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

I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive discovered inconsistent and inaccurate information with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with Equifax for a long period of time. Equifax is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. Equifax was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by Equifax, that the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC Equifax is liable to follow certain rules under the Equifax XXXX File Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX. Equifax is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from Equifax, XXXX well as XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an email from PayPal that I was transferred {$70.00}. The email gave me the options of an " Instant Transfer '' for a fee of 1 % or a " Standard Transfer '' for a {$0.00} fee. 

When logged in to my PayPal account, PayPal did a bait-and-switch on fees. The " Instant Transfer '' fee is 1.5 % and the " Standard Transfer '' fee is {$0.00}. 

This is the second complaint on this matter. Back in XX/XX/2022, PayPal promised the CFPB to fix the issue. PayPal has not fixed the issue. 

The CFPB needs to inquire with PayPal on how many emails and communications go out to consumer showing a 1 % " Instant Transfer '' fee while charging 1.5 % on their website. This could amount to millions of extra dollars PayPal is receiving as a bait-and-switch tactic on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By Experian reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : EDFINANCIAL SERVICES Account number : ( as reported ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Experian contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. experian has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. The accounts i have reported as inaccurate are attached as documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. EMS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

I told LVNV FUNDING To provide me with the contract between me and them where I have agreed to pay them any amount of money and they have refused to provide me with it, they keep telling me that this account is mine and that I have to pay them. I told them that this account was never opened by me but it seems like that doesnt matter to them at all. I filled out an identity theft report and I am attaching it to this complaint. XXXX is also telling me that they have verified this information which I know that isnt accurate. Also XXXX is reporting this XXXX  account on my credit report that was not opened by me and I want them to do a complete investigation on this matter.
Product: Checking or savings account

On XXXX XXXX, XXXX at approximately XXXX I went to the Bank Of America Drive Up Teller located at XXXX XXXX XXXX, XXXX XXXX NC XXXX. I went to cash my payroll check as I normally do. I was told by the XXXX XXXX that there was a {$1000.00} limit at the drive up teller. I have cashed my check multiple times at this drive up location and have never been told before about this limit. I then told him no worries I would use the ATM for Teller Assist. I went and waited in line for the ATM then proceeded to use Teller Assist to cash my check. I was greeted by XXXX from Teller Assist on XXXX XXXX at XXXX who proceeded to cash my check. She had me verify the information and asked me if I would like a receipt with check image which I did. She placed me on hold and came back after several minutes and told me that she could not verify my check and I would need to go into the financial center. At this point I was very frustrated and asked for her supervisor, she then simply hung up the session without letting me talk with a supervisor. I went into the branch and expressed my frustration with the teller and asked for XXXX the branch XXXX to give me a call which he never did. I called into customer service to express my concerns and asked for a follow up. No one ever contacted me. I called back on XXXX XXXX and spoke with an agent and supervisor who again forwarded my complaints to different places but informed me they could not promise a followup. My check is a payroll check from XXXX XXXX XXXX, XXXX. my employer which is a check that is drawn on Bank of America at that very location I went to. I have issues cashing my check here with delays nearly every XXXX and XXXX of the month that I go here to cash my check. There are no issues with the business account as I am the book keeper for the business so there are no excuses why I have to keep experiencing the types of delays I am. If Bank of America wants to continue to cause me delays twice a month then they need to schedule a meal to be served to me because my time is valuable and I 'd rather not be spending my short lunch break trying to deal with the tellers and having to wait unnecessarily. Since this is a Bank of America check and I 'm an account holder it is pretty egregious to have me jumping through all these hoops to cash a check twice a month. I 've attempted to resolve these issues with Bank of America to no avail.
Product: Credit reporting or other personal consumer reports

I have heart inquiries. Credit charge to my account that I did authorize. Light payments that charges that aren't correct. I've tried to get him correct, contacted. Experian, i've contacted the debtors and they're still on there that's incorrect information.
Product: Mortgage

Purchasing the house on XX/XX/year> with lender company XXXX mortgage company and they asked me the first two payment. I have to mail it to them. 
So this company has been transfer the service to the other company, which is Shellpoint without tell me anything. 
After that, Shellpoint try to contact me regarding make a payment, but I have no clue about them. 
After making the two first payment to the XXXX, which is mean in XXXX, they contact me and they told me about Shellpoint, but its too late because Shellpoint they reported payment missing for XXXX and XXXX and they dont receive any payment after contact XXXX about that they send the money to the Shellpoint For XXXX and XXXX, but Shellpoint report to my credit card report which is mean payment missing in fact I make a payment on time so after investigation with the XXXX and Shellpoint they told me the person who was take my payment and work on my case, she is a quit And she didnt send me the letter to explain to me make a payment to the Shellpoint however, I am lost between them
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know specifically why Experian dropped my credit score by 56 points in one month ( XXXX to XX/XX/2018 ). I particularly want to know how this scoring factor works : " Open real estate account balances are too high compared to their loan amounts. '' Does this mean that I'm not paying off my mortgage loan fast enough? I've never heard of such a scoring factor before. If Experian is essentially requiring consumers to pay their mortgages faster than required, that is outrageous and should not be allowed. I called Experian on XX/XX/18, but they could or would not answer any questions about scoring factors. Nothing in my credit situation has changed, so I'm very concerned about this dramatic decrease in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im this letter I have proof of the Inaccuracy and violation from Experian to my credit report the information dont match and is inaccurate with any other credit report
Product: Debt collection

I received a phone call from a XXXX XXXX at Rent Recovery Solutions on XXXX XXXX, 2015. They claimed that I owed their client XXXX XXXX XXXX XXXX apartments in XXXX, AL XXXX {$50.00} from over a year ago and that this unpaid balance had gone into collection. I explained to XXXX XXXX that I paid this balance when I moved out. I also faxed Rent Recovery Solutions a credit card statement proving that I paid this balance to the XXXX. I called XXXX XXXX back after sending the fax and she said she would take a look at it and contact the XXXX. She said that she would contact me again if there were any problems or if any other information was needed from me. I made it very clear to her that this debt is false and that I DO NOT want this on my credit report. I made it very clear to her to CALL ME if this error was not resolved. I never received a phone call back so I assumed this was taken care of. Well I just checked my credit report today ( XXXX XXXX, 2015 ) and of course this collection is now on my credit reports, drastically reducing my scores. I have called Rent Recovery and keep getting sent to voice mails and transferred around. They KNOWINGLY reported this FALSE debt on my report, even after I sent them information proving it was paid.
Product: Debt collection

I had a contract with XXXX XXXX XXXX. It never stated I couldnt break the contract due to a permanent change of station. I lived in the home for XXXX years ( XXXX XXXX, but was forced to relocate by the XXXX to Texas. I informed XXXX and tried to cancel. I would stay on the phone for hours before being hung up on. I tried reaching out through text messages as well. Instead they kept charging me and said I owed {$700.00} which I couldnt afford at the time due to military movement. They recently reported it to the credit bureau affecting my credit score. I went from high XXXX to low XXXX when I have always paid everything on time. Please assist.
Product: Credit card or prepaid card

I applied for an Amazon store card on the XX/XX/2019. I had a filled cart with about 1,900 dollars worth of stuff to price compare it vs other places to find the best deal. When I looked through my chart to ensure I had everything I wanted, the top had a special offer saying finance this payment over 12months with no interest! Apply now! I decided being able to get a card that lets me finance everything I wanted at one time at Amazon I'd be willing to invest in getting a card like that ( Credit score wise ). Let 's me buy my bulk of my yearly Amazon purchases, then pay it off in 4-6months rather than shopping sporadically. Specifically stated only works on Amazon related products. NOT Amazon manufactured products only. My understanding was it would work to finance any payment that you could get with Prime that was sold directly by Amazon. Especially since the top of the cart specifically stated it would let me finance this order that way. Upon getting approval for the card I went through with the transaction and choose the special financing option that specifically said it allows me to make equal payments over 12 months with 0 % interest. My order went through and I received my e-mails letting me know when everything was going to be shipped. About 4 hours later I get an e-mail from Amazon support wanting to verify my billing information, by asking me to provide my full name, billing address, and the card used in the transaction. They also informed me they locked my entire account. I could not even log into the account to do a live support chat, and they completely removed the order from my account. The only evidence I have that I ever purchased anything with the card is through the order confirmation e-mails. Upon getting my account reactivated 24 hours later I find that the store card is completely removed from my account and XXXX sends me an alert that there has been a change to my account showcasing that I requested a retail loan from Amazon. As of XX/XX/2019 I had a XXXX  score of XXXX. There should be little to no reason I am EVER declined for a loan of any kind that is less than 2,000. Unfortunately it appears that the card does not actually work as advertised to me. I was told it was usable right away and the card was directly added to my account after being approved. Rather than being able to finance a payment to pay it all off in 4-5 months it directly notified Amazon to lock my entire account and remove the card from it. I can't even add it back to my Amazon account. It was also my preferred payment method so it didn't even charge my backup card, which could of easily covered the order. So now I'm stuck with an Amazon store card that doesn't work as advertised to me, a card that I and Amazon support can not even add BACK to my account for 7-10 business days. The only value it has is 5 % cash back on Amazon purchases but that is utterly worthless considering I have a cashback card from XXXX that does the exact same thing. Live and learn I guess, just be super careful taking out an Amazon store card!
Product: Money transfer, virtual currency, or money service

I bought a 3 pair of shoes from a private seller I found on XXXX XXXX  and he added his XXXX phone number to contact him. After days of talking with the seller I bought the products on XX/XX/2020 via Western Union with amount of {$630.00}. I received the product on XX/XX/2020. I contacted the seller for a return since I didn't like the quality of the product but he didn't want to cooperate with me. So I filed a dispute on my XXXX credit card which was used to pay for the Western Union transaction. However, on the XX/XX/2020 Western Union didn't grant my dispute even I submitted documents for evidence, and just advised me to contact the seller again since it can't be disputed anymore. I contacted the seller on XX/XX/2020 but he still didn't want to cooperate.
Product: Debt collection

They have harassed my family and friends with multiple calls and text messages a day whos numbers were not provided in any way, as well as called myself multiple times a day from different phone numbers. I have already requested that all communication of the alleged debt be provided in paper form. The calls often frequent upwards of 5 times a day if not more. They have previously been provided my current mailing address and refuse to change form of communication. A voicemail received from a family member on XX/XX/22 stated that I was the last attempt to reach information for XXXX XXXX, but they continue to harass with phone calls
Product: Debt collection

I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX, XXXXXXXX XXXX Employer - XXXX XXXX  Employer XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

RENT RECOVERY SOLUTIONS, LLC has been harassing me for over 2 years. The first letter I wrote to them was a debt validation letter in XXXX of XXXX. They never validated the alleged debt. Ive filed numerous complaints through the CONSUMER FINANCIAL PROTECTION BUREAL and to the Attorney General. I've sent them an identity theft report and a notarized affidavit. This is beyond stressful. I have had to get a XXXX  because the XXXX XXXX XXXX XXXX  This account came on my consumer report when my apartment caught fire and I needed to find another home and I couldnt because this looks like I owe a rental company that I dont. I just want RENT RECOVERY SOLUTIONS, LLC to stop harassing me and violating the law. I also sent them a cease-and-desist notice XXXX of XXXX and they still wont stop with the harassment and abuse. I feel like Im being attached in an abusive relationship again. Its too much!
Product: Credit reporting or other personal consumer reports

I went on Transunion to create an account. I created the account but was unable to get in, it promted me to call them so they could lift the hold. When I called, they said the social security number had been reported as fraud, I said when, she said just now! 

I said no way. How? I just created that account with my social and it also recited the social back to me and prompted me to move forward, once I did that, I was prompted to call. 
She said you have been BLACK LISTED! I said I have never heard of that? Id like this to be investigated, because I have had this social security number for all my life and TODAY all of a sudden it doesnt belong to me? yeah right.