23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  - XXXX - {$5700.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card

On XX/XX/year>. I engaged in a purchase with XXXX  for various used RV equipment, including trailer hitches and electric RV stands, during their garage sale event. Following the transaction, I awaited the delivery of the purchased items, as agreed upon. 
However, after several weeks had passed without any update or delivery confirmation, I reached out to the merchant for clarification. To my dismay, I was informed by XXXX that they were unable to fulfill the order due to unforeseen circumstances. They explained that their merchant account had been closed, consequently hindering their ability to process transactions, including refunds. 
Despite my efforts to resolve the matter directly with the merchant, I have been unable to obtain a refund or any form of resolution. As a result, I am left with a significant financial loss and unresolved transaction Please note. 

I provide AMEX with proof of me trying to contact the merchant multiple time without success. 


Here are the dispute references numbers. 
XXXX XXXX XXXX I've reopened the dispute with amex 3 times. And it got closed. The reason they provided was. " Based on our review, we believe no goods and/or services were purchased or exchanged in this transaction. ''
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason one day says your account will be permanently limited, and and the funds on your paypal account will be available for withdraw after 180days. The money on my account is really important for me and my family, so I checked my account from time to time and wish to get updates from them for the withdraw, however, I noticed a total amount of $ XXXX was transferred to PAYPAL by paypal on XX/XX/2020 without my permission and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has put a fraudulent account on my credit report that was once reported before due to inaccuracy. According to Engelhardt v. Gravens ( mo 281 SW 715,719, I presume no proof of alleged debt, nor therefore any such debt, in fact therefor XXXX exists. Please be advised that I have retained legal counsel and will not hesitate to initiate legal proceedings if necessary. I trust that Equifax will take this matter seriously and act accordingly to resolve it expediently. 
Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX AUTO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BAN XXXX ) XXXX FXXXX XXXX XXXX
Product: Debt collection

Southwest credit keeps calling my phone. I spoken to 7 different agents over the last year and have asked them to not contact me anymore after one young lady cussed me out and another man told me that I was being sued. Ive blocked their numbers and theyll call from a different one. 2 months ago I was at work and they called my Phone 4 times after I was silencing because I was on the phone. Its a constant constant bother. Theyll call, I answer, theyll just sit on the phone and not say anything. Theyll say a SSN after I refuse. Give addresses that I dont live at. The last number they contacted me on was XXXX
Product: Debt collection

On XX/XX/XXXX, I received a call from an individual identifying himself as " XXXX XXXX '' from a debt collection agency. He informed me that my drivers license had been suspended due to a debt allegedly related to a car purchase made in XXXX. The amount in question was approximately {$500.00}. However, I have never received any formal documentation or written notice regarding this debt, which should have been provided by law. 

During the call, I repeatedly requested verification of the debt and clarification of the charges. The collector became increasingly hostile and aggressive, talking over, belittling, and implying that I was committing fraud. When I mentioned I would consult my father, a lawyer, to verify the details, the collector threatened legal action, including serving me with papers, and continued to pressure me to make an immediate payment without providing proof of the debt. 

I attempted to resolve the situation by asking for verification via email, but the collectors aggressive tone and threatening statements left me feeling unsafe and pressured. I felt that the companys behavior was inappropriate, and I suspect this may be a fraudulent attempt to collect money using scare tactics.

Actions Taken by Me : I requested verification of the debt and refused to make a payment until I received proper documentation. 
I informed the collector that I would seek legal advice and call back once I had more information. 

Actions Taken by the Company : The collector refused to verify the call. 
The collector threatened legal action and served papers within 103 days, further escalating the situation. 

I am seeking legal action against the company for its aggressive and threatening behavior and verification of this debt. If the debt is found to be fraudulent, I request that all records be cleared, and I be protected from further harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts total, 1 on XXXX, 2 on XXXX  and 1 on equifax which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.
Product: Money transfer, virtual currency, or money service

I am a small business owner of a XXXXXXXX XXXX and use PayPal XXXX XXXX to process my payments. During the process of opening the XXXX accounts in XX/XX/XXXX thru XX/XX/XXXX, I underwent a review process and submitted all business information including store leases, business insurance, secretary of state filings and state permits to show compliance. XXXX is legal to sell in Texas and I have all the appropriate licenses. I was approved for the merchant account and have been processing payments from my sales. I made a recent sale for services of XXXX on XX/XX/XXXX. On XX/XX/XXXX Paypal froze my account and requested information so that they could understand my business. I was asked to provide the same information as before along with inventory receipts, business information, vendor supplier information, overview of product & services and website. I complied immediately and PayPal is now asking for the same information again, this time under a new title. I feel that my small business is being targeted because of the XXXX. PayPal has usurped their authority and is holding funds that I need to pay my vendors which is causing me to suffer financially. I have been cooperative and responsive. Now they are auditing every sale prior to XX/XX/XXXX even one for XXXX cents. This is clearly discriminatory and designed to frustrate me so that I just give up. PayPal seems to be on a path to put me out of business. This is wrong. Everything they ask for I have provided and each time they come up with another hurdle that I must hop over. If I don't speak up they will continue with these requests and cause further hardship on me. This freeze on my account does not allow me to process current payments.
Product: Mortgage

We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ), disputing inaccurate and derogatory information on my credit report, including a bankruptcy record and incorrect personal information. The bankruptcy in question reports discrepancies, as it lists an incorrect court name, reference number, and filing date. This incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
To verify my identity and comply with FCRA guidelines, I enclosed copies of my driver 's license, Social Security card, and proof of address with the dispute letter. Despite providing the required information, TransUnion refused to conduct an investigation. On XXXX XXXX XXXX I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The FCRA clearly grants consumers the right to dispute inaccurate information on their credit reports, and TransUnion 's refusal to investigate violates this right.
Product: Credit card or prepaid card

I have a US Bank credit card account, I moved my office in approx XX/XX/XXXX, I attempted to change my mailing address multiple times online at US Bank but was unable to. I do get mailed statements so I made calendar notes to remind me to pay my US Bank invoice monthly. I did that each and every month on time payments. So I communicated with US Bank each month online and paid my monthly invoice. 

I sign on at the end of XX/XX/XXXX and see I have {$0.00} credit line available where it should be approx XXXX XXXX. I call customer service and they advise me US Bank has had 2 pieces of mail get returned to them so they closed my credit card account. I was not understanding how a client that used the credit card and made on time payments get his account closed because of returned mail. He advises me to send a dispute letter to a certain department. I send the letter and they respond the account has been closed for more than XXXX  days so they can not reopen the account. 

I call customer service again and they state the same, and tell me to send a second dispute letter which I did I also advise US Bank at that time they issued me a new credit card in XX/XX/XXXX and I have it in my hand. Credit cards don't get forwarded so US Bank clearly knows my address because I have the new credit card and use it for new charges in XX/XX/XXXX and XX/XX/XXXX. So clearly I have my new card mailed from US Bank and I have used it. 

I was not getting my statements because they would not allow me to change my mailing address online, But US Bank did deliver my new credit card to the correct address. 

US Bank 's response to the second dispute letter is the same they state because they have returned mail on my statements they have closed my account. 

I was advised today that my account was closed sometime in XX/XX/XXXX it has been a very short time they know who I am they know where I am this makes no sense to close my account over returned mail. 

My request is that my account is reopened and my credit line is reinstated. I continued to be an active client with US Bank using my credit card and paying on time each and every month. 

I will attached the related documentation.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that needs to be removed immediately I filed a ftc complaint Im going to attach it below
Product: Credit reporting

I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.
Product: Credit card

I applied for a Costco Anywhere Visa Card by Citibank and was denied. I was emailed a letter with the reason for denial but didn't understand the reason. I attempted several times to contact Citibank and was not able to receive the additional information that I needed. 
Furthermore, the denial was based on information provided by XXXX. I attempted to speak with a customer service representative, at XXXX, about the matter and was not able to. The only option given through the automated system is to be provided a credit report or score. 
I would like further clarification of the explanation for my denial from either Citibank or XXXX. 
Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX  Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.
Product: Debt collection

I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. 

On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. 

I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. 

I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. 

The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.
Product: Vehicle loan or lease

XX/XX/18 Santander Consumer reporter my auto loan past due 90 days. It has cause issue with my credit report my credit score has fallen 50 points for this error.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I received my Home Depot statement dated XX/XX/XXXX. I noticed 8 unpaid invoices in total amount of {$230.00}. I also noticed 2 unapplied payments dated XX/XX/XXXX in total amount of {$300.00}. My account activity page shows {$130.00} past due for 60-89 days. I called customer service on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve issue. I was not even listened to. I was told that Home Depot did NOT know how to apply my payments, therefore I am late. This is unacceptable. I paid MORE than the total amount due. Received 2 late payment fees and was reported 60 and 90 days late to credit reporting bureaus. Standard accounting procedures dictate that the oldest invoice/charge be credited when payment is applied. Only Home Depot DOES NOT FOLLOW this procedure. I was told I need to sign a form allowing them to make this change for me. XXXX and XXXX DO NOT APPLY payments this way
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting lates that should not be on my account. The lates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I have my account on auto payment and there is no reason for these lates to exist.
Product: Mortgage

Shellpoint mortgage servicing I believe has a complex scam going on. Just look at the XXXX complaints. They average one a day!!!!! 
It's always accounting " mistakes '' and " misunderstandings '' please investigate this company NOW!!!!! 

For me it's the app not letting me apply extra payments. I believe they have cookies preventing me for being able to click the button. And payments not applied ... ugh
Product: Credit reporting or other personal consumer reports

My account was supposed to be in forbearance until XXXX XXXX. They lifted the forbearance early and did not notify me and now my account is past due. I spoke with XXXX  people and no one knows how to fix the errors in reporting. The account is back in forbearance. Please remove the past due reporting.