23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX 2023 I made a purchase of {$390.00} for an item I never received ( XXXX XXXX XXXX XXXX ) on my XXXX  citi visa signature credit card. Company name was XXXX XXXX XXXX XXXX. Now the web site they were selling on doesn't seem to exist. 

I filed a dispute as soon as I checked up on the " shipping link '' they sent which was a dead link and they had a european address and I could not contact anyone. Until this day I have never received anything. 

Today I received a message from my credit card citi bank that my dispute was denied and Im losing the {$390.00}. 

What can we do?
Product: Debt collection

On XX/XX/2021 Portfolio Recovery added a derogatory amount on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtors creditor did not verify this account collection. Also, there is NO form of written communication, contract or signature, for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this immediately.
Product: Student loan

I qualified for a full discharge of my Nelnet student loans in XXXX. In XXXX of XXXX, Nelnet discharged my loans in full and also notified the IRS. In XXXX I received the IRS 1099c from the IRS showing my loans were discharged in full and was charged as in income on my taxes ... fast forward to XXXX, Nelnet decided to reverse the discharge and put the loans on my credit report. I contacted an attorney for a free consultation and he laughed saying Nelnet is committing fraud, and an IRS DISCHARGE is proof the loans were discharged. The attorney gave me instructions to contact you first before a lawsuit is filed to see if you can settle this issue.
Product: Credit reporting or other personal consumer reports

I was denied credit based on Experian credit comments. I contacted the number on the denial letter and was unable to get a live agent or my credit report without paying. My understanding is that Experian would provide a free credit report and explanation. I am unable to contact them. I spoke with XXXX regarding my report and they said it was good with no delinquencies, same for XXXX. 
However, Experian has a much lower credit score and claims I have several delinquencies which is incorrect. Their incorrect report resulted in two denials of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, XXXX and Experian ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XXXX i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, Experian and XXXX along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, Experian and XXXX. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my partner and I both got a cashier 's checks for about {$25000.00} from our joined savings account in our credit union. On XX/XX/2024 we both went to our local branch of Bank of American to deposit those checks to our separate checking accounts in Bank of America. So we deposited the checks on the same date, at the same bank, within minutes from each other. My partner 's cashier check cleared within XXXX business days. Mine had some " deposit hold '' added to the deposit and was held hostage for additional few days. Bank of America 's customer service claimed it was a standard automated hold that applies to customers who deposit cashier 's checks on large amount of money for the first time. If this was the case then why was I singled out in having my check put on hold and access to MY MONEY blocked when it was a cashier 's check that was guaranteed with the money? It took almost an hour on the phone and escalation to upper management to have my money released. Money, that should not have been blocked for that long in the first place. Outrageous.
Product: Student loan

I made a payoff to my Direct loan XX/XX/XXXX on XX/XX/XXXX for {$9300.00}. On XX/XX/XXXX I log in and see that it was processed but instead of being allocated like I directed, it was applied across several loans. It also showed a second payment was processing for the same amount, allocated to the correct loan. I called the company to figure out why they were processing it twice and why the first payment was allocated wrong. I spent 40 minutes on hold, only to be told it could be fixed and the payment could be re-allocated. The rep put me on hold subsequently hung up on me. When a I refreshed my online account, the second payment was no longer showing processing ( it was gone ) but the first payment was not fixed. I received no follow up and my account is still not fixed. This is the second time Navient has screwed up how to apply my payment.
Product: Credit card or prepaid card

Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf. 
Violation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be or deleted immediately.
Product: Credit reporting or other personal consumer reports

Experian credit bureau is showing that I have delinquent accounts on my credit report. 
This is not accurate. 
I have asked them to provide me with the merchants information. I have excellent payment history with XXXX and XXXX credit bureau and they don't show anything delinquent accounts on my report. I have made another dispute against them with CFPB, they still haven't addressed it. This is causing me severe issues due to the inaccurate information on my Experian credit bureau report. 
There's no way to reach them by phone, I have sent Experian credit bureau letter asking for the information on the delinquent accounts and haven't heard back. Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in removing a 7 year eviction from public records. I paid off the debt, resulting in the case being deemed " satisfied, '' by a judge. However, it still shows up on civil case searches and most likely my rental application. I was wondering how to get rid of it all for good.
Product: Credit reporting

about 2 months ago, I filed a dispute with all XXXX credit reporting agencies concerning old reports that needed to be removed from my report. XXXX item concerned a bank loan which I was behind on, which was reported on XXXX/XXXX/XXXX. this is well over 7 years ago, and was paid in full in XXXX. Equifax and XXXX removed the item. XXXX DID NOT.. also all XXXX agencies were reporting XXXX delinquent child support accounts that were reported on XXXX/XXXX/XXXX. I filed a dispute with all XXXX agencies about the child support report being 14 years old and told them that according to the XXXX fair credit reporting act ), that they could only report this : XXXX quote ), for 7 years after the date of the last scheduled payment before the account became delinquent. ( unquote ). XXXX and XXXX removed these 14 year old reports. Equifax DID NOT REMOVE.
Product: Debt collection

I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Account number : XXXX*XXXX.1 XXXX XXXX DOB XX/XX/XXXX XXXX XXXX I had an XXXX done at your XXXX NJ facility on XX/XX/XXXX. I entered into a payment arrangement with your facility when I received my first bill. I have been paying the agreed upon amount every month since XX/XX/XXXX. I found out today that my account was sent to collections. When I called, I was told that it went to collections because of a " bad " address. I moved to a new home sometime after the procedure was done and after the payment arrangement was made. There is no reason I should be put into collections because I moved. I was told by your people that it is out of our control. Dues to your actions my credit score dropped 82 points. This is unacceptable and needs to be rectified with the credit agencies immediately. 

XXXX XXXX Cc : Federal Trade Commision Quaility Asset Recovery I have called QAR and XXXX XXXX numerous times and do not even get a call back from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JCP account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit card

I am deeply troubled by the addition of this late payment to my account, as I have always maintained a punctual payment history. This error is causing me significant distress, and I urge you to rectify it promptly by removing it from my account.
Product: Checking or savings account

In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.
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 and confidentiality under 15 USC 1681 and caused me undue stress and defamed my character : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Santander Consumer USA via phone at XXXX to resolve and dispute a inquiry that I noticed on my credit reports dated XX/XX/XXXX. The representative who took the call is name XXXX Employee id # XXXX, she asked for my name and social in which i provided then she ask for the make, model and year of vehicle i was calling about and I stated to her that I was not calling about no vehicle because I dont have a vehicle with you all. I informed her that i was calling to dispute an unauthorized inquiry on my credit reports from this company. She then went over the debt collection disclaimer script and says that she a XXXX XXXX charged off on my record. I told her once again that I was not calling about no vehicle especially not that one because that vehicle was repossessed by them in XXXX and I have not contacted them every since or requested any new loans fromthem since XXXX. I asked her can she transfer me to the fraud department and then she puts me on hold. After being a hold for a few minutes she then states that they do not see a inquiry on my record and that i need to put a fraud alert on my credit report. I told her that I do have a fraud alert on my report i which i had it for 3-4 years now so that anytime my credit is being ran i am to be notified to verify that its me making the authorization. Well unfortunately I was never notified by Santander on XX/XX/XXXX that my credit was being ran by them and I havent even spoke with them to inquire about a new loan. She then tells me that theres nothing they can do too. So once again I asked her well can you transfer me to the department that handles new applications or inquiries on credit reports she says no she is the only department i can speak to. Then she also states that I need to contact the dealership so I asked what dealership am I supposed to contact if your company whose reporting on my credit report as an inquiry. I also stated thats why Im contacting your company to find out how, why and who made this inquiry and she says well theres nothing we can do. I told her that I already reached out to the credit bureaus and they told me that i needed to contact the creditor to dispute inquiry and now your telling me that theres nothing to do. So my complaint is that this company was unwilling to provide me information as to how to dispute and resolve a inquiry that was made from their company on my credit report and i was basically disregarded. This company already has very bad reviews on theXX/XX/XXXX and has recently settled a lawsuit with multiple states in the USA due to violations of fair lending practices in which i believe my charged off vehicle that i had with them is part of that settlement. Once again I just want to resolve this unauthorized inquiry and I will never contact this business for any loan products. Their reputation and trustworthy has already been tarnished across the country.
Product: Checking or savings account

M & T froze my account, so far XXXX  companies have told me that my transactions were turned down. My Credit Cards were not paid, my electric bill was not paid, this has made my life extremely difficult, the money was in the bank, the transactions were legitimate. There was no reason that M & T froze my accounts, there was NO prior notification at all from M & T it has cost me time and money to fix THEIR issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of TranusUnion inquiry issue I called their customer service but he would not help and take care of the negative inquiries reporting on my credit report these items on my report are affecting me tremendously.
Product: Debt collection

i paid off 2 collections in XXXX of XXXX one of them being an old apartment. the second being south west credit systems ( XXXX ). 
me and my fiance had joint accounts with both. he paid them off and they both fell off our XXXX XXXX. since beginning of XXXX XXXX  has been added back to our collections as if we never paid it off. i disputed it once & it was fine. it came back not even a few months later. tried to dispute again and XXXX XXXX emailed me saying the information was correct and they couldnt dispute it. which is obviously not true. that collection was settled, they continue to hurt our credit even though its been paid off for almost 2 years.
Product: Money transfer, virtual currency, or money service

Subject : Complaint against PayPal Dear CFPB, I am writing to complain against PayPal for limiting my account and holding my funds without a valid reason. 

On XX/XX/, I received a notification that my PayPal account had been limited. PayPal claimed this was for security reasons, but did not provide any further information or explanation. I have attempted to contact PayPal to request more information and to have my account reinstated, but have not received a satisfactory response. 

I believe that PayPal has engaged in unfair and deceptive practices by limiting my account and holding my funds without a valid reason. I request that the CFPB investigate this matter and take appropriate action to help me retrieve my funds and reinstate my account. 

Thank you for your attention to this matter. 

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

I have worked with Transunion over course of several months to remove incorrect information from my report. Transunion indicated it was likely a transposition error from a creditor that caused collision between my credit report and another individual. Since this time I was able to dispute the individual collections from my account however new collections accounts continue to crop up which do not belong to me and are likely from the individual whom my account appears to be linked to. This collision is unacceptable and continued failure to address additional collections which are not related to me but to the other individual impacts my credit score and limits my ability to leverage good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this account XXXX/XXXX and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not
Product: Money transfer, virtual currency, or money service

Paypal , Inc. Paypal arbitrarily limited/froze my account of 21 years, without an explanation even after requests for one. They claim a violation of TOS but were not willing to explain to me what violation had occurred. I requested that the account be closed, and my linked financial information ( bank account, credit cards ) be deleted, out of concern for a potential security breach in the future. In other words, as I am not able to use the account, I want it closed. They will also not close the account, leaving my financial information extant for anyone to see and potentially misuse. I want the account closed, and my financials deleted, proof to my satisfaction. They are still refusing to do so. I have opened a case with the XXXX  about this to no avail. I never consented to Paypal 's permanent retention of my bank account information or credit card information, and I have never heard of a personal account being kept open but frozen when the customer wants it closed.
Product: Payday loan

I repaid a loan to ACE Cash Express in 2011, I have not heard anything from them until today, they called me to inform me that their records shows that I have not re-paid the 2011 loan. They say that they have been trying to contact me about this but I have not received anything ( no mail/ no calls ) until today. I did not save my receipt but I know for sure that I re-paid this loan and I am not being credit for it. Please assist me with dealing with this Company that is now threatening me, Thank you in XXXX.