23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax approximately 2 months ago because I was told by a mortgage company that I needed to unfreeze my Equifax report. I tried to register for an online Equifax account but every time I did, I got a message stating I needed to call Equifax. I was told the first time that my account was not frozen and I should try again to register. I tried again and got the same message. I called back and got someone who spoke very poor XXXX. I asked to be transferred to the XXXX but she refused. I have called Equifax 8 times. The XXXX time I called I was told that my name was misspelled and thats why my account was frozen. I was told to fax a copy of my Social Security card and driver license so they could fix it. I was not comfortable doing this but I was told they wouldnt fix it if I didnt. I faxed the information on XX/XX/22. I called Equifax on XX/XX/22 and I was told the fax hadnt been received, even though I had conformation that it had been. I again asked to be transferred to the XXXX and I was told they dont do that. The representative told me she would correct the spelling of my name and I could check that evening and unfreeze my account, she gave me a conformation number. I checked that evening and I still couldnt register for an account. I called Equifax back on XX/XX/22 and and gave the representative the conformation number, but there was no such number in their system. Again I asked to be transferred to the the XXXX and again they refused. I asked for a supervisor and he told me he would escalate this to their tech department, but there was no time frame for when it might be corrected.
Product: Debt collection

I would called after several times to make payments and no answear to miss make move tours them and pay his amount when I was willing.now date I styl have problems to ask and saying Im willing to pay back.and have no one to say something to.pandemics lost to recover and no answear styl.now its under pay by other collectives and they did not answear me and wrong mis connections from them.I see do believe they were in there point end of days of payee meets and I dont agree they did not answear me. I styl want to right now and now problem is now now tha amount is over al I deed not waits al that money and looks I dont pay yes yes I payed most of it and now blind by seeing who did this amount thanks its al, Im working right now and I wil pay back and this aint my amount its to much and it dos not look like to say I have al this items to tied to this money I wil have this answear and help to give to them they are patients but I dont understand thanks for your look out and have to say something about problems right me.thanks I wil wait for and answear of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX) Not Mine 2. XXXX XXXX XXXX  (XX/XX/XXXX &XX/XX/XXXX ) These are not mine
Product: Debt collection

Please see the recording of the after hours call. 
The company below still continues to report this to the bureaus. 

This is the video saved to my XXXX XXXX and shared to you. 
XXXX : XXXX? XXXX=XXXX  Thank you, XXXX XXXX -- -- Collector info : DIVERSIFIED CONSULTNTS Last reported XX/XX/XXXX {$2200.00} Reported balance Original balance {$2200.00} You owe100 % of the original balance OVERVIEW OpenedXXXX XXXX XXXXXXXX ( 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name11 XXXX XXXX  CONTACT INFO DIVERSIFIED CONSULTNTS P O BOX  XXXX XXXX, FL XXXX USA XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.
Product: Credit reporting or other personal consumer reports

Self lending from XXXX TX discriminating agency directly bullied me via email and phone. I opened self visa credit card and due to fraud and unauthorized transactions I refused to make payments because I have XXXX liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate the fact that I have to file complains on this one credit bureau that is always causing problems failing to comply and the representatives I get on the phone are rude dont listen have attitudes misrepresent the company, give false information and not realizing im documenting everything. THE REPRESENTATIVES ARE RUDE WHEN ASKED TO LOOK OVER A LEGITIMATE MATTER WITH LIGITIMATE FACTS ... 

I disputed a account with Experian recently a account called XXXX XXXX  XXXX THAT THE HAD A IMPROPER NOTATION LISTED FOR YEARS, INCLUDED IN BANKRUPTCY BUT AS WE ESTABLISHED THE BANKRUPTCY WAS NOT MINES THEY DELETED THEREFORE WAS SUPPOSED TO DELETE THAT INCLUDED IN BK ACCOUNT ... .instead what they did was they went in and deleted the notation and leave the account reporting all kinds of false information, to make matters worst they deleted a XXXX XXXX XXXXXXXX account but not the right account, the one that was supposed to be deleted is the one with a balance of {$810.00} the one they deleted was a positive account, this is the second time this month they have deleted a account but not the account that I actually disputed, they deleted the wrong account ... then the rep told me that the data furnisher made the decision to delete the positive account, which they sent me a letter saying they never made that request along with the lettter stating that they never list any account with them with a bankruptcy notation, so experian did that all by themselves, I have full paper trail ... the agent twisted her words on a phone call made today at XXXX eastern standard time, when she first claimed I disputed the account that was deleted, then when I challenged it she said the furnisher did it, which I know is incorrect ... they made me lose 30points on my credit they want to keep bad information thats not supposed to be reported and delete my good information and then be rude and not listen to me and not try to correct the error.. ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ACCT # XXXX XXXX BAL : XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I am writing to seek your assistance in resolving a dispute with PayPal regarding a transaction with XXXX XXXX XXXXXXXX. On XX/XX/2023, I filed a dispute with PayPal for a transaction in the amount of {$3800.00}. After initiating the dispute, I was offered a full refund in exchange for returning the item. I duly returned the item, and it was delivered to the address provided by PayPal on XX/XX/2023, with XXXX tracking number XXXX. 

Despite providing numerous pieces of evidence to the PayPal Resolution Center and complying with their requirements, I have not yet received the promised refund. I have also been in communication with a supervisor at PayPal customer service, who assured me that I would receive the refund. However, the refund has not been processed, and the delay in resolving this matter has caused me significant concern. 

I am reaching out to the CFPB in the hope that you can facilitate a timely and fair resolution to this matter. I have worked hard for this money and have made every effort to comply with PayPal 's procedures. I believe that the involvement of an impartial third party is necessary to ensure that I receive the refund that is rightfully mine. 

I kindly request your assistance in reviewing this case and helping to expedite the refund process. Your attention to this matter would be greatly appreciated. 

Thank you for your time and attention. I am hopeful that with your intervention, this issue can be resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX number : ( XXXX ) XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Michigan XXXX XXXX XXXX XXXX. And assigned to ALLY FINANCIAL INC . The annual percentage rate was XXXX XXXX, the Finance charge was XXXX, the Amount financed was {$20000.00} the total of payments was {$28000.00}, the total sale price including my down payment of {$1000.00} is {$29000.00}. Instead of the creditor reducing the amount of the down payment, they raised the amount or did not apply the amount at all. Due to the fact of this information being inaccurate I have suffered majorly. I have late payments due to the inability to pay timely due to the practice of the creditor. The late payments affect my creditworthiness to other creditors and I have suffered immensely due to the derogatory information resulting from this transaction. This has affected my mental health also. 

I have called to try to get the actual numbers for the loan origination but the representatives tell me they can only go back 2 years. I have sent a debt validation letter certified mail and still awaiting a response.
Product: Credit reporting or other personal consumer reports

I am writing to request of unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiries that I did not Authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Note : This inquiry was pulled twice on the same date. 
Please have this inquiries removed from my credit report, please update me with a full report on your finding within 30days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Debt collection

items on my consumer report that's is creating adverse negative implication on my financial life to grown
Product: Checking or savings account

Chase asked me to close my accounts with them, and never provided any explanation. I closed the accounts but have booklets of Checks ordered a few months prior the closure. When I called the customer service for the refund of the money used in purchasing the checkbooks, I was told that the loss is on me. I am requesting for Chase to provide me with the refund and also to send me how to return the unused checkbooks.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX and XXXX XXXX. I nead experian to fix this discrepancy. They give no explanation as to the 40 points im being denied by them alone. They want to sell credit cards.
Product: Student loan

I received communication from Great Lakes in regards to a student loan obligation. I am requesting information to validate proof of claim to the alleged obligation. 

See attached
Product: Money transfer, virtual currency, or money service

I was having a technical issue with my gmail account. I called the XXXX XXXX customer service number. A supposedly XXXX technician said he could help me and need to access my computer. He said it had been hacked. He said it would take an hour or so to fix and then it would be a charge of {$89.00}. When it was time to pay he got access to my bank when I was trying to pay online and changed the amount to {$990.00}. My bank said that they could not help me that I allowed it which I did not. They are unable to refund the money. Please do not trust the internet phone numbers. This was a total scam and I am so ashamed and angry.
Product: Credit reporting or other personal consumer reports

I have reason to believe that my personal information has been compromised and I would like to take further steps in having this account re-investigated. In accordance with Fair Credit reporting act 15 U.S code 1679 you have a right to dispute inaccurate information in your credit reporting by contacting the credit bureau directly and this information is believed to be incorrect. I was a victim of identity theft where my information was stolen and accounts open under my name. One of the accounts that Im a victim of identity theft isXX/XX/XXXX when I reviewed my credit report with Experian, and I noticed theXX/XX/XXXX account reporting I contacted XXXX and advised them that I did not authorize this account to be open or to report to the credit bureaus after speaking with a representative I was told that the account would be closed, but the information will remain on my credit profile but I did not authorize this account to be open at all so this account should be removed from my credit report due to identity theft I reached out to Experian to have them investigate the account, but it came back accurate which I dont know how because I have multiple messages where Ive been a victim of identity theft and accounts are open and my name with other lenders so Im asking your company to help me re-investigate the decision that Experian made so that I could have this account removed on my credit profile as it is hindering my score. I have yet to see proof from Experian that this is accurate information. I havent seen any documents that I have signed withXX/XX/XXXXproving that I indeed open the account in my name and gave them permission to report to the bureaus so Experian is reporting false information on my credit report and it needs to be investigated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. 


Inquiries : Name Requested On XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX 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 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 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 CREDIT ACCEPTANC 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 CREDIT ACCEPT CORPCAC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WI XXXX has been sending me collection notices in the amount of {$620.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2020, I sent {$200.00} to an account I found on XXXX  saying hed sell me shoes for that amount. It seemed completely safe seeing how many stars he has and his reviews. After I had sent it, he stopped responding although he was active. I have his XXXX   XXXX  account, the email he gave me to send money, and his number. I tried contacting with my Wells Fargo bank account but they couldnt do anything about it, not even file a complaint or anything to try to recover my money back. XXXX on the other hand, couldnt help me as well. XXXX is definitely not the best app to use sending money because you are not protected at all.
Product: Credit reporting or other personal consumer reports

I have disputed many accounts that are on XXXX, XXXX, and the other Credit reporting agency. 
All XXXX have dates and payment info wrong. All of the account are wrong!! I have asked for a paper copy of my reports, from XXXX and XXXX and never got them. Due to the wrong information, my file for XXXX is XXXX pages long. Also XXXX has a note, that shows that my deposit to my account info is being checked.
Product: Vehicle loan or lease

I purchased a used XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX Texas. I purchased a vehicle XX/XX/XXXX of this year. I do not have my registration or my plates yet. The state is also showing that there is a lien on the vehicle in the name of the previous owner still. They also do not have a Texas title for the vehicle. 

I then get two letters in the mail from XXXX saying that the dealership canceled my extended service contract and my gap coverage. I called XXXX to confirm that there is no coverage on the vehicle and they confirmed that there is in fact no coverage, the dealership did cancel both contacts, and the dealership was issued a refund for approximately {$5000.00}. 

I have spoken with the dealership with the finance XXXX, and he is giving excuses for delays in the titling and registering of the vehicle. My sales person has been telling me since mid XXXX that the registration has already been done and that I will get it any day. The state, my XXXX XXXX tax assessor, is saying that no, its not registered to anybody and thats when I was told about the lien from the previous owner. Ive tried asking to speak to the general XXXX of the dealership and no one will ever transfer me to them. I never get past the finance guy.
Product: Debt collection

I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.
Product: Credit reporting or other personal consumer reports

Innovis credit reporting agency has no phone number listed on their report.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed
Product: Checking or savings account

I am filling a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I moved out of an apartment and we were sent a final statement that said we had a balance of {$0.00} and the statement was not in my name. Creditor has repeatedly provided the same statement saying that I have to ignore the balance due and understand that I owe a debt of {$8300.00} and that the billing statement doesnt have to be in my name.
Product: Mortgage

When our loan was set up in XXXXXXXX XXXX XXXX the underwriter assumed we had a XXXX balance in our escrow account and set our monthly payment accordingly ( {$1800.00} a month going go escrow ). We actually transferred our existing escrow balance from our prior lender to Shellpoint Mortgage. We have been trying to get this corrected since XXXXXXXX XXXX XXXX Our escrow balance is over {$18000.00} and our second payment for XXXX tax year is less than {$5000.00}. I requested a refund of the escrow surplus, and an adjustment to our monthly escrow amount to more accurately reflect the actual property taxes of about {$10000.00} a year. Despite this issue pending for months, I have yet to receive an updated escrow analysis to correct the over funding and the monthly payment amount. Despite my many requests, I can not get Shellpoint Mortgage to address this issue. They keep telling me it is under review. Please help me get an updated escrow analysis from Shellpoint Mortgage so I can resolve this issue.
Product: Money transfer, virtual currency, or money service

I was an active cash app user between XX/XX/XXXX and XX/XX/XXXX the period covered by class action. The lawsuit alleged that Cash App mishandled security measures or suffered data breaches, which might have exposed my information or caused unauthorized transactions.
Product: Credit reporting or other personal consumer reports

docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.