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

I attempted to use PayPal Pay in 4 installment service. They rejected me for multiple reasons, each and every one of which was an outright lie on the part of PayPal. The only blemish on my record was a payment that I asked them to cancel, which they refused to do for vague and incoherent reasons. I had already brought this up to them and they refused to do anything about it. I do not accept lies and half- truths as justification for adverse financial action to be taken against me. For that reason, I demand that PayPal refund me any and all service fees that I have ever paid them. In addition, I demand they reopen my application and allow me to use the pay in 4 service, at the very least, they must provide a justification for rejecting me that is factually correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and requesting TransUnion to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/22
Product: Checking or savings account

I linked a few of my bank accounts to Current bank so that I would be able to send funds to and from those accounts in the future. Current Bank responded by suspending my account and blocking access to all my funds and the account. I tried contacting support through their only support channel which is email. I've send many emails, and I haven't received a response for a long time. I need access to my account, and I have a return of a XXXX purchase which has funds being returned to my Current card. I also paid for a service which allowed me to have a teen checking account linked which is now no longer active since I've been locked out of my account. I paid for a year of this service, and now neither me or the joint account holder can access our accounts. This is unacceptable, and no bank should ever be able to freeze funds and give no response or reimbursement for the funds.
Product: Credit reporting

My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see XXXX different names and XXXX different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains XXXX points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either please help
Product: Mortgage

The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to TransUnion and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Danco Financial still shows up on my credit report and has been the cause of denied credit due to it showing up as a repossession. This account should have been resolved in a previous bankruptcy started in XX/XX/2012, but it still shows up as account closed, not settled or satisfied. Also, my name shows on two reports as having a middle initial - I have never had or used a middle initial of any kind in my life. Additionally, I see an address in XXXX, NY where I never lived. This makes me think someone used my name with that address or received goods or services in my name with that address, I don't want to be or should not be responsible for that account/debt at all. I need help paying for medical bills, but have tried to increase my credit score and I'm hoping that removing these negative things will help to increase my score and or at least have me listed as the correct person on future reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I noticed a drop in my FICO score from XXXX to XXXX. I investigated what caused the drop and discovered that XXXX had reported my account as delinquent at least twice over the last few months. I paid my XXXX card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired XXXX card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the XXXX account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my credit score. 
It is my belief that XXXX intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is XXXX and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both XXXX for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my credit score, or the {$48.00} XXXX charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my credit score means nothing to these behemoths.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...
Product: Credit card

Informed company of inaccurate, inconsistent and non compliant information being reported to XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX Bank XXXX XXXX XXXX XXXX in XXXX and Bank XXXX XXXX Account XXXX in XXXX, Has violated my rights. 

XXXX XXXX. XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states as a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX. XXXX : A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking credit consumer reports and found fraud
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX and was denied because of Chex systems. I reached out to Chex systems in regards to the matter. I was sent a letter stating that I had an account with XXXX  XXXX XXXX in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted XXXX  XXXX XXXX on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to equiax showing them that the below mentioned collection agency XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX owned by XXXX XXXX XXXX at the time ) that a debt was included in my Chapter XXXX bankruptcy. I included a list of creditors showing that the apartment complex was listed but it still shows on my report and someone still tries to collect on this debt that was discharged over 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report account with Experian has been compromised. My name online is inaccurate it says XXXX if you pull a report vs my hyphenated name. It has been happening like this off and on mostly this year Experian has been reporting my name as XXXX or inaccurate. They blame XXXX and XXXX XXXX another area with issues.Someone changed my email address and locked me out of my Experian account again. I just noticed During a period of time they also changed my address to my previous address XXXX I haven't lived there since XXXX. It's to easy for others to manipulate and get into Experian - you just need social security and any other information and its system will change all your info except social I had to recreate account in order to get back in Experian. Also, Under my credit union there was a link saying card linked.. It said XXXX cash back for educators - it was a credit card. I tried to get all this mess rectified but some had suspicious activity while calling Experian- it seems reps were making the corrections as we spoke .. and she asked for online email address and phone.. I called several times and couldn't progress. Automated compromised also. Calls intercepted and automated repeats or goes forward without any info etc... I don't know how to get Experian to correct my information and protect the online account- they need a better system. Someone breached Experian over and over. I called XXXX  and spoke to several people in diff department- I was told that there were 5 accounts in different names with last four of my social security number..- she said that's possible- I don't believe this- she assured me it was or that it changed.. Something odd is happening and its Experians responsibility. Another thing is improper use of online account - I received an Experian email and it had credit card balance in it. ' Good news your XXXX available credit could be higher..? My last Experian complaint wasn't resolved either- they had to change my address then because I didn't receive anything at all- my ok latest letter stolen with loan documents student date other information. T he ere are many more issues XXXX percent sure there is some type of infiltration, hacking or something with Experian..My freeze was removed and I had to put it back on.. and loans on my XXXX XXXX XXXXXXXX were in then off then back on for XXXX XXXX - between last dispute and now - someone has been busy doing in background on Experian especially & modifying my info and pretending to be me- identify theft.. the name XXXX is being used out there and I'm being set-up having to clear my name. And make corrections everywhere because of Experian inability to recognize a major BREACH.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$32000.00} XXXXXXXX XXXX XXXX  Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX Transunion And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I started receiving emails about my new Wells Fargo account. I do not have a Wells Fargo account and I did not open one. I assumed it was a phishing email. On XX/XX/2022 I received a bank statement in the mail from Wells Fargo. I have called them numerous times and selected the phone options for fraud. The call goes to a regular account person who says that the account is definitely fraud and that they will transfer you to the fraud department only to remain on hold for hours. After a ridiculous wait time, someone finally answered and claims that they will fill out a form that they will look into it and perform an investigation and that they will resolve the issue IF they find it was fraudulent. So now I am hoping and expecting that the same company who has been found guilty by congress of opening fraudulent accounts without the consumers knowledge or approval to do the right thing?
Product: Credit reporting or other personal consumer reports

Complaint Regarding Failure to Remove Identity Theft Information from Credit Report Consumer is writing to file a formal complaint against the credit reporting agencies XXXX, Equifax XXXX XXXX for failing to remove fraudulent information from consumers credit report, despite consumers repeated requests and compliance with all necessary procedures. 

On XX/XX/XXXX consumer discovered that they were a victim of identity theft. The fraudulent activities have severely impacted consumers credit report, and consumer has been diligently working to have these items removed. To this end, consumer filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX, and provided copies of this report, along with other supporting documentation, to the credit reporting agencies. 

Pursuant to 15 U.S.C. 1681c-2 ( the Fair Credit Reporting Act ), the CRAs are required to block the reporting of fraudulent information resulting from identity theft within four business days of receiving proof of the identity theft, a copy of the identity theft report, and an identification of the fraudulent items to be blocked. Despite meeting these requirements and making multiple requests, the credit reporting agencies have failed to comply with this legal obligation. 

The failure to remove this fraudulent information is not a matter of negligence or oversight but constitutes willful non-compliance with the FCRA. This deliberate disregard for federal law has caused significant and ongoing harm to consumers credit standing, financial well-being, and peace of mind. 

Under 15 U.S.C. 1681n, consumer is entitled to seek damages for this willful violation, including actual damages, statutory damages, punitive damages, and reasonable attorneys fees and costs.

Consumer has contacted the credit reporting agencies XXXX, XXXX and Equifax and provided all required information, yet the fraudulent items remain on consumers credit file. This failure to act is causing continued harm to consumers credit score and financial well-being. 

Consumer is requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit reporting agencies immediately comply with the law, remove all fraudulent information from consumers credit report and credit file, and prevent further damage to consumers credit standing. 

Requested Resolution : 1. Immediate removal of all fraudulent information from consumer credit report, in accordance with 15 U.S.C. 1681c-2.

2. Confirmation in writing that the fraudulent information has been removed.

3. An investigation into the credit reporting agencies non-compliance with federal law.

Remedy for non compliance of {$5000.00} pee 15 usc 1681n! Through electronic funds transfer. 
Account # XXXX Routing # XXXX Thank you for your prompt attention to this matter. 

Personal Information : Full Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXXXXXX XXXX # XXXX XXXX Texas XXXX Phone Number : [ XXXX ] Email : [ XXXX ] Credit Reporting Agencies Involved : [ XXXX, XXXX, Equifax ]