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

I have a XXXX XXXX XXXX where I XXXX XXXX XXXX XXXX XXXX  and XXXX. I usually use 3rd party sites like XXXX and XXXX but I have a few loyal XXXX  who request to XXXX XXXX XXXX directly. I have had XXXX XXXX  set up for several years with license, tax id, DUNS, etc., so I applied for a merchant account with XXXX in order to process payments. I applied on Sunday XX/XX/20 and the application process is very similar to a credit card application. I was asked for my EIN, Business Information, XXXX, phone number, DOB, and SSN.  After entering the information, I waited for a response and was approved after about 3 minutes. I was instructed to enter my banking information for deposits, and finish the setup. When I finished, I got a notification informing me I was ready to receive payments. I sent my first invoice for {$550.00} and was paid promptly. The next morning, Monday XX/XX/20, I shipped the item via USPS Priority Mail. Tuesday afternoon, XX/XX/20, I got an email informing me that XXXX considered me a " high risk '' for charge backs and they would not be doing business with me. I logged into my account to find they had refunded my buyers credit card, without warning. I was out {$550.00} and my inventory, a XXXX XXXX XXXX XXXX. I tried to contact them but they were not reachable by phone. Luckily, I bank with Chase who is partnered with XXXX, so I called my bank and they managed to find me an email address after about 30 minutes of calling the number they had for support, which didn't work either. I received a response the following day which informed me they would not tell me how they came to the conclusion I was " high risk '' and they had the right to terminate at any time. They directed me to their " Terms of Service '', which I read but why would they have the right without cause? There could be no justifiable cause. They could have denied my application. All my information is valid and up to date. The package was in transit. What am I supposed to do? The last message they sent suggested I should have waited for the funds to be deposited, which is not how credit cards work. That is laughable. If that was the case, I would take checks. Please help me. This is no way to do business and no way to treat people. The coin pouch was delivered Thursday, XX/XX/20, without issue. {$550.00} is a lot of money and I am sure they have done this before and will continue to do this if they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

14. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has refused to pay for charges related to an out-patient back XXXX ( XXXX to XX/XX/2022 ) due to previously unknown dual coverage with XXXX XXXX XXXX Despite my submitting appeals for 7 different charges related to said out-patient back XXXX, XXXX has not negotiated with the providers or XXXX XXXX to finalize disposition of charges and payments. The providers are now after me for over {$60000.00} in charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX  payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit
Product: Debt collection

In XXXX I reached out to NCB Management about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with XXXX XXXX XXXX original debtor ). 

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

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dint apply for Macys
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and was declined because they report a mixed information and a deceased information. 

I called transunion and they claimed no records since I have itin # ( I paid taxes and run a business with that # XXXX Attach proof of report from transunion
Product: Debt collection

This Debt that this company Advanced Collection is trying to collect and that they claim that I oue them is uncollectible, because I am XXXX and on XXXX, I also dont know who this company is, Ive never done business with them nor gave them the right to give out my information Because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. and also according to 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 Ive never done business with this company nor gave them permission to furnish my information to the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Two unauthorized money transfers were taken through my XXXX which was directly linked to my bank, one in the amount of XXXX dollars and the other XXXX dollars. I filed two disputes for both these transactions, and within about an hour of so of filing each dispute, my claim was denied due to the fact I have sent money to the person who received the funds before. Speaking with a representative from XXXX through chat messaging, I was told that money transfers were under the assumption of them that they were legit transfers. I do not know how this person was able to log into my account to transfer this money, but I absolutely did not authorize them to take any of the disputed funds. I was able to stop payment through the bank on the XXXX and the XXXX is now under investigation through the bank. However due to the stop payment, XXXX now has my balance in the negative and refuses to remedy the situation and want me to pay the negative balance, money which I do not have.
Product: Credit reporting

Portfolio Recovery Associates are reporting XXXX accounts on my credit reports that do not belong to me and they are unable to validate the information. I asked for validation of the debt by asking for a copy of the original signed document and they sent me a copy of a bill which is not validation because I am not the person who started the account. On the XXXX report they are reporting for XXXX account that the date the account was opened was XX/XX/XXXX and the date of the 1st delinquency was XX/XX/XXXX. The 1st delinquency date was almost 2 years before the account was opened. They are reporting a different opening date to XXXX for the same account ( acct # XXXX ). The other account reporting to XXXX is reporting an open date of XX/XX/XXXX and the date of 1st delinquency of XX/XX/XXXX. The date of the 1st delinquency is over a year before the opening date ( acct # XXXX ).
Product: Credit card or prepaid card

I received an American Express Prepaid Card but when I try to use it it is consistently declined. I have tried around 10 times to make purchases at XXXX and XXXX and received error messages, or notices that the payment method needs to be revised. I checked the balance several times on the Amex website and it shows the card as still having the original {$100.00} balance that was added to it. When I searched the internet about this problem to try to identify a solution, I instead found online forums where other people had experienced the same issue, with no resolution. The only tips I found from the company for resolving the issue were things like make sure the card isn't expired, make sure it still has a balance, and make sure the vendor requires the card number, expiration date and security code. I have done all of that ( the expiration date is XX/XX/29 ) and the vendors I was trying to use the card with both require the card number, expiration date and security code. When I called the Customer Service line I was transferred to another number, and then put on hold for 20 minutes. When I finally spoke to someone they told me that many online merchants do not accept their card, and they suggested that I use it at a physical store, and to call the merchant first to confirm that they will accept the card. I asked if they had a list of merchants that accept the card, and they said no. I told her that nobody wants to give someone a gift card that they have to spend hours trying to figure out how to use, and have to call around to merchants to find one that will accept it. And that if the card is only accepted at selected, physical merchants, they should make that clear, and list the merchants.I told the rep that I don't want to call around to stores, obviously, and that I want to use it to buy the things I want to buy, not to walk around trying to find stores that take it. Finally I asked if there is way to transfer the balance to me, to deposit it in my checking account or something. The rep then said she was going to put me on hold to check some information in my account, and then hung up on me. It is very clear to me that Amex is not eager to help people spend the money on their gift cards. Why would they be? 

I see that Amex was actually involved in at least one class action lawsuit in which they were accused of issuing gift cards that they say can be used " almost anywhere '' that many vendors do not accept. It is my belief, and the belief of others on the forums I visited, that Amex is intentionally selling gift cards that are difficult for users to spend the balance on, so that they are able to keep the funds. Even with a class action lawsuit settlement, I suspect they make more money issuing fraudulent gift cards than they pay out in a settlement. My boss gave me this gift card for my hard work at my job. He wanted to reward me, not give money to Amex, and not inconvenience me and give me a worthless gift card.
Product: Mortgage

XXXX XXXX While going through a refinance process with another lender, we were made aware that the legal description in our current mortgage- Dovenmuehle paperwork is incorrect. The legal description and parcel # linked to our mortgage documents do not pertain to our property at all. This incorrect legal description is filed with our county courthouse. Until this legal description is corrected, we are unable to refinance our home with any other mortgage company. 

XXXX XXXX A certified letter and documents outlining correction to be made was sent to mortgage company. A representative for the special loans department called and assured the error would corrected immediately. 

XXXX XXXX XXXX Multiple phone calls were made with no answer, left voicemails, with no return calls. The calls that were answered were operators that directed me to the special loans department. This is the only department that can " help me '' but they are always unavailable or closed. 

XXXX XXXX Sent an email to Dovenmeuhle special loans email address given requesting a return call and update on correction process. Still no answer. 

I am unable to EVER refinance my home or sell my home until that legal description is corrected. Per the other mortgage company, no company will ever approve a new loan until the legal description is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Transunion and XXXX to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name:XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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: Checking or savings account

XXXX XXXX XXXX XXXX Barefoot Circle XXXX, FL XXXX XXXX To whom it may concern, I wish to place a complaint against Chase Bank. 
On XX/XX/year> I was offered and accepted a job with a company named XXXX. I was informed that they do most, if not all, correspondence by text and email. I was informed that they were sending me a check, {$4500.00} that would be used for office furniture and computer. I received the check the following day. I deposited the check and then followed up the next day with XXXX to verify that they had COLLECTED the funds, as they were showing it on hold. I was informed that they had collected the funds and I asked that they remove the hold, which they did. I then received instructions from XXXX to send a wire to a specific company to finance the equipment purchase. I did this. XXXX has since said that the original check bounced and that I would be held liable, even though they had informed me that they had collected the funds. 
I have proof of all of this and ask that you sanction XXXX and fine them for this practice. I do have proof of all of this. Please also investigate XXXX. 

Respectfully, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My pension was reduced by 30 %, basically XXXX a month, my cost of living has risen twice that amount, putting me under water. One Main refuses to work with me to adjust my payment.
Product: Credit reporting

After applying for a mortgage I found that there is a judgement on my credit report from XX/XX/XXXX. So I disputed it with Experian and investigated it on my own. I found that this judgement was obtained illegal and that the only information on this judgement that matched to me was my name. The address is incorrect and my social security number is not on the judgement. When I spoke to Experian they stated that the judgement has a address I used in XX/XX/XXXX. Only problem is I was residing in the state of XXXX in XX/XX/XXXX not XXXX. so they stated there not going to remove this invalid judgment.
Product: Consumer Loan

I disputed the balance on account number XXXX from your company American Honda Finance your company updated a new balance XXXX. Please provide me with a full account Ledge for how you came up with the figures you updated to my credit report.The information that you are reporting is inaccurate. I have previously requested for your company to remove the account XXXX from all collection activity include reporting inaccurate information.Please provide a full ledge of reporting that your company has reported to all XXXX Credit Bureaus. I am Requesting this information to verify that your company is providing correct information to the Credit Bureaus.I am reviewing different balances being reported under each credit Bureau. I am forced to File A Complaint with the FTC AND TX ATTORNEY GENERAL. If this matter is not resolved. Again Requesting DELETION of account XXXX from all XXXX Credit Bureaus