23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I bought something using PayPal pay in 4, but the product was significantly not as described. I filed a PayPal claim and they sided with the seller. 

I then filed a dispute with my bank and my bank sided with me and I was able to get my money back. 

Now Im being harassed by PayPal almost everyday in an attempt to retrieve the money that was reclaimed by my bank.

PayPal is claiming my payments never went though, which is a lie ( I will attach a confirmation email that shows all of my payments went through ) I called PayPal customer service and they told me that I needed to pay back the money I got back from my bank dispute which is ridiculous. You cant force a customer to pay back money they got back from a chargeback. I also have an audio recording of the customer service agent saying this to me which I obtained with their permission. 

I would like PayPal to stop emailing and stop trying to collect this debt. 


Merchant : Reference ID : XXXX
Product: Credit reporting

I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.
Product: Checking or savings account

On  XXXX  I was  XXXX  for  XXXX   XXXX   XXXX    XXXX   on  XXXX  I realize that my account has been used without my consent I reported it directly I had over a hundred charges that I could not have done and did not authorize I was informed as of  XXXX   XXXX  that my claim was denied without any reasons I then asked why I was n't covered under  zero  liability I was then never given the reason
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an XXXX alert that there was a hard hit on my credit report from JPMCB that I did not authorize. I have not made ANY credit inquiries recently. I called XXXX and they put a fraud alert on my account. I called JPMCB at XXXX XXXX XXXX, and once I explained that I had not started a credit card application they transferred me to Chase XXXX where they put a security freeze on my XXXX account.
Product: Bank account or service

I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX -- 30 DAY LATE FOR XX/XX/2018. THIS COMPANY FAILED TO VALIDATE THE DEBT. UNVERIFABLE ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disgusting misuse of personal information including XXXX, driver 's license, addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates 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 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to XXXX all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least the past 5 years Equifax has refused to provide my free annual credit report when requested via the XXXX   XXXX XXXX ( https : //www.annualcreditreport.com ) website. Every year I have to jump through a bunch of extra hoops to get it by mail ( instead of electronically like I get the other two credit reports ) and then half the time their call center wants to charge me for it. 

I was advised by their XXXX page to call their Global Consumer Care Team at XXXX, but the auto attendant refused to connect me to a live person. 

As far as I can tell Equifax is trying to use this to scam money out of consumers.
Product: Debt collection

I was alerted by my credit bureau XXXX that my credit score dropped 40 points. Found an account that was not mine and disputed it. Contacted the company AcimaCredit and because my phone number didn't list up to any account, they would not give me any information regarding the account that they placed on my credit report. I was not able to cancel the credit line, get the phone number or address of where the items were delivered to since this is an online store. 

I have filed a police report in XXXX County where I live on XX/XX/2021 and was given police report number XXXX. 

account name : ACIMA CREDIT XXXX  XXXX  also known as : ACIMA CREDIT XXXX XXXX account # XXXX account type : Lease Responsibility : Individual Date opened : XX/XX/2021 Status : Open {$510.00} past due as of XXXX 2021 Balance : {$2400.00} Original balance : {$2200.00}
Product: Money transfer, virtual currency, or money service

I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...
Product: Credit reporting

This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.
Product: Credit card

I paid the company XXXX on the bill, and was told the account was closed, but it continue to add late fee and monthly maintanance fees every month. Even though I'm not using the card, in fact I was cut the card up, cause they told me it closed, but I still receiving a bill every month, it up to like XXXX now.
Product: Debt collection

According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX   & XXXX XXXX ) 3. ( XXXXXXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX &  XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate  this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

XXXX XXXX is damaging my credit by saying i owe XXXX dollars which is not true i try to dispute it but they are not allowing me to do so i spoke to someone at the XXXX XXXX XX/XX/2020 who was very argumentative and pretended she was XX/XX/XXXX, assuming i was on the phone with XX/XX/XXXXthey never said they wasnt XX/XX/XXXX they gave me the worse attitude and i believe this company is fraud i cant afford another bill during this pandemic and this company made my credit go from XXXX To XXXX this is a big problem can someone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Reporting Bureau complaint : A Debt collection Company, Quick Collection, reported a false collection to all 3 Credit Bureaus. I, through Certified Letter correspondence, challenged the reporting and demanded " Validation, '' Proof, of an actual debt. Original letters all dated ( XXXX ). None of the 3 Bureaus were able to do so. Nor was XXXX XXXX able to, ( XXXX letters sent XXXX and XXXX ). XXXX ( XXXX ) and XXXX ( XXXX ) both immediately removed the False report from their Bureau sites. All letters sent Certified mail. Transunion to date has never responded, reported " In Dispute '' on my bureau report or at any time Validated any truth to a collection being owed by me to XXXX XXXX. Certified letters of demand were sent XXXX, XXXX, XXXX to Transunion ( XXXX XXXX XXXX XXXX  XXXX XXXX ) with no return correspondence or validation of any contract, signatures, times, dates. Nothing to validate any debt. It is still being reported on my Transunion bureau report. Most recently between XXXX and XXXX, Transunion removed the collection and my score increased accordingly, about XXXX points. XXXX Transunion re-reported the false debt causing my score to plummet XXXX points on the Transunion Bureau site in one day. ( Have in hand XXXX, 3-Bureau XXXX page, XXXX page and XXXX page ), Credit reports proving this, dated XXXX, XXXX, XXXX ) Still no proof or validation of any debt being owed. I am also seeking damages though the courts. This has to stop and Transunion delt with accordingly for willingly reporting false, un-VALIDATED, no PROOF, Character damaging information.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I found that there are accounts reported on my credit report inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE PANDEMIC, A PERIOD THAT I HAD NO CONTROL OVER. I CONTACTED THEM AND PAID A SETTLEMENT AMOUNT FOR THE ACCOUNT. NOW THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE CHARGE OFF BEING REPORTED EVERY MONTH AFTER THE ACCOUNT WAS ACTUALLY CHARGED OFF. THIS IS RE-AGING THE ACCOUNT AND CREATING A SITUATION WHERE IT STAYS ON MY REPORT. THE INFORMATION ON THE REPORT SHOWS 37 NEGATIVE MONTHS. THIS IS INCORRECT. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE PANDEMIC, A PERIOD THAT I HAD NO CONTROL OVER. I AGREED TO PAY THEM OFF, HOWEVER, THE ACCOUNT DISPLAYS THE FOLLOWING STATEMENT : Account paid in full for less than full balance THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND THEREFORE I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE BALANCE PAID AND THE HIGHEST BALANCE AS THE SAME AMOUNT, HOWEVER, THE STATEMENT IN THE COMMENTS STATES " ACCOUNT PAID IN FULL FOR LESS THAN FULL BALANCE ''. AGAIN, THE PAYMENT THAT WAS MADE WAS THE HIGHEST CREDIT LIMIT BALANCE. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows on my XXXX credit report as a charge off with a balance. The account has been fraudulently been reported. It reflects a chargeoff reported every month since XXXX. Most negative information remains on credit reports for seven years from the date of the first missed payment. After this period passes, the information should automatically disappear. If the creditor is re-aging the account by reporting it every month the account will stay on the report forever. THE INFORMATION ON THE REPORT SHOWS 27 NEGATIVE MONTHS. This is a violation of the Fair Credit Reporting Act. In addition, this account reflects that it was transferred to another lender. If it has been transferred the account should not show a balance. it is being reported fraudulently. The account needs to be removed from the report. XXXX XXXX XXXX is no longer in business ( see attached ). The only resolution for these actions is to remove the account from the credit report.
Product: Mortgage

I refinanced XXXX of XXXX. The final closing documents stipulates flood policies be placed in escrow. I own 2 houses on an average in a special hazard flood zone. Homeowners and landlord policy as well as property taxes were stipulated as non escrowed. HOMEPOINT took it upon itself to pay my property taxes. I called and referenced final closing docs. XXXX XXXX returned money to bank. This was a 2 month process. I made clear to HOMEPOINT only flood insurance was escrowed and once again, referenced closing docs. HOMEPOINT then proceeded to pay my homeowners policy and now my account is in suspence. This has gone on for 6 months. HOMEPOINT is reporting to my credit agencies. My score went from XXXX to XXXX. I continue to pay my insurances by auto pay via my bank. HOMEPOINT is demanding I repay the money they paid in error. I am paying every month principle, interest and flood payments. I refuse to pay more as I continue to pay my homeowners and landlord payments on auto pay. I really think HOMEPOINT understands the grievous error it has committed. Please help. I am at my wits end. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.
Product: Student loan

I am applying for Public Service Loan Forgiveness. I have been a social worker since 2009 and have been uploading documents to My Fed Loan for years. When I go to my upload history to review my past interactions with them, my past uploads have been deleted from my account. I did not delete them. They are assessing my qualifying payments at XXXX. This is incorrect and I need them to review it again and fix it. If they assess me at XXXX that would mean they are counting under 3 years of my work experience which like I said, I have been working for much longer than that with qualifying employers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have never done business with portfolio recovery I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did profile recovery. I want XXXX removed portfolio recovery removed as well as the hard inquiry associated with the companied and my score accordingly
Product: Debt collection

Southwest sent my a letter attempting to collect debt for an alleg account with XXXX I responded in a timely manner I let them know this account. Didnt belong to me as a matter of fact or just got deleted from my credit report I received no notice that it would be reinserted but southwest decided to insert this account on my credit report a pure violation after it has already been removed. Once again ITS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian credit bureau boosted my credit score up to XXXX points according completion of disputes on my credit report. On XX/XX/2022, Experian decreased my credit score down to XXXX points for no reason which made my credit score go from good to poor credit.
Product: Debt collection

I received notification from a company called jefferson capital systems LLC requesting payment of {$230.00}. the debt is not mines and dated/charged off period of XXXX reporting the negative mark was well within their right, even if it damages my credit standing. As granted by the fair debt collection practices act, I've also fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for their tradeline to remain on my file accept to maltreat, harass etc.
Product: Credit card or prepaid card

My mail was potentially redirected to another residence. I never received my benefits from the IRS, XXXXXXXX XXXX XXXX CREDIT UNION ACCOUNTS, CAR IN MY NAME, XXXX, UNEMPLOYMENT BENEFITS, XXXX. I took the necessary procedure and made reports to the XXXX, IRS, FTC, FBI, XXXX FTC # XXXX IRS # XXXX XXXX # XXXX
Product: Debt collection

I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$41000.00}
Product: Debt collection

I paid off a collection agency that was on my credit report. It is Vance and Huffman , LLC for {$740.00}. It still does not show on my credit report that it is paid in full. I have asked the company to please report it to the credit agencies. I was told they would. I wanted it to show paid on my credit report to make my self look better and more responsible. Since I paid this debit I want something to show for it. Thank you. XXXX XXXX