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

I am writing to inform you about a distressing incident involving a scam by an international online seller on PayPal. Despite being scammed, PayPal has not taken any action to investigate or deactivate the seller 's account. I had no opportunity to recover my money as the transaction was completed before any action could be taken. The seller 's PayPal accounts, XXXX and XXXX, are still active, posing a risk to others. 
I paid to Paypal account : XXXX first and then he requested more money from me through XXXX. 

The fraudulent transaction occurred with a seller who claimed to be a clothes and bags manufacturer based in XXXX. They offered complimentary goods for a marketing event, with the requirement of covering the shipping fee. I paid {$130.00} for the shipping fee, assuming it was reasonable given the origin in XXXX. However, after the payment, the seller requested additional funds. I refused, asked for a refund, and the seller blocked all communication. 

I contacted PayPal for assistance, but they were unable to help. Similarly, my bank couldn't assist as the payment was made directly from my checking account. I'm concerned that the seller will continue scamming others, while PayPal has taken no action to terminate their accounts or address the refund issue.
Product: Debt collection

I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated these rights ( acct # XXXX ) According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 USC 1681s-2 states that they are suppose to 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, credit repair services, or other personal consumer reports

The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with XXXX XXXX XX/XX/XXXX. 
Despite disputing with XXXX, TransUnion, XXXX, and XXXX, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my wife and I notified Capital One via two separate phone calls that we were victims of wire fraud and that we wired funds from each of our Capital One accounts to a fraudulent account at XXXX XXXX ( {$130000.00} from my wifes account and {$130000.00} from my account ). Starting on this day and going forward Capital One grossly mishandled the situation. The person I spoke with on XX/XX/XXXX did not know what to do and how to handle the wire fraud situation. I was on hold off and on for hours. The representative could not get a form to work in order to report the situation appropriately and stated that nothing could be done until Monday, three business days later. This delay undoubtedly had negative impacts on the ability to recover our funds. 

We called back the next day since the wire team was no longer available after trying to work with that representative for so long. It took many escalations to get to a representative who had any idea what to do. After that day, we continued to have to call and spend hours on hold and escalating to get information on the case and to try to ensure that the situation was being handled appropriately. We were forced to call back many times and each time got nowhere. Calls were placed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. We were told we would get a call back several times but it never happened. At no point was Capital One treating the situation with the immediacy and seriousness it called for. 

Eventually, a portion of our money was returned to my wifes Capital One account by XXXX XXXX ( {$120000.00} ). Capital One could not even provide any information when this occurred. They never followed up with XXXX XXXX. 

The case was closed only after I continued to call and insist someone follow up with XXXX XXXX to see if we would get the rest of our money back. Call after call I asked them to confirm that this was being treated seriously, believing that a so called investigation was ongoing and was told so. It became clear as time went on that the only thing that was done was a wire return request sent in early XXXX and resent in XXXX, over three months after the fact. 

The entire situation was so grossly mishandled by Capital One. Time is of the essence in wire fraud cases and Capital One failed to do their part to engage the proper teams and parties involved when they should have. Capital One was continually negligent in their responsibilities. Because of this, we lost {$140000.00} of our life savings.
Product: Debt collection

They showed up on my credit report. I have no knowledge of this company
Product: Credit reporting or other personal consumer reports

XXXX is reporting a creditor named Sunset Finance with an account number of xxx # # on my XXXX credit report. I have disputed this account several times with XXXX over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/year>, and now it is XXXX. However, XXXX has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to Sunset Finance, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from Sunset Finance on XX/XX/year>, for this account, which shows a XXXX balance. Despite mailing XXXX a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with XXXX XXXX times, and they have refused to change the incorrect balance reporting on my credit report to zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding obsolete accounts on my credit report. This is information that should have been deleted pursuant to the FCRA. Equifax has refused to delete this derogatory information, in contradistinction both XXXX and XXXX have remedied this information and have done so promptly. 

I have also informed Equifax of a fraudulent account on my credit report, and again, they have refused to take any action, investigate, or otherwise comply with their obligations under the law. 

Equifax is in violation of the FCRA, and instead of investigating this issue as they should they responded with a boilerplate response claiming they could not locate my credit file, despite me including copies of my FL Drivers License and US Passport. 

Equifax is simply refusing to take the appropriate action that they must pursuant o applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to all three credit bureaus asking them correct errors that appeared on my credit report. Both XXXX and XXXX XXXX responded promptly, by mailing me corrected credit reports. Unfortunately, I have not yet received anything in the mail from Equifax. I am starting to be concerned because it has been almost two months since I mailed the request, and they were supposed to respond within 30 days like XXXX XXXX and XXXX did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL DISPUTE ASKING EQUIFAX TO REMOVE THE VERBIAGE FROM CONSUMER STATEMENT ON MY CREDIT FILE. THEY HAVE REFUSED TO REMOVE IT. I DID NOT AUTHORIZE THIS STATEMENT THAT IS ON MY CREDIT FILE, NOR DID I MAKE SUCH STATMENT. ATTACHED TO THIS COMPLAINT IS THE STATEMENT THAT IS SHOWING ON MY CREDIT FILE.
Product: Mortgage

I have a mortgage with Mr Copper. During the start of the pandemic, I applied to get a hold on my mortgage. 3 months ago, I was placed a trial of payments, which I payed with no problem. I was expecting to resume my payment with, of course an increase. I insisted to pay. One rep told to " hold on my money and if I pay XXXX as it was written on the statement online it will be for XXXX XXXX ''. At my surprise today, I checked online, I found out it is a loan modification. I called and spoke to 3 reps whom won't cancel the loan modification because I signed already.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have been contacting Bridgecrest about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within 30 days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. Bridgecrest has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX.
Product: Student loan

I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX  monthly. Got a report it increase {$800.00}. No notification why.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Usbank gave me a three month grace period but now I see a foreclosure letter being sent out by USbank. Please advise.

Thank
Product: Credit reporting

Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 's with the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires XXXX XXXXXXXX XX/XX/1921 XXXX XXXX XXXX XX/XX/1921 XX/XX/1921 XXXX XXXX XX/XX/1921 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1921 21
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect item on my credit report. its has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. XXXX  police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report
Product: Checking or savings account

Truist closed my deposit accounts in XX/XX/2023. No specific reason was given, but that is not the issue. The issue is in the letter informing me of the closing of the accounts, it also stated that I will receive a check for the balance after 10 business days. I did not receive a check. The letter also states that if I do not receive the check, I should contact a branch. I contacted a branch in XXXX, NJ in XX/XX/2023 but I was told not to go in because I will not receive my money. I was also advised that I should wait for some kind of investigation to conclude. 
It has been 7 months now and I have had no correspondence from Truist regarding my money that they are holding.
Product: Credit reporting or other personal consumer reports

REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX  CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.
Product: Checking or savings account

I work for my XXXX XXXXXXXX XXXX XXXX XXXX, she gave me a paycheck i went to chase to deposit my check, and they charged the check and held the money and closed my account due to fraud, i had to go to the branch to open a new account but they still havent sent my money back because they said the check needs to be verified in which they called my mother already and she confirmed she gave it to me but they refuse to use that as verification and even the phone number registered under the business on XXXX. Its been a year now they still havent fixed this, they keep telling me different things also if I close my account they wont give me my money, the make of the check is from XXXX XXXX i contacted them and they said no bank can hold the check, its in chase policy. I just want my money back the check was charged on XX/XX/year>, i have pictures of the check being charged by them and money on hold. Apparently Chase can't verify checks by using the # on the check stub or by XXXX a company 's website. 
They HAVE to use " their system. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX BANK XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXXA XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXT XXXX Balance : {$3700.00}
Product: Debt collection

XXXX XXXX/ XXXX XXXX debt collector didn't verify collection. No contract. No signiture
Product: Debt collection

Respected XXXX, This is again a misrepresentation by American Express about the financial relief program they offered. I paid the XXXX  installment on XXXX XXXX as per agreement. On XXXX XXXX they have sent another statement asking for XXXX installment payments. 

Previous case closed by them XXXX. This is an aggressive attempt by them to ask for more than what I agreed to pay XXXX XXXX as part of financial relief. 

I am attaching a statement I received from them. I request clarification from them about why they are asking for payment which is XXXX times of {$320.00} I agreed to pay XXXX XXXX and started the first payment on XXXX XXXX. 

This is a part of the case XXXX and XXXX in addition to family cases XXXX, XXXX. The people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other defendants in cases pending including various companies involved related to XXXX  and my family members may be associated with American Express in XXXX way or another. I request arbitration and proper guidance from American Express about what is due. I can afford only {$320.00} per XXXX. I will be able to make only that amount XXXX XXXX until I find another job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a XXXX  XXXX XXXX credit card that has been shown open since XX/XX/XXXX under my credit report. 

I've had XXXX other XXXX  credit cardXXXX one that was personal and opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. The other card I was an authorized user but was closed in XX/XX/XXXX. 

I've contacted BoA about a possible card that's open under my name, but they could not find said card under my SSN. I've disputed said account with Experian, but they haven't been able to help. 

XXXX said they would be able to help me if I knew what the account number was, but Experian wouldn't tell me. The account has been open since XX/XX/XXXX, and appeared to be in use, the balance is paid off each month. 

The account is only reported by Experian as far as I know and not the other XXXX credit Bureau