23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX   investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so. 

This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well. 

My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XXXX XXXX, 2021, I filled out on-line information with Experian to have my credit information unlocked permanently. I received an email later from Experian stating that my information was unlocked and information on how to lock it again in the future. I am trying to obtain a mortgage loan and they have been unable to obtain my credit information from Experian. They have obtained this information easily from XXXX and the other one. I have tried redoing the online form, contacting Experian by email and so many phone calls that only refer me back to the internet. Tomorrow I am going into the mortgage office with my laptop to see if they can help since obtaining any help from Experian is a waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with Capital One 360 back inXX/XX/XXXX During this time i was the victim of fraudulent activity on my account which caused me to go go past due. In Spring of XX/XX/XXXX i claimed Chapter XXXX bankruptcy and was discharged XX/XX/XXXX. Capital one was notified that i had fraudulent activity on my account, and that it should be discharged, and collection attempts should stop. Capital one has been very aggressive with illegal collection attempts even after my attempt to inform them they should be resolved. They refuse to let me dispute the items that were fraudulent and occurred pre bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a matter concerning my closed account with XXXX XXXXXXXX XXXX  XXXX Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am requesting that XXXX XXXXXXXX XXXX  take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXXXXXX XXXX  will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Imagine going to a store with a {$20.00} bill and a credit card in your wallet. Your total comes to {$16.00} and you give the cashier your credit card, because the purchase is a business purchase and your credit card is a business card. Instead, the cashier notices you have {$20.00} in your wallet and yanks the {$20.00} from your wallet to complete the purchase. 

This is what PayPal has become. At best, it is deceptive ; at worst, it is theft. 

I am a PayPal customer since XX/XX/XXXX. I have always enjoyed using PayPal to select which payment method I want to use at various online retailers. However, on XX/XX/XXXX, I purchased a ticket for {$16.00} with XXXX  XXXX and used PayPal to complete the transaction. The transaction ID was XXXX. PayPal asked how I would like to pay for the transaction, and I chose my XXXX XXXX card ending in XXXX ( see attached screenshot ). This is also my default card, or " preferred way to pay '', as PayPal puts it ( see attached screenshot ). However, after selecting this card, PayPal ignored the payment method indicated at checkout and instead deducted the {$16.00} from my PayPal balance, because at the time of the transaction, I had funds in my PayPal balance that had not yet been transferred to my XXXX checking account. 

PayPal 's customer service confirmed that in the event there are funds in your XXXX balance, any credit cards selected at check out will be ignored, and your XXXX balance will be used, even if the credit card is selected as your default payment method. 

There are many reasons why a consumer may wish to place a purchase on a specific credit card, rather than using cash ( or PayPal funds, which is the equivalent of cash ), including, but not limited to : 1 ) the transaction may be a business purchase, and must be placed on a business card ; 2 ) the credit card selected by the consumer at checkout may offer specific rewards for the purchase ; 3 ) the consumer may need to save the PayPal funds ( the equivalent of cash ) in order to pay for goods or services that do not accept credit card as a method of payment, such as rent, mortgage, etc. ; 4 ) the credit card  selected may offer purchase or travel protections that are not offered by PayPal. 

A dispute filed with PayPal regarding this transaction ( namely, dispute ID number XXXX ) was denied because my dispute is not with the merchant ( XXXX  XXXX ) but rather with PayPal itself. 

It is unacceptable, deceptive, and borderline theft for PayPal to withdraw funds from my account when I have indicated that a particular purchase is to be charged to a particular credit card. 

PayPal is making online purchases more difficult than they need to be. The front page of PayPal.com advertises ( see attached screenshot ) that " With PayPal, you can pay your way '' and " Add credit, debit, and bank accounts to your digit wallet and take your pick at check out. '' These statements are false, as evidenced by my situation described above.
Product: Payday loan, title loan, or personal loan

I took out a payday loan from XXXX XXXX in XXXX Ca. on XXXX XXXX in the amount of {$5000.00} based on my bank account activity which I was OK with but, I was under duress and was not properly informed of what I was signing. I was told that my payment would be a total of {$260.00} monthly and to my shock and surprise it was two monthly payments of {$260.00} with a grand total of {$520.00} a month! which I think and know this is robbery and I rather not pay this loan any longer because if I do I will become homeless!
Product: Checking or savings account

I keep having ongoing issues with my bank Wells Fargo. Firstly, I get XXXX. There was a time in XXXX when I could not access, my money because they would not let me access it because I had a municipal Photo ID which they would not accept. I could not get to the XXXX due to homelessness and I was having serious trouble finding help with any agency in XXXX XXXX. I had about {$2000.00} in the bank with no way to touch it because they would not allow me to withdrawal. They would allow me {$100.00} at a time, daily, but how could I pay bills with that. 
One manager said to me " didn't I give you {$100.00} yesterday '', I said " excuse me, I manage my money, you do not manage my account '' I was appalled. It was on XXXX XXXX in XXXX, XXXX It XXXX XXXX XXXX for a while before I withdraw-ed all my money and went to another bank. I had to come back to Wells Fargo because I'm having problems with credentials and it was just easier. I keep getting my bank card/ wallet stolen for a while due to XXXX XXXX XXXX XXXX XXXX XXXX. I need help. 
I've been to Wells Fargo and I need you to look into these potential bank card numbers. They tell me to call customer service but I explain to them I'm hearing impaired and I need help and I'm brushed off. My sisters aren't around and won't help me, I'm alone. I just got over XXXX XXXX which was difficult due to the masks because I read lips and I'm constantly dealing with people stealing or ridiculing me. I need help. I keep trying to place police reports but I'm not being taken seriously. I have photos I've collected for years, but no one has asked to see them. 
My face is even showing up on XXXX XXXX and my family is XXXX XXXX saying it isn't me. I have a tons of photos and I believe I'm also not receiving the benefits I deserve. Not to mention the {$18000.00} in XXXX I put in for working 11 years at my former brand before the pandemic made me unable to work due to communication issues. 
I'm also having issues with XXXX that Ive just sent a report to the FTC I could go into detail but Im experiencing similar issues. 
Please take the time to read all of this. I'm still homeless and barely getting by. I don't know what to do anymore and any assistance from you would be greatly appreciated. 

Thank you for your time, XXXX XXXX
Product: Credit card or prepaid card

Starting on XX/XX/XXXX and for one to two days after, approx. {$6000.00} in cash transfers were initiated without my approval, nor were they me. 

USAA was contacted, as they have every time an issue has since happened. 

My profile was hacked, a new card was being sent, and the address was changed for it to go to Florida.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX :
Product: Debt collection

After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
Product: Credit card

Date of Incident : XX/XX/year> Application Reference Number ( if available ) : XXXX Company : JP Morgan Chase Product/Service : Chase Freedom Credit Card Description : I am submitting a formal complaint regarding the unfair treatment I received from JP Morgan Chase in the process of applying for a Chase Freedom Credit Card .

Timeline of Events : 1. On XX/XX/year>. I applied for the Chase Freedom Credit Card and received an email requesting that I must confirm my identity by submitting proof of current physical address and proof of date of birth. 
2. I submitted the required documents through their portal. A XXXX XXXX ( that is part of the XXXX ) drivers license, my Passport and my Social Security Card.

3. I called to verify receipt of the documents and they confirmed that the documents were received.

4. On XX/XX/year> I received a letter stating that my application was denied due to fraud. However, if the application is valid, please contact them. 
5. I called again and spoke with a representative who confirmed my identity by sending me a code through text message. The representative assured me that my application would be reviewed, with a resolution expected in one to two weeks.

6. After two weeks, I had not received any new notification about the status of my application. I called Chase again, and they were initially unable to locate my application, even with my Social Security number. When they eventually found my application, I was told again that it was denied due to fraud and that I should either reapply or visit a branch. 
This situation has caused significant inconvenience and stress. The repeated denials, lack of clear communication, and contradictory information from different representatives have been frustrating. Moreover, the credit inquiry has negatively impacted my credit score. 

As a resident of XXXX XXXX, the suggestion to visit a branch is impractical as there are no Chase branches available here. I was referred to Chase by other satisfied customers in XXXX XXXX, which makes this experience even more disappointing. 

Request for Resolution : I seek a reasonable and clear justification for the denial of my application because I was under the impression that I was fully verified by providing all the necessary documentation and confirmation trough the phone. 
If JP Morgan Chase can not provide a valid reason or authenticate my identity through alternative means, I request the removal of the credit inquiry from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a credit one, milestone, and capital one card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased life lock to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017  please help me remove these inquiries from all CB please
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
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 ( 1 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: Money transfer, virtual currency, or money service

I am submitting this formal complaint regarding Bank of Americas failure to work with my bank, XXXX XXXX XXXX, to reverse fraudulent transactions made to XXXX XXXX XXXX  in connection with a scam perpetrated by XXXX XXXX XXXX XXXX. These transactions were unauthorized and resulted in significant financial losses. These transactions are attached. I have also filed police reports with the XXXX XXXX Police and New York Authorities. Attached. 

Despite multiple requests and communications from XXXX XXXX XXXX XXXX Bank of America has failed to take appropriate action to recover the funds or provide assistance in investigating the fraudulent nature of these transactions. As a financial institution, Bank of America has a duty to comply with fraud prevention standards and collaborate with other banks to ensure the protection of consumer funds. 

What I Am Seeking as a Resolution : Immediate cooperation with XXXX XXXX XXXX to initiate a reversal request for all fraudulent transactions to XXXX XXXX XXXX. 

A detailed explanation as to why Bank of America has refused to engage in this matter, despite clear indications of fraud. 

A full investigation and report on the fraudulent transactions, including any internal findings related to XXXX XXXX XXXX XXXX. 

Immediate escalation of this case to the appropriate fraud and compliance teams within Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update the erroneous information. I think the XXXX Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau of Hudson Valley is double reporting on my credit file with XXXX XXXX. This is erroneous and needs to be removed off my credit. This is a violation of the FCRA