23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear CFPB, This complaint is regarding PayPal case XXXX XXXX I had used PayPal to place an order with XXXX in XX/XX/2023. I had returned all items in 3 packages to XXXX. XXXX tracking and weight data shows, all items were returned. However, XXXX staff seems to have missed scanning one of the items. I called them many times, they have been saying they did not get 1 item. I asked XXXX to explain correct weight data reported by XXXX, they are not willing or able to explain the weight matching. I can not even steal this item because it needs online live internet account activation. I have shared all my proof with Paypal. I also showed Paypal that I have bought a new replacement item from XXXX. I even researched XXXX  reviews and found many examples of similar mistake by XXXX of not scanning returns. Paypal has suggested they may side with XXXX because of their volume of business. This will be clear conflict of interest. I am not authorizing Paypal to pay XXXX.
Product: Checking or savings account

I recently pull my XXXX XXXX consumer report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting early warnings i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. so they told me to dispute all the fraudulent accounts before I can open a account with them.
Product: Payday loan, title loan, or personal loan

I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ).

The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied.

The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violation my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card as open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have a VENMO Debit Card and they had an offer if I made a purchase at XXXX or in the store I would get a {$20.00} statement credit. This charge was made on XX/XX/15 and I have yet to receive the $ @ XXXX statement credit. I have emailed them any times and get a different answer each time with no path to resolution.
Product: Mortgage

Good afternoon. My mother and I refinanced her home with XXXX mortgage in XXXX of XXXX. The purpose of the refinance was to put my name on the loan and take over payments for her so she can free up her income for her retirement, The loan servicer was changed from XXXX to Ameri Home Mortgage in XXXX of XXXX. I received an email from XXXX about this change so on XX/XX/XXXX, I went to the Ameri Home Mortgage website and made XXXX mortgage payment, stored my bank account information, and set up Auto-pay. Under the assumption that XXXX ( second payment ) was on auto draft. I checked my credit on XXXX website a few days ago and there was a late payment notice by Ameri Home Mortgage that dropped my score by XXXX points. XXXX score from XXXX to XXXX!! It was clear that an auto draft was never made for XXXX. I was puzzled that there was no attempt to alert me via phone, email, or paper mail about a late XXXX payment. Immediately, I went online and submitted payments for XXXX, XXXX, and XXXX XXXX payments. I promptly called Ameri home Mortgage and spoke to a mortgage representative who could not help with the audit trail of the Autopay set up I did in XXXX of XXXX, but she did say there is a 90-day grace period when loans change servicers. She transferred me to Customer Service Department who she thought would be better suited to help with my Credit Bureau reporting dispute. I reiterated the entire scenario but was then put on hold and cut off. This credit impact during the transition stages of a new loan and change of mortgage servicing agent can affect my credit lines for my business.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit card or prepaid card

XX/XX/2019 I contacted J P Morgan Chase Credit Card Services Requesting Chase Letters confirming my two credit cards ( Amazon and XXXX accounts ) were closed and charged off. The two Chase credit card Representatives refused my Request of Chase Bank written confirmation letters of Card Closures and charge offs and written balance of each of the two accounts. 

I need these letters for a US Federal court action to prove ill reparable financial harm against me committed by another party. This case is in the XXXX XXXX Circuit Court of Appeals awaiting Appointment of an Attorney for myself. 

I find my legal request of accommodation most disturbing while at the same Chase demands full payment.
Product: Debt collection

I began to receive emails from XXXX XXXX at True Accord working on behalf of XXXX XXXX XXXX. The first email was in XXXX 2022 and I received another on XX/XX/2022. The mail states that I owe {$1900.00} XXXX XXXX ( XXXX XXXX ). I have not 5aken any action because this can not be legit. I've never have any services with XXXX or XXXX XXXX. I've never even heard of this company. This companies location are in New York and New Jersey. I reside no where near those locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX  {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I closed my account in the summer but Citi keeps re-opening it and applying fees for insufficient funds.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge card with Victorias Secret through Comenity Bank. Their online portal was very antiquated and often crashed prior to XXXX XXXX  when they made major changes to the site and the VS app. XX/XX/2023 I made a payment via my checking and routing directly from my bank account. The payment didnt go through due to on error on the Comenity site. I called in and paid the debt the same month. I am now being told that the debt was reported as returned and I take issue with that because it was due to the Comenity Bank site not accepting my bank information ; today it still says theres an issue with my account/routing number on the website and Ive paid with the same card/bank account since I was approved for this account. I am now unable to use the card until I pay the debt off completely, which is unfair because the debt was paid and as a CA consumer I was never notified my card was being closed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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
Product: Debt collection

Portfolio Recovery XXXX Sent me an alleged debt collection Letter on XX/XX/2021. 

Did not provide proof of sale for the alleged debt or chain of the assignment. Only stated they bought the alleged debt. I would need to pay the alleged debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 60 days to be removed. 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 XXXX XXXX XXXX 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! Delete the late payments from my consumer reports XXXX
Product: Debt collection

Today I called and they couldn't provide me with the original consumer agreement. I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute : U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease further communications with the consumer. 
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance.
Product: Debt collection

I am writing to formally dispute the accuracy and validity of a debt reported by National Credit Systems , Inc., acting on behalf of XXXX XXXX XXXX. I disputed the validity with XXXX and XXXX but the debt was validated despite wrong documentation from this creditor. I have requested and received documentation from National Credit Systems , Inc . However, the information provided includes conflicting details and lacks the legally binding documentation necessary to substantiate the claim.

Reasons for Dispute : The documentation submitted by National Credit Systems , Inc. fails to meet standard validation criteria due to the following issues : 1- Inconsistent Account Information : The records provided show discrepancies in the balance claimed, with conflicting amounts, wrong name, and reference to an incorrect apartment unit number. These inconsistencies raise serious questions about the accuracy and validity of the debt and record keeping practices.

2- Lack of Legally Binding Documentation : The provided invoice and summary letter do not constitute adequate proof of debt, as they lack my signature or other legally binding evidence of my contractual obligations.

To ensure the accuracy and legitimacy of this reported debt due to the inconsistent documentation, I respectfully request that CFPB require National Credit Systems , Inc. to provide the following : A- Original Signed Lease Agreement or Certified Copy : A complete, signed copy of the original lease agreement, clearly indicating my legal obligations as they relate to the alleged debt.

B- Full Payment Ledger : A comprehensive ledger of payments and charges, supported by original documentation, accurately reflecting the claimed balance.

C- Notice of Lease Termination or Relevant Signed Agreement : Any formal signed notice regarding the terms of my lease termination Invoices or generic account statements alone are insufficient, as they do not substantiate my legal obligation to pay, and may be generated by anyone without confirming my formal agreement or acknowledgment.

Given the inconsistencies and lack of proper documentation provided thus far, I request that CFPB carefully review this matter and, if National Credit Systems , Inc. can not furnish the requested documentation, remove the debt from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and am available to provide any further information necessary to resolve this dispute.
Product: Credit card or prepaid card

Bank of America does not show the actual balance in full on its app. This is deliberate, to keep people from paying off the balance and avoid interest charges. I thought I paid off my balance, but there was actually interest. When I called to complain, I was told that the actual balance is XXXX XXXX  more than what is shown on the app. This is highly deceptive and in my opinion fraudulent.
Product: Mortgage

I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX not mine US DEPT OF EDXXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC  XXXX not mine
Product: Mortgage

On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a 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: Credit reporting or other personal consumer reports

Someone stolen my personal information and used without my permission some family take my information and get auto loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX