23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

+My PayPal card was stolen from my possession and someone withdrew {$200.00} twice out of my account after I had gone to a local store " XXXX ''. It was turned into local law enforcement. 
PayPal then reimbursed the withdraws that were done at two separate " XXXX XXXX XXXX ''. One was in XXXX Iowa XXXX and the other was in XXXX Iowa XXXX. Both were for {$200.00} plus the withdraw fees on each withdraw of {$5.00}. 
Now Paypal is expecting me to pay them back for them even with a police report due to the fact that I checked the balance before my visit to XXXX and after the withdraws from XXXX XXXX XXXX.
Product: Debt collection

There false deceptive practices and Harassment has continued calling and mailing my home Wakefield agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want Wakefield to honor the agreement that they broke on ... ... ... ... .... XX/XX/year> and XXXX by contacting me again. This is the 4th time unfortunately you have broke the agreement you owe me {$10000.00}. Wakefield please keep all record of the 3 phone calls conversations you falsely said we had but we never talked.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

On XX/XX/2022 XXXX charged my CashApp card for a cancelled subscription. I contacted skillssuccess immediately and was advised I would not be receiving a refund even though Ive never used their services or intend to use there services. I advised I would dispute with my bank. I then filled out the dispute with CashApp on the information that I was charged after a subscription was cancelled. CashApp then responded by stating the the transaction followed protocol and they were denying my dispute. Based on their response, I feel that CashApp has violated the law by denying my dispute. I have reached back out to CashApp to advise them I have filed a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously keep reporting a loan thy was closed and sent to a third party debt collector as a collection account. Debt was paid in full through debt collector.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late pay listed for the month of XXXX, 2018 The payment was made on time. I called the creditor to discuss my issue at the time and made payment as promised I have tried to resolve this issue with Barclays in the past but was denied. 

Please note my prior history there has been no other late pays in the several year history of the card. 

I have always paid my bills on time. I am certain I paid the XX/XX/2018 bill on time Thank you for your help.
Product: Debt collection

I have been repeatedly contacted by this company and told them that i was not happy with the serviced provided in less than a year i had to return two devices to them and was repeatedly over charged the calls were so frequent that i had to change my number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

ACCOUNT NAME:  XXXX XXXX 
ACCOUNT NUMBER: XXXX XXXX XXXX XXXX  

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED XXXX ON EQUIFAX, XXXX  AND XXXX.
XXXX XXXX XXXX XXXX XXXX WHO REPRESENTS XXXX XXXX XXXX  PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXX. BUT YET EQUIFAX XXXX  AND XXXX  SHOWS XXXX. XXXX XXXX XXXX  RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX  XXXX XXXX XXXX  SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN COUNCIL XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS XXXX XXXX XXXX THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A States that 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

Corrected wrong account with XXXX Monday XXXX XXXX Auto Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX  Data XX/XX/2021 XXXX Fair XXXX and debt to income wrong. Transunion sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.
Product: Mortgage

I have been paying my mortgage since 2014. Recently i changed my banking institution and updated the new info in the NewRez portal. For some reason, the update did not work on their systems, and I was not notified. They reverted to my old information and tried to draft payment from my old account. This caused an NSF fee from both sides ( my old bank and NewRez ). Not only did it cost me money, but now, if I try to set up the autopay option, they will not let me do it. I have to make 6 payments in a row in order to " deserve '' autopay. It has been proven by academics and the industry in general that having an autopayment setup decreases the risk of missing payments ( some banks even promote it with lower interest rates ). I think this new restriction from NewRez is designed to increase the chances of missing future payments from low risk customers. I think they do it on purpose to get more NSF fees and boost earnings.
Product: Credit card or prepaid card

I purchased a laptop on XXXX  on XXXX. The item never received even though the tracking info said it did. Filed dispute with XXXX as my card purchased it via XXXX. XXXX declined because I had disputed it with AMEX. The seller, who has been delisted due to fraud never responded to my communication. XXXX sent an apology that I never received the item. Again, they delisted the seller XXXX. I have disputed this twice with AMEX and all they do is say that the merchant provided documentation that it was sent and delivered. I spoke to the postmaster at our local Post Office. He said this is a scam where the seller sends an empty box to  another address in the same zipcode so that it can show delivered. 

USPS tracking # XXXX I am not, let me repeat NOT paying for an item that was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX Complaint before Filing a Lawsuit against TransUnion and XXXX! There is a fraudulent account on my TransUnion and XXXX XXXX XXXX with XXXX XXXX, Account Number : XXXX, also known as XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( the way it is reported on my XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the report is not included on my consumer report. TransUnion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$870.00}, XXXX XXXX XXXX Balance Owed : {$3600.00}
Product: Credit card

There are 3 different credit cards that were opened and XXXX out during my time XX/XX/XXXXwith XX/XX/XXXXXXXX XXXX. I was arrested XX/XX/XXXX and released XX/XX/XXXX the credit cards Im disputing were due to identity theft. Their is a XX/XX/XXXXXXXX XXXX, and a XX/XX/XXXX XXXX opened after my date of incarceration and maxed out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Can not stop Experian email alerts. Tried to call to cancel " membership '' but seems impossible. Can never get to a human, just a constant loop of automated responses that do not allow me to cancel membership and stop alerts. Also see no way to cancel membership online. multiple calls and searches online today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

At this point, Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.
Product: Credit card or prepaid card

A purchase was made through home depot website in XXXX through opening a new credit card promotion ( which is 10 % up to XXXX dollars ). The order is submitted and delivery is scheduled soon after. In 2 weeks, early XXXX, I called Home Depot Credit Card service to inquire about my XXXX dollar rebates. The customer service replied that it will be applied within 2-4 weeks. Late XXXX, website posted the charge without the promotion. I called again and got the answer that a report will be submitted and I should get it within 2-4 weeks. I called a second time after not seeing any changes and was informed that the promotion is denied because the charged is posted few days after 30 days marks outside of the promotion window. The supervisor submitted a report again. In XXXX, I called back, another supervisor said that the promotion is denied the second time due to 30 days and the decision is final. The supervisor does not care about when the purchase is made, order confirmed or shipment schedule. The transaction date that is completed controlled by Home Depot dictates the promotion so the Home Depot can practically control whether the promotion can be paid out or not.
Product: Credit reporting or other personal consumer reports

Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX  XXXX New & Used Tires The financing company is called KOALAFI ( West Creek Financial DBA ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used KOALAFI to finance anything. I have already filed a police report about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX someone somehow was able to withdraw {$900.00} from my EDD Bank of America debit card. I discovered this on XX/XX/XXXX while talking to a bank rep. We canceled the card immediately, I then filed a claim with fraud team. I also filed a police report with XXXX XXXX XXXX CA. I am very stressed out, I have received no follow ups by email as the bank said they would, not even a auto generated email with the details of my claim # XXXX BofA, please help me to get my money
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on the matter of several remaining fraudulent inquiries that I have diligently disputed on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 605b, credit reporting agencies are mandated to remove and block any inquiries or items listed on an identity theft report. I am requesting your assistance in ensuring the removal of the following fraudulent inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I intend to update my credit reports within a XXXX timeframe and expected these remaining XXXX fraudulent inquiries to be expeditiously removed as per FCRA guidelines XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail, return receipt to EXPERIAN, XXXX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not work for XXXX XXXX anymore this information should be removed from my credit report immediately! I work at XXXX XXXX in XXXX, Kansas now! I do not work for XXXX XXXX anymore!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my deceased grandfather 's mortgage on my credit report. We clearly do not have the same Social Security Number, Date of Birth, and living status ( he passed away and I am still alive ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ac autopay is a motorcycle company that doesnt exist any longer. Also they have reported on my credit that they sent it to a collection company spoke to the company and they told me that they have given the account back to the original company. But now that company isnt answering or responding because that company is closed. Need this off my credit to pursue the home of my dreams.
Product: Mortgage

My new lender ask for the payoff on my mortgage. They inflated the payoff by XXXX Their calculations were inflated. My payoff without interest was XXXX after interest they charged me for 2 months interest instead of 1 they added XXXX to my payoff on my loan.my monthly interest was XXXX last month. The final Payoff was XXXX The Loan was paid off on XX/XX/2020