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

I have committed several foreign transactions using PayPal Inc : XX/XX/XXXX XXXX  XXXX  billed at {$10.00} XX/XX/XXXX XXXX XXXX billed at {$12.00} PayPay blocked me for using my XXXX XXXX ( XXXX Card ) debit card to make a payment directly in Can $ that would result in {$10.00} and {$11.00} charge to my account. 
Loss of funds : XXXX When I called customer service I was told but I have no choice but follow through this arrangement. 

XX/XX/XXXX PayPal XXXX for XXXX XXXX PayPal blocked my transaction using XXXX card direct pay in XXXX and then automatically converted the transaction into the US {$48.00} instead of {$44.00}. Loss of funds : {$4.00} XX/XX/XXXX I paid an invoice at XXXX XXXX and after selecting the payment option for the British Pounds PP automatically converted the amount of the transaction without my knowledge and consent at the amount of XXXX loss of XXXX I called PP customer service and after being put on hold for approx. 18 min the call was disconnected. When I called a second time the PP manager XXXX ( employee # XXXX ) told me that from about 1 year ago PP instituted a policy of forced currency conversion. I was never informed about this change of policy which is anti-competitive and monopolistic and not in any way I consented to it. 
The overall loss of funds due to this practice is : {$11.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, XXXX  especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX  XXXX -  Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I called my credit card company because I was having a life-changing event. I talk to XXXX on XX/XX/2023 at XXXX p.m. I made a payment of {$100.00} on my account I have the confirmation number. Then I end up talking to XXXX and she said that they will put me on a special program that goes through the three building cycles it was a forbearance program. But I kept getting email saying I was behind on my account. So I kept calling back and end up talking to a various people XXXX I talked to. And on XX/XX/2023 I talked to XXXX at XXXX XXXX. and he went over the program and I talked to XXXX on XX/XX/2023 and he didn't understand the program at all. So I end up talking to a supervisor named XXXX at XXXX p.m. she said they had sent a letter out to me which I never received. And she explained the program to me she said they had three different programs. But at the end of the program that she explained I still had to make the minimum payment. And I told her I was having a life-changing event and I couldn't make my whole payment per month. And she went over to explain it again but I still had to make the minimum payment, so how is this helping me. As a consumer and you provide a program that help people that's not the truth. So she explained the special XXXX program to me. And at the end she kept saying I have to make the minimum payment, if I make the minimum payment then why do I need to be on a special program. I don't understand if you have these programs out there to help people then why don't you tell the truth about it .my other credit card companies helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, XXXX XXXX. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I asked this company to Validate the debt, They sent an itemization of charges which is not considered by law validation. I requested a copy of the original contract with my signature. This company failed to provide me with this request several times. The law 91-50 Title VI, section 611, Subsection A-D clearly states if i request proof I'm entitled to obtain a copy of it, which was NOT provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong
Product: Money transfer, virtual currency, or money service

I would love for someone to contact me personally since I have recorded phone calls with this company lying to me on multiple occasions. They randomly decided they were going to review my account. Gave me 5 different excuses as to why. Told me my funds would not be given to me. Then said they would be. Back and forth all day. They STILL have not issued my money to me. I run my own business, this is how I pay bills. They knowingly and intentionally wouldnt not give me my funds and asked for documents. What documents can I possibly provide? A customer runs their card to pay for their services, the end. There literally is no other documents I can provide other than the receipt, which SQUARE SENT TO MY CUSTOMER. Im facing homelessness because of square. I needed to use MY HARD EARNED MONEY to pay my bills. If you look online, Im not the only one! Except instead of withholding 30 % -50 % theyre withholding ALL OF IT. I cant touch a DIME. Im going to have to refund it, Ive already started the process, because its taking square up to 4 months or more to give it back to others for the typically one business day review so Ive issued it back to the customer to keep my freaking utilities on, and be paid a different way and they still havent got it either! This company is taking advantage of small business during a pandemic close to the holidays and the end of a federal moratorium. It has to be stopped. This has to be illegal. On top of all the lies ... this cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection in the amount of {$5500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was originally from the City of XXXX and was apparently for an electric bill. I never missed a payment for my electricity and have always paid on time. There was a tornado in the area and consequently the power was out for over ( 4 ) days. I never received any notice that the account was in jeopardy nor did I have any expectation there would be a bill due for this large a sum. I was not aware that this account had gone to collections until I received my most recent copy of my credit report. I have tried to contact the electric company as well as to resolve this issue however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau as well to remove this but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' ve already reached out to this company in XXXX of 2023, and they still didn't fix this. This account that is reporting on my credit report by XXXX XXXX  is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Product: Mortgage

On or about XX/XX/XXXX I received a Home Loan from Chase Bank for {$98000.00} with a {$620.00} Monthly Payment Account # XXXX. On or about XX/XX/XXXX I received a document from XXXX depicted on XX/XX/XXXX was paid in full. I questioned XXXX about this and XXXX sent letter to XXXX about the above and I have heard nothing else. However, I have been paying monthly mortgage payments for XXXX years and XXXX months towards a paid home loan. That amount comes to without interest and penalties XXXX i want it returned or be reimbursed. 

Further, it appears that a second loan through XXXX was taken on the same property, in the amount of {$92000.00} on XX/XX/XXXX that bears my name and signature. And on XX/XX/XXXX Chase Filed a Satisfaction of Mortgage. Yet I continue to make payments. I am attaching or will provide CFPB with a copy of all records I have proving the above, upon request after I secure Log or case number to mail them to your agency
Product: Credit card or prepaid card

Hi. I ordered a XXXX electric toothbrush on XX/XX/XXXX for XXXX. I received it XX/XX/XXXX. It wouldnt turn on and was broke. I called XXXX XXXX XXXX customer service number and they told me due to Covid they are not taking returns or Credits. I disputed this with my Goldman Sachs card. Ive since come to find they have the worst customer service in the business and dont care if you receive something that doesnt work. I have now disputed this 3 times and they keep coming back showing me proof that I received the tooth brush. I did receive it and I keep telling them that. I dont understand how I can be stuck with this product that is broke.
Product: Debt collection

I paid off all of my bills and should not have a collection on my record. Please help.
Product: Student loan

I made an additional student loan payment of {$500.00} to Navient that was posted by my bank on XX/XX/XXXX indicating Navient received my additional payment but did not apply to my student loan amount. They took the money but have no record of it. I have my bank statement indicating I made an additional payment. They have refused to help. What recourse do I have against Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to Account # XXXX with Ideal Collection Service. I recently disputed this item reporting inaccurately on my credit reports with XXXX, XXXX, and XXXX and the item came back verified by your company. However, on the results from the bureaus there is a different address reporting for the item on XXXX and on XXXX. On XXXX the address for the item is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND on XXXX for the SAME ACCOUNT the address is reporting XXXX XXXX XXXX XXXX, FL XXXX. This is information is obviously not accurate and certainly very confusing to the consumer and there are supposed to be by law specific policies and procedures in place for these types of things. I am being harmed financially due to this item and it is being reported inaccurately. Since in my original letter I asked that if the item was not reporting 100 % accurate to please have it deleted and it is not reporting accurately I am asking that this item please be deleted from my credit report.
Product: Mortgage

Hi.. This is a 5 year horror show. My loan was never late. It was paid from an automatic pay directly from my bank account. I was struck with XXXX in XXXX. I asked XXXX/Seterus about a mod. They said I 'd have to fall behind 2 months to apply. ( another story ). So after several months of trying to get off auto-pay, I finally feel behind. $ XXXX/month and I paid my taxes and Ins. Well since then I 've had several Mods. Some were voided because of incorrect info from XXXX XXXX XXXX, others were voided after I successfully made my Trial Payments. They added all kinds of Fee 's and my Priciple and Interest went up approx. {$15.00}. After XXXX years of paying my mortgage, my P and I is {$2000.00} more than when I started.. Now they have offered me another Mod. thru my HUD councillor. I 'm making these Trial payments now, so as to not forclose me. They added 10 years to my mortgage. 10 years. From a 30 year to a 40 years.. I need help.. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX
Product: Checking or savings account

I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.
Product: Student loan

I refinanced my student loans with SoFi in XX/XX/XXXX. The loans were originally federal loans held by XXXX XXXX. The amount refinanced was {$31000.00}. 

At the time, SoFi aggressively marketed their loans, advertising that they could save customers thousands of dollars with their lower rates. They never clearly communicated to me the risks of losing the benefits that could potentially be offered by the federal government : for example the recent laws passed and executive orders signed granting relief from payments and accrued interest, and the possibility of student loan forgiveness. This information may have been in the fine print, but they did not make efforts to make it apparent. I reviewed all the email communications I received when initiating the loans and this information was not presented.

SoFi is now adding this kind of disclaimer to their marketing efforts ( see attached ). This disclaimer is now on at least one of their websites : " NOTICE : Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until XX/XX/XXXX. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. '' SoFi is allowing some forbearance ( 60 days ) now but they are not halting the accrual of interest ( see attached ). 

I believe that by not explicitly warning their customers about the risk of losing these benefits they are engaging in predatory lending practices.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of XXXX ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Product: Credit reporting or other personal consumer reports

Different collection agencies are reaching out about one account. Ive asked for proof and havent received anything.
Product: Credit card or prepaid card

On XXXX XXXX 2020 I received a credit card from US Bank ReliaCard through the mail. However, I never applied for this credit card. I called the US Bank ReliaCard XXXX number ( on back of the card ), asking why they sent me the credit card, explaining I never applied, the woman said there have been a lot of problems, the credit card was apparently sent from Ohio unemployment, but they could not answer how, why, or where my information was used to apply for this credit card They only number they gave me to call. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Equifax to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any credit or any person or entity to be able to check my credit report or credit score. Equifax did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Vehicle loan or lease

On XX/XX/XXXX, Nissan Motor Acceptance Corporation falsely reported my account as 30-days late, in-fact ; the account was paid in full for {$430.00} on XX/XX/XXXX, which can be seen in the screenshot I submitted, which is from my Nissan account. This report was made to the credit bureau, which dropped my credit score by 13-points. For the payment of XXXX, they also charged a late fee of {$43.00}. On XX/XX/XXXX, I paid for the month of XXXX and paid the late fee, and the account is still reported as behind. 

A month or two ago, Nissan had my account listed as past due, and when I called them, a representative told me that everything was fine. During that period, Nissan was calling my phone constantly, and filling up my voice mail. I called to see if anything was wrong, Nissan said it was fine. This was probably in XXXX or XXXX. 

It should be noted that two payments were moved to the end of the loan, which is the month of XXXX and XXXX ; other than that, all payments have been made. Nissan knows my account is current, but they still harassed me with calls, made a lie about my account status to the credit bureau, and charged me a {$43.00} late fee when my account is actually current, and I paid this month 's bill early.