XX/XX/XXXX I called 1st Bankcard to report their error and issue a refund. They said the payment was on an internal hold and to call my bank to have them stop the payment. I called my bank and they relayed the payment can not be stopped because it already has cleared and has been paid to 1st Bankcard. They suggested to call 1st Bankcard again so they can reversed the payment. 
I called 1st Bankcard again. No results, they stated the payment was on a hold, until XX/XX/XXXX and I would have to call back on XX/XX/XXXX to have the refund processed. Needles to say, this is not acceptable and I was extremely mad. I explained they had my money, it has cleared the bank. I also explained, they already are showing the credit/payment on my XXXX Statement. They refused to issue the refund in a timely manner, basically stealing my money for over 10 days. 

Then I started thinking and remembered this happening before, and wondering how the XXXX could I hit pay balance in full when I have to enter the amount to pay. Just not something that would happen, let alone twice. I started looking back at my statements from 1st Bankcard and to my horror- this happened exactly 1 year ago to the date. I'm thinking this is not a coincidence but a bad business practice of this company. On XX/XX/XXXX 1st Bankcard process a {$12000.00} payment instead of my scheduled {$240.00} payment. Again, I had to call to have the payment reversed and again they did not process the refund in a timely manner, they waited until XX/XX/XXXX to refund my money. 

Now, is it possible for me to make a mistake and click the wrong button when paying a bill, yes. But is it probable- not likely since the pay in full button is not near the enter a payment amount. It is also not probable to make a pay in full payment twice, exactly a year to the day. Even when speaking to my bank, the representative commented, " maybe they did what they wanted, I'm just saying '' Funny how a credit card company calls or texts you when you make a large purchase, but don't inquire when a large payment, that is not normal happens. Could that be because I really didn't authorize that payment- highly probable. 

Two issues, not refunding their payment processing error in a timely manner and this strangley happeing twice- exactly a year apart.
Product: Debt collection

They called from 3 numbers at 3 different times : the first was XX/XX/2023 from XXXX ( XXXX ) XXXX. The second was XX/XX/XXXX from XXXX ( XXXX ) XXXX. And the third was XX/XX/XXXX at XXXX XXXX from XXXX ( XXXX ) XXXX. I know for a fact I do not owe any debt, and they are calling on weekends. I tried to silence the numbers but then they will just call from an alternate number.
Product: Credit card or prepaid card

In XX/XX/2017 I used a convenience check in the amount of {$2200.00} from XXXX XXXX XXXX XXXX card that offered 0 % interest if paid back in full in 12 months. The balance I owe on the convenience check is {$2100.00}. In order to pay it off timely I needed to pay {$270.00} per month until the expiration of the promotion. In addition I need to pay on my non-promotion balance. The minimum payment on the non-promotion balance is {$45.00}. So I made 2 payments {$45.00} + {$270.00} and called requesting that they apply {$270.00} to the promotional balance. They refused saying my non-promotion balance needs to be paid in full before they will apply any payments to the promotional balance. 
I have used the same promotional offers from several other credit card companies over the years and have paid them off the same way by making the 2 payments. I've never been required to pay the revolving balance in full before applying payments to promotional balances. I even paid the same type of promotion off on another card as recently as this week. 
I feel XXXX XXXX is abusing the offer so they can penalize me by requiring me to pay the full interest on the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will provide two incorrect/fraud information that was use without my permission that was reported in my credit. 

First one was XXXX XXXX in XX/XX/XXXX that was reported to XXXX XXXX as a hard inquiry on my credit report. 

The Second case is XXXX-XXXX XXXX that was reported to XXXX as a hard inquiry on my credit report on XX/XX/XXXX. This one is odd because I do not live in the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inquiries that are being reported on all three of my credit reports. XXXX, Experian and XXXX. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXX SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Soft Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Soft Inquiry XXXX XXXX