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

On XX/XX/2021 I initiated a transaction with another user in PayPal. The transaction amount was {$2500.00}. I had the user refund the money through the PayPal interface. The balance of the transaction that was from my PayPal account was refunded but the remaining {$2400.00} was not refunded back to my account. Since the initial transaction I have worked with PayPal and my bank to get the refunded money ( {$2400.00} ) back into my checking account. PayPal keeps saying the card issuer has to find the money but the bank has traced all the IDs provided by PayPal and concluded that PayPal issued and then recalled the refund. PayPal keeps saying it is a hold on the money and the bank has to release the hold. The bank, XXXX XXXX, has provided PayPal with confirmation that the money is not on hold nor was it refunded to my account on several occasions now. The bank even provided a contact in the executive office for PayPal to confer with in regards to this issue. It has been over 4 months now since the transaction and PayPal has not made any headway on this much less resolved the whole issue. A previous CFPB complaint ( XXXX-XXXX ) was submitted for XXXX XXXX  to confirm that all actions that could be taken were taken on their part. The bank has confirmed there are no further actions they can take and that PayPal is responsible and liable for this transaction.
Product: Credit reporting

XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX is reporting three incorrect late payments in the month of XXXX XXXX XXXX XXXX XX/XX/XXXX. I have written several letteter to the company to resolve this issue and have been completely ignored. 


Here is a copy of my latest letter that was sent to them.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint Against Cash app ( block Inc. ) Due to in adequate Customer service And unfair practices Which violate the consume Financial protection act. Specifically, cash app failed To take timely and effective Measures to Prevent and address fraud On their platform Leaving my account, vulnerable and unprotected Furthermore, their dispute and resolution process Was unfair and deceptive as they did not comply With error Resolution requirements Under the electronic Fund transfer act And regulation E These actions have caused significant Inconvenience and financial loss And I seek Appropriate redress for these violations
Product: Credit card or prepaid card

Due to my vacation being cancelled, I received a refund for flights and vacation package. The refund went back to my Citi Double Cash card. On XX/XX/2020, I contacted Citi via chat ( see attached documents ) to request that the money be transferred back into my bank account. The representative said it would take three to five business days to receive my money. 

On XX/XX/2020, after I did not receive the funds and still showing a very large credit balance on my Citi card, I contacted Citi customer service again via online chat. At that time, I was informed that they had to submit the request again because there were a couple of disputes on my account that were pending until XX/XX/XXXX, so the amount of my credit was changed to reflect the two disputes. I was, again, advised my money would reach my bank account in three to five business days. 

After two more attempts to get my money back ( XX/XX/XXXX and XX/XX/XXXX ) via the online chat, I contacted Citi by telephone and spoke to a manager on Wednesday, XX/XX/2020. The manager apologized for the inconvenience and reassured me that I would receive my money. He said that because of the large amount and the fact that Citi was not used to refunding such a large amount of money, they had to do a full investigation and it would only take another two to three business days to receive my money. I asked the manager if I would receive my money by Monday, XX/XX/2020. The manager replied, " You should receive it by Friday, XX/XX/2020. '' As of this date, XX/XX/2020, Citi continues to hold on to my money. The funds are still sitting as a large credit balance on my account.
Product: Credit card or prepaid card

Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.
Product: Mortgage

Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.
Product: Bank account or service

I went in to Arvest Bank on XXXX XXXX in XXXX,, on XXXX/XXXX/17 to open a savings account. Although I have been a customer and have a checking account for several years, I was turned away. The account representative and the branch manager said they could not tell me why other than that they use XXXX and that I am on a no new account list. I called the main office ( XXXX # ) and was not given any more information. I was told that they do n't know why this happens and to call the social security administration. I requested a report from XXXX on XXXX/XXXX/17 and I was furnished with a report dated XXXX/XXXX/17 noting " No Information Found ''. My complaint to Arvest is they should have handled this differently and been able to provide me with information why they were denying me opening a new account.
Product: Credit reporting or other personal consumer reports

These accounts were not opened by me, and I suspect them to be fraudulent. I urge you to conduct an investigation and eliminate them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting or other personal consumer reports

I have disputed Net Credit regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX was paid but the account is still reporting as late and in collection disputed this multiply time but hasnt gotten any verified information as to why this is so.
Product: Debt collection

Husband lost job, not able to get caught up on payments. Tried to set up promise dates around my pay schedule ( 15th & 30th/mo ), however, the finance company repeatedly calls me from their personal cell phone number and other blocked numbers in attempt to collect my debt. In addition to that, they have threatened me and flat out used offensive and obscene language with me over the phone when I say I'm going to pay my debt on a certain date. 

This is in regards to XXXX XXXX XXXX in XXXX, GA XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights, XXXX XXXX XXXX  # XXXXXXXX XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint about the 3 Credit Bureaus XXXX, Transunion and XXXX are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.
Product: Debt collection

My student loan is in default. The department of Education transferred my loan to a company named : NCS Collect. I was advised via mail to contact the company or risk wage garnishment. This company has been a nightmare to work with. I've been trying to obtain a reasonable payment plan to get my loan out of default since XX/XX/XXXX. I called and stayed on the phone for more than an hour providing financial information to calculate my repayment amount. After uploading sensitive documents including pay stubs and tax info, I was told that the info would have to be reviewed. I was supposed to receive a call back. That call never came. I tried to call them back the next day, and I couldn't get anyone to speak to me. I was either transferred to a voice mail by someone, or the call went directly to voicemail without me speaking to anyone. I called the Department of Education, and after demanding to speak to a supervisor, I filed a complaint. NCS called me during work hours which obviously isn't going to work, since I'm trying to make money to pay the money that's being demanded of me. I'd call back, and get someone different. I'd then have to go through the ENTIRE process of sending in documents and going through my bills to get a payment amount that was too high for me to pay. I went through this circle 3 times. Each call would take about an hour. I'd be directed to call back, and either my documents weren't received or they were under review. Finally I got to a point where I provided my debit card and scheduled a payment with someone only to be told to call back. When I called back, I had to send the same sensitive information, this time proof of medical receipts only to find out later that they hadn't even calculated my payments based on the documentation I sent in. I've emailed all of this sensitive info to 2 different email addresses and uploaded them to their portal MULTIPLE times. After calling again, and providing my card info again, and resubmitting a document to reflect an even higher amount than I agreed to which I accepted out of frustration, I was told ONCE AGAIN to call back Monday ( XX/XX/XXXX ). I called yesterday, and got voice mail. I wanted to stay on top of things. I can't take this anymore. I believe that I'm being given the run around, so that my wages can be garnished. I think this is intentional between this company and the Department of Education, and it is WRONG. If you review the XXXX XXXX reviews for this company, you'll see the same complaint over and over. Be threatened with wage garnishment only to not be able to work out a payment plan to be executed successfully. It's exasperating. No one wants the embarrassment of wage garnishment, but at this point, it seems as if it would be easier.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Debt collection

My most recent credit report includes accounts I did not open. I request these unauthorized accounts be blocked and taken off my report immediately.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FIN. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account GLOBAL LENDING SERVICES, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Lowes hardware store offers a great promotion whereby consumers can get five percent off of most purchases made at Lowes when using their store credit card. I recently applied for a credit card with them through Synchrony Bank. 

I checked my credit score in XXXX XXXX  and it was XXXX. I understand this score is higher than that of XXXX XXXX  of consumers. I have a net worth of more than XXXX XXXX  of U.S. citizens with a total debt to income ratio of about XXXX XXXX. To protect my credit, I have credit freezes in place with all three major credit reporting companies. 

The first time I applied with Lowes/Synchrony , I was told that my application was denied because I have a credit freeze in place. A few weeks later, I lifted the freeze and applied again. This time, I was told that I was denied for the following reasons : Too much available credit on revolving accounts ; Average balance of accounts is too high ; Length of time accounts has been established is too long ; Too few non-mortgage accounts. 

I have a total of three credit cards, so find it hard to believe that I have too much available credit on revolving accounts or the average balance of accounts is too high based on my income and that my typical credit card balance is XXXX. I have no idea why the length of time accounts has been established is too long would be evaluated as a negative. Finally, why would too few non-mortgage accounts be a problem? I think having three credit cards would be sufficient. 

Id like for Synchrony to explain plainly and clearly why I was denied for the Lowes store credit card given my excellent credit, income, debt-to-income ratio, and assets.
Product: Mortgage

PNC Bank of Ohio bought my mortgage in XX/XX/XXXX from another bank and has agreed to the terms of my mortgage loan contract & has accepted my {$530.00} payment every month for over 5 years. And PNC Bank has not contacted me to change anything with the loan agreement of my original loan of XX/XX/XXXX. I also do have not had escrow on my loan & put a downpayment of {$20000.00} of my condo. I bought the property for {$95000.00} & took out a 15 year loan with a fixed rate of 3.25 % and I have paid my local city property taxes myself for over 8 years and none of the 6 banks who had my loan gave me questions on the loan. 

In XX/XX/XXXX PNC Bank sent me a letter saying they were considering adding escrow to the account. I contacted them by letter & phone with NO Reply & told them I dont agree. I read the terms of my loan contract and it says, PNC Bank cant change the loan agreement without my authorization via my signature. In XX/XX/XXXX ; PNC Bank forced escrow on my mortgage loan and increased my monthly payment. After made many phone calls & sent letters to them, they replied their bank could do that + sent me a copy of my original XXXX XX/XX/XXXX mortgage paperwork which I had and I informed them the loan contract states differently. They have been sending me form letters never answering my questions. I still pay the original monthly payment and I cant afford their new monthly amount of over {$300.00} more. I am still disputing this with PNC Bank 1 year later and they still accept my money & cash my check monthly.