23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with wayfair. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later Wayfair hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to wayfair more than a year. They have now sold my account the second time to XXXXXXXX XXXX XXXX where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.
Product: Debt collection

I am confused on what has happen. I looked up the debt i have never lived anywhere other than the home i have been in for XXXXyears. So i am confused on how my information was attached to this.
Product: Mortgage

I purchased this house in XX/XX/XXXX. After this purchase my mortgage was sold a couple times. I fell behind in XX/XX/XXXX right after having a baby. XXXX to be exact. I received threatening calls and threats of foreclosure. I was told the only way to keep my home was to do a mortgage modification. And additionally pay extra each month to catch the XXXX I was behind. I did that. I paid the money back monthly. I also did the modification which proved to be a huge mistake. I only did it because I was made to feel like I had no other options. This agreement has me paying more in interest then the actual loan amount at payoff. I have reached out to Select Portfolio Servicing for years to fix this. How can you owe over what the loan amount is for payoff in interest. They refused to give me a amortization. My principal balance is XXXX The interest owed is XXXX This is a home I have lived in for 14 years with the purchase price of XXXX This company is predatory. This company takes advantage of families struggling. I was harassed until I agreed to a mortgage modification that I was not given the accurate details on. I am reaching out for assistance on this issue. Select portfolio has offered several more loan modifications that I have refused. I would like to see a investigation into how this company uses threats and tactics to trap homeowners under a sickening amount of interest and penaltys. I do have documentation to back up everything I have written.
Product: Credit card

I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.
Product: Credit card or prepaid card

XXXX XXXX sent me a card that I didn't request. I called them and they told me that a credit card had been opened in my name, but in Nevada ( I live in VA ). They said they used my SS #, birthdate, and address to get the card. They cancelled the card upon my request and prevented the card to be reported on my credit history. But then I received a debit card from Way2go in my name, which I didn't request. I have not been able to contact anyone about this b/c the number on the card doesn't offer an option to report fraudulent claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting

I previously had a XXXX XXXX credit card that went into collections. I declined to pay the card b/c there were fraudulent charges that both XXXX XXXX and the creditor refused to investigate. In addition, I was charged late fees even though there were no late payments and the balances, payment dates, and bill dates are all being shown inaccurately. XXXX XXXX removed this from my credit report but on XXXX/XXXX/XXXX XXXX XXXX reaged the debt effective XX/XX/XXXX even though the account has been outstanding since XX/XX/XXXX. XXXX XXXX is selling debt to XXXX XXXX and then in turn reage that debt to make it look more current that it really is. In addition, they are not resolving or investigating my dispute.
Product: Checking or savings account

On Friday XX/XX/2023 I deposited {$900.00} cash in the US Bank ATM on XXXX XXXX in XXXX California. I filed a dispute immediately inside the bank. The bank manager responded be stating I would be credited by the following business day. I have not yet been credited. I contacted US Bank customer service almost every day. At first they told me to check the next day, then they told it would be ten days before they would credit me. Then after ten days they told me it would be ten business days ( excluding weekends, and holidays ). Now they are telling me it could be up to 45 day before they credit my account. I am a XXXX XXXX, I needed that money to pay my bills and am afraid my utilities may be shut off please help. Thank you.
Product: Credit reporting or other personal consumer reports

Dear ; Consumer Financial Protection Bureau I have also contacted the Attorney General TX who said what the 3 Credit bureau have done to me is illegal & I wrote to the Ombudsman and now I am doing this complaint. 

Complaint against - TransUnion XXXX points Regarding - Paid off Loan my pledge loan paid it weekly never missed a payment and paid it completely off with XXXX XXXXXXXX XXXX 

I have attached below screenshots of my credit score dropping today XXXX points because I paid OFF my pledge loan at XXXX XXXXXXXX XXXX 
When you pay off a loan your score goes up NOT down! 
It says XXXXXXXX XXXX Account was closed, closing an account cant drop your score.. absolutely obserd! No one has a XXXX XXXXXXXX for their entire life span just so that their credit score doesnt go down. My XXXX XXXX account was full paid in full not closed for the XXXX of it! Please rectify your MISTAKE immediately and put my XXXX points back up and give me extra points for being a good girl and paying my XXXX XXXX XXXX off fully. Unbelievable you are absolutely on purpose being malicious to try and destroy lives of good people doing the right thing by paying their bank loan off, I am absolutely disgusted by the way you do things instead of patting the person on the back for paying their pledge loan off you drop their pointsmake that make any sense at all please????! 
Ridiculous I expect my credit to be immediately repaired by you or I am seeking Legal action against the credit bureau Who obviously intentionally want people to fail when they do good I find that absurd and absolutely disgusting. Not even a XXXX XXXX country would do this, Nor would a XXXX XXXX country treat good people that pay their bills on time and pay them off on time this way. If you look at my XXXX page, it is called XXXX I have over XXXXXXXX XXXX followers if this is not rectified, Im going live to my viewers, showing them all the proof and the information of how the credit bureau punish you when you pay off a loan dont come to America because they set you up for failure. How disgusting to say the lease, Im beyond disappointed. And the credit bureau should be embarrassed treating people this way!
Product: Credit reporting or other personal consumer reports

I was sent letters from all 3 credit bureaus stating there was nothing they can do until they receive identification from me drivers license, proof of address and social security card. These items I had included with my Identity Theft report. I have attached documents submitted to the credit bureaus.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Please accept this complaint as a formal notice that Experian is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Experian received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Experian with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by Experian, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported and account status of paid as agreed. This account should have NO negative payment history and they have not corrected the inaccuracy after being informed. The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to XXXX ( attachment C ). Experian is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report, is fraudulent and someone made fraudulent transactions using XXXX credit card account : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and im uploading this ) you can see THEIR own system says thats not true!!!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian Credit Agency for engaging in practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, Experian has : Falsely reported accounts on my credit report.

Failed to ensure the accuracy of information reported. 
Engaged in unfair practices by mishandling or improperly denying my disputes regarding inaccurate accounts. 

These actions have caused harm to my financial reputation and well-being, and they represent a direct violation of the FCRAs requirements for accuracy, fairness, and consumer protections in credit reporting. I request a thorough investigation into these violations and an immediate correction of the inaccuracies on my credit report.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing this formal complaint to address my PayPal account. I received a Personal Payment of {$250.00} from XXXX XXXX, after which I did not use my PayPal account. However, when I accessed my account on XX/XX/XXXX, I noticed that my balance was reduced to {$0.00}. Upon further investigation of my account activity, I discovered that PayPal has adjusted my balance due to the existence of additional PayPal accounts under my information that have negative balances. 

Furthermore, I noticed that PayPal had requested me to provide some information on XX/XX/XXXX, and someone has also submitted incorrect information to PayPal on my behalf. I am concerned that this situation indicates the unauthorized creation of accounts using my sensitive information. I can confirm that my identity has been stolen and is now being used to create additional PayPal accounts. I am open to providing valid identity documents and I am willing to cooperate with PayPal team to win this case and resolve the issues. 

Therefore, I am kindly requesting the PayPal teams assistance in addressing this matter. I would like to report the unauthorized account creation using my sensitive information and request that my balance and account be restored to their normal standing. Please help me in resolving this issue and prevent any further misuse of my information. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX
Product: Checking or savings account

TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.
Product: Checking or savings account

XX/XX/ I was charged overdraft fees due to some charges that hit my account. 
I contacted Truist in order to figure out how to avoid overdraft in the future and if I could set my card up where I did not get charged if I did not have any money in my account since I had shut down my business temporarily and did not have any money coming in. They instructed me to avoid charges to my debit card, to use the card controls feature, in which I can Lock my debit card from charges, which I did so on XXXX XXXX XXXX 

Truist fraudulently allowed merchants to continue to charge my account using the debit card that was locked. I was notified on XXXX XXXX XXXX via email that I had overdraft fees of {$72.00} ( {$36.00} dollars each ). I assumed that no charges would hit my account since XX/XX/, since my card was supposed to be locked via card controls. 

I was lied to by Truist employees that the only way to not be charged was to use the lock my debit card feature in card controls. If I would have known that it was going to be continually charged on my debit card, I would have just closed the account and waited until a later date to open another business bank account, since I was temporarily shutting down my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Debt collection

XX/XX/2020 i ended up in the hospital with XXXX. I was in and out for XXXX months. then went thru XXXX until XXXX XXXX while I was in the hospital having surgery and recovering. they started calling at XXXX and called EVERY hour until XXXX. I got so upset I was screaming into the phone to stop calling me. Doctors and nurses witnessed conn 's harassment of me. I have call logs to prove how many times they called. I explained to them in the first few calls what was going on and id contact them as soon as i got out of the hospital and was able to do so. they refused to allow me to heal while in the hospital and harassed me. at this point i believe i dont owe them a dime since they broke the law. i even told them to come get their items and be done with it and they told me they couldnt do that. then i get a letter in XX/XX/2020 stating they would take me to court which i'm still waiting on. i'm ready to get a lawyer since they just called me again XXXX days ago. i am done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and more companies and people was using my identity social security number date of birth to open bank accounts get unemployment working in my name.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and complaint against ChexSystems XXXX XXXX regarding the inclusion and continued reporting of inaccurate, fraudulent, and identity-theft-related information in my consumer file. 

Despite my prior dispute, ChexSystems has chosen to ignore material evidence of identity theft, and continues to maintain fraudulent information furnished by Bank XXXX XXXX under the following account details : XXXX XXXX XXXXXXXX XXXX # : XXXX / XXXX Closure Date : XX/XX/year> Closure Status : Suspected Fraud Activity Reported Name : XXXX XXXX XXXX Reported XXXX : XXXX XXXX Brownstone Way XXXX XXXX, IL XXXX This account, along with the associated personal information, does not belong to me. I have been a victim of identity theft, and this entry is the direct result of fraudulent activity beyond my control. ChexSystems reinvestigation, which claims this account was verified as accurate, is completely unacceptable, especially since no independent investigation appears to have been conducted only a XXXX acceptance of the furnishers word. 

ChexSystems has a legal obligation under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX to block and remove fraudulent information from consumer reports upon proper notification of identity theft. I hereby dispute the following : FRAUDULENT NAMES : XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These names and addresses do not belong to me and are evidence of fraudulent activity tied to the unauthorized use of my personal identifiers. Continuing to report this information after being informed it is the result of identity theft is a willful violation of the FCRA.