23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX and Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I attempted to purchase a camera from a seller using Paypal. I communicated with the seller through XXXX XXXX, where we discussed details for the trransaction. The seller agreed to ship the camera for a total cost of {$1200.00}. I sent the payment as a XXXX & XXXX payment on Paypal. Once completed, the seller asked me for a screenshot of my verification, since the payment was pending. Afterward, the seller agreed to ship the item on XXXX, XX/XX/2023. 

The night of Thursday, XX/XX/2023, at approximately XXXX XXXX  XXXX  I recieve a potentially suspicious email from Paypal saying that I had made a dispute against the vendor of the camera for a total refund of {$1.00}. I did not initiate this, and the vendor fraudulently impersonated my identity to accomplish this. I did not click on any links within the email and instead went to my desktop computer to verify within my Paypal account what was going on. There was in fact a dispute made on my behalf. I immediately try and call Paypal, but they do not have live support at this hour of the day, unlike many other financial institutions. There was nothing I could intuitively do through their automated voice menus. 

I had to wait until the morning of Saturday, XX/XX/2023, to call and navigate through voice menus to get to a human representative. I explained them my issue, and after being put on hold, they said that they can see the dispute was submitted via the automated phone service, and that they would have to escalate this internally, and gave me a new ticket number for my case. However, I received no confirmation of the ticket in email, my account still shows the fraudulent dispute, and I am unable to re-dispute because of XXXX system. My identity was stolen and a fraudulent charge was forced to stick onto my account because of XXXX policy, which do not allow for disputes to be reopened, which provides a vector of attack for scammers and fraudsters. 

Paypal fraud support states that their system makes it impossible to reopen it once closed and ended up drafting me a letter to send to the bank stating that it is indeed a scam and they do not have the ability to now initiate the true dispute on their end as it is a limitation with their dispute system. 

You cant really do much to prevent it since their call in system is less secure than online. You can have XXXX factor authentication, passkey, all set up; but all the scammer needs to do is call PayPal by phone to get around this.
Product: Credit reporting

XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.
Product: Credit reporting 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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : 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 an 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: Credit reporting or other personal consumer reports

Over the past years ALL XXXX bureaus ( XXXX, XXXX and Transunion ) have played yoyo with my life line ( my credit score ). 2019 I was faced with a serious dilemna and cash was stolen. I had to file bankruptcy and cleared.Even at that time my payments were not dilinquent. These XXXX posted I had SERIOUS DILINQUENCES! I searched my credit reports and did NOT find ANY. XXXX posted one long before this public notice and could not and did not prove I was EVER late! I paid off the vehicle and even after I never saw a result for that dispute ( years later they Happily financed a small balance on a SUV I paid off early, AGAIN ). Now, back to the post bankruptcy they deducted tons and tons of points and it still did NOT completely ruin me. Why? I have NEVER, NEVER been late or missed a payment, even up to charge-offs. The bureaus still and to this day are deducting XXXX or more for frivilous idiotic reasons to keep my score low. For example, For XXXX XXXX deducted XXXX points and Transunion and XXXX XXXX for credit card increase. My credit cards total a whopping {$14000.00} available credit ( XXXX cards ) I bought some extra items and foods on XXXX that just now totaled {$970.00} together and the XXXX card has a XXXX payments continue to be un-missed and on time as it has been for years. My my credit score moves up to high XXXX 's they fabricate a lie ( s ) to decrease my score. I have spoken with other people having the same or similiar difficulties. When I contcated these people ( when you can reach them ) they pull some idiotic mess out the air to get rid of you by saying oh we use other data but, can NEVER show what that data or metric is and you have NOTHINGa wrong. This is my life they play with unitl they want to pedal some mess I don't want or NEED. 
They have published inconsistiences and when I return to copy the emails or texts... they are GONE. I ordered a credit report before this complaint and I see NO delinquent accounts ... ..ever. Nor late payments nor derrogatory info.
Product: Mortgage

My mortgage was sold in XX/XX/2023 to Roundpoint Mortgage Servicing LLC. Somehow in the transfer my homeowners insurance was not paid. It should have been paid through my escrow account. I was without insurance from XXXX which I was not aware of until I received a notice of cancellation. 

They have informed me that they will charge me for insurance they plan to buy unless I can provide proof of insurance for dates above. The problem is they want to charge me at 5X 's the rate of what I currently pay in the amount of {$5000.00} annually. I can not prove proof of insurance because I did not know I was cancelled. They dropped the ball in the transfer. 
I do not think I should have to pay 5X 's what I pay now because of their mistake. I find that totally unfair.
Product: Debt collection

I moved from XXXX XXXX XXXX located in XXXX, Louisiana, after being displaced from hurricanes Laura and Delta since XX/XX/XXXX, on XX/XX/XXXX. I received my deposit back from the office and actually left with a positive rent balance due to a rental assistance credit from XXXX XXXX in the amount totaling {$1300.00} that was for the months of XXXX, XXXX, XXXX and XX/XX/XXXX rental payments., but due to me returning to my hometown of XXXX XXXX XXXX Louisiana XXXX the office was suppose to return {$980.00} for XXXX, XXXX and XXXX since i was no longer residing there. I was not contacted by anyone after I left XXXX XXXX even though they had my cellphone number and forwarding address and I did not find out about a so called balance until I got a letter in XX/XX/XXXX from a debt collector stating I owed XXXX XXXX money although i got my deposit back. I tried calling for months with no success and finally borrowed my father 's vehicle a drove to XXXX on XX/XX/XXXX to confront whoever was now working in the office and found out that someone put a whole bunch of charges on my ledger in XX/XX/XXXX and the office staff didn't know what it was for and I didn't even live there anymore, so these so called charges are what got sent to collections. They also lied stating I moved out XXXX XXXX to and justify keeping part of the {$980.00} check but I have my XXXXl receipts from XX/XX/XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX XXXX  Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am reaching out to request the immediate blocking and deletion of unauthorized accounts and inquiries on my credit report. I am a victim of a recent data breach, which led to identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c- 2 ( a ) to have these fraudulent entries removed from my file.

Fraudulent Accounts 1. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/year> - Balance : {$1300.00} XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/year> - Balance : {$510.00} Fraudulent Inquiry XXXX - Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax Data Breach and I filed with the class action thru the settlement administrator and on XXXX XXXX at XXXX XXXX I received an email stating that I was NOT affected and that i had to prove that I was. I verified my information was stolen thru the settlement administrator 's website in XX/XX/2022 and they received my claim packet by certified mail on XX/XX/XXXX and I have spoken with them on numerous occasions and had several return calls from people who stated that they were supervisors. They all gave me the same information that my claim was received and was in fact affected. After I filed my claim I did not know that they would victimize me again by making me prove to them the same information that I proved to them in the beginning of this ordeal. I submitted my response to the email by the link on the website as well as mailing a hardcopy to the company. I know that this is NOT OVER because the person/persons who stole the information have never been caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX. They did not provide me with the orginial application like I asked.
Product: Student loan

Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was able to resolve one of the two of the original complaints. 
The one settled out of court which is the debt showing up with XXXX XXXX is incorrect. I do not owe that amount to XXXX XXXX. Furthermore, I have reasons to believe that they have illegally charged a fee. The amount of the debt is completely incorrect. I have submitted a dispute with Experian which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed, none provided. Subsequently, I sent another request in the month of XXXX, which I got a response on XX/XX/XXXX that the dispute inquiry was complete on XX/XX/22, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have already reached out to XXXX XXXX and they have asked me to reach out to attorney. I have contacted attorney and they have provided me with the attached document.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a charge {$5000.00} on my Capital One card. I made the purchase with XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Capital Ones customer service no less than 6 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to sumit a dispute request in writting. The requested letter and additional information supporting my situation was submitted via mail. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. There was nothing further needed at that point. On XX/XX/XXXX, I sent back a requested form dated XX/XX/XXXX and additional supporting inforamtion via fax, email and mail. Another correspondance dated for XX/XX/XXXX came via USPS that my dispute was denied due to the previous request not meet. I find that impossible because I responded via fax, email and USPS. 
On XX/XX/XXXX, I spoke to XXXX who transferred me to supervisor XXXX. She said she was unable to assist any further because the dispute was denied. Only when I asked for it to escalated, she provided me with the escalation department 's mailing address and fax. On XX/XX/XXXX I was again denied no more than 2 days later via USPS. How is it possisle for thier escalation team to investigate and send out a denial in less than 48 hours?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX ], XXXX XXXX XXXX XXXX XXXX Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

What continues to happen is that an old collection from XXXX XXXX XXXX ( which I have no knowledge of ), keeps transferring from agency to agency, who then illegally " re-age '' the debt and place the debt back on my credit report as if it is new. Firstly, the debt, from my recollection, first appeared as much as 7-9 years ago. This alone makes the debt beyond the stature of limitations for collection. This re-aging has occurred before and I had to take steps to have the item removed, only to have it re-appear on XX/XX/20. Previously, the debt appeared under " XXXX XXXX XXXX '', among others. Please take action to notify the company that such re-aging actions are illegal under FCRA, FTC and CFPB laws. This latest instance has lowered my credit scores by nearly 90 points. 
I receive repeated attempts daily from various area codes but rarely a message is left. This appears to be a {$100.00} debt as reported and these companies are freely and repeatedly violating the laws
Product: Credit reporting or other personal consumer reports

I am enrolled in the save plan. My monthly payment is {$0.00}, so my credit score should not drop XXXX points every month when i dont make a payment. In XXXX it dropped XXXX points, and in februrary it dropped again XXXX points. Somewhere between the credit reporting agencies and the student loan people there is a glitch it picks up the interest and reports it back as a negative balance essentially. The credit reporting agencies wont acknowledge it, and the student loan servicer sad " then pay the interest monthly and that wont happen ''. But if I am not required to make a payment then my score should not be impacted negativly. Their save plan is not advertised that way and does not meet the expectations of the consumer. I called the credit agency and they are not being helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXXXXXX.
Product: Credit card

To whom it XXXX concern : My name is XXXX XXXX. I am a consumer and is filing a complaint against Chase Bank, specifically the Chase Sapphire XXXX Credit Card. This is regarding the matter of them failing to reward the XXXX extra bonus points after I have completed the travel promotion as well as their poor communication to me in the last 2 months. From the way they handled this matter, I feel like I was scammed from the bank that Im actively using. 

On XX/XX/XXXX, I signed up for a travel offer where Id be earning extra XXXX points if I purchase a flight and hotel totaling {$100.00} minimum via Chase portal and completed it by XX/XX/XXXX. My flight was booked on XX/XX/XXXX. I completed the flight on XX/XX/XXXX. The price was # XXXX. My hotel was book on XX/XX/XXXX and I stayed at this hotel on XX/XX/XXXX totaling to {$140.00}. I even called the representative at Chase at the time of booking to confirm if Id qualify for this offer and was reassured I would. 

On XX/XX/XXXX, I called in to follow up on the reward points and was advised to wait XXXX weeks from the time I completed the promotion which was XX/XX/XXXX. On XX/XX/XXXX, I called again and this time they said someone will reach out to me via a letter in the mail. I was advised there was no other way to communicate. I was advised if I wish to communicate or file a complaint, I can write a letter to their po box . 

I called back first week of XXXX and now another person advised me it would be XXXX weeks from the time the promotion ended. The promotion ended on XX/XX/XXXX. Then, I called again when it was XXXX weeks from XX/XX/XXXX and on XX/XX/XXXX, a representative named XXXX said its actually XXXX weeks from the statement date. 

During all this time of incorrect information, I also communicated with Chase via secure portal. Someone named XXXX finally asked for proof of purchase on XX/XX/XXXX even though everything was booked via the Chase portal. The latest correspondence was from a rep named XXXX on XX/XX/XXXX who told me I was confused about this promotion. Because I used some points to lower the cost of purchase, the booking didnt qualify for the promotion. 

I am not sure why someone who works at Chase could not have told me this back in XXXX or even from the first time I called to confirm how to book correctly to qualify for the promotion. It was not until 2 months later with repetitive follow up from me that until today, they finally said oh by the way, you dont qualify for the promotion.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian sent their outcome verified and updated. Which has been reported as inaccurate information in my credit report for the last XXXX XXXX They have this account opened on XX/XX/XXXX and payment late XXXX XXXX late on XX/XX/XXXX. 
stating that the information has been verified and will not be removed from my credit report. 

I am requesting a re-investigation of these items. I do not believe that the information you received in your investigation was accurate or complete. 

A description of the procedure used to determine the accuracy and completeness of the information. I would like copies of any documents supporting the alleged verification. 
The name and contact number of whoever supplied the documents or information on which this decision was based. The name and contact number of whoever made the decision that this account is considered verified. 
Please be advised that simply repeating information received from other sources without actual verification of that information does not constitute an acceptable reinvestigation. This inaccurate information falsely manipulates the credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatly asked to have the account updated. Your neglect has once again violated my consumer rights. I am asking a deletion of the following accounts. Account Name : XXXX Account XXXX : XXXX XXXX Please provide this information within XXXX XXXX of your receipt of this letter. If I do not receive the requested information within this time I expect to see the disputed information removed from my credit report.