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

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX. 

Thanks
Product: Credit card

Hello, On XXXX XXXX, 2016, I applied and was approved for an American Express XXXX Card, which included a XXXX point bonus after spending {$10000.00}. On XXXX XXXX, 2016, I completed the spending requirement and was awarded the XXXX bonus. On several different dates over the next several months, I attempted to transfer points out of my account to various airlines. However, each time I was given an error message and told to call American Express. Each time I was told my account was " under review '' as I had recently completed a bonus award and those points " had to sit in my account '' for a certain period of time but I was never given a definite date the points would be available. Most recently, on XXXX XXXX, 2016, I once again attempted to transfer points out of my account and was given the same error message and the same explanation when I called American Express. However, this time they promised my points would be available for transfer on XXXX XXXX. Today, XXXX XXXX, I once again attempted to transfer points and once again when I spoke to American Express they said they would have someone look into it and call me back. This is unacceptable and a practice I 've heard they are doing to many others as well. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT ( Inquiry : XXXX XXXX, 2020 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Debt collection

Good evening, I selected the topic of " indicating I was committing a crime, '' due to the 1099-B for a charge off of $ XXXX received by the IRS. Tax issues can be a crim This was from Robinhood over stock debt. The 1099-B was never sent to me, nor did I know about a charge-off. I have received a letter from Robinhood ( the alleged creditor, ) and XXXX XXXX ( a bank used at the time reported. ) XXXX XXXX is not part of this complaint and is not added as a respondent. Robinhood notified me in XX/XX/2021 that my information was compromised in a data breach. I also have received notification that XXXX XXXX experienced a data breach at the same time as Robinhood. 

I contacted Robinhood via email after being directed via their XXXX customer service. I told them who I was, my name, address, and phone number. They wrote me back wanting my SSN, DOB, and a few other items. I did not want to send that information as they have IT vulnerabilities. I did not want to call them because I didn't want to. So I asked them if they could match up the information they have from me with an account. They stated that they could not. I asked them to contact the IRS to remove the 1099-B by using the information they have from me to find the 1099-B that was submitted. They still refused and wanted me to provide information to assist them in correcting their mistake after allowing my data to be exposed. That is with all due respect to the entire company itself.
Product: Debt collection

I received an email from XXXX XXXX that my credit report has changed, so I logged on and saw that LVNV Funding is reporting a debt thats not mine. I have never had XXXX XXXX XXXX and they can not provide any written consent or proof that this account is mine.
Product: Debt collection

I paid this debt through XXXX XXXX XXXX XXXX XXXX in 2020. I have receipts proving I did. Because I paid this over XXXX years ago, the charge was less because it had accrued interest. Now the charge has been jacked up and I refuse to not only pay this charge again, but I refuse to overpay. I have been in contact with the former CEO/founder of XXXX. The company no longer exists and has closed, so I am unsure who is even following up on this debt ( that again, was paid ). The CEO didn't know either. 

I have tried to send Ability proof of payment, but every time I do, the emails bounce back as I am only provided with bogus email addresses. XXXX time I spoke with them on the phone and they yelled at me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has deleted all my active accounts on my credit report. and my score was in the XXXX or above. When I recently checked my report they have no score now because they say I don't have any accounts. I am request XXXX XXXX correct my report immediately and restore with the correct account information. This is causing undue XXXX and XXXX. XXXX XXXX score should reflect that of XXXX score.
Product: Student loan

On XX/XX/23 I applied for auto payment to receive the 0.25 % interest rate reduction. 
I have 13 individual loans with Aidvantage. Only 1 of the loans had the auto payment request processed. 

I have reached out on multiple occasions ( on XX/XX/XXXX, XX/XX/XXXX ) via the inbox method and by phone call on XX/XX/XXXX to check on the status of my auto payment application and it has not been resolved. 
Loan interest is now accruing without the auto payment rate reduction almost for an entire month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  more... 
XX/XX/XXXX XXXX XXXX serv Addresses ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Address 2 more... 
XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX/overstock those are the dates which ive been trying to get removed because these account besides ally is mine. Ally I sent proof payments was made on time to the company and they still reported it late
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are incorrectly showing that I have a late payment for XXXX XXXX XXXX  Account # XXXXXXXX on XX/XX/. While XXXX is correctly showing that I have never had a late payment for the same account- XXXX XXXX XXXX  # XXXX. 
Secondly, Transunion and XXXX are reporting that I was 30 days late on this account on XX/XX/, this is an obvious error as my payment dates are due on the XXXX of every month, thus I could not be late prior to the due date. Notwithstanding, the second contention, my primary contention is that I can not be late and current for the same account on the same date. It is my contention that this inaccurate reporting between the credit reporting agencies violates the maximum accuracy reporting standard set forth in the Fair Credit Reporting Act. I have written several letters of dispute, and requesting verification on the disputed account, some letter written more than 45 days, ands of this day, I have received no response, or an update to my credit report that this account was even in dispute. It is my request that the XXXX XXXX XXXX  Account # XXXX  be updated to current status showing that this account was never late as is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my dispute with XXXX XXXX " XXXX XXXXXXXX XXXX '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- Equifax still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXL XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FILED FTC REPORT : XXXX FREEZE CREDIT REPORT : XXXX XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Collection/Charge Off : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

XX/XX/year> I got an alert of credit inquiry made and approved for XXXX and then thereafter another one for Comenity Capital Bank. Credit was secured under my maiden name, that has not been my official name in MANY years. I am not aware of any theft, so I suspect this is due to a data breach where perhaps my social has been compromised. I was mailed credit cards for both XXXX XXXX XXXX XXXX XXXX & Comenity Capital Bank - Ulta mastercard. I filed disputes on both with XXXX, XXXX and XXXX. I also put a freeze on my credit with these bureaus. I also directly contacted/alerted XXXX & Comenity and they have these accounts under investigation now. Another attempt was made to obtain credit for Big Lots but was not successful due to the credit freeze I put in place. 

I learned both fraudulently opened accounts have balances as follows : XXXX : XXXX Comenity : XXXX I have not applied for any credit cards and do not have the need to nor any future plans to apply for any new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ) .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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA )
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was in a bad place financially, So I reached out to Capital Auto Finance to set up a payment plan/arrangement so I wouldn't fall behind on my payments and have late payments reported to the credit bureaus. Capital One Auto Finance agreed and accepted this arrangement. For whatever reason, they reported late payments for all of 2019 to the credit bureaus which have damaged my financial well being.
Product: Credit reporting or other personal consumer reports

The original company sold my Information to a third-party without my knowledge XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote Experian to inform them of inaccurate information on my credit on my consumer credit file. This is my second time disputing these egregious items on my credit file. Under the FCRA I am a federally protected consumer assuming this company can not give me unquestionable evidence of these accounts they must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/scrub>XXXX XXXX  a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from XXXX on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.
Product: Credit card or prepaid card

American Express serve prepaid card Claims to o have close my account with a remaining balance they say I have committed a crime of loan fraud and have no other options I sent a XXXX dollar payment to my mother in 2020 XXXX XXXX and had issues with the card thereafter they will not release the remaining balance which was added in the form of cash and has nothing to do with the loan the XXXX worker who loaded the card eluded to this being my last deposit your assistance required This is definitely community intervention as it give the card holder the ability to do things immediately which is not helping which the community is adamant that's why I'm here it is not helping to the surrounding merchants when you order what you immediately need on line
Product: Credit reporting, credit repair services, or other personal consumer reports

Pull Report and notice that there is Bankruptcy listed on my credit report. The United States Bankruptcy court notified me that they do not provide credit reporting to agencies. In turn, I notified XXXX, Equifax, and XXXX  of this finding, with no change to their credit reports.
Product: Credit card or prepaid card

I have a Cabela 's credit card from Capital One.

I pay all my bills on the first of the month.

In XX/XX/XXXX I paid on the principle on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was charged {$27.00} late fee.

I was told that my payment on the XX/XX/XXXX was credited to XX/XX/XXXX.

How can I pay the XX/XX/XXXX payment in XX/XX/XXXX?

If you pay in the month your payment is due it should be credited to that month.

.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on 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 consent.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/XXXX, I have received pre-paid debit cards that I have not applied nor have used for and application cancellation notices from financial institutions that I have established relationships and accounts with notifying me of accounts that were attempted to be established by someone who has fraudulently taken over my identity. Through these institution policies and technical advances, these accounts were stopped, and applications were canceled. However, the results of these attempts left inquiries on my credit report that were the result of fraud. 

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
Product: Credit card

I received an email from Chime Sunday XX/XX/year> stating there was a new log in on my account, followed by an email the same day stating that credit cards were being sent to me. I have never heard of this company or what they do- and I continue to receive emails about cards being sent. However, it seems as though if I click on a link they will use that as consent to open an account which I never asked for. 
Online forums say this has happened to them as well, and calling the company results in personal information being given them in order to close an account that was never authorized to be created. They are using predatory behavior to open accounts without consent.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting Agency changed my legal name without verification or requesting my government/state issued identification credentials. My data has been breached twice this year and the companies that compromised my identity offered the 1yr. credit monitoring service, XXXX XXXX, sponsored by Experian Credit Reporting Agency. My personal data was listed on the Dark Web. I had to change all of my accounts, passwords and cellphones. 

Instead of keeping my data safe, my data is being haphazardly mis-managed and violating my consumer rights.