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

On XX/XX/, I made an online purchase of {$170.00} at XXXX ( order # XXXX ). I used PayPal at checkout and paid with my XXXXXXXX XXXX credit card. 
Since I was not satisfied with the product, I returned the item back to the XXXXXXXX warehouse on XX/XX/. The item was delivered to the warehouse on XX/XX/ ( tracking # XXXX ). 
I haven't received my refund within the timeframe I was promised ( According to the XXXX policies, a refund is supposed to be issued within 48 hours after the item is delivered to the warehouse ). So I issued a dispute through XXXX XXXX  on XX/XX/XXXX  ( dispute case # XXXX ). My request for the dispute was accepted immediately and I received a chargeback of {$170.00}. 
On XX/XX/, I received an email from PayPal regarding the dispute. According to this email, PayPal received notice that I disputed the transaction with XXXXXXXX XXXX ( PayPal case ID : XXXX ) . This email also meant that it took 6 days for PayPal to receive a notice from XXXXXXXX XXXX  and open a dispute case on my PayPal account. 
On XX/XX/, I received an email from XXXX. I was told that XXXX tried to issue a refund, but they found out about the dispute. In order for me to receive the refund, I was instructed to close the dispute. I went ahead and contacted XXXXXXXX XXXX to close the dispute the same day. The dispute was closed and a chargeback of {$170.00} was added to my credit card. 
However, although I closed the dispute on my credit card, I still haven't received a refund from XXXX. I contacted XXXX about this issue. I was told that the dispute was still open on my PayPal account. So I went to my PayPal account and submitted a request to close the dispute on XX/XX/. The customer service at PayPal told me that they kept the dispute case open because XXXXXXXX XXXX has not notified them about the closure of this case. 
Since XX/XX/, I have contacted both XXXXXXXX XXXX and PayPal about this issue several times. While PayPal is claiming that they haven't been notified about the closure of the dispute, XXXXXXXX XXXX keeps assuring me that they have notified PayPal. Considering that PayPal was able to receive the notification of this dispute in the first place, I believe that XXXX XXXX  notified PayPal about the closure of the dispute. My multiple attempts at providing evidence ( i.e., the email I received from XXXX XXXX  about the closure of the dispute ) to PayPal have been directed to their department investigating this case, but there haven't been any improvements for almost a month now. And since PayPal is not closing the dispute, XXXX is not issuing a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off an account with XXXX XXXX   through their collections agency XXXX XXXX XXXX, XXXX in the amount of {$250.00}. On multiple occasions for the last 7-8 months I have attempted contacting XXXX XXXX and have submitted multiple disputes through all three major credit bureaus to have my account updated properly to note that the account was in fact paid. On XX/XX/XXXX a complaint was submitted through CFPB for this exact issue and on XX/XX/XXXX a response from the company specifically XXXX XXXX advising that the account would be updated for any errors. As of today XX/XX/XXXX the account still has yet to reflect being PAID. This causes many issues with potential future loans as other creditors see the XXXX XXXX account as an unpaid charge off which is in accurate. It is absolutely absurd to go through this much effort to have one single word added to an account. The next step I make will be with a Collections Attorney if this issue is not fixed and my account is not ACCURATELY updated. I left feedback on the previous dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ). So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.
Product: Money transfer, virtual currency, or money service

I purchased a service from a business owner in which I did not receive the service and the business owner stopped responding. I paid through cash app and they did not want to correct the issue and return the funds being I paid the business owner directly. They insisted I try to request the funds back from the business that was not responding. They did not investigate the individuals account or they likely would have see that it was fraud. I paid {$300.00} for a service and never received that service hence why I tried to dispute it.
Product: Checking or savings account

Back on XXXXXXXX XXXX XXXX my car was stolen along with everything in it ( car keys, house keys, license, registration ect ). This also included my phone. The person who robbed me wiped out my bank account leaving me with only XXXX cents. I contacted my bank ( Chase ) who was able to give me part of my money back but states the other part they are unable to detect fraud. I have been back and forth with Chase for almost two months concerning my {$730.00}.
Product: Credit reporting

This is an additional, and new complaint regarding Equifax 's records being incomplete, and then inaccurate tradeline. 

I attest that I am XXXX XXXX, and the owner of this account, and all verbiage communicated through this portal. 

The XXXX tradeline is incomplete, and innacurate. 

The following is true -1XXXX The Last Paid date is not XXXX. The Balance is not accurate5. Because this account, installment account, has not been updated in almost a year, it impacts my score negatively and in such a way that looks as if the balance is and has NOT decreased4. The Terms, Frequency and dates ( last updated by ) are all inaccurate5. Please validate this account, and as a result of EQ 's validation efforts please share you method used, along with all contact details for this XXXX XXXX XXXX at XXXX is my contact name - and number ) 6. Delete the account, if it can not be made whole and accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Product: Vehicle loan or lease

In XXXX of XXXX  my bank sent me a false statement. XXXX XXXX  emailed me saying they rejected the payment. I immediately called OneMain financial to let them know. I spoke to a male. I told him I needed to make the payment. He told me to go online and make it if I wanted to. He said, " On our end it has not returned. '' I franticly replied, " No the bank sent me an email that they won't pay it. I said if the bank ends up paying this, you can use the payment for XXXX. He said, " Okay. '' The only place i could make that payment was on the app. It said make additional payment. I am thinking that is fine since I just had a conversation with an employee at the XXXX XXXX in XXXX XXXX, he knows the issue. I make the payment, but XXXX payment drafts. I reach out to Onemain and let them know, I said " Now that we have this straight we will use if for XXXX, '' They still drafted my payment again in XXXX, XXXX XXXX. By this point I am reaching out almost daily asking them to fix it. They refuse to fix this. This is now in a spiral effect throwing me behind every month. My account is getting worse and worse. 

I escalate this to the executive office, thinking all they need to do is adjust this payment. They refuse to adjust the payment. I asked them for a written explanation as to why and they refuse me that as well. They told me they would only speak about it on the phone. This should not have been difficult. The employee knew what I was doing. He let me think this was easy to reapply if the payment was not needed and that was a lie. 

What i want from OneMain to do is re-right the loan at the original loan amount outside of underwritting, where it can not be denied. This is the best chance I have to catch up on this, and I will call this fair. If they refuse to do that, then this is up to you on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain the annual on-line credit report from Equifax. To check my identity, Equifax asked 4 questions about my finantial activity. None of the questions pertained to any of my financial transactions, but asked about loans I do not have. I responded " none '' to all their questions on the web form. It site then said my identity could not be confirmed and denied acces to my credit report. Many calls to the company only got referals to advertisements for their products. 

Equifax procedures do not allow you to contest fraudulent information unless you have a credit report, and you can not get your credit report without knowing the fraudulent information in it. 

In addition, a US government web site that refers to Equifax for identiy verification, also asked these questions about loans I do not have, and was therfore denied access.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased the vehicle from XXXX XXXX on XX/XX/XXXX based on the pre-qualified loan offer from XXXX XXXX. After that we received a number of denial letters from other multiple financial companies which XXXX XXXX used for the same loan on our behalf. We requested to correct this by phone and in writing ( the letter sent via certified mail attached ). As of XX/XX/XXXX no contact was made and no action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Debt collection

On XX/XX/21, I filed a CFPB complaint XXXX stating that this company had not responded to me after an entire YEAR. So almost another whole year has gone by, and I've yet to hear from them. I found a settlement letter online, and although I do not acknowledge financial responsibility for this debt, I offered a settlement. Still, Portfolio hasn't responded. Why is that, and what information have they provided the bureaus saying the account is verified? Portfolio Recovery 's lack of due diligence has been stressful and I've been denied credit!
Product: Credit reporting or other personal consumer reports

application number : XXXX Someone tried to open an account on my credit report and XXXX XXXX is the creditor. There is an inquiry on my report that should not be there as i did not open, apply for an account with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I called Capital One to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.
Product: Credit card

This is a complaint against PNC credit card of business, the department of fraud has frozen my credit card in without warning me because there was a purchase from an account that was closed. I talked to the executive and i made my own research and I want to say that I did n't do those purchases. The executive has accused me of doing theses acts that i did n't do. I am a good customer to this bank and the last thing I want is problems with my credit card. I want to say that none of these purchases were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

penfed credit union have in corrected on my credit report i owed this company not anything please have penfed to corrected that balance on on my account # XXXX
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 & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.
Product: Debt collection

I received a letter from AAFES stating that a debt was being referred to a collection agency. However the account I had with AAFES has been paid and closed. Also the account information is incorrect. When asked to verify the debt. No itemized bill statement was provided showing each charge of the over {$2000.00} debt suggested. No original paperwork for which I would have signed for the account was ever provided.
Product: Credit reporting or other personal consumer reports

Instructed XXXX to clear adverse items off report due to errors and Identity fraud. Adverse items are continued to be reported by XXXX to financial institutions after opt out notice given. No written permission to share any personal info on file to any corporation unless required by law. I have information on my file that is unrecognizable. No full transparent disclosure of adverse reports given upon request. Potential tax violations due to unawareness to discreet security details within the companies agreements with consumers. Federal violation to compel the use of the social security number outside of a short list of lawful actions. Potential securities fraud violations due to the misuse of the personal info specifically social security living trust account currently under the XXXX of the appointed authorized representative. The company refuses to cooperate and denials for business loans of XXXX and higher are being rejected. Was never given full disclosure on the option to opt out of sharing personal info. Police reports were made to report Identity Theft on all three agencies, XXXX, Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to follow up on my previous complaint dated XX/XX/XXXX. As stated before, per the Fair Credit Reporting Act Section 605B ( a ), Credit Bureaus are required to remove any items opened without my knowledge, consent, or authority within 4 business days, as listed in the ID THEFT Report with reference # XXXX. The accounts in question are detailed below, and I request their removal within the next 15 days : **EXPERIAN** 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
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX