23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and Experian also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX was in shock because I was never late in my payments.The information is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX, XXXX  XXXX XXXX date XX/XX/XXXX, XXXX XXXX, I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Product: Money transfer, virtual currency, or money service

A series of unauthorized charges were made using my PayPal account. The charges are as followings : {$410.00} to XXXX on XXXX XXXX, 2020 {$350.00} to XXXX on XXXX XXXX, 2020 {$370.00} to XXXX on XXXX XXXX, 2020 I contacted XXXX on XX/XX/2020 to dispute these charges and file a complaint about unauthorized purchases. These complaints were denied and I appealed. During these conversations I learned that there was suspicious login activity on my PayPal account on XXXX XXXX and/or XXXX XXXX, 2020 and this was likely the cause for these unauthorized purchases. 

I also contacted by bank ( XXXX XXXX XXXX ) and credit card company ( XXXX ) as both of these accounts were connected to my PayPal account to notify them about the fraud. I was able to close the account with XXXX that was connected to PayPal so these fraudulent purchases would not go through. 

I was told by PayPal representatives that some of the appeals were granted and some were denied. I was given no explanation why some were denied. Instead I was told they would need to work with supervisors to get these denied appeals corrected. Instead, some of these fraudulent purchases are still being denied as fraud by PayPal and the are now trying to collect these as debt. 

Last week I was contacted by XXXX XXXX XXXX XXXX trying to collect {$760.00} from PayPal. This amount is related to the fraudulent and unauthorized purchases described above. I plan on notifying the debt collection agency via writing that this debt is based on fraudulent activity.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY : XXXX XXXX INSURANCE COMPANY : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " XXXX XXXX  '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE XXXX XXXX  ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON THE VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO XXXX XXXX AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO XXXX XXXX 

I HAVE A COPY OF MY PAYMENT MADE TO XXXX XXXX FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX XXXX  TO XXXX XXXX XXXX XXXX HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

XXXX XXXX  HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO XXXX XXXX AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Product: Mortgage

My prior claim numberXXXX Well to start again I finally got a bill like normal companys send. The statement does show what you show pay them. It does not show payment or mortgage balance. How cam a company you pay XXXX $ per month and show nothing. Maybe the need some better management. They will not tell me who they pay my money too. They have not got my harp payment either. They had a lien put on our home because they never made a proper payment. They paidXXXX however the missed a payment somehow and due last XXXX XXXX.i told and sent the papers in XXXX. So the money owed is costing me because of late charges. I also want the lein taken off our home.can someone tell me why does a mortgage company need you to send your money to another company to pay your mortgage. Who is paying for that. The mortgage company that I dont even XXXX who they are. I cant believe this XXXX. I never had a problem with any company like this slip share company. They cant be doing this to just me. They need to be put out of business. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted, repeatedly, to file a dispute and keep receiving an error message stating, " We're experiencing technical difficulties and can not access your report at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed off a letter to all XXXX credit agencies. Within the letter I asked them specifically to investigate many accounts and made them aware of the inaccuracies. I also asked them to remove many of the hard inquiries for a specific date as its related to the same issue and the laws state I can only have XXXX hard inquiry affect me when its for the same usage, in this case it was car shopping. Today marks the XXXX day since I sent the letters which is in regulation with the FCRA time frame. I received letters from Experian and XXXX stating everything was complete. After receiving these letters, I checked my credit report and still found several inaccuracies. This is willful noncompliance. According to the FCRA any inaccuracies should be corrected or deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an account in my name. The account number is XXXX. This account is fraudulent and was not opened by me. Please have this account removed off of my credit report immediately. 

Fair Collections and Out ( XXXX XXXX ) has fraudulent account opened in my name as well. The account number is XXXX. Please have this account removed off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

I spoke with someone Saturday XXXX XXXX  XXXX  regarding this matter. he said he would send it to my email its been days and he haven't I took the steps he recommended and got an ftc report. He said he would send it to a address on file name XXXX which I never stayed at that address is not even tied to none of my credit reports or accounts reporting on file. So he said I would send it to your email he never did. And I have that call on recording. This account is fraud and im requesting immediate removal of this account. As the information you guys are reporting is not accurate. And if so if you believe this is me please provide copies of id, social and a copy of the contract / application that i signed which I know i never had also provide me with footage of this.
Product: Credit card

I tried to use my Amazon rewards card issued by Chase and my purchased was declined due to Chase having cancelled my credit card account without prior notice to me. I have been a user of this card for several years and I have never been late nor had any problem with Chase prior to this. I called Chase Credit Card Customer service to see why my card was declined by Amazon. The rep said your account was cancelled due to possible fraud from a XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX when I called them, they had never sent any notice of this potential fraud and they had not informed me the card was can cancelled. It appears they broke credit card laws by not informing me of possible fraud on my account. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX XXXX my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run on XX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

Capital reported my account late and according to credit bureaus and according to my report in which I looked at my credit report and noticed I had a late payment. The credit card account that I have FCRA usc 15 1665b That you will not be paying the additional finance charge. Also Im using code 15 usc6802 and I didnt give the right to have my personal information disclosed. Also 15 usc 1666b states A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the pay- ment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Im asking for your assistance in this matter to remove late payment from my credit reports all the credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i spoke with representatives at XXXX, equifax, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.
Product: Money transfer, virtual currency, or money service

Issue : Receiver has not received the fund transferred via Western Union. The company is not ready to issue a refund neither provide a satisfactory traceback. 

Reference : Tracking number ( XXXX ) : XXXX XXXX XXXX Details : On XX/XX/2021, I transferred USD XXXX, equivalent to XXXX  XXXX to my friend in XXXX through Western Union Money transfer service. 

According to the receipt attached, they had promised to transfer the amount to the receiver on the same day itself. But the receiver has not received it even on this day of filing this complaint ( XX/XX/2021 ) Transaction Information : Western Union provided two options to debit the fund to the receiver 's account. 
Option 1 : Using standard Bank Account details and Routing number Option 2 : Using a code called UPI code When I tried to enter the bank details directly from the receiver 's bank pass book, the form threw an error and didn't accept the bank account number. 

Therefore, I tried choosing the second option - UPI code - which the registration form accepted. Then I proceeded to make the payment of USDXXXX and the same amount got debited from my local XXXX account. 

But the receiver has NOT received the money yet. I filed several complaints with Western Union and they have not given me a proper answer. 

Actions taken : I registered a complaint and was given a case file, but they didn't give me a proper resolution to my complaint. 

They repeatedly claimed that the funds have been transferred to the receiver. 

When I raised the issue several times, Western Union offered to trace back the amount, but and sent me a trace report which is attached. The report DOES NOT provide details of the receiver or the receiver 's bank account. It simply gives an IFSC code, equivalent to a routing number of a different bank than the receiver 's bank. 

I pointed out that the destination bank is incorrect and the receiver 's details are not available, I requested to provide a complete trace back on who received the fund, their account details, date of credit and contact. 

Further, the UPI code of the receiver is hashed out in the receipt and in the traceback report provided by Western Union. This has to be revealed completely to cross check the code with the receiver 's code which I registered with Western Union - XXXX @ XXXX But Western Union refused to assist me any further, neither they wouldn't refund the amount even though it was sent to a different bank incorrectly by Western Union.
Product: Debt collection

In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX  XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX  as XXXX XXXX  XXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXX XXXX  XXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXX XXXX  XXXX actually requested prior to lending {$300.00} to someone who claimed to be me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> {$430.00} By the provisions of the Fair Credit Reporting Act, I demand that this items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX venmo added two deposits and then obviously pulled them in the amounts of XXXX and XXXX. I was supposed to put them in to verify in the order I received them ... I did -- it says not able to verify account then just to make sure I switched the amounts from the amount last deposited to current and that did not obviously work either... contacted them where they pretended they already answered the complaint when they didn't -- so I told them I still needed help bc my bank XXXX XXXXXXXX says venmo is the one with the problem... we all see the deposits they're the ones saying they can't verify it. 


see below XX/XX/XXXX Icon VENMO Transfer + {$0.00} $ Transaction Type : Electronic transfer XX/XX/XXXX Icon VENMO Transfer + {$0.00}
Product: Credit reporting or other personal consumer reports

No compliance to my needs for their mistakes to my report and no remorse for my situation and financial hardship compensation agreement offer for letting XXXX XXXX XXXX XXXX be on my report after it was deleted and the embarrassment they caused with my name and respect in the credit world.Even though they deleted the account that supposed to have been deleted and never ever appear nowhere near my file they allowed them access to my files .I don't deserve to be ignored even if a lawsuit has to be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to XXXX, Transunion, and XXXX regarding the accounts in question with no results of an accurate investigation.
Product: Vehicle loan or lease

Have been to add credit for insufficient income or income too low by capital one XXXX  XXXX XXXX, XXXX  to name a few and Ive asked them all to show me a law that states you have to have income to receive a consumer credit transaction loan federal reserve section 16 part one and two says nothing about income Thing you need is the collateral security to go to the now discount window in the bank are supposed to be a service provider not one to deny credit and a consumer loan. The only ones that deny credit is the federal reserve board of governors so how is the banks getting away with denying ones credit When it clearly states to pay back, the principal is with interest not income thats in ability of exchange activate XXXX. How come no laws have to be followed by the bank or they can break everyone of them and no agency including yourself does anything this needs to change if you can explain to me why I have to have income when theres no laws how can they deny you for credit when theres no laws on the book saying you have to have income the only thing on the books is saying you cant pay back with income the only way to pay alone is to pay the principal with the interest
Product: Credit reporting

This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
Product: Credit card or prepaid card

I made a purchase of {$930.00} for two tickets and insurance for a concert. This purchase was made in XX/XX/XXXX and the concert happened in XX/XX/XXXX. I unfortunately was unable to attend due to medical reasons. I purchased insurance for instances like this. I made my claim with the venue and never received a response. I took the issue with my creditor however the issue was never resolved even after disputing the amount 4 times. The company that issued the tickets was XXXX XXXX. And my creditor was Paypal Credit. The concert was XXXX XXXX XXXX and my order # is XXXX
Product: Credit card

PNC has violated my privacy by placing my private XXXX information inside of my son 's student virtual wallet account. My son is not a joint owner, not a co-signer, not an authorized user, nor entitled to access my XXXX in any way. PNC has confirmed that my son is not associated with my XXXX account. Yet to access my personal XXXX information, I must first access my son 's student virtual wallet account. To pay my XXXX bill, it must be done through my son 's checking account. I have contacted PNC three times over the course of 5 days. PNC has refused to remove my XXXX account information from my son 's student virtual wallet account. A PNC customer service agent has told me that there is no way for PNC to restore my right to privacy with my XXXX information.