23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I the consumer utilized Paypal Credit in which I had a surplus credit amount {$1600.00} to pay my car note of {$390.00} ( Exhibit A, Exhibit B ). On XX/XX/2020 Paypal attempted to collect my car payment from my debit card in the amount of {$390.00} without authorization which is in direct violation of 15 US Code 1602 ( p ) ( Exhibit C ). Furthermore, they threatened to report this false claim to the credit bureau which is in violation of both 18 USC 876 and 15 USC 692 ( e ) ( 10 ) causing me mental anguish, XXXX, and stress ( Exhibit D ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Certegy Check Services On XX/XX/21 my XXXX XXXX XXXX XXXX {$66.00} check was denied at XXXX XXXX XXXX - Store # XXXX, XXXX, Maryland. The info for XXXX is printed on the receipt, I tried to contact. I was asked for my SS #, bank routing #, back account #, other info. I did not provide these. All automated, no one to speak with. I was also asked if I wanted to make a payment. I tried their website, no help. Twice on line I was asked if I wanted a lawyer, for a fee. Looking in to the company, I found many who had experienced the same. Their website - www.askcertegy.com - XXXX - Certegy Check Services , Inc. XXXX XXXX XXXX XXXX , Fl XXXX XXXX-XXXX. I have tried several times to reach this company, on hold for over an hour- then disconnected. One site I reached was invalid. I have been shopping in these stores for many years, and now I am unable to write a check there. My credit score is very high, and I did bounce one check about 10 years ago, when I was changing banks. My fault - wrong check book. I feel this outfit is a scam, I would like to know what you find out. 
Thank you for your time, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX reporting a XXXX account that is not mine I have disputed it several times and file multiple police reports
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the creditors involved.
Product: Credit reporting or other personal consumer reports

Transunion, despite my efforts to resolve this issue, they have ignored my request and Failed to investigate inaccurate information being reported on my credit report. I demand full investigation and DELETE inaccurate unverifiable information immediately off my credit report.
Product: Checking or savings account

Wells Fargo would take money for fees and overdrafts.
Product: Credit reporting or other personal consumer reports

I have not tried disputing it I came straight to this point
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I attempted to buy a {$50.00} gift card online from XXXX on X/XX/2017. I received an email from the company alerting me that my order was declined and that I would be charged a {$1.00} preauthorization fee from the debit account I gave them. It simply states " We understand this is frustrating, but in order to provide our customers with the highest level of security, we can not share any further information. '' There was no reason for the order to be denied as the account had more than enough funds to complete it. I searched this company afterwards, and it appears others have faced the same issue of money being charged from their accounts and their orders being denied. I believe this company is doing this repeatedly to extract payments from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Product: Money transfer, virtual currency, or money service

I recently contacted First Progress about getting my refundable security deposit back after noticing my account was reported closed in XX/XX/XXXX. When I called them this month, I explained that I just realized I never got the refund after two years. The representative I spoke with, she stated that they did try to send the refund to an old address I had on file but it was returned. So, I immediately gave her my new mailing address, in which, she stated that if I wanted to get an expedited refund, I needed to fax them. I did as instructed and faxed from XXXX XXXX yesterday. However, when I called to let them know the fax was sent, they claimed they had not received it and that I needed to wait 48 hours and call them back to check the status. It was a guy representative who claimed this and even told me that he was sitting there looking at my refund check for {$200.00}. I called again this morning and spoke to another representative who claimed my account was just closed ( XX/XX/XXXX ) and that I would have to wait 10 weeks for my refund. This is completely abusive because, first off, they did not try to reach out to me when the check was returned a couple of years ago. It took me some years before I discovered I was owed a refund and when I have contacted them on multiple occasions, they are attempting to delay my refund another two months by reporting my account recently closed when that is not what my credit report shows. I have not been a customer with them for two years. It is unfortunate because I never gave them a problem in regards to payments. My credit report even shows no delinquencies and paid as agreed. Yet, they don't want to expedite me the money that I deposited to start the account in the first place.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to cancel my capital one venture x credit card ending with XXXX to get my annual fee fully refunded. The representative helped me say I will get my annual fee back because I was within their time limit. The representative confirmed my annual fee charged time. The representative also explained how long the refund would take. 

On XX/XX/XXXX, I called again to follow up on my refund process. The representative also assured me that she would escalate the case and I would get my money back because it was within 40 days. She confirmed my annual fee charge time and card closure time. However, on XX/XX/XXXX, I was told that after review, I would not get my annual fee back because I closed my account 42 days after the annual fee was charged. 

I was misled by two of the representatives and left without a product to use and paid a whole year of {$390.00} annual fee. I demand to get a refund of my annual fee and ask capital one to not making customer to paid for their lack of coaching on their employee.
Product: Credit reporting or other personal consumer reports

I request that the following be removed from my report : LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX Charge Offs : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The list above violated my federally protected consumer rights to privacy and confidentiality under USC 1681s-2 ( A ) ( 1 ). 15 USC 1681 section 602 A, states, I have the right to privacy ; 15 USC 1681 Section 604A Section 2 states, a consumer reporting agency can not furnish a account without my written instructions. These companies should not be reporting as I never gave permission for the reporting per Section 1681a. I sent correspondence to the credit bureaus regarding this ; I was never notified in writing per 15 USC 1692g prior to accounts being on my credit report, within 5 days. See also 1692f ( 1 ). Furthermore, Privacy Act considerations, a delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act USC 552a ( e ) ( 4 ). For the above reasons, I hereby request the above be removed from my credit report in violation of the above stated consumer land privacy laws.
Product: Prepaid card

I purchased the prepaid visa from XXXX on XX/XX/year> and vanilla gift card ( INcomm ) blocked the gift card from using anywhere in store and online for unknow reason to me, I contacted customer service at XXXX on XX/XX/year> and they gave a case XXXX XXXXXXXX and said take 7 to 14 business days to process upon receive my driver license, receipt, gift card info and utility bill, I emailed all to them same day and they acknowledged that they received and I called after about 3 weeks and no update but they promised to send the replacement asap, I waited again till XX/XX/year> and called again, and they said they are going to escalated the case and send it out within 48 business hour plus mail time ; I contacted them by email on XX/XX/year> and no reply at all from company about the card or update, I called XX/XX/year> at XXXX again and spoke with a rep and they said no any update on case, and supervisor said he is going to escalate the case again but i had to call back to get update after another 14 business days, i politely asking him to follow up and help me since this is not a dispute ( no one used my card ) and he refused. 

I know its not employees fault, its company purposely make it difficult so many people give up. I want the Incomm Financial Service to issue me the refund check of {$540.00} asap before i take the case to small claims court. 

Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 of 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. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type XXXX Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : Amount Delinquent : Account Balance : XXXX Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX  Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023
Product: Credit card or prepaid card

I set up an autopayment on my AMEX account this morning for {$1600.00} each month. The payment is due XXXX XXXX. Today is XX/XX/XXXX and I've already made a payment on XX/XX/XXXX ( {$2700.00} ) which is still processing. Typically, one can not start an autopay for the current month this close to the due date. Knowing this, I assumed the autopay would start in XXXX which is what I want. The next screen stated that my autopayment would be processed today! I can't afford to make two payments in one month. So, I looked for the edit payment or delete payment button. There is no option to edit one 's payment or even to delete the payment. All I could think is that I don't have the money to pay my other bills and make two payments to AMEX! Plus, I still need to buy food for XXXX. I called AMEX. I was told that the payment can not be canceled. I would need to wait until it has posted and then request a credit to my bank account. I don't have that kind of money to do this. I called a second time, thinking I'll just delete my first payment since that hasn't posted yet. I was told that the first payment can't be stopped either! I would have to wait for the money to be taken from my bank account and then call AMEX to request an electronic refund which allegedly would take two days which means it won't hit my account until after XXXX. Maybe that wouldn't be a problem except that I still need to buy food for XXXX -- which isn't cheap. 

I am very angry that I was not given the ability to edit my payment or delete my payment by American Express. No other credit card/bank does business this way. I would not have this problem otherwise.
Product: Debt collection

I have had a collection reported on my credit report for XXXX XXXX XXXX XXXX in XXXX, Indiana for about a year. The bill was paid by the VA and XXXX ( I am 100 % service connected XXXX retired veteran ). When I initially found out about the collection being reported I called the hospital and verified that the account had a {$0.00} balance and nothing was owed. However, the credit bureaus did not do their due diligence because their response was that they verified the debt with the collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX Dept of Education 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.
Product: Credit card or prepaid card

On XX/XX/20 at XXXX I discovered that XXXX dollars was taken out of my unemployment account right after I spoke with an older XXXX lady on the phone inquiring about some purchases I made from XXXX. I called Bank of America back and I asked them who took XXXX out of my debit account and I told her I wanted to file a dispute to find out who stole my funds. I was sent to the claims department and put on hold for 45 minutes. I then hung up called back and was hung up on. I then called back and out of nowhere 37 dollars was put onto my card. I called a total of 10 times trying to file a dispute but I was hung up on or never spoke with anyone. I was on hold 45 minutes then an hour, then one in a half hours, then 45 minutes and then 30 minutes and then an hour, then two hours, then another hour, then another hour and twenty minutes. I then called consumer finance but the connection was bad so I am filing my complaint now. I checked XXXX and between XXXX and the workers at Bank of America I believe someone at that bank stole my funds because XXXX would have sent an email stating refund to my account which they also owe me {$310.00} unless they stole the funds but the behavior of the workers and the 37 dollars mysteriously popping up onto my card is highly suspicious. Bank of America can not help me because the employees will not answer but there is definitely fraud going on and I want my funds placed back onto my account.
Product: Student loan

I am enrolled in the public service loan forgiveness program. By my count, I should have already qualified for loan forgiveness, and am about 7-8 payments over the requiremed number. When I inquired with Mohela regarding the record of payments, I noted that in the record there is a gap in payments documented ( no payments documented XX/XX/XXXX-XX/XX/XXXX ). I reviewed my bank records, which show I made monthly loan payments during this time. This would mean I was making qualifying payments. However, Mohela says that the period does not qualify, even though this period does not appear in my ineligible payments record. I've requested the company document the payments as not qualifying or count them as qualifying, neither of which has happened. Instead, they're requiring me to continue making student loan payments, even though I've already qualified for forgiveness. Of course, every call involves a two hour ( no exaggeration ) wait time to speak with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XXXX of 2017 and XXXX of 2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Product: Mortgage

The property at XXXX XXXX XXXX XXXX, XXXX, ca was allegedly sold to a company called XXXX XXXX XXXX through the lender 's trustee Clear Recon Corp.

Documents submitted are fraudulent on their face. do not have correct loan numbers or signatures to transfer a property worth XXXX Million for a XXXX debt, which is all faked and propped up to look like I failed to make payments. 

Checks were returned by XXXX to appear as if payments were not made. 

XXXX - criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX Banking XXXX XXXX XXXX Due to this hard inquiry, my credit score dropped 5 points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.
Product: Debt collection

I seen this company on my credit report Acima and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company XXXX XXXX XXXX XXXX hasn't provided me with a HIPPA release this is a violation of the FDCPA and the FCRA simply because this company ( XXXX ) is a third party entity whom shouldn't even have records of my medical records. They should have included a HIPPA release with my signature on it. Which they didn't. 

I disputed this directly with Equifax in which they out right refused to correct!
Product: Credit reporting or other personal consumer reports

I was alerted form Experia that I opened an account from XXXX XXXXXXXX XXXX  and I haven't opened any new accounts since XXXX of this year.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.