23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Paid a merchant {$3900.00} XX/XX/XXXX with Paypal Credit through Paypal invoice. Merchant destroyed my property consisting of two Custom made saddles. The lockdowns delayed my getting anything done to have my saddles looked at by a XXXX XXXX Maker until this past spring. In the meantime, the merchant refused to refund my money. I opened a dispute to get my money back from the credit card company XX/XX/XXXX. I traveled out of town to take both of my destroyed items to the XXXX XXXX maker in XXXX of XXXX to see if they could be fixed. He uncovered the damage to them. They are both unusable and were actually made dangerous. 
First dispute was denied. Their reasoning was that the merchant did what he was supposed to do. The supervisor told me to get the XXXX XXXX statement pointing out the damage as expert statements would back up my case. The dispute was reopened in XXXX. I can not find the exact date. 
I had provided every email to Paypal Credit. I provided photographs before and after of both saddes. I provided the expert statement on how the merchant ruined my saddles. I also provided a second expert statement that goes above and beyond what they requested. 
I have still been denied my refund. Paypal says that it was denied because the merchant does not have the items. No one ever told me that I had to send them back. I left them both at the XXXX XXXX  as they are no longer usable. Now I am out both items and my money that was sent through Paypal.

Paypal does not stand behind the buyer even when they provide every single piece of information that was requested. Paypal would tell me that they would send me hard copy letters in the mail with any findings. They never did. They never kept in contact with me. I would call and get the run around. No one ever gave answers to my questions as to whether or not they needed any more information. I spent three months jumping through hoops for Paypal only to be denied.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$1000.00} XX/XX/XXXX {$610.00} XXXX {$0.00} XXXX {$0.00} XXXX CARD {$0.00} XXXX XXXX XXXX {$0.00} XXXX CREDIT {$930.00} XXXX CREDIT {$750.00} XXXX FUNDING {$1300.00}
Product: Mortgage

My mortgage was sold to flagstar bank, I've been paying the same amount for my mortgage since I switched lenders. For the month of XXXX my mortgage went up {$170.00}. I called and spoke with an escrow specialist and was told that my home owners insurance went up and that was why. I told her that it didn't and that I was looking at my account at that very moment. She then switched and said my property taxes went up, I told her again that I'm on the county fiscal site and I can see everything and that it in fact is the same as it was. She them went back to when I purchased the home and started to say well your insurance went up since then. I told her I know that but I'm talking about my mortgage changing from last month to now. She then told me to hold on, I'm currently still on hold, I'm saying hello and I can clearly hear her background coming in and out but no one is responding to me. I've been on hold now for an hour and fifty three minutes. I'm going to pay my mortgage with the overage right now as to not have them try to take my home or charge me late fees but this amount is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted XXXX directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.
Product: Debt collection

Car was repossessed approx XX/XX/year>. auto lender ( United auto credit ) refuses to disclose name of tow company used.
Product: Credit card or prepaid card

I applied and was instantly approved for the Capital One Venture card on XX/XX/2023. The approval email said I would receive the card in XXXX days, and if I spend $ XXXX in the first 3 months, I will receive the sign-up bonus of XXXX rewards points. This is the primary reason I signed up for the card. 

After waiting XXXX weeks and not receiving the card, I called Capital One. They told me the card was lost because they didn't have my apartment number. Strange, since I am an existing customer, but I simply gave them my apartment number, confirmed the full address, and they said they would send a new card. ( All of these calls should be on record with Capital One ) After waiting another XXXX weeks and not receiving the card, I called back again. The rep went through the exact same conversation, and once again told me they had the incomplete address. I had to once again tell them the full address, and they would send another card. ( Again, I'm already a customer of Capital One, and this is not the first card that I've been shipped, not sure where the issue came from ). 

After waiting another few weeks and not getting the card, I called again and they told me that the address on record was correct, but the XXXX card was simply lost in the mail. I then gave them my brother 's address and they sent out a XXXX card. 

While waiting for the XXXX card, the XXXX card that was lost in the mail eventually made it to my mailbox. It is now nearly XXXX full months from the time of being approved. 

When I spoke to XXXX of the Capital One reps about this back in XXXX, they told me to give them a call when I finally get the card, and they could extend my allotted 3 months to qualify for the sign up bonus. While I waited to get the card, they did not offer me expedited shipping on replacement cards, nor did they offer me the option to use a digital card and begin making purchases, so there was no way I could work towards the bonus that was offered. 

When I finally got the card on XX/XX/2023 I called Capital One and walked through this story again, and asked that they extend the sign-up bonus window, simply to align with the 3 month offer that was advertised. They denied my request. They allowed me to escalate the call to a senior rep, and they denied the request again. I did not ask for free bonus points, or anything special. I just wanted to have the normal 3 month window that's promised on the promotion. The delays were not because of anything I could control, and it seemed reasonable they should offer this extension. 

The bonus is worth XXXX points, which equates to an estimated {$1300.00}. This is a huge loss in value for me obviously, and seems like a deceptive practice. If you tell someone that they have 3 months to complete a requirement, and then they don't get the card until 2 months have already gone by, that feels like deceptive marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has denied my request to remove inaccuracies appearing in my credit file.
Product: Debt collection

I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these fraudulent items on my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked with these companys several times over the past 20 years and becouse I am a full time RVer I travel alot and these companys just dont understand this and now I am having issues trying to get my veterin services through va becouse apperently these conpanys say I dont exist well I do exist just becouse I've never had credit or I move around alot dont mean I'm not alive I am a person that likes to travel and becouse of this I'm discriminated against by these companys this is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting creditors calling my cell phone for someone I have never met. After researching his name and my phone number, I found several websites posting it as his contact number. I called one such site, who informed me the source was Experians records. Apparently one or more of his creditors has my cell number listed as being his. I am willing to believe this is a typo or mixed file, as opposed to deliberate fraud, but it still needs to be corrected. 

I wrote a letter to Experian, explaining the inaccuracy in their records, and asking that they remove any occurrences of my phone number on this strangers credit report. The letter I received in reply did not address my issue properly, as it 1 ) stated that number is not on my credit report, and 2 ) instructed me to contact the creditor directly. The problems with their reply are 1 ) the error is not on my credit report, but this other persons report, and 2 ) since I can not view the full credit report of a stranger, I have no way of knowing the creditors identity. XXXX Report # XXXX, dated XX/XX/21. ) I tried calling to address this, but was flatly informed that they could not alter another persons credit report. I asked her to transfer me to someone who could correct their faulty records, and she insisted no one could help me with this. I demanded a supervisor, and she took my info. to have one call me back. That was 10 hours ago, still waiting on their call. 

I am not asking to see this persons credit report, nor am I asking the name of their creditor. I am simply asking someone at Experian open that file and remove my personal information from this other persons report. Complete strangers are calling my cell phone, looking for this other person, solely because Experian has this inaccuracy in their records, and this company seems content to leave the error in place, even after being informed of the error. For the record, I called them from the phone number in question, so it is definitely mine, not his.
Product: Credit reporting or other personal consumer reports

In a previous complaint, CFPB # XXXX, I alerted the agency that Equifax was not acting in a lawful and competent manner in dealing with an identity theft complaint. The company - naturally - responded that they'd need 60 days to respond to the properly and lawfully submitted complaint but gave no valid reason as to why they needed to further violate the four business day timeframe for blocking as provided in FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Credit Reporting Bureau XXXX had been served with the same documents as XXXX and Equifax and promptly and lawfully blocked the information as provided by FCRA 605B ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. This block was submitted by XXXX to XXXX and Equifax through their information sharing. 

Equifax appeared to have removed all information as of XX/XX/XXXX from information gained from XXXX XXXX. The company, however, had not given specifics of their investigation other than " dispute completed '' appearing in the Dispute Center of myEquifax. 

As of XX/XX/year> Equifax is now reporting the previously deleted/blocked information again, violating my legal rights and causing undue financial hardship. I've been forced to resubmit a dispute again to their website. Equifax appears to be taking retaliatory and discriminatory action against me for the lawful filing of complaints for their flagrant and egregious violations of the law. 

Accordingly, this updated complaint is being filed and I will be seeking damages from Equifax Information Services, XXXX.
Product: Debt collection

XXXX of 2019 my car was totaled and XXXX XXXX and XXXX XXXX  paid off the remainder of the balance, Chrysler still shows this on my account
Product: Credit card or prepaid card

- This company is reporting my account as 30 days past due for the month of   XXXX   but I have made my payments on time.     - Last month it showed that   XXXX   was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 30 days past due but is now showing  XXXX  was.     -Prior to that, it showed that  XXXX  was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 20 days past due but stated that   XXXX   was.     This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my   XXXX   payment ( made  XXXX  ) reflects on my account, it will show  XXXX  as past due. For the record, I paid   XXXX   's payment on   X/X   which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing.      Below  is my payment history since the beginning of the year. My normal monthly payment is due on the  XXXX  of every month.      XX/XX/2017      XXXX   XX/XX/2017       XXXX     XX/XX/2017    XXXX      XXXX    XXXX    XXXX    XXXX   XX/XX/2017    XXXX     XX/XX/2017    XXXX    XX/XX/2017   XXXX
Product: Credit card or prepaid card

Please refund the late fee of {$28.00} charged on XX/XX/2019. 
I was on the airplane and paid the minimum amount due as soon as I got home ( XXXX in the morning ).
Product: Debt collection

I have been treated by this company saying I did bank fraud when I did not. I wrote a letter explaining that I lost my job due to covid and I got an email saying they will contact my new employer and sue me for bank fraud and I never did any type of fraud
Product: Checking or savings account

Wells Fargo authentication is terrible. 

Their " 2-step verification '' has three settings : " On '', " On except if I'm using the app '', and " Off ''. If it's " On '' or " On except if I'm using the app '', there's no way to prevent an attacker with your password from using the SMS option and reading your text messages to break into your account ( since text messages are relatively easy to crack ). 

Not only that, but there are lots of stories on the internet about people getting their accounts stolen by people social engineering Wells Fargo support staff, which is an even easier way for someone to get your money. 

This makes Wells Fargo my least secure important online account.
Product: Credit reporting or other personal consumer reports

I paid XXXX accounts in full and I disputed them on my experian account to show paid in full and they were removed from my account significantly dropping my credit score and I want them back on my report. I have worked hard over XXXX  years to have a good score and now that they removed them it dropped a high amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -EQUIFAX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXXDISPUTE REQUESTED- XXXX/EQUIFAX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances XXXX XXXX XXXX Is claiming past due balance of {$1200.00} As of XX/XX/2023 XXXX XXXX and XXXX Is cleaning a past due balance of {$530.00} as XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you
Product: Debt collection

I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that WORLD FINANCE CORPORATIO absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
Product: Credit reporting or other personal consumer reports

reported a fraudulent application to them. they deleted it. they failed to remove hard inquiry like promised. affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I fully paid an amount owed to XXXX XXXX, XXXX NV. However, this past week in the month of XXXX, 2020, my credit report alerted that I have a collection notice from PlusFour Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NV for {$10.00}. I contacted PlusFour on Monday XX/XX/2020 and spoke with a Rep who indicated that I have to send bank records of full payment. I indicated to them that they should verify payment but they indicated I needed to verify. I did and contacted them by phone but they didnt answer. I then contacted XXXX XXXX who verified that I had made full payment in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.