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

On XX/XX/ I paid PayPal for the balance of {$39.00} I had on my account. The payment was accepted and confirmed with an confirmation message. However, that payment did not go through and denied by PayPal. After checking it today, on XX/XX/XXXX, PayPal added an additional late fee. 

I have reasons to believe that PayPal is trying to deny the payment to take additional late fees. 

I had requested PayPal to respond to my inquiries and waive the most recent late fee applied after PayPal didnt give a reason for denying my payment on XX/XX/ XXXX
Product: Debt collection

said collection agency didn't send adequate verification e.i a signed contract with me and the original creditor required by The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$1300.00} XXXX update to never late XXXX XXXX  {$0.00} XXXX update to never late XXXX XXXX XXXX {$2400.00} XXXX update to never late XXXX XXXX XXXX {$210.00} XXXX remove acct XXXX XXXX {$790.00} XXXX remove acct XXXX  {$3700.00} XXXX remove acct Credit Collection {$0.00} XXXX remove acct XXXX XXXX XXXX XXXX remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account from XXXX XXXX, XXXX thats currently listed on my XXXX, Equifax and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and inquiries listed below are fraudulent and being reported illegally XXXX XXXX Bank {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX INQUIRIES XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Payday loan, title loan, or personal loan

I have been receiving constant emails from XXXX first saying I was approved for a loan and now saying I owe them money and in collections. I have never applied for a loan with them. I have emailed and called. When I call they ask for my SSN to " help '' me which I refuse to give. This is not showing up on my credit report so I don't think anyone took the loan out in my name, however, I need assistance in getting them to stop contacting me. 

I have attached examples of emails I have received. I have many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Product: Debt collection

Hello, I pulled my credit report for the first time in many years and found a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) is reporting a negative collection account to all three bureaus. I have never heard of this company nor have I ever entered into any agreements/contracts with them. The debt has been on my credit reports since XX/XX/2013 however this company never reached out to me to notify me of an alleged debt. The amount that they are  demanding is only {$50.00} however I have no recollection of this balance. I've read numerous negative comments about this company and their borderline illegal practices. Furthermore, the statute of limitations to collect on a medical debt in the state of SC is 3 years however they are still reporting this negative account that I do not own on my reports.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports, and I found the following inaccuracies : Account Holder Name : XXXX XXXX XXXX XX/XX/year> Last XXXX XXXX XXXX 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. Account name XXXX  XXXX, Account XXXX, XXXX {$630.00} XXXX. Account name XXXX Account XXXX, XXXX {$7500.00} XXXX. Account name XXXX XXXXXXXX XXXX XXXX, Account number XXXX Balance {$750.00} XXXX. Account name XXXX, XXXX, Account XXXX, XXXX {$24000.00} XXXX. Account name XXXX XXXX XXXX, Account number XXXX, Balance {$740.00} XXXX. Account name XXXX XXXX, Account XXXX, XXXX {$410.00} XXXX. Account name XXXX XXXX XXXX, Account XXXX, Balance {$19000.00} XXXX. Account name XXXX XXXXXXXX XXXX XXXX Account XXXX, Balance {$0.00} The above accounts have violated my rights under 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.

Under 15 U.S.C. 1681 section 602 A, it states that I have the right to privacy. These false accounts above, are in violation of this section.

Under 15 U.S.C. 1681 Section 604 A ( 2 ), it states that a consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C. 1681e ( B ) 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.

The accounts referred to above are in breach of several sections of U.S.C. 1681, as referenced above.

Please remove the accounts above from my credit reports, as they are grossly inaccurate and in violation of 15 U.S.C. 1681. If this accounts are not removed, I will be seeking damages relating to such.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlock
Product: Debt collection

While checking my credit report I noticed Amsher Collections has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was for XXXX and from my understanding that facility is in XXXX. I have never used that facility for service. This unverified information has caused a tremendous amout of stress and I plan to hire a credit protection lawyer to look into the matter.
Product: Debt collection

In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a XXXX 's XXXX company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to XXXX XXXX ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want XXXX XXXX to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.
Product: Debt collection

My account was garnished for XXXX dollars. This account is my bills payment account with XXXX bank. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX bank in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by Consuegra & Duffy Law for XXXX XXXX XXXX XXXX case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XXXX I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.
Product: Credit card

I contracted a company to help move my business move to the next level and receive funding from investors. We signed a contract to set a timeline and set payment to start the process. I paid the company {$6100.00} in total, i made the payment with my Amex. After the deadline came and the merchant wasn't showing no results or funding. I attempted to reach out but the merchant went silent. I have tried to dispute it with amex telling them I never received the services I paid for. They said they couldn't help cause the transaction posted more than 60 days ago. Since then I have filed many complaints with different agency that can help me, tXXXX XXXX XXXX XXXX  told me that XXXX XXXX XXXX XXXX is no longer an operating company. So i simply don't know what to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have tried to contact them and speak to them and nothing hasnt gotten done whatsoever XXXX XXXX I spoke to Experian to get this taken care of because this is not my account and they dont want to delete it whatsoever XXXX XXXX I spoke to Experian because this account is closed and also as this one has not gotten delete I send letters proof of everything and nothing hasnt gotten done
Product: Credit card or prepaid card

There's a common practice with credit card companies that affect people with money problems. 

1. they offer a balance transfer if you open a new card. 
2. they ask you how much you make per year. ( without any evidence, people can lie and inflate their income ) 3. the company accepts your application and balance transfer. The promotional period is generous- around 13 months in this case ( Bank of America platinum ). 

4. After the promotional period, the rate rises to 24 %. This is a loan shark rate that is impossible to pay back for most middle- low-middle class people. 

5. HERE 'S THE KICKER : After approving your application, mailing your card, emailing an announcement that your card has been mailed, they delay the balance transfer payment to the other card TWO WEEKS. Your balance remains at XXXX for two weeks. 

This practice ( mailing the card, delaying the balance transfer and keeping your full credit line open at {$0.00} ), is designed to lure people into using their card for purchases. 

This is TWO WEEKS where people who don't understand the rules make purchases at a 24 % rate. It's even possible that the balance transfer might exceed their credit line when it is posted/processed if they've used their card during this two weeks. After the balance transfer is complete, they can not begin to pay off the balance transfer until they pay the balance for the purchases made earlier. This increases the likelihood that their balance will lapse into the non-promotional rate. 

This is predatory, manipulative, and deceitful. THERE SHOULD BE A LAW PROHIBITING THIS TWO WEEK DELAY. It's obviously an intentional way to take advantage of financially unaware or desperate people and lure them into using their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a complaint and Per FCRA section 605b Credit Reporting Agencies are required to remove & block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I received letters covering various bank accounts at PNC bank informing me that after over 30 plus years as a loyal customer that they were closing all my accounts, checking, savings, money market, and credit card. Reason for the closures was not given but I assume it is the result of felony guilty pleas in Federal Court in XXXX. PNC in late XXXX sent out the letters closing my accounts creating much XXXX as I was then forced to open new accounts with another institution.Why did they wait 7 years AFTER the plea to address their concerns? Please help me understand why they are permitted to take this type action. Thank You
Product: Mortgage

Mr Cooper did not provide any communication in the month of XX/XX/year> whether in writing or over the phone to me as to the fact my XX/XX/year> loan payment had not been received. 

Their XXXX XXXX XXXXXX/XX/year> correspondence on a complaint case # XXXX is factually incorrect. 

I will be litigating the matter based on their correspondence I just received. 

See attached.
Product: Credit reporting

When I answered the questions about my personal info they said the info does n't match their records and I know I answered correctly, I went through this process three times and got the same response each time, so they have wrong info, I could not even get to a dispute form, someone is using my info because what I was disputing was XXXX hard inquiries that I did not make and a collections on a account I did not make. XXXX of the inquiries was just last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed ( XX/XX/2021 ) the accuracy and proof to support the findings of the following items listed on my Experian credit report XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I was not provided with any explanation or supporting documentation as I requested. I asked that the listed accounts be removed since I was not provided any explanation or supporting documentation on why/how it was validated. Only that the information listed was verified and remained listed on my credit report.
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. XXXX and XXXX are NOT reporting this account because it does not belong to me. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXXXXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.
Product: Credit card or prepaid card

My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors not able to pull my credit report from Equifax. There is no freeze nor lock on my account and Equifax wont investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain has caused XXXX XXXX! please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Simon 's Agency again and again requesting validation of an alleged debt which was being reported on 2 of my credit reports. For months and months, they have responded with incomplete information and have, to this day, been unable to validate the alleged debt. The only information they have given is that he alleged debt originated from " XXXX XXXX XXXX ''. The inaccurate account has since been removed from my XXXX credit report due to their inability to validate the account. However they are still falsely reporting this information on my XXXX report.
Product: Credit reporting or other personal consumer reports

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, correspondence was sent in regards to CFPB Complaint # XXXX to First Progress Cards Vice President XXXX XXXX to the address provided on the attached letter submitted on his behalf. The correspondence I sent gave an explanation for the past due amount that appears on my credit report. I requested an opportunity to pay the {$160.00} in full in exchange to have the account status updated to reflect PAID IN FULL AS AGREED. However, it has been 2 months since the correspondence was delivered via certified return receipt mail ( XXXX ) and no response has been received.
Product: Credit card or prepaid card

On XX/XX/2023, I paid {$1500.00} towards an approximately {$2900.00} balance on my Wells Fargo Card. I received my statement dated XXXX and it reflects that payment, however the bulk of the payment went to the 2 promotional 0 % balances as opposed to going towards the regular purchases coming in at 21.40 %. The 0 % does not expire until XXXX of 2023. The large payment was meant to pay down the 21.4 % interest. In all my dealings with credit cards, the payment has always gone towards the larger interest rate. I called the bank and spoke to a customer service rep on XX/XX/2023 and he didn't really explain it very well why this happened. I asked to speak to a supervisor and was transferred to a gal who explained that it was because I am still using that card for purchases. I said I use it because it has Rewards that I like to cash in for gift cards. She said that I should get ANOTHER rewards card with them for that if I don't want my payments to go towards my promotional balances 1st. This does not seem right to me. I don't feel I should have to have to Rewards cards with the same bank in order to have my payments applied properly.
Product: Debt collection

From  XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  last called  XXXX   XXXX    XXXX   says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance.      XXXX   XXXX   XXXX  company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to  XXXX   XXXX   XXXX  at  XXXX   XXXX  again. That 's  XXXX   XXXX   XXXX  at  XXXX . Thank you.  Trans world systems incorporated is a debt collection company. This is an attempt to collect a  debt and any information obtained will be used for that purpose when calling please refer to your ID code  XXXX   XXXX   XXXX   XXXX . Thank you.   PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account.    XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX