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

On XX/XX/22, I made a purchase at a sneaker business named XXXX XXXX which used PayPal as a payment option. My payment for {$220.00} USD came in the form of {$170.00} USD from my existing PayPal wallet balance and {$56.00} USD from my checking account. PayPal had always been a preferred payment method for me as they have amplified marketing around their buyer payment protection, going as far as to have large fonted advertisements stating " Protection you need, peace of mind you deserve '' which gave me confidence in purchasing from this seller in the event that there were any issues as PayPal would make things right with me, the consumer. Furthermore, PayPal very clearly states that I'm protected if my order does not arrive as reflected in Item 2 on the following site ( https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security. ) Given my purchase was a pre-order, I was not expecting to receive it immediately. On XX/XX/22 I received a note from the merchant directly that their business was going into receivership and that the business would be dissolved. Given my receipt from PayPal stated that I have 180 days from the date of the transaction to open a dispute in the Resolution Center should I have an issue, I Immediately went to their website to raise a claim and saw that my dispute should take approximately 30 days. A dispute was raised with case XXXX XXXX Over the course of the dispute, PayPal did not kept me up to date, and continued to push out their resolution date. On two occasions, where it was noted to me that resolution should take place within a week or so, the date has come and gone with no resolution from PayPal. On XX/XX/22, PayPal provided me with an update to let me know that my case was denied citing that my purchase was ineligible for purchase protection. The specific reason for ineligiblity was because PayPal cited that these items were intended for resale. To be clear, this single pair of shoes was for my specific personal enjoyment and not any type of after-market profiting and for PayPal to make that assumption is offensive, unwarranted and also a way of cheating honest consumers by finding a loophole. 

In the past few weeks, court filings have come out against the merchant where it has been deemed that they were in fact a veiled Ponzi scheme now being investigated by the FBI. In reaching out to the receiver of the dissolved business, as well as reviewing court filings made by them, their response has been, " The Receiver has determined that no refunds will be made at this time and no orders will be fulfilled. '' What is further disturbing, PayPal has drawn out the duration of these dispute investigations to the point that my bank no longer gave me an option to file a Reg. E dispute, something which I believe PayPal knowingly did with intent to avoid the obligation of paying these funds. In hindsight, I cant help but feel that PayPal engaged in predatory practices by steering me into a payment product with which they feel they do not have to abide by their own warranties and protections.
Product: Credit reporting or other personal consumer reports

I am writing again to dispute the account appearing on my credit report. As mentioned before, I have been a victim of identity theft, which led to this fraudulent account being opened in my name without my consent. The creditor has recognized this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report and Identity Theft Affidavit. However, I have noticed that your bureau is still reporting this account despite their approval for removal. 

As a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. By not removing this fraudulent account, you are failing to meet this obligation and causing further harm to me. 

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

THESE ACCOUNTS DO NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

i had an auto loan usaa for a XXXX  XXXXXXXX XXXX XXXX XXXX vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but usaa had already put the account in collections and refused to changed it.
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 violate the Consumer 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and | XXXXfinancial loss, and I seek appropriate redress, for these violations
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 use 1681. 

XXXX XXXX XXXX XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit report is reporting in incorrect social and name spelling numbers. Items I know knowledge of I've been trying to create this matter for a few long time.15 U.S. Code 1679c
Product: Debt collection

a debt collecter has been harrasing me, calling, leaving messages, texting. 

I told them i dont know who they are, they say there name is gurstel law. never tell me who they claim i owe money to
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has several inquiries on XX/XX/23 and XX/XX/23 .. XXXX for same company for duplicate inquiries.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove this immediately in my report : XXXX XXXX XXXX XXXX
Product: Mortgage

With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016. 

I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.
Product: Credit reporting or other personal consumer reports

I believe XXXX XXXX incorrectly reported a credit score reduction of XXXX points by TransUnion and XXXX points by XXXX. This occurred despite paying an XXXX XXXX  ( XXXX XXXX  ) balance of $ 7212 % of a {$600.00} limitwell before the due date. The score calculation seems to have been made shortly after the posting date, not considering the timely payment. Reducing the score for 12 % utilisation within the due date feels unfair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX Block.Inc. ) due to inadequate customer service and unfair practices, Violating the Consumers 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I applied for a Pen Fed Credit Union credit card. I received my denial letter, dated XX/XX/XXXX. The credit card application number is XXXX, and the reason for denial was " We are unable to verify the identity of the applicant and/or the co-applicant ''. 

XX/XX/XXXX at XXXX pm, I requested the name in writing from the first Cust svc agent at XXXX. The agent refused, but instead shuttled me to the inside XXXX call center. XXXX has refused to provide me with a credit report, because they have false information on my report, have refused to remove it and demand that I present false ID that matches what they have on it. That call resulted of course, in nothing. 

XX/XX/XXXX at XXXX XXXX, I requested the name on my denial letter in writing from the second Customer service agent, at XXXX. XXXX stated the same, " We collect our information from XXXX. I can't email you anything, but we can give you the number for XXXX. '' I declined that as it is not what I requested or needed and XXXX has denied three requests plus false IDs. I asked for a supervisor. 

XX/XX/XXXX at XXXXXXXX XXXX the Pen Fed supervisor called me. I explained the same requirement as described in the Fair Credit Reporting Act. When a consumer is denied credit, the! ) Reason and 2 ) Source must be included in the denial letter. This supervisor said " We typically don't do that. '' I repeated that it is Federal Law, and I am entitled to that same form with the listed reason " Unable to verify identity '' along with XXXX as the source. She stated that she would see what she could do, because typically they get all their information from XXXX. I demand this properly formatted letter with XXXX as the source from PenFed Credit Union and a cease to their violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX lending account
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

Cap ONE nA Cap ONE nA Cap ONE nA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY IDENTITY HAS BEEN COMPROMISED THERE IS ITEMS ON MY CREDIT REPORT THAT SHOULD NOT BE THER
Product: Credit card or prepaid card

On XX/XX/XXXX.. I paid off my credit cards to capital one.. over {$6000.00} in card debit. Today XX/XX/XXXX.. I check one of my accounts and someone has racked up {$1600.00} worth of stuff. When I paid off my card.. I asked to have new cards sent to me as I have been going back and forth with capital one over misuse of my accounts. I do not own XXXX account, I do not shop at kohls and XXXX. The XXXX is not my checking account.
Product: Debt collection

I had Reached out to this company that was showing up fraudulently on my Credit report stating a inaccurate amount that is due of {$310.00} I don't know this company or owe this company!
Product: Credit reporting or other personal consumer reports

I was alarmed this morning to see inaccurate accounts on my credit report, and I have no idea why they appeared. I check my report regularly, but today, there were discrepancies that werent there before. I refreshed my browser, thinking it might be a glitch, but the errors persisted. I would really appreciate it if the documents Ive sent could be checked thoroughly so I can stop stressing over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account XXXX XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.
Product: Credit reporting or other personal consumer reports

I have a mortgage through XXXX XXXX XXXX  for a single family residence at XXXX XXXX XXXX, XXXX, OH, XXXX. I have been paying on the home for the last XXXX years without incident but they just reported that I missed a payment, which resulted in a XXXX point drop to my XXXX XXXX. I did not miss a payment. I have never missed a payment. I can show in my bank statement that I have been making payments online, on time, every month. Since credit scores are pretty much everything, I am, of course, very very stressed about this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my employer information that must be corrected. Specifically, I am requesting that my employer details be updated to reflect my correct employer, " XXXX XXXX XXXX XXXX XXXX, '' and any outdated or incorrect information be properly revised. Accurate reporting of my employer is essential to prevent delays in financial matters and ensure I am not unfairly affected by outdated information. I kindly request that this update be completed promptly and confirmed in writing to avoid any future complications
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.
Product: Mortgage

Nationstar Mortgage has a new website that requires you to enter your zip code and your full social security number in order to access your account. I have always made my payments online with no problem through their old website. 

I called to complain, and offered to verify by phone, but they said they can not change the software. That is the requirement. They will take payments by phone, for a {$19.00} fee. You can also set up auto pay, once you get the forms, or mail in your payments. Both choices delay my payment. 

I have no access to my account for information, including year end tax info, unless I am willing to share my social security number online for any and all hackers to see. 

I do not understand how Nationstar can get away with this legally.
Product: Debt collection

RMS Recovery Management Systems h as repeatedly called our home number attempting to contact an individual whom we do not know. We have now told them multiple times that the individual the are seeking does not live at our house, nor do we know the individual, yet they keep calling our house and harassing us on at least a weekly basis. I am not certain of the debt they are trying to collect as we do n't have many loans as a family. I will not answer their calls any longer as I feel threatened by this company and need their calls to stop. What can I do to have them stop calling us.
Product: Vehicle loan or lease

This company is involved in deceptive business practices, Identity theft, Defamation of character, by performing and engaging in illegal activities that violates consumer law, federal law and state laws. Based on an investigation and all proof of supporting documents as well as numerous violations of CFPB, FTC, UCC, CFR, FCRA, FCDPA, TILA, and much more. Attached are communication and supportive documents between Westlake Financial Services and the consumer XXXX XXXX.
Product: Credit card or prepaid card

Creditor American Express is already aware and have coded account ending in XXXX for my deceased mother located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Specifically, authorized user : XXXX XXXX ( daughter ) card XXXX XXXX XXXX, should no longer be reported to credit agencies : XXXX  , XXXX or XXXX or any other credit reporting repositories.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is United Check Recovery Bureau , Inc . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the United Check Recovery Bureau. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.