23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased two airplane tickets to XXXX for the amount of {$2000.00}, through PayPal. PayPal offered me payments without interest ( if the amount was paid in full before XX/XX/XXXX. XXXX ). It was never mentioned, that this offer was through a third party ( Synchrony Bank ). 
From the date of purchase, I made payments over the minimum amount required and more frequently. XXXX {$65.00}, XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00} : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$41.00} etc. 
All the payments are made to PayPal. Paypal did not apply the extra payments towards the airline tickets purchase, at the end of XXXX I had the same balance in my account ( XXXX and XXXX ) I called PayPal twice : PayPal answered : XXXX Nothing can be done ( I was supposed to be more specific about the amount to apply to each account which is not possible. 
XXXX Supervise : Synchrony Bank is responsible for this account. This is the phone number please call them. 
I called the bank twice 1st response nothing could be done, I requested a Supervise and she said. The only thing I can do is apply the last 2 months ' payments to your account, but the accumulated interest will be the same about {$300.00}. 
PayPal should have indicated the 3er. party it was included. 2-From the beginning PayPal should have been more specific about how to apply the payments. I am not ready to pay the interest requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to collect {$4000.00} on a debt that paid by insurance settlement and gap insurance. This is a XXXX account. No more money is owe. No 1099c
Product: Credit reporting or other personal consumer reports

XXXX has allowed for these company to report accounts that are not me from victim of both identity theft and XXXXXXXX XXXX  victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed
Product: Credit reporting

I Have opened multiple credit disputes with Equifax # XXXX, XXXX and XXXX and others for the creditor XXXX XXXX for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently XXXX. 
I am currently making payments thru XXXX in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX XXXX XXXX who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX XXXX, doctors, clinics or services rendered on the day I received service thru their emergency room or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my Equifax Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on Equifax for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead XXXX XXXX charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with Equifax after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX XXXX XXXX, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised Equifax of additional charges saying that balance Equifax reported on my report was wrong and the balance was then adjusted and Equifax allowed then to add more charges. Most recently, Equifax as of XXXX has allowed XXXX to report the same {$5200.00} for XXXX XXXX, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who XXXX XXXX was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX XXXX with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount.
Product: Checking or savings account

Hi i am using robinhood app for stock purchase form last 6 months. two days back robinhood did restrict my account. my account number is XXXX  XXXX i teied reaching them to unrestrict my account many times from last 4 days but they are not doing. i didi try calling customer care but they are also not helping and every day they are telling different dates. i have around XXXX in my robinhood account and it is on verge of loosing since they are not allowing to transfer to my accoutn nor they are allowing to but anything. please help as i am sole bread earner of family. i am getting suicide thoughts
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXX {$1100.00} DEPTEDXXXX XXXX {$3000.00}
Product: Debt collection

My Credit information compromised by XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I went out of town for the summer. I was gone from XXXX to literally end of XXXX. I came back to my identity being stolen. There have been accounts ( personal loans, bank fraud ) put in my name ( Im working with those fianc companies to delete ) but additionally, there are inquiries from each credit bureau. XXXX has updated my report but Equifax is still holding me responsible for this fraud which I dont feel is fair. Im already going through so much with loans being in put in my name, credit cards and etc. Now this credit bureau Equifax is saying the inquires have to stay on my record. Why would I be responsible for fraud someone else committed? This isnt fair. I need answers. I already contacted the FTC and I had attached a copy of that for their review but they arent willing to help me. Please ask them to delete these inquiries they are FRAUDULENT and are not MINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I placed a freeze on my credit reports with all three of the major credit report agencies ( XXXX, Experian and XXXX  ).  Since that time I have been going on the assumption that the freeze has remained in effect. However, a few days ago, I attended an appointment I had made with the XXXX XXXX XXXX XXXX for the purpose of getting financial advice. At one point, the representative who was assisting me asked if we could take a look at my credit report. I told them we could do that but that I would have to unfreeze the report. She said, " Well let 's first take a look. '' She then searched my name on her computer and to my shock and dismay, pulled up a copy of my credit report from Experian without my having done anything to " unfreeze '' it. We proceeded with the meeting but as soon as I got back home, I checked in with the Experian automated phone service and ascertained that my credit report was indeed still frozen. This event occurred on Tuesday XX/XX/XXXX. I am deeply disturbed by this and would like some explanation how Experian could have shared this information without my permission while my report is under freeze status. I am also concerned about whether the same kind of breech is possible with XXXX and XXXX. It seems evident that calling those companies and establishing that a freeze is still in effect does NOT assure me that the report is not being distributed given what I have just witnessed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX scammed me out of money. I have attached the dates and the amount of money sent to them. They refused to pay me back once I realized it was a scam. They promised me several times to refund all money sent but I never received anything. They blocked me and stopped communicating with me. They failed to provide services I paid for. Also, they committed Fraud by Deception. They had a breached our oral contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : RequesXXXX for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report.

The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within XXXX business days. 
In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Debt collection

To whom it may concern, I XXXX XXXX sole owner of landline for 6 years have requested my number XXXX to be removed from your system for XXXX XXXX on multiple occasions and you have failed to comply so I am formally putting my request in writing and have also left a complaint message with XXXX XXXX. I will also be filing formal complaint with the Federal Trade Commision. I requested your business address today from the female representative after I told her I have requested my number be removed multiple times and that this was my home number not that of XXXX XXXX and she told me I would have to find it myself and disconnected the call. You are harassing me and interrupting my work abilities. I have never done business with this company. 


Continental Currency Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Peeved, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed this inquiry, which I believe to be incorrect or unauthorized. I have no recollection of initiating any transaction or applying for any services with the listed creditors.
Product: Checking or savings account

On XX/XX/year> the unauthorized transactions began on my account. These unauthorized transactions were from the company cash app. These transactions were both credit and debit transactions. These transactions continued through XX/XX/year>. The sum of the transactions totaling {$5200.00} being taken from my account. During this time I had not logged in my account and seen these transactions or received a fraud alert from the bank. When I logged into my account and saw these transactions I immediately called the bank XX/XX/XXXX or XXXX. I made in unauthorized use claim explaining that I have never used cash app or linked my account to this company in any way or authorized or any transaction with them. I was given claim number # XXXX. I followed up XX/XX/XXXX and was told my claim was denied because it seems like whoever stole it knew my account balance I escalated the dispute. I followed up again XX/XX/XXXX after not hearing anything. I was told the escalation was still under review and I would be contacted and no more information was available. Since then I have still not heard anything from anyone. When I call they always say someone will contact me, but no one ever does.
Product: Credit card

I took out a micro loan with Possible Finance in the amount of {$250.00}. I set up autopay to withdraw payment every two weeks, however the backend stopped withdrawing money from my checking account and I was hit with a 60 days late payment because of it. I emailed the company to let them know of the issue and my urgency in making the timely payment, however, I never got a response until two weeks later. At that point it was already reported late. Please resolve this and remove these late payments that are NOT my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. 

Collection Account : XXXX XXXX XXXX this account was removed & now has been added back to my report.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and realized that American Honda Finance has reported a number of late payments on my credit report to the XXXX, XXXX and XXXX bureaus, which has me quite concerned and dismayed because it is affecting my personal life and my ability to obtain and build credit. 

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding a supposed transaction reported on my credit report provided by XXXX and XXXX, which has been incorrectly identified as a late payment on the account with number XXXX, corresponding to XX/XX/year>. 

I would like to bring to your attention the provisions in 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the entity furnishing the report. 

Given this, you do not have the legal right to report my transactions and experiences, as the law clearly states that this information is excluded from my credit reports. 

Additionally, the only way a creditor can report a payment as late is in accordance with 15 U.S.C. 1666b - Timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date. 

For any creditor to treat a payment as late, they must demonstrate that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered 21 days before the payment due date.
Product: Student loan

Nelnet is my student Loan Servicer. I've spent days and hours by phone trying to get my login updated so I can update payment info but no ANSWER!!! its telling me to call for access!!!!. No time estimate-No call back Service!!!!?

Unbelievable to think this is the financial company dealing with our loans.

I need a forbearance and have correspondence I need to see. Their message is telling me I don't have a valid email, yet Nelnet emails me information?

Neltnet obviously doesn't have the infrastructure to support this type of financial responsibility or demand for service. I'm already being reported negatively on credit for missed XXXX payments because I can not get through. Their website even says they cant handle the email volume. Should be illegal to report on consumer credit for them during this time when they can not service their customer 's needs.
Product: Student loan

BLUF : I settled my Navient private student loan account through a debt collector, but they are still reporting it as past due to the credit bureaus 2 months after the settlement payments were completed. 

My defaulted private loan was charged-off in XXXX XXXX. At some point later, a debt collector named " XXXX, XXXX XXXX XXXX XXXX, XXXX '' ( herein referred to as XXXX ) assumed collection activity on said defaulted loan. On XXXX XXXX, XXXX I entered a settlement agreement with XXXX on behalf of Navient XXXX XXXX XXXX for a 6 month payment plan that would settle my account in full for the reduced amount of {$17000.00} ( agreement attached ). The final payment was made towards this settlement agreement XXXX XXXX, XXXX and I received a letter from XXXX stating that my account was satisfied in full and there was no longer a balance due ( also attached ). 

All throughout the 6 months that I was making settlement payments, Navient was updating my credit reports showing the amount that I was paying. In XXXX XXXX, the month following the last settlement payment ( when the account is now settled in full ), Navient reported my account as unpaid and still showed a balance due. The balance was not updated to reflect the settlement, which should have made my balance {$0.00}, nor was there a mention of a settlement. Screenshots of these months and current reporting are attached. 

Come XXXX XXXX, XXXX full months after the settlement agreement was fulfilled, Navient reported my account as DELINQUENT to the credit bureaus and now shows a past due balance of {$290.00} ( the payment that my original loan had back from before it defaulted in XXXX ). XXXX shows my account under the NEGATIVE section as " reported 30 days past due '' and XXXX shows this account as " failed to pay ''. I could not check XXXX. 

I tried to contact Navient directly about this issue but their automated phone system bounced me to XXXX every time. I could not trick the system to allow me to speak to one of their customer service agents. XXXX was no help with this issue either and said that it is up to Navient to correct my credit reports.
Product: Credit reporting or other personal consumer reports

When checking my credit report I have noticed thaXXXX XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX XXXX  has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX XXXX XXXX  has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX  XXXX XXXX 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an issue with my Chime account. A few weeks ago, I reported that Chime was holding my funds. Since then, my account has been closed, and I am now experiencing difficulties ensuring that my funds are properly sent to the correct address. 

Due to my hearing impairment, I cant contact Chime via phone, and I do not wish to share personal information with the individuals at my current retirement home. Furthermore, I no longer reside in Missouri, and I want to ensure that my funds are sent to my current address at : XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Please assist me in resolving this matter and ensuring that my funds are sent to the above address. I appreciate any help you can provide in facilitating the proper transfer of my funds and addressing the issues with my account. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Hey I just looked at my credit report and I see that XXXX, Experian and XXXX is continuing to report inaccurate information on XXXX  account XXXX The date of activity is wrong across all three credit buraus. XXXX shows it as XX/XX/XXXX, Experian shows it as XX/XX/XXXX, XXXX shows it as XX/XX/XXXX. 

How can this be wrong if all 3 credit buraus get the same information from the same data furnisher? I demand to delete this inaccurate account from my credit file. According to FCRA, I have the right to have 100 % accurate credit file. I have sent letters to XXXX before telling them that this account is inaccurate and they still continue to report it inaccurately. That is willful non-compliance