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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

From what I was told when I signed up with this card, I was not going to be charged if I didn't have the funds in my account. When I opened this account, I had come from XXXX and even XXXX XXXX XXXX with the promise that I wasn't going to get charged overdraft fees from the company and a transaction would not take place if the money wasn't in the account. 
THIS means " every day '' card purchases, this does not mean any other types of purchases. That means that if you go to the grocery store and try to buy something, it will decline if funds are not available. That makes sense. But why am I being charged AT ALL if the money isn't in there? 
It's been so long, and I finally read the verbiage used in the disclosure about overdraft fees and they say they will pay things to their discretion. I have called them to ask them not to take the fees if the fees aren't in there. This is not my primary account and I am switching to an account that doesn't take money if the money isn't in there. If paying something is up to the discretion of a company, they will pay it because they know I'm going to pay hundreds of dollars in overdraft fees every single year for it. With that said, I have tried closing my account multiple times now and they tell me that I can't if I have pending transactions. So then I have to wait. In the meantime, another thing ( to their discretion ) is paid, and another fee is attached to it! I don't even use the account anymore, and I feel like I'm being cornered. I would like all of my money back for the fees, I have paid the company more than enough money for paying bills that I told them not to take out unless the money was in there, but they pay it ( to their discretion for a {$34.00} fee ). This doesn't seem like a bank to me, it seems like a business where they make more money and they can not be trusted with my business.
Product: Vehicle loan or lease

lease term terminated on XX/XX/XXXX and car was returned on XXXX.Final payment was made on XX/XX/XXXX. US Bank took another payment out of my bank account on XX/XX/XXXX. This must be illegal. On XX/XX/XXXX they told me they would mail me a refund. I asked them to electronically credit my bank account but they said they can not do that. They now tell me that check was mailed to me on XX/XX/XXXX but i have not received it. They say it can take 14 business days after they mail it. They offered to stop payment and issue another check but that process would take up to 24 business days. this would mean I might get refund over 2 months after they illegally took my money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions XX/XX/year>, and XX/XX/year> for my credit report. I was told that I would receive in 15 days I havent received anything!
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported this collection account on my credit report which was not an account of mine. According to Experian credit reporting agency there was a XXXX XXXX account opened in XX/XX/year> and reported as a collection account. I have uploaded screenshots of the information found on my credit bureau report. 

I have contacted XXXX by phone and email notifying them of this Fraudulent account. This is the second time XXXX has allowed someone to open an account using my personal information. The previous account was closed after I contacted XXXX. They are refusing to remove this account from my credit without me sending them a copy of my Driver 's License. I don't feel comfortable sending a copy of my Driver 's License to a company that I'm not doing business with. 

I have emails from the executive office that they have declined my request to remove this information without providing them with my ID.
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting a XXXX late payment for the month of XXXX in XXXX. 
The account shows an on time payment for XXXX. this is a violation for the FCRA. An account has to be 30 days late before bureau reports as late. This account doesn't fall within that scope and is not 30 days late.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX XXXX  days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting a debt on my credit report. XXXX, XXXX and XXXX. According to 15 U.S. Code 1692g - Validation of debts. I respected a copy of a contract that I agreed to pay this debt and that I am the owner of this debt. They have not provided any documentation that I owed this debt. I am a victim of Identity, and this is not my debt. They have not provided me with any validation. 
I am a victim of identity theft. I will be force to take legal actions if this is not deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Navient is my student loan servicer. 

2. They are reporting my student loan status to XXXX and XXXX as " Paid or paying as agreed. '' which is correct BUT to XXXX as " Was delinquent 180 days or more past due date. '' which is NOT correct!

3. I wrote Navient in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX  XXXX. It is not responsive to my request. 

4. I wrote XXXX to dispute the incorrect information. They responded saying that Navient has confirmed the entry.
Product: Checking or savings account

I was involved in cryptocurrency scam. I followed the ads placed on XXXX to invest into Cryptocurrency. I was direct to XXXX XXXX to communication in a group and with Professors and assistants. The require a deposit to start some continue to ask for more and other won't tell you when its best to not invest and you lose your money. After the money is lost they will tell you your money is too little and request you to add more funds. If you are successful, they will prevent you from withdrawing or won't allow you and will continue to ask to have more funds deposited. Some companies like XXXX and XXXX also know as XXXX have completed deleted the sites. This leave no access to your funds or customer service if they have not contacted you through XXXX XXXX. These companies offering to teach you about investing in cryptocurrency while allowing you to make a one time withdraw of {$100.00} or {$1000.00} to prove you can withdraw. Then on the second withdraw you won't be able to withdraw again. 
That being said, I purchased most of my investments with my debit and bank withdraws from my Chase account. After realizing that I would not receive what I was purchasing, I contacted Chase Bank. I reported the companies and the date involved. I answered all the questions asked to be told that I could not make a claim on my debit transaction and that a claim could only be made with my bank wire transfers. I received in the mail that no action will be taken and the claim is complete. Other companies or websites involved includes XXXX, XXXX, XXXX, XXXX, and XXXX. 
The transaction inquiry involved includes 1.Misc debit XXXX {$1500.00} no claim and no action taken per customer service agents 2.Wire transfer XXXX {$3900.00} claim sent and no action taken per mailed letter 3.Misc Debit XXXXXXXX {$5000.00} no claim and no action taken per customer service agents 4.Wire Transfer  XX/XX/23 {$900.00} claim sent and no action per mailed letter 5.Wire Transfer XXXX {$1100.00} claim sent and no action taken per mailed letter I have also made a statement and filed a police report and report to the FTC.
Product: Credit reporting or other personal consumer reports

I opened my original account with credit castle holdings when I purchased a water softener for my home XXXX XXXX for XXXX. They said I would have 90 days before I had to make my first payment of XXXX. I would make these payments until the softner was paid off but I was able to make larger payments to pay it off quicker. 
My first payment was made XX/XX/XXXX for XXXX XXXX 
Then every month there after on XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Payment Timeline and Analysis First Payment : XX/XX/XXXX : {$1000.00} Covers 13 months of payments ( {$1000.00} {$71.00} XXXX payments ), putting me ahead until XX/XX/XXXX. 
Monthly Payments : XX/XX/XXXX - XX/XX/XXXX : {$71.00} paid each month on or close to the due date. 
I remained current through XX/XX/XXXX. 
XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : Late by 26 days. 
XXXX and XX/XX/XXXX : XX/XX/XXXX : {$140.00} Covers two months ( XXXX and XX/XX/XXXX ). 
XX/XX/XXXX : {$140.00} Covers XXXX and XX/XX/XXXX. 
XXXX  : XXXX - XX/XX/XXXX : No payments were made during this period. 
XX/XX/XXXX Catch-Up : My card changed and it was no longer on automatic draft. Once i logged into my account I saw a payment that needed to be made for XXXX so i paid it immediately and set my account back up on automatic draft. 

XX/XX/XXXX : {$640.00} Covers 9 months ( XXXX - XX/XX/XXXX ). 
XX/XX/XXXX- XX/XX/XXXX : My issue is, I have never had a negative remark on my credit and I expected them to at least notify me first to reconcile before just charging my account off then continuing to take payments from me. I went and read the reviews for this company and it is nothing but negative reviews of similar issues with customers. I will also be filing a complaint with the XXXX  because peoples lives are attached to this and they shouldnt be able to do things like this multiple times to multiple people. 

When i log into my account it still says current and is still asking me for my monthly payments. Then when i go to my transaction section it only shows that i have made only about XXXX payments when i have bank statements to prove i have made way more.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against PayPal regarding their handling of a dispute related to my XXXX subscription payments. Here are the relevant PayPal invoice IDs for the disputed transactions : XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX Since XX/XX/year>, I have experienced significant technical issues with XXXX XXXX, specifically the failure to sync the currently playing song across my devices ( XXXX XXXX and iPhones ), which inhibited my ability to play music at all. Despite multiple troubleshooting attempts and contacting XXXX support, the issues persisted, making the service effectively unusable. 

During a chat with XXXX support agent XXXX XXXX, I experienced unprofessional and retaliatory behavior. XXXX XXXX intentionally logged me out of my account multiple times without prior notification, forcing me to reset my password multiple times. This behavior appeared intentional and retaliatory. Furthermore, XXXX XXXX provided contradictory statements and refused to escalate my issue to higher technical support or a XXXX support team, despite my repeated requests. 

In response to my detailed complaints, XXXX has provided templated responses that do not address the core issues. Their claim that previous charges have not been disputed is false, as evidenced by my communication records with PayPal. Additionally, their reference to the fourteen-day cooling-off period is irrelevant to my dispute, which is based on the service being defective and unusable, not a mere change of mind. 

Despite reporting these issues to PayPal, the company has not assigned a senior agent to investigate this complex issue. PayPals Purchase Protection policy states that buyers are entitled to refunds if the service provided is not as described or is defective. This policy explicitly covers situations where the seller fails to deliver the promised service, which is the case with XXXX. 

Relevant Legal References : District of Columbia Consumer Protection Procedures Act ( DCCPPA ) requires service providers to deliver reasonable customer service and prohibits deceptive trade practices. 

PayPals Purchase Protection policy covers refunds for items or services that do not arrive or do not match the sellers description. 

The Consumer Financial Protection Bureau ( CFPB ) enforces that financial institutions like PayPal must handle disputes fairly and transparently, providing adequate customer service and ensuring that consumers can seek redress when services are not provided as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and Equifax in the amount of XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as XXXX and Equifax violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/XXXX/Equifax. XXXX XXXX company in the amount of XXXX with-XXXX/XXXX.XXXX   XXXX in the amount of XXXX.with-XXXX/Equifax.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Product: Credit reporting or other personal consumer reports

I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all XXXX credit agencies ( XXXX, XXXX and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during XXXX. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( American Express ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the XXXX agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from American Express and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with XXXX XXXX but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : - Medical XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$720.00} Bankruptcy Chapter XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA 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  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX 2023
Product: Credit card or prepaid card

Hi I applied for a credit card application through Macy and it was turn down due to not being verified through my cell phone which I dont have and I ask if I can send in my ID and my social by fax and mail and the supervisor said no and I have to reapply in 30 days and it was a waste of credit inquire and the rep was rude to me and didnt offer any alternative and this company is so cheap and I feel like I wasted my time and this is wrong and I dont have no fraud alert or any holds on my application at all my application number is # XXXX
Product: Debt collection

Cease and desist letter was sent out and received no response from the company Legally there is no contractual obligation. They have not engaged with me in any contract, nor services or goods exchanged. Its called extortion.