23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Goods not received I ordered 2 products on XX/XX/23 from 2 different sellers. I used my PayPal account to pay for each item. It appears that PayPal combined both orders into one transaction. The products ordered were a wooden gazebo kit & a vinyl storage shed. PayPal states the one merchant who was selling the gazebo kit shows a XXXX delivered confirmation receipt w/ a receivers name of XXXX. Both of the items I ordered were from the XXXX XXXX in the XXXX. Logistically it is impossible to get the two items to my home address by the dates PayPal is providing. I live on an XXXX in XXXX Washington. We do not have a land link to the mainland of WA State. We must use a WA State Ferry to drive to the mainland. Logistically all durable goods must come out to our island by boat or air. I did NOT receive either of these two items. I did not sign the XXXX delivery receipt. The one seller PayPal contacted says the delivery receipt is signed by XXXX. I live alone & all 6 of my neighbors do not know this name nor do they know anything about such a large delivery made to my home address. I am dutifully making the payments to PayPal for the charges of {$920.00} in 6 payments. Currently I owe the balance of {$320.00}. I spoke w/ PayPal today & they said if I can get proof from the XXXX contractor here on XXXX XXXX XXXX the packages were not here on XXXX XXXX nor were the packages delivered PayPal will reopen my claim. So now I have to drive into town, XXXX XXXXXXXX, & see what I can find out how XXXX XXXX ( XXXX delivery contractor ) for XXXX XXXX XXXX ) can help me. Is there any help your agency can provide to help me get the two items I ordered or have PayPal issue me a refund? I am a XXXX XXXX XXXX lady trying to remain compliant with my PayPal account. Yet PayPal will not listen to me. Very few businesses will not deliver large products to our Island because there are no mainland roads. Additionally XXXX will not accept heavy packages, more than XXXX lbs. the wood gazebo kit weighs over XXXX lbs. I am a an XXXX lady who lives alone on a very rural island.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you 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, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the credit bureaus remove an incorrect address from my credit report. It still remains on my profile regardless to the requests.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name:XXXX, Account name : XXXX, Account name : XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

I have loans that is not being reported with Equifax. I have spoke to them about this and they tell me to contact the places I have loans with and make sure they report it. I have done that I contacted XXXX Mortgage and XXXX XXXXXXXX. They both assure me they report every month to all credit bureau 's. I even asked to make sure they report to Equifax and they said yes they do and have been. XXXX Mortgage even sent a reporting update letter to Equifax to try and help me. I'm still not seeing it being reported on Equifax website. When i login to there site and get a credit report it shows my credit history is XXXX  years XXXX  months. I have inquiries but my loan information isn't reporting. Its very frustrating gaining inquires and being denied loans because I have no history of accounts on Equifax like I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}
Product: Student loan

My student loans were discharged under the PSLF, but FedLoan reports ( and I concur ) that I paid 123 out of 120 payments resulting in a 3 additional payments over the required 120 payments ( see attached ). On XX/XX/XXXX, FedLoan Servicing reported that it would take 30-60 days ( see attached ) for the Department of Treasury to refund these over-payments. As of XX/XX/XXXX, it has been over 90 days and I have not received a response to my request for this refund which is approximately {$1700.00}. I would like CFPB to look into this matter to identify the problem and what needs to be resolved to refund these surplus payments to my account.
Product: Debt collection

I sent letters to XXXX, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Student loan

I applied for the XXXX XXXX XXXX XXXX form with Navient, the response they gave me was that I was not approved for the XXXX. After that I asked the representative what the reason of for this denial, his reply was " he could not give me an answer. '' Next, I asked him how much would ; I have to pay each month on the account, he then gave me an outrageous amount. I subsequently begin to say to him, I am XXXX and receiving social security benefits, and I do not get much money each month. Moreover, I would not be able to afford the amount that the company is asking me to pay ; his response was, were you XXXX when you took out the loan. '' I was so taken back by his responses, which left totally speechless, I said thanks and hung up the telephone. After having that conversation with Navient, I just let it go. Until about a year later when I tried to reapply for the XXXX  XXXX by having my physician fax the necessary medical documentation that was requested. However, I have not heard from Navient. In my opinion, whats the purpose of saying that students can apply for XXXX XXXX  XXXX if the company is not going to honor any documentation stating the fact that you are XXXX  XXXX and incapable of working? There is absolutely no talking to this company, they are rude and do not care if you are destitute and unable to pay your rent. In addition, I have not had any problems with my other students loan accepting me as being XXXX XXXX. 

I would have to get the documentations from my doctor.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
Product: Debt collection

On XX/XX/2020, I contacted the collection company and agreed to pay my debt. The account that was mine I paid in full {$1700.00}. Before paying myself and the collection agreed that if I paid the balance in full that they would remove the account from all 3 credit .bureaus within 30 days from the date I paid. Since then I have reached out to them and I also sent the paid in full letters to each of the credit bureaus and they still have not removed it from credit report. I am currently trying to purchase a home and this is hurting my chances tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters request validation and I never got any information validating this alleged debt.
Product: Debt collection

XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. 

I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX  XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Product: Debt collection

on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit
Product: Debt collection

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) BOND REQUIREMENT WITH TEXAS SECRETARY OF STATES FOR DEBT COLECTORS. 

According to Section 392.101 of the Texas Finance Code : - ( a ) A third-party debt collector or credit bureau may not engage in Debt Collection in the State of Texas unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this State as Prescribed by this section. 

The Bond must be in the amount of {$10000.00} ( XXXX XXXX Dollars ). 

On XX/XX/2022, I contacted Texas Secretary of State through its number XXXX to verify if American Express has an active surety Bond with Texas Secretary of State and was told by XXXX XXXX that American Express does not have an active surety Bond with Texas Secretary of States as such your company will be in violation of Section 392.101 of the Texas Finance Code if your company attempts to collect any debt within the State of Texas. 

Also, a search of Texas Secretary of State XXXX XXXX XXXX XXXX DID NOT return any active Bond information for American Express with Texas Secretary of States . I have attached result of my search to this complaint. 

* Please, kindly confirm if American Express has an active surety bond with Texas Secretary of State. 


Trying to collect an alleged debt without having an active surety bond with Texas Secretary of State IS A VIOLATION OF SECTION 392.101 OF THE TEXAS FINANCE CODE.
Product: Checking or savings account

My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted are listed below : Account : XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I have been contacting Experian, XXXX and XXXX for the last 3 years trying to get them to accurately report on my credit profile with little to no success. I have sent certified letters ; I have called into their office. They have deleted information and then put it right back on. They have added duplicate accounts and inquires and refused to delete them in under 2 years. I have contacted the CFPB on several occasions and they keep saying that they need more time to investigate but no information has been submitted in over a year. Currently Experian is blocking me from doing online disputes and the contact number provided on their website does not allow for me to speak to a live agent. XXXX has deleted all information on my profile except for my credit score which has not been updated since XX/XX/XXXX. This incorrect information has cost me thousands of dollars over the last 3 years due to their negligence. The companies have violated my rights and providing inaccurate information illegally without my written consent. 
XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX The following address do not belong to me. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX The Following Names are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following phone number is not mine : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have tried to cash a paycheck through ingo money and it got declined because they said I have a bad XXXX  report on my name ...