23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX I received a faulty/junk car from XXXX XXXX in XXXXXXXX XXXX XXXX When I noticed it was having issues, I made them aware and took it to their garage. They gave it back and said there was nothing wrong with it. I ended up taking it to a XXXX dealership, where they said XXXX XXXX put the wrong transmission fluid in it. I got a receipt, then XXXX XXXX finally took very minimal action. They drained the transmission fluid to put the right fluid in, and didn't replace the transmission. I ended up having the same issue shortly after. The vehicle would heat up, and wouldn't do the speed limit. I tooo it to them 2 or 3 times for them to say " nothing is wrong with it '' I ended up getting tired of them doing nothing, so I returned the car and all of my payments were up to date and on time. Now, years later it is posted as a collections on my credit report and I'm pretty sure at this point/with these circumstances it should definitely be off. I believe it's been about XXXX years anyways.
Product: Checking or savings account

Around XX/XX/2020, my business client XXXX XXXX sent over 2 payments of {$2000.00} each totaling {$4000.00} for a personal exercise training package. He paid me via the " Friends & Family ''  option of Paypal. Mr. XXXX also sent me a couple of smaller payments of {$35.00} each on XX/XX/XXXX and XXXX for extra car fare. 
A few days later, a Paypal representative called me to inquire about these payments. Caught by surprise, I just told him XXXX was a " friend '' of mine who sent me the money, after the Paypal rep asked who XXXX XXXX was. 
The Paypal rep proceeded his questioning by wanting to know what the money was used for. I replied for " personal reasons ''. 
Based on these 2 responses, the rep informed me that he was going to close my account permanently because it presented a security risk and I will not be able to use Paypal or any of my cards or banks linked to Paypal ever again within their services. 
Despite my reaching out numerous times to appeal this decision to various supervisors, their responses have been consistently rude, disrespectful, unprofessional, and downright threatening, without any chance of recourse. 
Their decision has affected each and every one of my transactions negatively in which the merchant accepts Paypal only, limiting my options of business transactions. 
I even wrote an appeal request via hard copy and sent it via snail mail without response in the Spring 2020. 
I do not feel this was a fair decision on how Paypal treated me, without recourse for reinstatement. Paypal has effectively banned me for life, and I am seeking for a fair reconsideration for an opportunity to not make the same mistake of accepting payments under their strict guidelines, which they are not affording me. 
I am enlisting the intervention of the CFPB to assist me in my goal to be reinstated in good standing with Paypal again, as I had been for over 20 years previously. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number XXXX. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

an amount on my credit report which is not in my name nor have I had a history with this company
Product: Debt collection

see debt validation letter attached this company emailed me and i sent his debt letter to them involves three accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the XXXX ( XXXX ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is XXXX XXXX XXXX, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is proffered against XXXX, XXXX, and Equifax for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and XXXX report high balance for this account as XXXX. Equifax reports high balance as XXXX. Both can't be correct. XXXX. All 3 bureaus report a different date of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All three can't be correct. XXXX. XXXX and Equifax reports are missing Date account was closed. XXXX. Both XXXX and XXXX report Date of last payment as XXXX. Contrary, Equifax reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. XXXX and Equifax both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. XXXX and Equifax both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both XXXX and Equifax are missing last date verified. XXXX. XXXX report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both XXXX and Equifax payment history completely differ. XXXX shows in XXXX of XXXX account was o.k.. Equifax shows in May XXXX day late. XXXX shows XXXX day late in XXXX of XXXX and Equifax shows XXXX days late in XXXX of XXXX. XXXX shows XXXX days late in XXXX of XXXX and Equifax shows XXXX days late in XXXX. XXXX shows XXXX days late in XXXX Equifax shows XXXX  days late. All mismatched information.
Product: Debt collection

These XXXX XXXX XXXX credit cards were opened without my knowledge and I have no idea where they came from. I never received the cards and wasnt aware of the debt until Midland Credit Managment informed me of them and started legal proceedings
Product: Checking or savings account

On XX/XX/2024 I made multiple ATM withdrawals from the XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX When I tried to make my fourth withdrawal of {$400.00} the machine did not disperse any money, nor was there any error code on the screen. I immediately let the cashier know about the issue and he assured me it's an issue they have been having and the ATM company was just there that morning working on it. He told me there's nothing he could do and my bank would know to return the funds since I didn't receive any money. After waiting quite some time for the money to be returned I contacted Chime bank to dispute the charge. It's already quite an inconvenience that you can only speak with them over the phone, no email or chat option available. I have a toddler and I'm currently XXXX XXXX XXXX so it's not so easy for me to get on the phone for long periods of time to speak with a bank. I filed a dispute with Chime and they assured me that they would take care of the issue and I'd receive a temporary credit by the XXXX of XXXX. On XXXX  XX/XX/XXXX I received an email stating my dispute was denied and that I'd have to call them for more information or to fight the denied dispute. Again more of an inconvenience for me. I can not spend all day long on the phone with these people just to get my money back that I never received. I submitted a copy of the atm receipt along with my dispute so there's no reason they shouldn't be able to see that the ATM had {$400.00} unaccounted for from that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX bankruptcy listed on my XX/XX/XXXX Equifax Credit Report. This bankruptcy was not on the Equifax report between XX/XX/XXXX and XX/XX/XXXX. I was never notified that there was a change, and that this bankruptcy information would be placed on the Equifax report in XXXX ; it just reappeared with no explanation from Equifax. This action is illegal! In addition, the bankruptcy notation has been disputed to XXXX and XXXX because the bankruptcy court does not provide any information to the credit bureaus regarding bankruptcy. There is no law or standard that supports credit bureaus or XXXX XXXX placing bankruptcy filings onto consumer reports.
Product: Credit card or prepaid card

On XX/XX/XXXX I did online purchases from Bass Pro. A few days later I checked my credit score and saw Capital One did a hard inquiry on me for a BassPro card. I never authorized this. A few days ago I rec 'd a letter from CaptialOne dated XX/XX/17 to call them to complete my credit card application. Again, I never requested a card or authorized a credit check. Their hard inquiry, however, harmed my credit rating by about 15 pts.
Product: Credit reporting or other personal consumer reports

I've had several cards with XXXX XXXX and at least three I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Product: Vehicle loan or lease

I have never owned a XXXX  XXXX XXXX. I have pulled my XXXX records and there has never been a car registered under XXXX XXXX XXXX for that Vehicle. I have never had XXXX XXXX XXXX. That is not my signature on those forms. I don't see a copy of how you all verified my Identity. ( Driver 's license, Social Security Card )? All I see is personal information that someone stole. I noticed multiple addresses used. No consistency in which address. Who is XXXX XXXX XXXX? Where is the ID for this file? Where does the documentation truly verify that is me? Employment verification was only a pay stub that could have been old or found by this person and you guys googled the employer instead of truly doing a VOE? Maybe, if these protocols were done at the time of this loan we could have been not having this conversation. You could have helped and stopped me from having this frustration. Someone stole my information, yet the validity of the documentation was not done. They state this is valid, however, how is this valid? 

This is not me. Not my account. I do not see how XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX has anything to do with me. Where is the true verification of Identity? Where is the Employment Verification? Where is the proof you protected me as a consumer?? 

I asked you to please remove this account from my records. It does not belong to me.
Product: Debt collection

XXXX XXXX XXXX placed me 2 accounts in collections. Lvnv funding has been contacting me. I paid the smaller amount off. The larger amount i was told there is no record of account to pay. But LVNV is actively monthly reporting the debt is valid. Impossible to resolve this collection. 

LVNV Funding {$1200.00} Last reported XX/XX/2021 Thanks for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a FTC report on this account as this is not my account. 

XXXX XXXX XXXX XXXX
Product: Mortgage

i submitteted a complaint but they told me that it was an inquiry instead of a complaint. i now want to submit a complaint. the ten loan servicers i have had over the last 15 years have refused to give me credit for the money i have paid over that time period.I need proof of what iowe. the dates the money was posted to my account. plus i need proof of my payments that was APPLIED to my account because XXXX dollars was posted but never applied. also XXXX was paid through bankruptcy from XX/XX/XXXX to XXXX XX/XX/XXXX i sent them XXXX to cover the rest of the XXXX i owed in arrears. that wasnt applied. i already sent them my proof. Now i want them to send me proof of what i owe because my account history i got from them says i owe XXXX but they say i owe them XXXXCan i please have proof of the XXXX they say i owe? The original loan was for XXXX ... how could this be. I already submitted my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by Citicards CBNA from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Product: Debt collection

I contacted XXXX XXXX XXXX multiple times in XXXX and XX/XX/2021 to attempt to settle the outstanding balance with XXXX XXXX credit card. However, XXXX XXXX claims they do not own the account because it hasn't been transferred to their agency from XXXX XXXX XXXX another debt collection agency ). However, when I call XXXX XXXX they say they've transferred the account to XXXX XXXX. I've been informed multiple times by XXXX XXXX customer service reps that a service request has been placed with XXXX XXXX to have the account transferred and this process would take 5-10 business days. However, over 45 days have past and there has been no progress. The account details on the website of XXXX XXXX show the account is owned by them but not available for payment. My XXXX  credit report also shows the account in care of XXXX XXXX through XXXX XXXX. When I contacted XXXX XXXX they claim the account has been transferred to XXXX XXXX. I would like to either reach a settlement or pay the outstanding balance on the account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX with a balance of {$9000.00}, XXXX XXXX with a balance of {$700.00}, XXXX XXXX with a balance of {$820.00}, XXXX with a balance of {$13000.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$780.00}, XXXX XXXX with a balance of {$580.00}, XXXX with a balance of {$2700.00}, Management Support with a balance of {$2100.00}, XXXX XXXX Bankruptcy with a balance of {$0.00}, XXXX XXXX ( inquiry ) and XXXX XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX and # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Since my COVID payments stopped, the bank has charged me a $ XXXX monthly maintenance fee in XXXX and XX/XX/2021. I am a stay at home mom with a XXXX  month old XXXX  and can not afford to return to work because child care is more than my potential income earnings. I have no other benefits being received on the account. I signed up for this BOA checking account when I was working and agreed to using ATMs and not enter the bank, and I agreed to online statements to avoid being charged monthly maintenance fees. At a time when I, a consumer, need help the most, the bank continues to pile on the fees. I want to keep my bank account because it has been very convenient when my husband transfers funds and I can use my debit card. I don't want to use prepaid cards and become unbanked, but this large monthly fee makes a difference in being able to buy food or items for my child. I know the bank wants fee income but I wish they could offer an account with no fees for low income people who don't have {$250.00} direct deposit or maintain a balance of {$1500.00}. I shouldn't have to be rich to have a bank account.
Product: Checking or savings account

There was unauthored account made at a bank called Comerica bank the state of XXXX, MI XXXX. I contacted the bank and they immediately closed the account. The number is XXXX
Product: Checking or savings account

I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards