23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I made a purchase of {$10.00} in XX/XX/XXXX. I made the payment on XXXX XXXX from the XXXX account but XXXX said it was made from my closed XXXX account when I inquired about the returned payment and late report to the credit bureaus in XX/XX/XXXX. I made the outstanding balance payment right away, but my issue was that the only reason I found out about the returned payment is that I subscribe to XXXX XXXX XXXX XXXX. I never received correspondence from XXXX about an issue with payment ; I only ever received confirmation that a payment was made. 

When I spoke with XXXX on XXXX XX/XX/XXXX, she informed me that their credit department reached a decision to not remove the late payment from my report. I found this to be interesting. I mailed XXXX XXXX department 3 times since XX/XX/XXXX and now they're deciding that they'll respond to me unfavorably in XX/XX/XXXX? This ruckus is over {$10.00} payment that was confirmed to be received, only to not be notified that there was actually an issue with payment after the fact? XXXX also said that I should have kept checking my account despite receiving official conformation from XXXX that the payment was received. I had not used the card since XX/XX/XXXX for me to keep checking an account that in their own correspondence showed that my account balance was {$0.00}. 

XXXX rather lose a customer of 7 years over {$10.00} than actually admit that their customer service is reprehensible, Every other financial institution I've ever worked with at least sends an email, or calls to let me know if there was a problem. I've also received letters from other financial institutions, even though mail is notable for getting lost or not being delivered in a timely fashion. I sent their credit department THREE letters since XX/XX/XXXX and I am just being notified about their decision in XX/XX/XXXX? Moreover, I provided proof in the form of payment confirmation screenshots and they still insist on negatively impacting my credit report for years. XXXX does not care about their clients. Their behavior is the height of contempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- 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 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

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX, XXXX, and TransUnion. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My ACSXXXX loan is being reported as charge off on my credit reports. 
This account has been paid since 2013.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to PayPal.com XXXX purchases. Have never had issues with PayPal until recently. 

Today I bought {$450.00} in bitcoin. PayPal charges fees to buy bitcoin and to sell bitcoin. I am now unable to send the bitcoin I purchased on their site to send to another merchant. Says that theirs is an error and I have tried XXXX times and keep getting the same message. 

PayPal customer service is absolutely no help whatsoever, if PayPal lets me purchase cryptocurrency on their platform then there should be no reason why XXXX cant transfer to another merchant. My only option now is to sell on their site and rack up more fees and charges to do so! 

PayPal should be sanctioned for these shady business practices and am considering filing a class action lawsuit as after doing more research this is a common matter with this company! My question is why isnt the CFPB doing something about this? 

Absolutely unacceptable business practices!
Product: Debt collection

I have received an updated letter from ERC Collection Company in regard to the XXXX XXXX account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, XXXX XXXX and ERC cashed half of the checks that I kept sending every month and the other half was not cashed. 
However, ERC and XXXX XXXX in the updated letter increased the balance owed. 
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed. 
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!! 
I have copies of the cashed checks by XXXX Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither ERC nor XXXX XXXX are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries associated with my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries were not authorized by me. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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

To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to UN-Freeze my credit report in order to apply for my mortgage. 

Experian is the only bureau that I souls not complete this with. Experians system has locked me out and I can not access my account to unfreeze it. I have called more than 10 numbers with no help. I have mailed in the forms required to Un-Freeze my credit and it is still not working. 

Experian has no way available to reach a human via phone or email to resolve this problem. 

I need experian to UN-FREEZE my credit or I will lose the house.
Product: Credit reporting or other personal consumer reports

One Main Financial XXXX XXXX XXXX XXXX has refused report to XXXX, XXXX, and XXXX to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Product: Credit card

XXXX was sold to XXXX. I had deposited {$500.00} to XXXX and they added a card that would report to XXXX bureaus monthly as a trade line. XXXX promised to refund funds as they were no longer to be in business. XXXX has yet to refund funds as stated in emails. XXXX does not respond to email and or phone requests for an update. 

XXXX owes {$500.00} back. Many other consumers have been affected by their failed business practices.
Product: Vehicle loan or lease

I don't have the orginal paper contract but I got documents contract from the dealer and my lender copy of contract that they got from dealer is XXXX different set I refuse to baild the XXXX contract that I never seen before when I purchase the car I only seen it this year when they repossession my car and lender gave me documents and their copy of contract is all esign which I denied and they use our name the way they want which is XXXX without our knowledge and wr never esign anything our orginal contract that dealer email me the copy intentionally blank those page that contract term and agreement and intentionally use the XXXX contract that all esign ND new term of agreement than the orginal and they stated our name XXXX XXXX that we never consent or use that format name XXXX that they choose how to out our name XXXX and why do I have to honor XXXX contract that they use and took our name XXXX different order as they want and hold that contract vaild that. I firmly disagree and refuse to accept that contract that create without being present there we drove the car from the dealership XX/XX/XXXX same date as originally contract but lender contract is dated XX/XX/XXXX all esign that we never did and dealer finace XXXX stated that esign is u pretty much signing it but u not acutally signing it but u tapping it all the place that needed esign so they say we just be present to tapp the device to esign and we never sign any device XXXX but they create a whole XXXX contract on XXXX esign that I had no idea about and for them to add gap insurace we must sign in the box gap in order to add we never did as show in orginal contract but they esign the gap box in the XXXX contract this whole is a fraudulent breach of contract now it show that they can makeup anyway contract they like and esign any customer name that they want and start taking people possess car
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card

Used my " extra good '' AA Citi Mastercard credit card for a large purchase knowing that this card has extra good purchase protection. When I submitted my claim, because I never received the product I ordered, they said it was barely out of the date range so they couldn't cover the +/- {$7500.00} purchase / rip-off
Product: Mortgage

We entered into an order in XX/XX/2015 that included all funds owed to the creditor PHH in bankruptcy court. The agreed amount was {$270000.00}. We constantly get statements that are incorrect. The most current statements shows an incorrect escrow and 6 missing payments although no one at the company will provide a payment history. We were told today that we needed a lawyer in order for them to speak with us. I have been interacting with them for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST EXPERIAN. EXPERIAN REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT EXPERIAN IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS EXPERIAN IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). EXPERIAN NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING ( TWICE ) ON MY CONSUMER REPORT WHICH IS OBVIOUSLY INCORRECT DELETE THESE DUPLICATE ACCOUNTS. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LIST ARE CHARGED OFF ACCOUNTS AND CONSIDERED GROSS INCOME AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY XXXX SCORE WHICH IS FALSE MISLEADING AND DAMAGING. DELETE XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX XXXX DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS FOR TAXABLE GROSS INCOME ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY REPORTING YTHIS SHOWS THERE ATTEMPTING TO " GET DOUBLE ENRICHMENT PAYMENTS " WHICH IS UNLAWFUL. I have ASKED FOR RE-INVESTIGATIONS OF ALL these issues ( 3 ) times prior and have THESE CFPB DISPUTES ON RECORD AS " verified " but AFTER SHOWING THE FCRA LAWS BEING VIOLATEDAND NOT COMPLIED ACCRDING TO THE FCRA HOW CAN EXPERIAN KEEP BEING ALLOWED TO REPORT THIS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE EXPERIAN WILL NOT COMPLY TO THESE FCRA CONSUMER REPORTING LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS EXPERIAN IS GUILTY OF BREAKING WITH THERE REPORTING. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN EXPERIAN WILL BE COMPLYING WITH THE FCRA WITH MY CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

I am writing a complaint against Cash App ( block.ink ) due to inadequate customer service and unfair practices which violate the Customer financial protection act. ( cfpa ). Specially, cash app failed. To take timely and effective measures. Prevent. and address. Fraud on their platform. Leaving my account vulnerable and unprotected furthermore the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused. Significant inconvenience. And financial loss. And I seek appropriate redress. For these violations.
Product: Debt collection

I have an outstanding derogatory balance on my credit card statement, while I have been on-time with close to XXXX % of my payments that I have ever been bound to. This debt collection company has never made an attempt to contact me via phone, mail or any other means of communication.I suspect that the balance has been subject to excessive charges if it is in fact my debt or it is a debt that is due to identity theft or other unauthorized activity.
Product: Debt collection

Midland Funding LLC claims I owe a debt in the amount of {$950.00} to Midland Funding LLC via XXXX XXXX And XXXX. 

Upon research of Midland Funding LLC, it appears the company IS NOT authorized to collect money or debts in the state of Georgia where I reside. This is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692. 

There was a legal claim against me. I dont know who this company is. Also, 80 % of the submitted documentation has been blacked out. It shows purchasing of multiple accounts from Midland Funding with my information simply added into a different, attached document ; not otherwise related to one another. Also within their Exhibit 4, there is no signature or other proven agreement stating ANY of these are in fact, my accounts with XXXX XXXX, XXXX, XXXX or Midland funding LLC. Additionally, I HAVE NOT BEEN PROVIDED proof that there is ANY agreement between myself and Midland Funding LLC. This is a CLEAR violation of The Consumer Protection Act and the FDCPA. 

The actions from Midland Funding to collect said debt via civil suit, letter, and calls are harassing, aggressive, deceitful, and continuously causing undue stress and constant paranoia every time my phone rings with an unfamiliar number or a stranger comes to my place of residence. Further correspondence from Midland Funding LLC will result in me taking legal action against Midland Funding LLC for violation of the Fair Debt Collection Practices Act, the Servicemembers Civil Relief Act ( SCRA ) ( family member ) and will seek all available damages and remedies.
Product: Checking or savings account

I used Capital One 's bill pay service to mail my rent payment for XXXX on XX/XX/XXXX. The amount deducted from account on XX/XX/XXXX was {$1800.00}. The payee did not receive the payment and notified me on XX/XX/XXXX. I contacted Capital One and was told to file a claim, and the money would be returned to my account in 3 to 5 business days. Today is XX/XX/XXXX and I have not had the funds returned to my account. I have made numerous calls to Capital One and have been told it would be 3 to 5 business days, and also 10 business days ( I had never been told the 10 business days until my calls on XX/XX/XXXX, and XX/XX/XXXX ). 

Capital One will not give me an answer in regard to when I will have my money back in my account. I now face eviction from my house. I must pay the rent before XX/XX/XXXX and I have to pay a late fee of {$360.00}. 

I want my money back and Capital One needs to pay the late fee. 

I get no help from them when I call.