23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$850.00} past due as of XX/XX/2023. Credit limit was only {$2000.00}, indicating over-limit status which I did not cause. 

XXXX  XXXX XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Status indicates " Paid, Closed, '' but I did not open this account. 
XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1600.00} written off. I did not open this account or incur this debt. 

XXXX XXXX ( 1st account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$200.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 
XXXX XXXX ( 2nd account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$230.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize the opening of this account. 

XXXX XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/2023. I did not create this account and am not responsible for the charges. 

XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 

XXXX XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/2023. I did not open this account or approve any charges. 

XXXX Account Number : XXXX Discrepancy : Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/2023. I have no knowledge of this account 's creation or charges. 

XXXX Account Number : XXXX Discrepancy : Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/2023. This is not my account, and I did not make these transactions. 

XXXX XXXX Account Number : XXXX Discrepancy : Transferred, closed. {$12000.00} written off. I did not create this account or incur this debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$970.00} past due as of XX/XX/2023. I do not recognize this account or the associated debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$4100.00} past due as of XX/XX/2023. This account is fraudulent, and I did not take on this obligation. 
XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2023. I did not open this account or accrue this debt. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : Collection account. {$120.00} past due as of XX/XX/2023. I do not acknowledge this debt or the associated collection action. 
XXXX XXXX XXXX  Account Number : XXXX Discrepancy : Collection account. {$2500.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize any activities leading to this collection.
Product: Debt collection

Portfolio Recovery Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

My complaint is against PayPal and their PAY in 4 service. On XX/XX/XXXX I purchased tires for my son using this service the amount was XXXX {$.00}. We attached his credit card to pay the four payments.On this date PayPal removed The first payment of XXXX. The merchant did not send for tires as we had purchased. They report two of the tires were lost in transit. They stated if we returned the two tires that we received they would refund the account in full. I immediately called PayPal and explain the situation to them. The male representative I spoke to told me this would not be an issue. He specifically told us to decline any further payments to the credit card as the merchant would be returning the funds. On XX/XX/XXXX the merchant returnsXXXX to the account. On XX/XX/XXXX PayPal credited my account the initial payment of two XXXX. They close the account as paid in good standing. The account was then re-open by PayPal and they began to report that I have missed two of the four payments. I sent to them statements from the credit card company showing that the first payment did go through the credit card account. Originally they had stated they never received the first payment. I then sent them statements showing that the amount that was disputed was closed when the merchant returned the monies to PayPal. I then sent a certified letter to PayPals legal department. I received a response from an attorney clearly stating that I owe no money on the account. I responded by email to her letter stating I was not asking for any monetary settlement I just want them to update their records to show my account does not owe any money to them. They refuse to do this. I have not received a response back from the attorney and as of this date the account still shows I/O money. on XX/XX/XXXX I received an email from PayPal stating they had transferred my account to XXXX to collect these funds they state I owe.
Product: Credit reporting

I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party Lexus Nexis is reporting the information inaccurately without knowing all the facts.
Product: Money transfer, virtual currency, or money service

We attempted to sell an item on XXXX XXXX. The prospective " buyer '' then told us money had been transferred. We then received an email from " XXXX '' explaining we needed to transfer money to the " buyer '' to " upgrade '' our XXXX account. We put in the requested {$300.00}, then an hour later received an email from " XXXX '' once again stating that the " buyer '' had {$700.00} withdrawn and that we were expected to reimburse the " buyer. '' We refused to do the second transfer, but we still feel we should get the {$300.00} back. We informed XXXX as soon as we received the second email and they refused to get our money back for us. 

The " buyer '' XXXX information is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the Fair Credit Reporting Act XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX RE : DEMAND for IMMEDIATE DELETION of unlawfully reporting of inaccurate, incomplete, and unverifiable information in dire infraction of federal laws. 
To whom it may concern CAPABLE of making appropriate changes, Please DELETE the illegally reported items below : XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Unverified through FCRA and Metro2 STANDARD. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Account # : -, Issue : Unverified through FCRA and Metro2 STANDARD. 
XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : UNVALIDATED THROGH FRCA AND METRO 2 COMPLIANCE XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Unverified through FCRA and Metro2 STANDARD. 


1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material About e-OSCAR ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumers credit history. If an account is modified or deleted, Carbon Copies are sent to each CRA with whom the DF has a reporting relationship. 

Cushman v. XXXX Credit Bureaus Must Delete Without Proof. 


XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was investing money into Coinbase for for crypto currency and all money was lost.
Product: Money transfer, virtual currency, or money service

hello, i deposited crypto currency into my XXXX  wallet to exchange into USD with cashapp. when i sent the money they closed my account and arent sending me back the XXXX i deposited and are refusing to get back to me.
Product: Credit card

I have XXXX Hilton Honor American Express XXXX XXXX cards, and XXXX of XXXX benefits is that there will be XXXX  Hilton Honor credits within the XXXX date, and you will have to check with the agent on how much credits you have left, it wont appear on the App nor the website. So I checked with the Amex XXXX on the web chat and request to check how much credits that I have left for the remaining of the year before I decide what hotels that I should choose so I can fully utilize my benefits, and according to the agents, both of my cards still have full XXXX credit remaining for the XXXX, I trust them so I choose to stay with the XXXX resorts in XXXX XXXX to enjoy my benefits for the remaining of the XXXX, however, after I completed my stay with XXXX XXXX in XXXX XXXX, Amex only credit me part of the part and stating that I have spent part of my credits, which I have no clue why the agent lied to me about my resort credits for misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint in only 1 day against TransUnion. I had 36 mistakes just this year in my file with TransUnion and I called so many times, they regularary hung up on me because they don't care. 

This time is that on XX/XX/XXXX, finally my score went up 69 points because I paid my credit cards. I did not know, being immigrant from XXXX, that in the USA, you should not spend more than 20 % of the amount of your credit cards limit. What's the point - it is so stupid. If you have an emergency, let 's say the dentist, you pay with your credit card, and it was not enough to be in pain because of a tooth, that you need to lose point from your credit score. - Where is the logic. 

In any event, I increased 69 points, but on XX/XX/2019, I lost 79 points for no reason that I can see, I did not spend on credit cards, I did not have a new debts. I called a supervisor in the USA, he did not give me his name, he told me that the reason is that I had two ACCOUNTS, yes two ACCOUNTS and they were merged and my score decreased of 79 points. I was fuming, how it is possible to have two accounts, it's not a bank account, it's my credit score linked with what? my Social Security Number. And as everyone else I have only one SSN.

He told me that, of course, there's nothing else to do and he put an end at the conversation and hung up.

If it's the case, that means that TransUnion only as Reporting Agency merged my XXXX Social Security Number with the USA ones. This is not acceptable, both countries has different laws and Credit Bureaus in XXXX are not important at all, certainly not like in the USA. By law in XXXX, our SSN can not be disclose easily, so if TransUnion used my SSN from XXXX, they are in an illegal position with XXXX. There's always a disclosure in XXXX on that card saying that this number and card belong exclusively to the Government. In any event, XXXX and USA are two different countries and totally two different court systems and different laws. Again it is only TransUnion who does that kind of thing, always trying to destyroy someone aggressively, but always pretending to report only.
Product: Debt collection

I HAVE REACHED OUT ON SEVERAL DIFFERENT OCCASIONS REQUESTING INFORMATION FROM THIS COMPANY TO PROVIDE ME WITH SPECIFIC INFORMATION PERTAINING TO DEBT THIS COMPANY IS SAYING I OWE, WHO HAS GRANTED THEM THE AUTHORITY TO COLLECT THIS DEBT, WHEN DID THEY ACQUIRE THE DEBT, AND A COPY OF THE AGREEMENT I SIGNED WITH THE COMPANY THAT BEARS MY SIGNATURE THAT LEGALLY BINDS ME TO TERMS THAT REQUIRE PAYMENT WHICH CONSTITUTES COLLECTION AND REPORTING ON MY CREDIT. THE COMPANY HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED YET THEY ARE STILL REPORTING INFORMATION NEGATIVELY ON MY CREDIT REPORT.. I HAVE BEEN REQUESTING THE SAME INFORMATION FOR SEVERAL MONTHS WHICH IS A RIGHT I HAVE UNDER FCRA AND FDCPA. THIS COMPANY HAS NOT SENT THE INFO OR PROVIDED ME WITH PROOF IN A TIMELY MANNER WHICH IS AGAINST THE LAW
Product: Debt collection

My brother received a call from West Assist Management and told him I them {$1000.00} and that if I did n't pay them I 'd face legal action.They also tried to badger my brother into paying.I 've never given my brothers contact information to anyone. I also believe this information is incorrect.I have never had services with this company and have no knowledge of why they 're even on my credit report.
Product: Credit reporting or other personal consumer reports

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be removed from credit report. 

AMER FST FIN Account XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I've provided the needed documentation to experian on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was currently applying for an unsecured credit card with Capital One Bank USA. Once approved for the card, some 3 of the same type of inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showed up on my credit report that I didnt do. Please check into this issue so it doesnt affect my credit score.
Product: Mortgage

Beginning in midMarch we discovered a problem with the title on our property. After a refi, LoanCare paid off the 1st mortgage ( see receipt ) but put the wrong bank on the discharge. 

We contacted them and they escalated and assigned a case manager ( XXXX ) and case number ( XXXX XXXX XXXX ) who we have talked to twice. We call everyday and are told she'll call back. 

We filed a cfpb complaint in early XXXX ( XXXX ) against the mortgage bank ( platinum ) who replied that they have sent all the relevant info to LoanCare. 

LoanCare still has not made any progress on a revised discharge. They should have everything they need to issue it. This had been going on for a month and it has held up my sale of my house past closing and upset my buyers who are threatening to bail.
Product: Checking or savings account

A citizens bank employee used an unauthorized bank account to pay a one time payment towards my mortgage. As a result of his huge error, it caused my checking account to be overdrawn severely. I quickly moved money from another account to my checking account as it was taking citizens too long to fix the issue. I raised the complaint to the Chairmans Office and have been speaking to XXXX. He has been extremely unresponsive taking 4-5 days to return my calls or answer my emails. Its come to a point where Ive asked to speak to his supervisor and he refuses to give me the information. The initial fraudulent activity on my account hasnt been resolved and its been more than a month. Id like to escalate the issue to the next level since XXXX has been unresponsive and is causing me undue stress based on a huge mistake made by an employee with intent to cause fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX