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

To whom it may concern. 

My full name matching my passport XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at XXXX PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any credit score with the TRANSUNION company, a situation that I have tried to solve on multiple occasions and that said company has not tried to fix, using different pretexts and excuses on each occasion, not having any credit score with TRANSUNION has generated serious problems for me. When applying for credit cards, processing a vehicle, applying for a loan, this problem has affected me financially and has caused me serious inconveniences.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : AN # XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted XXXX 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 # XXXX and as proof from the XXXX 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

Please take action to block and delete the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX  days. Supporting documents are included for your reference
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Our auto loan account has been both altered and deleted from your last reporting of our account after the account closed in XXXX of this year. We called into your office on yesterday and was told that Westlake would not have made any changes to our accounts This is only a problem on XXXX  but may need to be corrected on all three of the credit bureaus. 

Remarks were added to my wife 's XXXX credit report saying that the account was being disputed. This caused her account to drop seven points. We disputed that change and asked them to remove the remarks and her score has since increased back to what it was before the complaint filing, but this problem was initiated at XXXX when they for no reason made changes to my wife 's file and totally removed my file from their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported fraud accounts being reported on my credit report by Equifax and only Equifax. I have took the proper steps per the fcra to have the fruad removed and blocked. I have submitted a FTC report, police report and copies of my id numerous time. I have contact Equifax fraud department several times and was hung up on by the rep when I stated they have violated my rights. I provided them with proof of the violations and have been hung up on every time. This is not ok or legal. Equifax is causing my family great hardships and I will be pursing equifax in court.
Product: Debt collection

To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, XXXX from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to Jefferson Capital , LLC. Jefferson Capital has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the XXXX has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Newrez last year XXXX. NewRez sent a letter via USPS in reference to the XXXX XXXX XXXX XXXX XXXX. I replied to the letter numerous times and via different methods of communication. I sent a detailed message to the Customer Service via their website. I sent copies of the Condos master policy flood insurance policy numerous times to : XXXX. In additIon I sent hard copies via the USMail. NewRez purchased additonal insurance despite the fact it was not needed. New Rez changed my mortgage payment each month since XX/XX/XXXX. 
My fixed loan payment amount is {$1100.00}. I was billed {$1200.00} in XX/XX/XXXX, and {$1200.00} in XX/XX/XXXX. I am attaching a letter stating the insurance was cancelled. In fact, my XXXX payment is {$1200.00}. NewRez has ignored all of my information provided. I have a fixed mortgage payment and have paid it monthly with no issue until New Rez acquired. The business practices are questionable and no matter how many times or ways I habe contacted them nothing has been resolved. I am a XXXX and can not afford for Newrez to keep changing my monthly fixed rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding errors that appear on my credit report. It is my understanding that you must provide a complete and accurate account of any tradelines that you are reporting. However, there are several pieces of missing information that are adversely impacting my credit score. I have outlined below, in detail, what is missing. As a result of several missing payments, the date of first delinquency is not reporting. Therefore, the estimated date of removal is not calculating correctly. The date is being calculated based on the charge off date. However, the date should be calculated based on the first time the account went delinquent and never resumed positive status. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge of XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing. 
The entire payment history is missing. 

XXXX. XXXX XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing The entire payment history is missing. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 


XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX. 
The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

35 % of my credit score is my payment history. On each of the accounts listed above, several years of positive payment history were erased. Additionally, 15 % of my credit score is average age of accounts. Although the date opened is listed correctly, the account age appears to be significantly shorter than it is by redacting several years of history. 

The number of times that I have disputed these accounts to have them come back as confirmed reported accurately is excessive when the errors are blatant.
Product: Credit reporting or other personal consumer reports

I did not authorize following inquiries I like them removed from my XXXX report because it's on error and all those inquiries are incorrect and not authorized, here are these not authorized inquiries : 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 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
Product: Credit card or prepaid card

I have a Best Buy card through Citi bank. A few months ago, I paid the full balance off and requested to close the account. I thought the account was closed, but suddenly I have a $ XXXX balance from their annual fees and late fees. They sent my account to collections and it is negatively effecting my credit score. 

Ive tried calling them multiple times at ( XXXX ) XXXX, but when I request to talk to a representative, their system hangs up. I am unable to access my account online. 

I need them to close the account as I requested back when the account was at a XXXX balance and take off their false reporting to the credit bureaus. None of these fees would have even be the had they closed the account when I requested them to.
Product: Credit reporting or other personal consumer reports

his inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the XXXX credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX WITH THE 10 ACCOUNTS. 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 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 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 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 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 XXXXTO YOUR COMPANY, I HAVE 4 ACCOUNTS ON MY CONSUMER REPORT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY. THESE LATE PAYMENTS ARE INACCURATE AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. PLEASE UPDATE THESE 4 ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY.
Product: Credit card

I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my consumer report. Did not conduct proper investigation
Product: Credit reporting or other personal consumer reports

Wayfair is aware of the problem, because they are the problem. I changed my number late XXXX..they claim they couldn't access they account to take or make a payment until new number was verified. They claim i had to wait to receive a reference number in the mail which to this day a year later has never been received, so for XXXX months I was not able to make a payment & Wayfair notated my account regarding the issue, Citibank verified this was notated but they lied & reported me to the credit beraue as being deliquent for those XXXX months hitting me with late fees but notating the credit for the late fees once account was able to be accessed. My XXXX XXXX was XXXX by XXXX and now has been greatly damaged mainly by Wayfairs lies about me being deliquent when I & them were locked out of account. It took for a supervisor at Citibank to take my payment finally on XX/XX/XXXX to pay off what was owed before being locked out with the late fees. I have been asking them to fix this problem with reporting the account closed, when it was paid off since XX/XX/XXXX & they owe me a credit since I paid off the account which I have not also received since I paid off the account. They now claim I have to wait to recieve a letter in the mail just for them to justify the damage they did with their lies which was suppose to have been sent out back in XXXX of XXXX & that also has not been received in the mail. This company acts like they can't send me these requests through an email like they do everything else, including their sales & promotions. They also rudely over the phone said they were not opening up another account for me even thought the mistake & lies & damage was all done on their end/ part. 
I WANT THEM TO FIX MY CREDIT REPORT! THEY CLOSED THE ACCOUNT IMPROPERLY. IT WAS PAID OFF PLAIN & SIMPLE SO THAT IT CAN BE CLOSED. STATING THAT IT WAS CLOSED LOOKS LIKE IT WAS CHARGED OFF TO THE CREDIT BEREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX  reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.
Product: Student loan

I have a loan being managed by AES, the original balance was XXXX. Over 12 years I have paid : Principal Paid : {$66000.00} ; Interest Paid : {$34000.00}. I may have paid a couple of days late one or twice and deferred by one month once or twice - nothing that should account for the XXXX that seems to have been applied to nothing. Other than that, I've always paid on time. My balance has gone down XXXX in 12 years. I have paid XXXX towards the balance and it has gone downXXXX. When I call and ask how this is possible, no one will investigate or help me figure it out. I don't know who else to turn to. Accountants always tell me they don't specialize in student loans. Considering how much recent scrutiny of AES ( pheaa ) I am concerned my account isn't being handled properly. Any help is greatly appreciated. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Lexus Nexis did not due an proper investigation and that I want these fraudulent insurance claims off my report this reporting company is a joke and needs to hire more Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.