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

For the last week I've been on the phone with PayPal, in live chat support trying to fix this issue. Every time I try to withdraw my money on XXXX, I get this error. Its been happing to me for the last week straight and the only help I have gotten from them was " wait 48-72 hours. ", I have been waiting a entire week, and till this day ( XXXX, XXXX, 2020 ) I've gotten this error. When I spoke to someone on the phone 2 days ago from the XXXX of XX/XX/2020 they told me, they had to lift a limit or something on my PayPal account, and that all would be fixed in 2 days and promised me id have my money in my account. Well here we are no fix at all or even the call at all, and the error is still a thing. So I called today and they told me there is no fix for this, and there's nothing they can do because the whole website is computer ran. ( now a different outcome from when i last spoke to them ) I have had to confirm my ID TWICE and submit other documents multiple times, and cleared cookies, tried using the app, I mean I've tried everything possible. So what do I do? Is this even legal for them to hold my money with no reasoning or even knowing why, and telling me they dont know why.
Product: Mortgage

FHA Mortgage secured by my primary residence and my Servicer was XXXX XXXX. In XXXX of XXXX, due to COVID I had entered into a forbearance agreement with XXXX XXXX. 

Upon the expiration of the Mortgage Moratorium, I had been approved for a Loan Modification with Freedom Mortgage on XX/XX/XXXX. 

This loan modification was on file with XXXX XXXX, notarized, signed by all parties by XX/XX/XXXX. 

The first payment of the loan modification was due on XX/XX/XXXX. 
I made the first payment as agreed for {$2400.00} Within 30 days, in XXXX of XXXX I was transferred to Mr. Cooper. 
The stated they never received the loan mod docs from XXXX XXXX. 
( **Which was later revealed they were received by Mr. Cooper by another Agent** ) They are NOT honoring the LOAN MODIFICATION from my original servicer. 
They have started foreclosure process- HELP!!! 
I am a Licensed Mortgage Loan Officer in 5 states - I believe I have been a victim of a multiple violations of XXXX XXXX and XXXX XXXX.
Product: Credit card

I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, Experian and XXXX. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED A CREDIT CARD WITH REVVI, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XX/XX/2023 XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit file using XXXX XXXX as a third party for this information. XXXX XXXX is fraudently reporting information to Equifax. XXXX XXXX has clearly stated that their company could not identify me. How is it possible for Equifax to place false information on my credit report from another company that can not identify me? I'm providing additional information so Equifax will remove this information from my credit report.
Product: Debt collection

On XX/XX/2019, I received a credit alert from my credit monitoring service stating that I had a new collection reported to my account. When I viewed the alert the collection was placed from a company called ACCOUNT CONTROL TECHNOLOGY, opened XX/XX/2019 in the amount of {$4800.00}. 

First, I have no knowledge of this debt and have not opened any accounts with this company in XX/XX/XXXX or ever. 

Second, the company that claims I have a debt, has never mailed me a letter stating that the debt existed, they did not allow me the option to verify and validate the debt, nor did they state they were even attempting to collect a debt. Instead, they simply reported this inaccurate, non-verified information on my credit report ( screenshot attached on how I was made aware of the debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Transunion credit report today XXXX XX/XX/XXXX ) and found 7 inquiries listed that I don't recognize. I spoke to the customer service representatives and asked that these be removed from my credit report. The customer service representative refused to remove them from my report and suggested I go to the Transunion web site for their policy. The representative refused my request and would not help in taking care of my request. I am writing to you to help me this matter as I will like I may be a victim of some type of credit fraud. 

List of inquiries : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.
Product: Credit card or prepaid card

Fortiva card XXXX Card was charged XXXX last year approximately around XXXX of 2021 XXXX XXXX in XXXX XXXX  Excepted the charge on my account for the amount above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

On XX/XX/2021, I received XXXX for a XXXX XXXX and a XXXX  by my doctor, XXXX XXXX XXXX, at the XXXX XXXX XXXX. That day i sign the quote that i was given 1 month prior and the agreed upon price, of {$4500.00}, was paid that day as well. The price was split into two XXXX, one was my XXXX, medical cpt code # XXXX. And the second was my XXXX  XXXX  cpt code # XXXX. 

The paperwork i signed and agreed to says An additional charge will be applicable if the XXXX  requires special supplies and or patient may receive a bill from XXXX for XXXX, XXXX or any other supply used by your surgeon. If that were the case then the price of {$4500.00} is what i should only pay unless extra supplies were used. Which they were not. 

Two months after my procedure, XXXX XXXX XXXX reached out to me stating that they never charged me for a third code for {$2300.00}. That code being XXXX again. My doctor, the one who performed the XXXX, spoke to XXXX XXXX XXXX saying he only charges once for that code and that is what he quoted me. XXXX XXXX  on XX/XX/XXXX handed me that quote which they agreed to charge me, i signed, paid for it, then received my XXXX. 

I spoke with XXXX, XXXX XXXX collection company, over the phone and theyre saying its now {$3400.00} and the charge is for XXXX. I already paid for the XXXX, {$800.00} on the quote. 

Im very confused with why they keep trying to charge me for a XXXX that I paid in full and XXXX  i paid in full as well. Im in no right liable to pay this collections. 

Attached is the statement they sent me for {$2300.00} The quote, of {$4500.00} and {$800.00}, I signed and paid the day of the XXXX. 
And the new Statement XXXX is charging me {$3400.00} for anesthesia The doctor that performed the XXXX is XXXX XXXX XXXX from XXXX Florida XXXX XXXX XXXX XXXX ) XXXX For any additional questions you can contact theyre office and speak with XXXX XXXX.
Product: Credit card

They are posting payments late to generate late fee 's on my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a dinning table from XXXX. It got delivered to the incorrect address. When I called affirm so that they can help me I was directed to XXXX. When I spoke to XXXX the told me to file a dispute with my bank and reorder. I followed the instructions. The second time I ordered the same Item it never arrived. When I called affirm again, they told me to call XXXX. When I called XXXX they told me to speak to affirm. When I called them again a nice lady was able to take her time and dig deep. She saw where I was instructed to file a dispute with my bank and she " updated '' my account and informed me there would be an investigation. I waited a couple of weeks before I called again and when I did the rep I spoke to has no idea what was going on. It wasn't until a couple of weeks after when I called and threaten to involve attorneys that they closed the case and and confirm I never received any items. about a month after that I received a notification from expiring stating that my score was deducted XXXX points because affirm shows my account as 60 days late. I called and asked them to fix it they said they couldn't. This is inaccurate my payments weren't late because I was going to pay for duplicate items I didn't received. I kept an open line of communicate. I'm asking for them to remove this from my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX 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

Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXXXXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Experian updating personal information and removing names and addresses I am not associated with. Experian is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX and Experian regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to Experian, XXXX and XXXX to validate information on the report. ( XXXX ) No response as of today.
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 items 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 items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a down payment on a vehicle in the amount of {$1200.00} and was told the vehicle would be available on XX/XX/XXXX upon contacting the dealership i was told it isnt ready and would be available after XXXX XXXX on XX/XX/XXXX I contacted the dealership and still no vehicle after my final attempt I was told to wait until XX/XX/XXXX After waiting and still no vehicle I filed a dispute on XX/XX/XXXX with my bank which is FDIC insured throughout the investigation there was no communication on the banks end just a simple we are still reviewing in will be in contact after i later asked for a provisional credit and was told that i would have to wait until i was contracted 3 months later 90days still no response no answer no communication from bank and no provisional credit the 90th day according to the bank was XX/XX/XXXX today is XX/XX/XXXX and i am still being told the same thing i have had not one individual contact me ive sent in documents, receipts, screenshots of conversation and much more and have yet to get a simple answer on my on going investigation my banks name is Current which is similar to XXXX it has a black card with pink and blue strips around the outter edge issued by XXXX XXXX XXXX  ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXX XXXX  '' and " XXXX '' are registered trademarks of XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for a XXXX Credit Card for a business account. On the original application I accidently entered the business name wrong by one word. My credit was pulled on XXXX & XXXX. XXXX requested more information to verify the name of the business, I had provided all the information to them. After several attempts to gain approval, I was told by XXXX the application would not be approved on XX/XX/year>, due to the variation in name placed on the application. On XX/XX/XXXX another inquiry appeared on my credit report for the same application I was told would not be approved for the day prior. I have contacted XXXX several times in regard to the matter, but they said there is nothing they can do even though I didn't consent to the second credit pull on me. They didn't disclose to me that after the initial pull on my report they would be making additional pulls on my credit report knowing they were going to deny me the application because of the name variation. I also requested the original application that they wouldn't provide, I also requested the denial letter which they have not provided. I also found it concerning when I called XXXX on XX/XX/year>, they wouldn't talk with me unless I consented to them that I was not recording the phone call, however I had to consent to them they would record the phone call. I also contacted TransUnion about this report, and they had told me to work it out with XXXX or file a complaint with the FTC.
Product: Debt collection

This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.