23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When you pay with paypal you have two balances. One is your balance of special purchases which have 0 interest for a period of time. The other is a balance with interest from non special purchases. When you pay it automatically applies the payment to the balance without interest and gives you no option to tell it where to apply the payment towards. This mean if you just pay it will always go to your non interest balance and you will accrue interest on your interest balance unless you call them to allocate it after the payment has cleared. This is a very obvious was to get you to accrue interest as it is not clear at all that this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I filed a police report and sent to all credit bureaus Experian, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my Experian credit report this is fraud then recently it was put back I dispute and was not take off. XXXX XXXX XXXX original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or Experian please help resolve this matter. 

Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I escalated an issue for filed disputes with my business and personal checking accounts after which I received new debit cards. I have had to file several disputes this year with PNC. A branch representative informed me that there were active debit cards associated with my checking accounts which PNC mailed out after my past disputes were filed we confirmed I never had these cards in my possession. We came to the conclusion that these active cards easily left my accounts/information vulnerable to fraud, and the branch representative deactivated those cards. The most recent dispute for the personal checking account was never resolved, and I received notice that PNC would be closing the account along with the reserve and savings account associated with this checking account in the PNC virtual wallet. The reason for closure is simply PNCs right to review their relationship and make decisions. As discussed, the closure was triggered due to multiple disputes on the accounts. This is unfair, because my accounts/information were compromised for months without and resolution until a branch representative closed the active cards PNC claims to have sent in the mail. Had they been closed already, I would have maintained a relationship with little to no disputes. PNC claims that my business account may be at risk of closure as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Ashley Homestore is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Product: Money transfer, virtual currency, or money service

I was trying to purchase three clothing items off of a seller 's XXXX  ( XXXX ). I have messages back and forth confirming he will send out immediately with tracking. I paid through PayPal, and he blocked me on XXXX, will not respond to emails, never sent the items, and will not refund me my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE {$600.00} CLOSED XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE {$110.00} CLOSED XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE XXXX CLOSED LATE PAYMENTS
Product: Mortgage

My FHA refinance was started in XXXX of 2020. To date, it has not closed. I have had three different processors and have been to a manager who told me he would take care of it over a month ago. I have not been contacted in three weeks. I have been ignored and no one responds to me. Every-time I escalate my concerns I am told that the prior person left the company and they are trying to replace them. It has now been six months and no one is working my file. I have tried calling and emailing and continue to be ignored. My rate expired after 72 days and no one will answer me as to whether I get the lower FHA rate. I am just left out here with an unprocessed loan for the last six months. I continue on my own to research and try to reach people in management positions to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified by two credit bureaus today of an alleged debt by Commonwealth Financial in the amount of {$1400.00}. I don't know who these people are or have any communication indicating what this alleged debt is about. It's pretty clear this is yet another fly by night " collection '' agency harassing an innocent citizen. 

do not release my contact information to this company. they obviously don't have it.
Product: Debt collection

Amsher Collection Service states that I owe them for an XXXX purchased in Maryland in the summer of XXXX. The phone is an XXXX XXXX XXXX XXXX. I have had the same XXXX XXXX since XXXX of XXXX. I have not been to Maryland in years. This debt is not mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name XXXX XXXX : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. NONE OF THIS IS SHOWING ON XXXX AND I TOLD THEM I WAS A PART OF THE CONSUMER FINANCIAL PROTECTION BUREAU DATA BREACH AS WELL!

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

VIOLATION OF VERIFICATION and VALIDATION OF THE DEBT NO PROOF HAS BEEN SENT TO ME. NO ACTUAL CONTRACT WITH MY WET INK SIGNATURE ANYWHERE! NO PROOF THEY NEED TO REMOVE PER SCTION 611 THEY CLAIM THEY CERTIFY UNDER OATH BUT CANT VERIFY WITH PROOF PER THE LAW! 

The following INACURATE AND INCOMPLETE Items need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case I sent complaints and letters ON to XXXX and Transunion Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$40000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$41000.00} written off. {$40000.00} past due as of XX/XX/XXXX XXXX 
Show more Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX .... 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$770.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$8100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Show more Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$36000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$1200.00} past due as of XXXX XXXX.
Product: Mortgage

In the month of XXXX I requested a copy of my loan closing documents by phone. I am trying to obtain the Note ( 4 pages ) to provide to the company I am refinancing with. Village Capital has not provided these documents to me as of today. I just made a second request online today.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00}.
Product: Credit reporting or other personal consumer reports

XXXX deleted something on my credit profile and has not been able to get me an updated current credit profile or report since XX/XX/year>. I called several times and they still have not fix my credit report with updated information. They have not corrected and sent me a corrected updated credit report as I requested several times. I request the CFPB to have XXXX send me a current updated credit report profile for this month XX/XX/year>. Please follow up and see their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.
Product: Debt collection

In XXXX XXXX XXXX  XXXX XXXX had told me I owe XXXX for a free phone. I had informed them in XXXX I didn't not owe the amount. I am being charge wrongly I had to contact the complaint office, President office, corporate office, receivable office. it took until the end of XXXX. I just decide to pay the XXXX in full so I would not have XXXX XXXX XXXX on my credit, they found out I didn't owe the bill and they did a reversal and refunded my payment removed XXXX XXXX XXXX off my credit and cleared the account Before they had fixed the issue this company Sequim collection agency LLC brought the account from XXXX XXXX XXXX. began sending letters and calling I didn't know what was going on I called XXXXXXXX XXXX XXXX  back I was told that the account issue was cleared. I told them I had talked to a MsXXXX XXXX at Sequim asset solutions who was not very cooperative. XXXX XXXX XXXX response was the sent Sequim solutions to remove me off there account. It was reported to the credit bureau that my account was XXXX they were ask to release me from there account. by I was told because I never owed the bill. They are yet on my credit. I informed I was told they had contacted Sequim asset solutions to remove themselves off my credit they are yet in denial of removing Sequim asset solutions off my credit. Here it is XXXX and have yet to get this in correction. I have taped conversation of all party including Sequim asset solutions upon request of what all parties response was.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the XXXX   breach!!!! 

XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, a merchant in the XXXX XXXX ( XXXX ) issued a credit in the amount of {$280.00} via PayPal to my XXXX XXXX credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX. XXXX initiated this refund because one of the items in the order turned out to be defective and it was still under warranty. PayPal received the refund from XXXX on XX/XX/XXXX. PayPal claims that the issuer ( XXXX ) received the refund on XX/XX/XXXX. Unfortunately, I never received the money. 

For months I worked with both XXXX and PayPal to sort out this situation. PayPal insisted that the refund had been successful and that the problem was with the issuer. At the same time, XXXX equally insisted that they did not receive the money from PayPal. 

The attached information contains the following : Screenshots from my PayPal account showing the refund Three different emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in which PayPal provided the trace number XXXX and laid all responsibility on the issuer Letter sent by XXXX on XX/XX/XXXX stating that they were unable to locate the refund. 

Given that I was unclear on where the issue laid ( did PayPal not send the money? Did XXXX not receive it? ), and the only universal irrefutable truth was that my money was missing, on XX/XX/XXXX, I opened complaint XXXX against XXXX with the CFPB. 

On XX/XX/XXXX XXXX provided this official response to the CFPB : Thank you for your patience while we reviewed your account. We have no record of receiving a credit for {$280.00} from XXXX. Due to the time that has passed since the original charge took place, we are unable to assist you further with this matter. The charge is now past timeframe to dispute {$280.00} of the {$350.00} purchase with XXXX from XX/XX/XXXX. We confirmed that when you initially contacted us about this matter earlier this year the charge was past the dispute timeframe at that time as well. We encourage you to work with PayPal, the merchant or seek other options outside the dispute process to obtain a credit. You may want to request that they issue the refund to you by a different method such as a check. Thank you for your feedback. We have forwarded your feedback about your experience in contacting us about this matter to the appropriate parties for further review. 

Given that now XXXX confirmed definitely that refund with trace number XXXX was never received, it is proven that PayPal is the entity at fault. As a result, I demand that PayPal funds my PayPal account XXXX with a balance equal to the missing refund : {$280.00} or mails me a check for this amount.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion I thank you for applying updates to correct certain issues that I have called out. However there are still issues that remain. At this point I am requesting that you all delete the entire record for XXXX XXXX XXXX as you all keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find and issue and you then update an issue, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them.Do not ask them to verify anything again. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 
See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now.

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identy at XXXX and XXXX did a hard inquiry using my social security number. On XX/XX/2018. Please notify XXXX that my identy has been stolen. 
SS # : XXXX. 

Also, an attemp to change address, phone number and email address to set up XXXX to transfer from my XXXX XXXX account was detected by XXXX XXXX fraud detection.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well. 

I sent the a letter by on the XXXX of last month. Today is the XXXX of XXXX and still, no response or changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards through XXXX. Around XXXX/XX/XX/XXXX one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX ( XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). Equifax and XXXX have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from Equifax is still pending. I am including all three companies : XXXX, XXXX and Equifax on this complaint.