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

Trying to pay my PayPal account from my phone and I have spent 30 minutes finding my credit balance without success. Tried every path multiple times. First they switch to paperless. Then they solicit me to enroll in debit. Then they force me to download app which did not work. I am trying to pay them. Took screen shots and cant find PayPal Credit and after that should find Make a Payment. Not to someone else but to the merchant.
Product: Debt collection

I am writing to formally dispute a late payment reported on my credit file by Affirm. My payments were set up on autopay, and I consistently paid on time. Due to concerns over fraud and telemarketing calls, I did not respond to phone calls from Affirm, as my account was being drafted monthly without issue. 

Recently, I received an alert that my credit score dropped by XXXX points due to a reported late payment. Upon contacting Affirm, I was informed that XXXX accounts existed under my name. I immediately paid any outstanding balance in full, and Affirm acknowledged their error and apologized. They advised me to dispute this matter with XXXX to correct my credit report. 

I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. I have attached any supporting documentation, including proof of payment and communication with Affirm. 

Please confirm receipt of this dispute and let me know if additional information is required. I appreciate your prompt attention to resolving this issue. 

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

Re : Experian : My online attempt to place a freeze on my credit report would not process as it should through their website. My complaint about Experian is that it is virtually impossible to reach a live person there on the telephone. One is forced to enter all of their personal information via the telephone, only to be directed back to the web site or other irrelevant location. And/or, one is told to contact them by mail. It should not be legal for a company of this type to cause problems for consumers, then hide behind The Voice Mail System From XXXX. One should be able contact this company by telephone.
Product: Credit reporting or other personal consumer reports

Ive identified multiple billing errors on my credit report. These late payments dont correspond to my actual payment history. Please correct these mistakes and update my account records.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
I RECENTLY REVIEW MY CREDIT REPORT : Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX & XXXX concerning several fraud accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on Child Support & you all are reporting a balance of {$8500.00}. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a 3 moth deferred payment on my account, I have disputed the account and submitted documents of the deferred payment agreement, I had to sign the document twice because the never received the first one and was promised it wouldnt affect my credit
Product: Credit card

I contacted the company in XXXX of 2024 to ask why I was receiving my billing statement only XXXX days prior to in being due, I tried to explain that there would be no way that I would be able to mail my payment to you and receive it on time. They did not respond. I then contacted and filled a complaint against the company with the XXXX in XXXX of 2024. They failed to respond. 
Since my payment has been last for the past XXXX  months since I only receive my paper statement about XXXX  days before the payment is due. This isn't right.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 XXXX XXXX XXXX EQUIFAX MTG XXXX
Product: Credit card

TD Finance works with XXXX to provide financing for XXXX purchases. XXXX XXXX has failed to inform the consumer of an internal policy that states any payment made over {$500.00} will have an extended hold of 15 days. After a review of the disclosures provided and attached, it does not display this information. A payment I made for {$1200.00} was on hold after the funds were withdrawn from my checking account. TD received the funds but did not update the available credit.
Product: Vehicle loan or lease

In XX/XX/XXXX, just before XXXX, I was in the market for a new car. I headed to the local dealership to check out a XXXX XXXX XXXX XXXX. I had my eye on trading in my XXXX XXXX XXXX, which had decent mileage and had never been in an accident. But guess what? They wouldnt take my XXXX! I cant remember the exact reason, but they convinced me to go through repossession instead. The salesman assured me it wouldnt hurt my credit too much, but they left out the part where it stays on your credit for years. So, I went ahead and repossessed my XXXX because I was told it wouldnt affect me. When I applied for financing for the XXXX XXXX, they did everything they could to get the bank to approve my loan. Im pretty sure they lied on some of the details. When they told me the monthly payments, I was a bit taken aback. They were {$850.00}, and my checks werent cutting it at the time. But somehow, they convinced me to buy the car anyway. Now, Im struggling to make ends meet with this vehicle. I cant refinance it because, for some reason, more than half of the payments Ive sent in have gone towards interest, not the principal. Ive had this car since XX/XX/XXXX, and the loan amount started at around {$38000.00}. Its now XX/XX/XXXX, and its still {$37000.00}. The payoff amount hasnt budged much at all. Ive tried reaching out to the finance company about this, but theyre not very helpful or caring. Im stuck in this vehicle, and Ive tried everything I can to get out of the loan and into a new one. Or even a new car, but XXXX cant do anything. Ive tried refinancing through another company, but they denied me because of the repossession the dealership told me to do, and because the payoff amount is too high and the car isnt worth it. This whole situation is taking a toll on my mental and physical health. Im constantly stressed out, and I cant do anything about it. Its gotten to the point where Im considering repossessing the car, but then Id be without one. Im in a tough spot financially and mentally because I cant save money for anything now that I have to pay for this car. Im trying to go back to school to start my career, but itll take me 10 years. Im desperate for any advice or solutions to this situation. Ive tried everything I can think of to get out of it, but nothing seems to work. 

Here are the details : Car dealership : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XXXX XXXX Financed through : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, Texas, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

My social security on my XXXX credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were three credit cards ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me anxiety and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. Thank you
Product: Debt collection

I always paid my rent on time. 
I moved out before I was supposed to. 
They are charging me for rent that I do not owe. I was paid in full. I left the apartment in good condition and nothing was broken. My security deposit was taken. I didn't cause damages to exceed what damage deposit would cover. I know this for a fact. The landlord, XXXX XXXX refused to give me rent receipts, because I asked every time and she would make an excuse not to give me any. So, I can not prove with receipts that I paid my rent. I am an honest individual, and do not owe these people any money. I took her to court for bedbugs and XXXX XXXX is retaliating because taking her to court costed her money and she is being deceptive in trying to obtain money from me because she wants to be paid back and XXXX XXXX did this illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : 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 Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Product: Checking or savings account

I opened a checking account with TD Bank in XX/XX/XXXX, and I have previously had a checking account with TD Bank that was closed in XXXX. I opened the account with a promotion for {$300.00} for a new checking account with direct deposit terms while being not available to those who have not had a checking relationship within the past 12 months. ( See footnote 1 in the attached PDF ). I met the terms of the promotion, though TD Bank is denying me the promotional offer. I have secure messaged them multiple times from XX/XX/XXXX until now, and their response is that the offer was not intended for those with a previous checking account relationship at all. The problem is, that language was NOT in the terms of the agreement when I opened the account, and TD Bank is attempting to deny me the promotion based on language not in the contract they are trying to enforce.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent out dispute letters to have XXXX & Equifax remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that XXXX & Equifax have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

What language is being used regarding such Corporations? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? 

In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since XXXX  and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This a credit card debt for Capital One. I have provided police reports explaining I was a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}
Product: Debt collection

I received a letter from a debt collector regarding a debt I had payed off during XXXX to another company for a lesser price. The debt was from 2018 and not only has the statute of limitations for the state of Illinois run out as it is older than 5 years but it is also a debt I paid off during XXXX. 

I did not call or contact as I do not want them to harass me due to a debt I no longer owe
Product: Credit card

XXXX, XXXX - I bid on liquidation.com for unopened returned and unclaimed packages. 
XX/XX/year> - found numerous unresolved customer complaints online about liquidation.com delivering products less than advertised weight, and packages not meeting the threshold of unopened, returned, and unclaimed. 
XX/XX/year> - Called merchant to discuss my findings, and to seek guarantees, but they were closed for the weekend XX/XX/year> - Called XXXX and opened a dispute to the transaction, and added a block to my credit card XX/XX/year> - emailed the merchant with my concerns XX/XX/year> - called the merchant to attempt to attempt a resolution XX/XX/year> - Delivery attempted by the merchant, but I refused delivery, because I was not convinced that the products that were being delivered would match the merchants claim. Also, because i opened a dispute my expectation was that XXXX  would have intervened to ensure the merchant reach out to me to attempt to address my concerns. 

Subsequently, XXXX closed the dispute, overrode my credit card block, and charging my account without reaching out to me for any clarification, nor directing the merchant to reach out to me to address my concerns. XXXX  played judge and jury by allowing the merchant to keep the products, and then charging me for the products- a big win for merchant and XXXX. 

I complained to XXXX about the manner in which they handled the dispute, and they reopened it only to close it and rebill me.

1. I concede I should have researched liquidation.com before bidding on the site. Notwithstanding this Liquidation.com had enough time to respond to my valid concerns. 
2. Liquidation.com has had ample complaints and accusations of deceptive and fraudulent business practices that they should not be allowed to hide behind an " As Is '' claim. 

3. XXXX banks sham dispute resolution process in this instance was unfair and unjust as they did not ensure that the merchant reach out to me to address my concerns prior to closing the dispute. 
4. XXXX  reopened the dispute due to my complaint of unfairness and asked me to submit supporting documentation but still did not ensure that I had an opportunity to get the products or a negotiated resolution from the merchant. 
5. In the end only XXXX  and the merchant benefitted from this transaction as I have no products and no answers to my valid concerns.