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

I was informed of a state tax lien that I was unaware of by requesting my annual credit report this yearXX/XX/XXXX and it was on my report. This amount was paid off last year in XXXX by installment agreement after I voluntarily went to the Internal Revenue Service here in XXXX, MS and set up installment payments, completely unaware that a lien had been filed. To my understanding a lien is placed 60 days after yearly taxes are filed, and at that time my monthly bills and the fact that I was hospitalized and had to have XXXX, I was totally unable to immediately pay the full amount of {$1100.00}. However upon becoming well after my illness and financially able, I paid the installment agreement unwavering from what was agreed after I went in and set it up. Recently after finding this damaging public record on my credit file, I immediately took action, submitting disputes, sending proper documentation ( the lien cancellation letter ), goodwill letters, and a copy of the webpage regarding state tax liens from the XXXX XXXX XXXX for the State of Mississippi ( stating that once a state lien is paid it CAN be removed from credit reports ), to each credit bureau in hopes that they would have compassion for my situation. So far only one bureau did, XXXX ... It is still under investigation with XXXX. After going back and fourth with the IRS and the Credit Bureaus, the IRS says that they have anything to do with giving this information to the credit bureaus, that the bureaus ' information comes from third parties and publicly recorded information, and the credit bureaus say they get the information from the IRS. I am trying hard to rebuild my credit due to my medical bills I incurred from my ongoing illness, and I have been successfully doing so. I am working diligently so that I can obtain a home loan, after all ... I can not be homeless and continue to pay my bills, I know this is common practice for the Equifax bureau, but their heedless decision is negatively effecting not just my credit, but an important milestone in the security of my life. I am being punished for something that, not only was I unaware of ( I 've never had a lien before and never was notified ), but that I paid off as agreed! All I am asking for is a little humanity. I paid my debt why am I still being penalized? Not only that, but several of the things that I am doing to rebuild my credit have not even been reported on the file that Equifax has for me ... like that fact that I now have a revolving credit card account. However, they receive this private personal information from an unauthorized THIRD PARTY ( NOT THE IRS OR THE COURT RECORDER OF DEEDS, LIKE THEY CLAIM ON MY REPORT ) and immediately place it on my report. Lastly, I have actually read different accounts from people who have had a lien record removed by Equifax, by doing exactly what I did, and I ca n't help but wonder is there some form of discrimination being displayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Filed all disputes and showed proof of refund for them as well dispute denied same day I will be resubmitting my dispute for this as this is ridiculous and I am owed the refund for these transactions and a proper investigation into my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home mortgage with XXXX XXXX XXXX in XX/XX/XXXX. Within a couple of weeks of closing I received a notice from XXXX XXXX informing me that my loan was sold to XXXX XXXX and that my first payment and all subsequent payments would go to XXXX. Ive proceeded to send monthly payments to XXXX ever since. ( please see attached XXXX   mortgage payment history ) When I applied to XXXX XXXX   XXXX in XXXX, XXXX, I was surprised to discover there was a late payment on my credit report from XXXX XXXX for XX/XX/XXXX. Based on the information stated above this was obviously an error. It was not possible to have a late payment to XXXX XXXX   since, per their instructions, I was not required to make any payment to them since my loan was transferred to XXXX in XXXX, XXXX. 

I called XXXX XXXX  and requested a correction of this error. They agreed and forwarded to me a copy of the letter they submitted to the credit bureaus. Unfortunately the date they reported in their letter dated XX/XX/XXXX ( attached ) was not correct. They requested removal of a late payment for XX/XX/XXXX instead of the actual reported late payment of XXXX, XXXX on the credit report. When I brought this to their attention they were sorry for the confusion and said they would make the correction and instruct the credit bureaus to remove this error from my credit report. The new letter they sent to correct the error in XXXX ( attached ) inexplicably triggered one of the bureaus ( Equifax ) to add, rather than delete, two late payments for XX/XX/XXXX and XX/XX/XXXX, that are now showing up as two new late payments on my credit report which makes no sense since my mortgage account with XXXX XXXX has been closed for well over a year. XXXX  and XXXX detected this obvious error and, according to XXXX XXXX credit servicing bureau Factual Data only Equifax has still not corrected the error. On XX/XX/XXXX I called Equifax and spoke with a supervisor who told me that this erroneous derogatory had already been deleted ( Equifax Customer Service ticket # XXXX ). Despite every effort to get this issue resolved over the past two+ months it appears this has still not been corrected. I feel Ive exhausted every possible avenue to get this corrected and will keep trying to resolve with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Debt collection

There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! 

REFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. XXXX
Product: Credit card

This complaint is about two transactions for {$170.00} each on XX/XX/XXXX and XX/XX/XXXX from Apple for a 6 month subscription to the XXXXXXXX XXXX 
The XXXX XXXX  stopped working and XXXX banned my account after I made a complaint to the XXXX XXXX XXXX  XXXX  support staff also did not resolve the issue even though someone promised to reply back to my message and never did. 
Apple did issue a credit for the transaction on XX/XX/XXXX but refused to issue a credit for the transaction on XX/XX/XXXX. 
Goldman Sachs Bank closed my dispute because they made a mistake and claimed I received a credit for the transaction on XX/XX/XXXX even though I disputed the transaction on XX/XX/XXXX which I did not receive a credit for.
Product: Mortgage

I have already written to you to dispute with Citi Bank, but they are not listening! They turned around with a ridiculous response and unless they fix this, I will sue over errors and misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.
Product: Debt collection

Hi! I had a membership to a fitness club back in XXXX of 2017. I called to cancel the membership on before XX/XX/2017 so that they would not continue to charge my credit card. When they charged me again on XX/XX/XXXX, I spoke to the manager XXXX. I explained to him that I was calling to cancel membership ( again ) because I was visiting out of state family. 

I never heard anything more so I did not foresee a problem. 

Today I received an email from a credit agency trying to collect {$220.00} from me. I called them but they insist I owe this money. 

This fitness center went out of business so there is no one to contact at the fitness club. 

I do not owe this money. This membership was cancelled and they are trying to collect money NOT owed. This was a month to month gym. There was no yearly contract. 

This credit agency is ruining people 's credit. The easiest thing would be for me to pay but this is not right. How many other people are they doing this to. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor, XXXX XXXX XXXX, took possession of my vehicle in early XX/XX/XXXX, despite me being ahead of my payment schedule. When I called the company, they stated an error had been made, and returned the vehicle to my possession. Shortly after the company towed my car without cause, the transmission failed, due to the tow operators treatment of the vehicle. In early XX/XX/XXXX, I called the company, requesting them to take the vehicle back. At the time, they informed me the repossession would appear on my credit, which I understood. At the time I returned the car, my payments were up to date. 

Starting in XXXX of XXXX, the creditor started reporting a delinquent balance of {$5700.00} and have continued reporting that outstanding balance each month. The information on my XXXX Report has been updated correctly, however, both Equifax and XXXX continue to reflect the account in 90+ days overdue status every month. Since the day I called the creditor to take back the car, I have not had any communications regarding the balance owed on the vehicle, any value the company was able to recover, or any deficiency balance owed to the creditor by mail or by phone.
Product: Credit reporting or other personal consumer reports

On several occasions, XXXX XXXX XXXX was asked to correct several errors they reported on my credit file. During the XXXX outbreak, my wife asked XXXX to adjust her account as other companies did ; XXXX refused to make any concessions. XXXX affected the world, but XXXX refused to work with her, nor could we ever use their facilities as they promised. XXXX instructed my wife that she could sell the timeshare if unhappy. 
As a XXXX veteran, I found myself in a particularly challenging situation during the XXXX outbreak, and the doctor removed me from the workforce. Unable to work, I, like many others, sought relief from financial obligations. My wife, too, requested XXXX to adjust her account during this difficult time. Despite filing all the necessary paperwork for a hardship payment, XXXX did not offer any assistance, unlike our mortgage company. 
Therefore, my wife asked XXXX to sell the timeshare. XXXX stated she could not sell it, and they refused to work with her during XXXX. XXXX received millions of dollars in XXXX, yet they would not grant my wife any relief during XXXX. XXXX foreclosed on the timeshare, and they repurchased it supposedly for {$100.00}. XXXX then reported the property, which was my wife 's primary and I was only secondary. However, XXXX refused to report this account as it was listed, and they are reporting this account to the Credit Bureau as XXXX separate individual accounts. I have disputed this with them several times, and they have refused to correct it. They also pulled several credit checks on my credit file without my permission.
Product: Debt collection

XX/XX/2024 XXXX I spoke with the representative calling from Regional Finance and told them to stop calling me at work, that they were going to get me into trouble with my boss. 

XX/XX/2024 XXXX Again I spoke with the representative calling from Regional Finance and told them again to stop calling me at work, that I was going to get in trouble with my boss and that they have been harassing me with multiple daily phone calls every day of the week.
Product: Credit reporting or other personal consumer reports

I've discovered inaccuracies on my credit report, in accordance with 15 USC 16c-2. I believe this information is incorrect and harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15usc1666b timing of payment states 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 information required by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 
None of this was honored when I tried to dispute late payments for XXXX, XXXX XXXX, and Grain Technology. 
I disputed it several times and they keep saying it's verified. I asked how did they verify it, but they just sent a bill layout. If it's not to be reported then it should be removed ASAP Also according to 15usc1681b no permissible purpose to place on the report. Breaking the privacy law as well. 
pursuant to 15usc1681a2a ( i ) it is excluded from a consumer report .... Transactions and experiences between the consumer and the person creating the report. 
All of these violations are due remedy for damaging my report of {$1000.00} each violation.
Product: Debt collection

Dynamic Recovery Solutions has called me repeatedly for more than a year. They have recently increased the frequency of their calls and the intensity of their messages. 

My response has been the same with each phone call : " I am not the 'XXXX ' you are looking for. Please delete my number from your records. '' They agree each time to remove my number and then another person calls the next day. 

I have repeatedly blocked their number and they just call from different numbers.
Product: Money transfer, virtual currency, or money service

I received {$200.00} on XX/XX/XXXX to my CashApp. I sent this money to my account on XX/XX/XXXX. I discovered at XXXX on XX/XX/XXXX that CA sent the money to XXXX XXXX. That account was closed in XX/XX/2024. There is nothing in the app to show where any money is going. I changed my banking info when I opened a new account at XXXX in XX/XX/2024. So, when I send money via CashApp, it comes from XXXX. That means when I send money back to my account, it should go to XXXX. Cashapp sent it to XXXX for no reason. 

Ironically, when I tried to send {$40.00} back to my XXXX account, it was declined and returned at XXXX on XX/XX/XXXX. So the {$40.00} came back but the {$200.00} has disappeared and Cashapp was the vehicle BOTH times. The {$200.00} is missing and the {$40.00} is inaccessible. Cashapp has done nothing to help. They will not confirm what bank money gets sent to. They will not answer the corporate phone number. They will not answer any question I have on XXXX and I am very certain they are just using AI because they don't want to deal with people. 

When I send money to someone on the app, it clearly says that it is coming from XXXX XXXX. But when I send money back to my account, there is no bank listed. I have checked every single setting and menu option and *NO WHERE* is XXXX XXXX listed .
Product: Credit card

XX/XX/XXXX Attention : Executive Team Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Subject : Urgent Resolution Needed for Equal Pay Promotion Discrepancy - Account Ending in XXXX Dear Chase Executive Team, I am writing to express my extreme disappointment and frustration regarding the mishandling of my Equal Pay promotion on my XXXX XXXX  XXXX XXXX XXXX account ending in XXXX. I have been a loyal Chase cardholder for over a decade, spending thousands of dollars on my Chase cards and consistently paying my balances on time. I am appalled by the lack of respect and value I have received as a long-standing customer. 

On XX/XX/XXXX, I made qualifying purchases totaling {$360.00} on XXXX, utilizing the Equal Pay promotion, which offered 0 % APR for 12 months with a monthly payment of {$30.00}. My XXXX statement, however, shows a minimum payment due of {$65.00}, and an incorrect remaining balance on the Equal Pay promotion. 

Despite making payments exceeding the required amount for the Equal Pay promotion in XXXX, my account reflects an inaccurate balance and an inflated minimum payment. This is unacceptable and a clear breach of the agreement I entered when I utilized the Equal Pay promotion. 

I demand immediate correction of the following : Equal Pay Promotion Balance : The remaining balance should be adjusted to {$320.00}, reflecting the accurate amount owed after my XXXX payments. 
Minimum Payment : The minimum payment should be recalculated based on the corrected Equal Pay promotion balance. 
I will continue to make monthly payments of {$35.00}, exceeding the required {$30.00}, until the balance is paid in full. I refuse to pay the erroneously inflated minimum payment of {$65.00}. 

If this matter is not resolved promptly and to my satisfaction, I will not be responsible for any interest charges accrued due to this error. I will also be forced to consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore my options.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I purchased a XXXX 100 oz silver bar in the amount of {$1900.00}. My purchase was paid with PAYPAL Credit account. I received the silver bar on XX/XX/2020. While inspecting my purchase there were defects with the silver bar. The silver bar had dents and scratches on the metal. I contacted PAYPAL.COM and was directed to contact the merchant, XXXX, first. I opened a complaint/dispute with PAYPAL.COM, at their direction, until I resolve my transaction with the merchant. PAYPAL.COM placed a temporary credit for the amount, {$1900.00}, until resolve my transaction with the merchant. 
On XX/XX/2020, I contacted XXXX, and informed them about the condition of the metal. I informed that I would like to return the metal. 
Thereafter, XXXX sent me a XXXX PREPAID return label vial email. Their executive company is located in XXXX, Texas. Their Vault/Warehouse, where the metals are stored, at their fulfillment Center is XXXX XXXX. I went to a XXXX  on XX/XX/2020 with the package, and was informed that it would be received by the merchant by XX/XX/2020. I received confirmation that the it was received. Thereafter, XXXX refunded my PAYPAL CREDIT ACCOUNT for the amount of the of {$1900.00}, the purchased amount on XX/XX/2020. 
I contacted PAYPAL.COM, which is different from PAYPAL CREDIT, that the refund was placed on my credit account. 
I have been contacting PAYPAL.COM, informing them that my refund was applied to my PAYPAL CREDIT. PAYPAL.COM is not acknowledging all the documents of receipt I have sent them. They state that the merchant stated that I did not return the package and the the merchant did not provide the refund, which they did. I have sent all documents from the merchant, XXXX of their receipt and PAYPAL CREDIT that indeed merchant refunded me the credit. 
This has been going on with PAYPAL.COM for the last 2 months and they want me to pay the {$1900.00} to my PAYPAL.COM which they are not credit account just an online service. 
I will attach the documents that I have provided to PAYPAL.COM confirming my return and refund provided by XXXX to my my PAYPAL CREDIT. 
I feel that PAYPAL.COM is giving me unnecessary stress. I am retired, and can not afford to loose money that belongs to me. 
Thank you for your assistance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with a banking company- they provided me an account number on the day I opened the account XX/XX/XXXX and on XX/XX/XXXX they sent an email stating that they are closing the account. Per 15 U.S.C. 1681 - The banking system is dependent upon fair and accurate credit reporting. This bank did not perform this.