23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vehicle XX/XX/XXXX from Drivetime ( Car Dealership ) and they are not reporting my pmt history to any of the XXXX credit bereaus because of a prior BK that was closed XX/XX/XXXX. I have since opened other accounts with other companies and they are all reporting. Im trying to rebuild my credit and they promised me that they report to all XXXX bereaus and they lied because THEY ARE NOT.. All i want is for them to report my history with them. Ive made every payment on time and want it shown on my credit reports
Product: Debt collection

On XXXX I received a notification from XXXX XXXX that I had {$210.00} of debt sent to the collection agency by XXXX XXXX I had close my account and open my XXXX XXXX XXXX account XX/XX/XXXX. When I logged into my XXXX, now XXXX account, It says I have 0 devices with this company and I do not have any open accounts with this company. I took screenshots for proof but this is my first and only derogatory mark on my credit and I have nothing to do with XXXX. This has affected my credit and my hopes to move into a new apartment with the little credit I have. I have contacted XXXX and they have not offered me any help other than debt collectors number. The debt collector, convergent outsourcing, has been harassing me with calls everyday multiple times a day and I cant get any help. I am a fresh graduate of XXXX  XXXX and I really need help with getting this debt off of my account. Thank you.
Product: Credit reporting, credit repair services, 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 : DPT EDXXXX : # XXXX, Account name : DPT ED/XXXX  : # XXXX, Account name : DPT ED/XXXX : # XXXX, Account name : DPT EDXXXX : # XXXX Account name : DPT EDXXXX : # XXXX Account name : XXXX  : # 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: Debt collection

AFTER RECEIVING A COPY OF MY CREDIT REPORT I NOTICED AN  ACCOUNT THAT HAS BEEN PUT INTO COLLECTION STATUS WHICH IS NOT MINE. THIS IS NOT MY ACCOUNT .I HAVE NEVER HAD AN ACCOOUNT WITH THIS CREDITOR. SOMEONE  MUST HAVE ILLEGALLY ACCESSED MY INFORMATION.

LVNV FUNDING LLC
C/O RESURGENT CAPITAL SERVICES 
PO XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went to the beach one time in XXXX and when swimming my phone and cards were stolen someone used them and racked up a large bill. Once noticed I took action and filed a dispute they cleared my account for a couple months then added everything back on. I tried again and they did the same thing. This card is discover. I live in a small island where we have limited stores since it was used in the same area as where I lived they are considering it not fraud but if there is only limited places to shop they can only go to certain places. Discover will not budge or help clear any charges
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the late open account and public record in my credit file. Despite our prior correspondence and my persistent efforts, it appears that the issue has not yet been resolved. 

As I have emphasized before, the presence of late open accounts on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to correct the late open or late closed account in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the correction process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. With this, I am asking for your assistance to remove the public record and correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who is Credco. Credco has not supplied the permissible permission to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.
Product: Credit reporting or other personal consumer reports

These Accounts : XXXX ) XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer report.
Product: Credit reporting

I have XXXX accounts on my credit report that is disputed with my credit dispute. I found many address on my account and several different names even a wrong social security number these accounts are n't recognized and standing in my way of getting my housing. 
these accounts are as stands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX files on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX date opened XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance of XXXX opened in XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in the amount in XXXX date opened XXXX please help me I have disputed all of these with the credit bureau Please let me know what the next step would be.
Product: Bank account or service

on XXXX XXXX, I called TD Bank of XXXX XXXX to cancel a check for {$4000.00}. i gave them the routing number for the check and check number. i explained that the check had been written out to XXXX XXXX and that I was stopping payment because i was no longer purchasing the house and needed them to stop payment immediately. The woman i spoke to confirmed that the check had been cancelled and i asked to pick up the receipt. 

two weeks later when checking that account, it was brought to our attention that they did not stop payment. when i called customer service for help, they stated that there was n't anything they could do and that they would have someone from the the plymouth meeting branch reach out to me within 24hrs. No one called within that time frame. After 48 hours, i called the same customer service number again and they reassured me that i would have someone contact me with in the hour from that branch. they never called. After that, we went into the branch and spoke to the exact woman who had supposedly cancelled the check in the first place. XXXX had me sign an affidavit and promised me that i would hear something within a few business days. its been 2 weeks and every time i call the branch, i get told that the manager is out and and that the assistant manager will return my phone call, but they dont return my calls. 

this branch lost {$4000.00} of my money and arent doing anything to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I check my report and saw a late payment. I never been late. Can you please update and make corrections.
Product: Checking or savings account

Got this notice from Ally on XX/XX/XXXX : Youve made 6 limited transactions from your XXXX XXXX  Savings Account this statement cycle. 
I immediately called Ally and told rep that all three withdrawals totaling over. {$21000.00} were fraudulent and that I did not authorize any withdrawals. Ally rep set up new account and said all the remaining balance was being transferred to it. The old account was still open on XX/XX/XXXX and I called Ally again and told them a {$10.00} deposit was made that day ( fishing ). Rep told me Ally was handling under their Dispute Number XXXX. Rep also said it could 10 days before a decision was made and that he could not determine if my personal info been stolen. Requested that all the fraudulent charges be immediately credited back to my account and advice whether or not my personal info was stolen. 

I called on XX/XX/XXXX. XXXX said it could take up to 60 days for them to finish their investigation. Said to refer to : Reference Number XXXX Only one fraudulent transaction for {$5700.00} has been credited back to my account. The other two fraudulent charges totaling {$15000.00} are shown as Prov Credit for Dispute. I should not have to wait to get my money back. ALLYS POOR SECURITY CAUSED ALL THIS!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.
Product: Credit reporting or other personal consumer reports

Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record. 

Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported in XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed 15 days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My account started to be in default XX/XX/2023. I was wrongly referred for foreclosure while I tried to seek foreclosure alternatives options- apply for HAF assistance, XXXX, and loan modifications, including submitting appeals. 
While working on these applications I was also simultaneously working hard to raise the funds to reinstate the loan based on monthly statements I was receiving from the servicer. I was eventually approved for {$7000.00} from the XXXX XXXX program in XX/XX/2023. This state program collected a full mortgage payment for XX/XX/2023 ( {$21000.00} ) as part of their terms to approve me of the foreclosure relief program and sent it to the servicer ( {$7000.00} came from XXXX and {$14.00}, XXXX was my own portion ). The servicer ( for an extended period of time ) held my portion of the checks without processing it, and refused my own payment to cure the loan to bring it current. 

The servicer returned my portion of the funds ( {$14000.00} ), but kept the state funds ( {$7000.00}, XXXX  Assistance ) and maintains I am still on track for foreclosure and that I can not cure the loan without " foreclosure '' fees they want to add. 

I will note I was approved ( XX/XX/2023 ) for a loan modification that I can not afford at this time. I just want to be able to cure the loan at this point. I can not afford the extra fees they are tacking on as they shouldn't have even referred the file for foreclosure. I believe the servicer is committing " dual tracking '' practices and that's why these extra fees are due preventing me from being able to cure and fully reinstate the loan at this time.
Product: Money transfer, virtual currency, or money service

On monday XXXX my friend sent me money PayPal refused to tranfer the money into my bank account until friday XXXX. Meanwhile at the same time PayPal refused and limited my ability to pay invoices and send people money with my credit card. I have been out of work for weeks and most of the people I know have been too. So through my credit card is the only means I have at this time. 

On sunday XXXX I attempted to make purchases on XXXX  with my credit card and was denied. I was told by XXXX website I must use paypal to make these purchases on XXXX. Even though the XXXX   listings accept credit card payments. I contacted XXXX  and tell my credit company has already approved me for XXXX in purchases on XXXX. The XXXX  representative tells me that PayPal handles the purchases on XXXX. 

PayPal is restricting me from using their services and PayPal is estricting me from using XXXX   services as well. What's next can PayPal restrict my bank service? This is ridiculous!!!!! Anyone with any decency would understand the people are going through hard times now and PayPal should not be allowed to do this. 

PayPal at first claimed they were concerned that this was fraud. Someone else may be using my account. So I sent them a copy of my driver 's license and my most recent credit card statement. After they saw who I was then the story changed to I must be up to something illegal. I believe this to be because I am XXXX. PayPal also violated my friends right to privacy by disclosing a piece of her account information.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer for {$6000.00} from XXXX to Binance.us on XX/XX/21. Their website states that it takes XXXX days XXXX for a wire transfer to clear. The funds were immediately taken from my XXXX account on XX/XX/21 and still haven't been made available on XXXX XXXX XX/XX/21 XXXX. 

I've tried to contact XXXX  on a daily basis, only to be sent automated messages by their nonexistent customer service department.
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter from Chase stating they had issued a credit of {$210.00} for a dispute filed with a charge from the XXXX XXXX on XX/XX/XXXX for {$210.00}. The letter further went on to state onXX/XX/XXXX the merchant provided a credit of {$210.00} and that they believed the credit to be a duplicate and thus reversed their original credit. I originally called into the Chase dispute customer service line to notify them the credit and disputed charge was not related. Chase requested I send in a letter requesting this dispute be re-opened stating this. As requested on XX/XX/XXXX I submitted a letter to chase with the return receipt which should have been issued a credit from XXXX XXXX but was not, as well as the receipt for second credit issued by the XXXX XXXX proving these were two separate transactions. As of a letter dated XX/XX/XXXX in response to a CFPB complaint, Chase still has yet to review or reply to the letter detailing the difference in the two transactions detailed in my letter and has failed to investigate my dispute or issue a credit for the disputed transaction. Thus they have violated the Fair Billing Practices Act.
Product: Debt collection

My Identity was breached and Synchrony Bank/ Chevron gave a credit card to a person unknown to me, who charged the card and then did not pay. 

I have provided the company with all information, including police report and they are still asking me to pay the money and showing, that I owe them This is resulting in my negative impact on my Credit score Please help The Bank phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the 2020 pandemic I was in the hospital due to XXXX and Capital One advised me that they would not report my account late past due 30 days due to my circumstances. Ive reached out to them they told me to dispute it with the credit bureau and that should change my payment history due to the law of being able to be forgiving during the pandemic. 

Under The CARES Act, which was signed into law on March 27, 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Product: Credit card or prepaid card

I purchased 2 flights through XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX and XXXX. {$13000.00} Paid and no refund. 

I performed a XXXX  complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX 's executive team via a XXXX and DOT complaint. The refund was not only sent to Paypal, but it was sent with a confirmed refund number and Paypal is either deliberately lying to the CFPB or isn't actually researching the information. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6700.00} refunded through PayPal XXXX XXXX. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6600.00} refunded through PayPal XXXX XXXX.