23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was sent to both TransUnion & XXXX that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed
Product: Bank account or service

have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.
Product: Debt collection

A court summons was presented to my family at my former address in Illinois. The plaintiff is listed as XXXX XXXX XXXX through their lawyer : XXXX and XXXX XXXX. Attorney of the XXXX, located in XXXX XXXXXXXX XXXX  suing me in an amount of {$4500.00}. I am currently in a debt consolidation program so I contacted the debt consolidation however the amount listed and the plaintiffs name ( Velocity Investments , LLC ) is not on my credit report of a debt I owed. I searched for XXXX XXXX XXXX and called them to inquire about the original creditor, spoke to a representative who could not locate my debt in their system, he proceeded to try to collect information from me with the excuse of trying to verify my information, the same information he could not find in their system, I felt I was being coerced into giving them my personal information, he proceeded to tell me even if I work with a debt consolidation company the damage on my credit will not go away and it will stay with me for ever and that they can help me to remove it, so I asked him if he is referring to the same debt he has not been able to help tell me who the original creditor is, he ignored me and proceeded to ask for my SSN, I felt this could be a scam to fraud me so I hanged up the phone.
Product: Credit card

PayPal credit and PayPal debit services disposal of my account with a negative balance of - {$270.00}, stated that it was from PayPal debit and money was transferred to my bank account instead. My bank statements does not show money was sent and I inform them that I do not use PayPal debit services I use PayPal credit.

Looking further within my statement I noticed that there was a purchase from Walmart from XXXX XXXX  in this amount and I am located in XXXXXXXX XXXX XXXX. 
Inform merchant and PayPal services that my account has been hacked and requested to open investigation to have my account reviewed and reopened.

No response yet from either party. I am reporting fraud waste and abuse fraudulent activity on PayPal account.
Product: Credit card or prepaid card

Im writing this complaint since I have no other way to solve problem with XXXX. The problem is following : On XX/XX/2021, I made a transaction with XXXXXXXX XXXX  XXXX for {$8800.00}. However, I never received the order in full. I got 5 % of the order and most of them are damage during shipping. The product I order is hardwood flooring and vinyl so I can remodel my house. I tried to contact XXXXXXXX XXXX XXXXXXXX but can not solve the problem. At first they told me to return the damage items to the store to get the refund. I told them I can't bring them to the store since they are oversized and heavy. They told me to send them photos, I sent them and they told me to throw it away, recycle it. They promised to give me full refund on one email ( attached ). However, they never processed the refund. I made a dispute with American Express XXXX XXXX ). Since its a credit card, I should not be liable for this type of charge. American Express resolved the case in my favor at first and eventually reversed the credit for no reason. Now they say that they can not continuous the dispute because of the time frame ( XXXXXXXX XXXX XXXXXXXX always try to delay the response ). Despite that fact that all the information are clear. 

Please help me get the refund back.
Product: Payday loan, title loan, or personal loan

Reference XXXX & Reference XXXX I extended credit through AMERICAN EXPRESS COMPANY XXXX XXXX XXXX XXXX and was denied the right to use my credit in connection with my application for a PLATINUM CARD. I could not bargin for consideration with the application I was provided. When I filled out the application there was no provisions that allowed me to opt out of having them look at my consumer report, and stop them from sharing this extension of credit with the consumer reporting agencies and leaving a negative inquiry in attempts to tarnish my financial reputation and good character. Obtaining non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX are all conspiring to collect on this extension of credit through unlawful extortionate means. If there is any further adverse action taken to deform my character and tarnish my financial reputation and exercise my right to extend credit, I will file suit for intentional infliction of emotional distress.
Product: Debt collection

On XX/XX/XXXX, the XXXX XXXX Credit   Card/XXXX  and the Suttle and Hammer, P.S. (  collection agency ) at XXXX XXXX, XXXX, WA filed the civil small claim lawsuit against me after I had notified the XXXX XXXX Credit Card on XX/XX/XXXX and again the collection agency on XX/XX/XXXX that I could not pay. The XXXX   XXXX credit card representative made the note of it and that it will not pursued the collection and will not contact me and that my account is closed because I could not afford and could not continue to make the payment after XX/XX/XXXX last payment. It is illegal for the XXXX XXXX and the collection agency to file the lawsuit against me for {$1900.00} after I was told that my account is closed. Also, it is illegal for the collection agency and the XXXX  XXXX Credit Card/XXXX  to contact XXXX XXXX XXXX, Director at U.S. Department of Defense-ManPower Data Center to verify and confirm my U.S. military services information in XX/XX/XXXX, and Mr. XXXX released this data information including my social security numbers to this collection agency on XX/XX/XXXX without my preauthorization or approval consent from me. This violates the HIPAA Policy and the Fourth Amendment of the U.S. Constitution and my human rights and my privacy rights. Please investigate this issue and then let me know. I can be contacted at ( XXXX ) XXXX or by email at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I must reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Mortgage

submitted a mod review package XX/XX/<YYYY> Since then I 've submitted multiple pages of documentation as they have requested without question. Today I reached out to the lender to get clarification on a letter the borrower received requesting documents. I submit documents electronically via email. The lender claims that they do n't have the XXXX but it was submitted with the original package. They are also requesting the homeowners association statement which has also been submitted in XX/XX/XXXX. I have tried to communicate directly with the point of contact who is named XXXX but have never EVER spoken to him. Also tried to request to speak with XXXX 's supervisor and of course there were no supervisors available. The lender has continuously been unorganized. When I called for an update XX/XX/2016 I was told that the review was denied due to the XXXX being incomplete. The rep I spoke to reviewed the XXXX I sent in most recently and confirmed that it was complete and accurate and said she would send an email to reopen the review.
Product: Debt collection

This lender had shown up at my house and left a business card with my XXXX XXXX XXXX son. I then sent a letter of non-contact, requesting to no longer be contacted through phone or in person, but only via USPS mail, and cited Fair Debt Collection Practices Act. They have since called me and said that they " are not under that law according to their supervisor XXXX XXXX so they are going to continue to call. '' Today they called me at work. This is unacceptable. I have also sent a Pay for Delete letter to their home office, certified mail, that was picked up yesterday, I believe, which also requested contact via USPS mail only.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 XXXX
Product: Checking or savings account

I have had charges made on my XXXX XXXX account as well as my checking account while I'm in XXXX  and unable to do anything. I submitted verification of me XXXX in XXXX  and advised that my phone and wallet was stolen prior to XXXX  and I didn't authorize any of the charges and they're not actually investigating these or refunding my money.
Product: Debt collection

IQ data international Inc. Is trying to collect a debt for an apartment that I have never lived at or have any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX  Potentially negative information has been updated and removed
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports Equifax, XXXX, and XXXX. These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXXXXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filing to remove the fraud alert from Experian, XXXX and XXXX
Product: Debt collection

XXXX XXXX used Equitable Acceptance to finance a loan which would cover their administrative services to be the surrogate company to make payments to the XXXX XXXX XXXX XXXX on my behalf. I thought they were associated with the XXXX XXXX XXXX XXXX because of the introduction that I do have attached. The letter was deceiving. Consequently, I received multiple letters from XXXX XXXX that I was not making payments. I told XXXX XXXX that XXXX XXXX said that I was paying them to pay the XXXX XXXX XXXX XXXX, and XXXX XXXX said that is not happening. XXXX XXXX on my permission looked into my account : I had security questions that I did not know the answers to and I had false information about who lived in my household ( It was suppose to be one, but it was more than one ),  and so it looked as if information was falsified to bring my payment down. XXXX XXXX said that I do not need third party companies to do any administrative work because I can do so on my own. So I had the impression from XXXX XXXX that they would make payments and do the administrative work on my behalf. However, I have been paying off and on both XXXX XXXX and XXXX XXXX payments. XXXX XXXX has been an unnecessary middle man, and I have already paid them over {$800.00} over the past two years when that could have gone towards my student loan debt. I have contacted the office of the Attorney General Consumer Fraud Bureau and XXXX XXXX have not replied to them from my knowledge. I do have the most current Attorney 's letter attached, and the Attorney has told me to seek legal counsel, which I have not done yet. The problem is that the finance company, Equitable Acceptance, has placed a credit line on my credit report, so if I do not pay it will reflect badly on my credit report. I want this to end.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter asking for Revco XXXX  to cease all calls to me or my family, and to only contact me through letter mail moving forward about negotiation of a {$3600.00} private loan debt that was transferred to them from my bank on XX/XX/XXXX. The certified letter was addressed to the mail to address listed on the debt letter Revco XXXX had previously sent me on XX/XX/XXXX. According to USPS tracking and XXXX XXXX  I communicated with personally, the cease and desist letter was delayed due to technical issues, but after resolution it was successfully delivered on XX/XX/XXXX. Revco XXXX has called me three times since : on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.
Product: Credit card or prepaid card

We have a XXXX checking and a XXXX credit card account at XXXX XXXX as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the bank-account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the XXXX  bearing the 2FA code to reach us. We escalated the problem twice over the past 12 months but it has not been corrected since. It has to be noted that before this was working well two years ago. Attached are a screen copy of the issue showing the duplicated same number in the drop list.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive submitted so that I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent in a complaint that I tried disputing a claim by XXXX XXXX was reporting my account 120 days late XX/XX/XXXX and which was impossible because the account was opened XX/XX/XXXX. Now my credit report has changed to 120 days late XX/XX/XXXX! Are the people handling my report that XXXX? for one, I was not late In XXXX and for two, it is still only 60 days open but the erased data from XXXX and XXXX. THIS IS FRAUD! Someone has to be held accountable! If you can't help me resolve this, I want to know who can!
Product: Credit card or prepaid card

I purchased XXXX XXXX flights with my U.S. Bank credit card totaling {$2200.00}. Subsequent to purchasing these flights, XXXX XXXX cancelled the flights. I requested a refund with XXXX XXXX through the phone and through email communication. The airline refused to refund me for the flights that it cancelled and eventually became non-responsive. Then, I disputed the charge on my card with U.S. Bank. Initially, I was provided a provisional credit for the charge. However, this credit was reversed and I was informed on XX/XX/2020 that this was because we " received the services represented by the transaction. '' I then called U.S. Bank to try and resolve the issue and communicated to their personnel that U.S. Department of Transportation rules require airlines to provide a full refund for flights that airlines cancel themselves, irrespective of the reason for the cancellation. However, U.S. Bank personnel informed me that XXXX XXXX provided some sort of documentation to show why they were rejecting the dispute and not offering a refund. I reminded U.S. Bank personnel that airlines can not ignore Department of Transportation rules and that it was illegal for them to refuse to provide a refund under the circumstances. I was informed that there was nothing that could be done because certain " Visa rules '' required them to reject the dispute if the merchant ( i.e. XXXX  XXXX ) provides ANY documentation objecting to the dispute. I reminded U.S. Bank personnel of the Department of Transportation rules but was informed that there is nothing they could do. I was instead provided with the mailing address of the Office of the President if I wanted to submit a complaint. Given that I am legally afforded a full refund, and not a travel voucher or any other alternative, I am seeking help to resolve this matter as soon as possible.
Product: Credit card

ok, in XXXX 2015 i got a pnc bank credit card. the paperwork said spend XXXX dollars in the 1st 3 months and get XXXX dollars cash back. on XXXX XXXX at XXXX a XXXX said yes you will be getting your money. so on XXXX XXXX i spoke to XXXX. sounded like a reasonable man. he said theres been an error, you need to spen XXXX dollars to get your bonus. he said ill give you till XXXX XXXX to spend it. he also said you only need to spen XXXX more dollars to reach that mark. well before XXXX XXXX, 2015 i spent XXXX dollars, meeting the criteria neccasasry. i called on XXXX XXXX, 2015 and spoke to a woman, name unknown, she said yes call back on XXXX XXXX, 2015 that will be 60 days/2 billing cycles from XXXX XXXX and you will get your XXXX dollars cash back. thank you i said. so i did call on XXXX XXXX at XXXX XXXX to be exact. he gave me a complaint number. that number is XXXX i was contacted via phone by a XXXX, last name didnt get he said ill call you again after an investigation has been done. his last reply was friday XXXX XXXX almost XXXX XXXX. he said im sorry to tell you you didnt meet the qualifications to get your XXXX dollars. i said the occ will be contacting you. the occ turned me over to you the cfpb. a woman, XXXX called monday with a v-mail. not an answer. ok XXXX number is XXXX XXXX number is XXXX did i mention on XXXX XXXX, 2015 a woman XXXX at pnc also said yes you will be getting your money. pncs mailing adrress is pnc bank XXXX XXXX XXXX, XXXX, XXXX, XXXX another pnc number is XXXX thats preety much all i have. i also have XXXX XXXX dollar credit. so i want a check mailed to me for XXXX dollars to XXXX XXXX XXXX XXXX, XXXX XXXX thanks for your help in this matter.
Product: Checking or savings account

The bank closed my account on XX/XX/year>. It has been 60 days and I havent received my remaining funds. The account hasnt been closed it is in a credit only status.
Product: Vehicle loan or lease

In XX/XX/XXXX we purchased a XXXX XXXX fuel cell vehicle from our local dealership. The vehicle takes hydrogen fuel. During the purchasing process I inquired about availability of hydrogen fuel and was told ( quote ), " There are three stations in the area and two more will be opening by the end of XXXX. Getting hydrogen is not a problem. Its just like going to get regular gas in any other car ... '' ( end quote ). 
Well, this is simply not true. I decided to track the three fueling stations in my area. In a one year period ( XX/XX/XXXX to XX/XX/XXXX ) the fueling stations have been down, for various reasons, for a total of 235 days! That's almost a full year of unavailability! 
During this time I have only been able to use my XXXX, which is my only vehicle, a total of 8 months! That means it has been sitting in my garage, unable to use, for 4 months! And now, in XXXX of XXXX, all fueling stations have been down a total of 16 days. In just one month! 
So, I have a car I can not drive but I am paying a car payment on. 
I contacted XXXX on multiple occasions. They have offered to pay for a rental, but there are NO rentals available because the XXXX owners have rented all of them out. So, I have no transportation to get to a brand new job ( I was out of work for 6 months while still making my car payments ), no way of refueling my vehicle, and the only option is to get a rental and pay for it out of my own pocket ( which I can't do since I have been unemployed ). 
Toyota Financial Services will not offer any payment relief, even though this is not my issue nor am I the cause of the problem.
Product: Checking or savings account

Between XXXX and XXXX Navy Federsl charged overdraft fees on the backend that I was not aware of. It also showed positive balances when in fact balances were negative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ( XXXX ) XXXX XXXX XXXX  XXXX # XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.