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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last year, I did a pre-order release where the customer pays and waits 15 days for production. I use the XXXX platform and have PayPal as one of my payment options. Previously, I always had a very low dispute/refund percentage. 

Now, I put the pre-order online, and a significant amount comes into my business PayPal account. ( XXXX ) PayPal holds this entire amount for 180 days to potentially refund any disputes to the customer. Not only do they hold my money, but they also 'freeze ' my account, which means I can't do anything, not even refund the customer whom PayPal claims to be protecting. 

Some customers cancel their orders or exchange their items, e.g., one pair of pants for one hoodie. I want to refund the difference to the customer ( 15 ). 

However, I can't because PayPal has frozen my account to 'protect ' the customer. The customer waits too long, so they make a claim via PayPal, which results in PayPal refunding the ENTIRE amount to the customer instead of the 15 difference. PayPal doesn't use the held funds to refund this dispute but instead puts my balance into the negative. 

180 days pass, I contact them to release my money. PayPal says they will do this within 24 hours. I contact them after 2 days to ask when this will happen, only to be told they have decided to hold my money for an EXTRA 180 days. 

Meanwhile, disputes keep coming in. PayPal keeps refunding the full purchase amount XXXX XXXX XXXX to the customer instead of the difference that should be refunded XXXX XXXX XXXX 

As a result, the customer gets their order completely free. They charge an extra fee of XXXX per dispute. 

My balance keeps going below XXXX, and I have to constantly refill it with private funds, only to be told that my money is still being held. 

What can I do, or where can I report this? My business is suffering enormous financial damage and damage to my reputation. 

I try to help the customer, but PayPal freezes my balance, making the customer think I am making excuses not to refund the XXXX. ''
Product: Vehicle loan or lease

I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX  over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX  as delinquent and derogatory. XXXX  and XXXX  had not problem removing it but XXXX  has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. I have sent a complaint to the XXXX XXXX office and XXXX XXXX XXXX Experian is reporting a fraudulent account on my credit report. I have sent a FTC report. Also I notified the company and Experian of this fraud. This account came back as verified by Experian. Not sure what is going on but this is not my account and I have done all necessary protocols to report and dispute the fraudulent account. This account is causing irreputable damages and needs to be removed immediately.
Product: Credit card or prepaid card

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My payment wasnt going through there system and so they canceled my account. Due to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Vehicle loan or lease

I have a car loan being serviced by SunTrust Bank. I want to be able to see how my payments are being applied to interest and principal. I can log into my account, but the information provided online by SunTrust does not include a breakdown of how my payments are being applied, so I have no way to assess whether they are being applied properly. I have contacted SunTrust by telephone and by online messaging, and they informed me that I can go through a cumbersome process to have the information sent to me by snail mail. I don't want to have to go through this every time I make a payment! This information should be readily available to me! ( I've attached a transcript of my most recent attempt to communicate with SunTrust -- a difficult and fruitless process. )
Product: Credit card or prepaid card

While making a reservation on XXXX XXXX in XX/XX/2018, I was offered a promotion by AMEX to open a co-branded Gold Delta Skymiles card with a promotion of {$200.00} in statement credit and XXXX Bonus Miles if I spent a certain amount in the first 3 months. The offer clearly stated that it was only for New Account Holders who did not have this card in the last year. I had a similar card 2 years ago but since the stipulation was only for the last year, I signed up for the card. I met their spend requirement and even after 10 months I have not been given the statement credit or the bonus miles. I have called multiple times and was told that they will investigate and get back to me but no one did. Finally when I called today, first they make me hold and then hang up on me. And when I called again, I was again put on a long hold and then told that since I had the card in the past they did not give me the promotional offer although the offer very clearly stipulated the restricted time of 1 year. The agent was like we are sorry that the online offer was misleading and did not match and I will ask our marketing team to review the offer materials but would give me no time frame for any resolution.
Product: Credit card

Credit limit was supposed to be XXXX limit was changed to XXXX without any reason or notice how I found out tried to make in store purchase was denied in front of a lot of customers cashier said I was over limit I said that's not possible my limit is XXXX she check to make sure n that was the case felt embarrassed and humiliated because of this changed I was over my credit limit getting charged fees and late payment including interest fees which was supposed to be waved for 12 months until XX/XX/year> on top of that it's ruining my credit worthiness debt to credit is bad being reported over limit and late payment because of the change the company made without notification this action has caused hardship on me n my family would like company to resolve this issue and remove all negative issues from my credit reports and reimburse me for late payment 's and interest fees that wouldn't be there if not will seek legal representation for a lawsuit claim
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX  XXXX Balance : {$4800.00}.
Product: Credit reporting or other personal consumer reports

I see that Equifax is reporting XXXX XXXX XXXX on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, the Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Then 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " 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 ''. Equifax is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress 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 ''. Also I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. All the transaction history is illegal to report and should not be reported on my credit report from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, Type of the account, as well as the amount, I've downloaded proof of this in the CFPB portable and Experian has failed to look at the proof, that was submitted on XX/XX/XXXX complaint number XXXX. This account XXXX was reported as an ( Auto Loan ) which is incorrect the true account type is a ( Retail Purchase Agreement ). Through XXXX of XXXX. also the purchase date being reported is XX/XX/XXXX that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XX/XX/XXXX. The inconsistency and Experian failing to do a thorough investigation is a violation of my rights. Again I have downloaded proof of this matter through the CFPB portal and expect a fair investigation. NOTE : I've downloaded proof of Date the account was opened, Proof of the true Balance and amount Paid, Proof of original Contract from XXXX XXXX XXXX vin ending in XXXX stating type of Sale ( Retail Purchase Agreement ). and a copy of Experian email that was sent me.
Product: Mortgage

I have been unsuccessfully trying to contact a human person at thiscompany for over two weeks. I have also put numerous requests thru the online system which also went unanswered. My concern is with my mortgage payment and I need verification that we will not be charged any fees for late payments. 

On XX/XX/XXXX, I mailed check number # XXXX to the company. This was for the Escrow shortage of the year. The check was for {$330.00}. As of today, this check has still not been cashed or processed. Secondly, on XX/XX/XXXX, I mailed in our monthly mortgage payment in the amount of {$2400.00}. This was check number # XXXX. 

After trying to get thru to this company and not being able to, I placed a stop payment on the check # XXXX and paid a {$30.00} fee with my bank to get this accomplished. I then completed a onetime payment on the website of {$2500.00} on XX/XX/XXXX so that our monthly payment would be covered, and we would not get a late fee. 

I then got notification that the check # XXXX has cashed! You can imagine my annoyance when this cleared. This check was returned, and I was charged a fee. 

At this time, the check for the shortage of {$330.00} has also been returned and we have a late fee on the account.
Product: Mortgage

I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$1000.00} from XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request.

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Collection account. {$4200.00} past due as of XX/XX/XXXXXXXX  Status Updated XXXX XXXX  Balance {$4200.00} Balance Updated XX/XX/XXXXXXXX  Recent Payment - Monthly Payment - Original Balance {$3000.00} Highest Balance - Terms 1 Months " This 3rd COLLECTIONS agency has been claiming that I owe a debt, despite me repeatedly telling them that I do not have any account with them. They have been continuously harassing my credit since XXXX. I just had three separate phone calls with them where they asked for my personal information to re-contract, but I made it clear that I have no intention of contracting with them. They have refused to remove the debt from my record, so I have already reached out to XXXX to report their false information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My account Payment History from  XXXX  was disputed, as it was erroneously reported that I was 90 days late. I wasnt 90 days late, as I was in forbearance. I sent in evidence and you confirmed w/ the  XXXX , that my account was in forbearance AND not 90 days late. Attached are screen shots from my credit report today and that on   XX/XX/XXXX . Notice  the missing payment history.   XXXX  Please correct my payment history that was removed. Payment history is 30 % of my  credit score a nd its accuracy is most important. Payment History from   XX/XX/XXXX   and  XX/XX/XXXX  is missing!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX XXXX VIOLATONS Fair Credit Billing Act FTC VIOLATIONS
Product: Credit card or prepaid card

I used a Barclay XXXX Rewards card to make a purchase at the XXXX XXXX store. According to the XXXX site, financing is available for purchases for 6-18 months depending on amount spent. I did not have a previous balance and I paid {$400.00} in payments toward the balance, the transactions were for XXXX products only and received an interest charge for {$48.00}. I called Barclay and spoke to XXXX operator # XXXX and was told, I had to call in to verify the financing, which was not stated on the site that a call was necessary to get the financing. I also spoke to XXXX operation # XXXX and she told me the financing was only available on " some days '', not every day. None of this information is on XXXX 's financing page found here : https : //XXXX  XXXX XXXX , illinois card ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$570.00} The following accounts has late reporting that were caused by inaccurate billing. I was never late with these accounts as I am a good paying customer.
Product: Credit reporting

I have a collection on my XXXX report from the company AAS DEBT RECOVERY INC XXXX They claim is is from a bank, I have called this company and they have no debt validation and they still will not remove the collection.
Product: Checking or savings account

Chase tellers failed to recognize the fake ID and gave away {$11000.00} of my money from my checking account, which I need to use now and can not access due to their error. I submitted a claim with the JP Morgan Chase claim department on XX/XX/XXXX  and still did not receive my money back.
Product: Credit reporting or other personal consumer reports

To remove fraudulent inquiries off my credit report frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing funding to buy a home in XXXX. for my family, these unwarranted entries persist despite multiple attempts to have them removed. 

XXXX inquiries Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 inquiry XXXXXXXX XXXX
Product: Credit card

I do not receive any reminders on the day my payment is due. This can result in a {$40.00} fee for forgetting to pay on time. The following day. Chase does not send payment reminders in order to collect fees.