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

1 : On XXXX XX/XX/XXXX I signed a contract with XXXX XXXX through The Home Depot to replace my Air Conditioner for {$4700.00} with 2 years no interest. 
But on XX/XX/XXXX the home depot consumer credit card charged me all at once instead of spreading on 24 months. [ Refer to A-4 ] Then my bank account bounced costing me :  Several hundreds of dollars in NSF charges, cashiers check and lost wedge from work. [ Table part 2, attachment B ] Then I filed complaint to XXXX on XX/XX/XXXX ; The Home Depot must refund me the money I lost and take responsibility for any future financial charges associated with this case. 
And case closed without any agreement on XX/XX/XXXX. [ Downloaded complaint ] The Home Depot refer the problem to Citibank and the Citibank answered the auto pay system caused it. So, they blame me ( their victim instead ) not to have fixed the problem. Despite my contact with their customer services at least twice to address my concern and sought help. 
As I investigated later ; I found out the same thing happened in XXXX promotional purchase of a refrigerator for {$1300.00}. 
I was continuously charged deferred interest for more than 3 months after full payment. [ C-1 to 6 ] 2 : The agreement with XXXX XXXX through The Home Depot and the letter from The Citibank specifies no interest if paid within 24 months. 
But why should I have to pay, the so called deferred interest? [ Table, B1, C1 ] I found this a lie and deception. 
Why didnt The Home Depot Credit Card personnel mention earlier or help me, as I contacted them at least twice to express my concerns ; after I saw the posted balance notice [ A-1 ; onXX/XX/XXXX & XX/XX/XXXX ; A-4 to 6 ]. 
What they later said the autopayment has caused that, and blaming me? 
3 : My checking account bounced costing me money, time and daily life routine disruption.

4 : The Home Depot and Its consumer credit card handler The Citibank of South Dakota. 
5 : Customer Service PersonneXXXX ; XXXX in XXXX KS store, XXXX XXXX XXXX from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.
Product: Debt collection

On XX/XX/2022, at XXXX PM I received a text with a security code. I did not request this security code and it expired in 10 minutes. 

On XX/XX/2022, I received the following email : XXXX XXXX - Your XXXX account statement is available. 
View Online PayPal Your XXXX account statement is available. 
Hi XXXX XXXX, Access your account statements quickly and easily. Log in to your account and select the monthly statement you'd like to view. 

View Statement Forgot your email or password? Recover them here Explore the new PayPal App Learn more XXXX XXXX XXXX Download on the XXXX XXXX Get it on XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXXXXXX XXXX XXXXXXXX are trademarks of XXXX XXXX XXXX 
XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. 
Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. 

PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., XXXX XXXX XXXX, License  # XXXX, Massachusetts XXXX XXXX XXXX. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. XXXX XXXX  Licensed Money Transferor . PAYPAL , INCXXXX XXXX XXXX XXXX, LICENSE XXXX XXXXXXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money TransmissionXXXX XXXX  # XXXX, License Number MTXXXX. 
Copyright XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX I do have not used PayPal in several years. I forwarded the above email to PayPayl to alert them of this issue. My SSN was compromised approximately one month ago. I filed 3 reports with FTC regarding the fact I had been scammed and SSN was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Product: Credit reporting or other personal consumer reports

I send my dispute letter for this incorrect/accurate account and inquires please delete it now XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
Account Number : XXXX XXXX XX/XX/XXXX {$0.00} XXXX Account Number XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX  XXXX Account XXXX XXXX XXXX {$390.00} XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says my information was potentially affected by a recent breach of information.
Product: Checking or savings account

PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX XXXX # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE XXXX XXXXCCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX. It been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX Credit usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Mortgage

I had a mortgage with Pennymac on a home I sold in XX/XX/2022. Apparently I had a {$750.00} credit and it's XXXX and I don't have my money? I'm owed the principal {$750.00} and 11 months of interest. How do I get it?
Product: Debt collection

I was talking in a good manner to resolved the debt and suddenly the representative start using a rude and disrespectful attitude against me, also she start yell at me.
Product: Debt collection

XXXX XXXX XXXX recently filed a claim against me on behalf of Absolute Resolutions Collections ( ARC ). I had received original letter on XX/XX/XXXX from them advising they had purchased an acct from XXXX XXXX I then sent them a proof of debt validation letter within the allotted 30 days as allowed. I NEVER received any other communications from them- until being contacted by XXXXXXXX XXXX  XXXX in XX/XX/XXXX who said theyd been hired by XXXX. At that time, I sent XXXXXXXX XXXX  XXXX correspondence requesting the same info as the amount was incorrect. My wife spoke with them two times via phone- repeatedly asking for this info. She was told by XXXX XXXX XXXXXXXX XXXX XXXXXXXX that the amount due doesnt matter. We can work around that. We sent a settlement offer which was supposedly denied at end of XX/XX/XXXX. Sent XXXX emails with no response until today when we discovered a claim had been filed on behalf of XXXX. Have not been served yet but got info off court website. Both XXXX and XXXX XXXX XXXX have made it very difficult to work with them and provide a true solution to clear up this issue. Non- communicable on both parties.
Product: Credit card

I have bought a product in 36 installments with XXXX XXXX who gave me credit through Synchrony Bank. The bank instead charged the amount of {$3900.00} in full. When I called them to ask about on XXXX/XXXX/16 they have told me they will issue a check for {$3800.00} and that it will take up to 3 weeks to arrive. I received letters on the e-mail saying the check was sent on XXXX/XXXX/16. It is XXXX/XXXX/16 and the check never arrived, now they are charging me again for the {$3800.00} amount due on XXXX/XXXX/16. At this point I just want to avoid paying them again since the check never arrived and I already paid the full amount. Please help me this is going to get me in trouble with my credit if I do n't pay them again.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not blocking files when they're sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA I'm sending this letter by certified mail to help establish a legal recourse. If you chose to not block these items listed below which are reporting inaccurately due to Identity Theft. I will be handling my documents over to my attorney to start a legal action. It's my attention not to pursue any legal action please ad here to the law... 

PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX and Public Information Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Product: Money transfer, virtual currency, or money service

PayPal had an inactive account in my name with an old bank account, my account marked as suspicious activity and I was unable to login and verify what was going on until I could reactivate an email address that this was associated with! 
However, allowed purchases from XXXX during a worldwide pandemic With multiple purchases made on the same day from - Completed XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX  XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX XXXX   XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX  - XXXX XXXX XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX   XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX   XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX  - ( XXXX ) - negative {$26.00} XX/XX/2020  Payment Track Shipment XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment Loading transaction details for XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment XXXX - ( XXXX ) - negative {$18.00} XX/XX/2020Retail Payment XXXX - ( XXXX  ) Since XXXX I have tried everything to resolve this with PayPal, however their stance is this is Normal for my account. 

Its absolutely theft and deception. They do not have anyone to contact in the USA as they do not have a phone center in operation. 

They continue to have me write letters just to decline my claim that purchases from XXXX from a closed account are normal? 

This has got to stop! This is abuse of power!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

like most Americans should be, I find it disturbing that the following companies will let a political agenda Drive the business that they conduct often at the taxpayers expense. I have to agree with Sen. XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs. On XX/XX/XXXX, XXXX sent letters to the CEOs of both BofA and XXXX  demanding answers about their recent anti-gun activity. It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor.

It's bad enough that our politicians have become social justice warriors trying to move the direction of the country based on their agendas rather than what is best for the country or rather than facing their governance on the Constitution.

I sincerely hope that you find this as troubling as I do
Product: Money transfer, virtual currency, or money service

I attempted to purchase a concert ticket from someone using XXXX. This person asked me to send him {$250.00} on the XXXX app. He had an email account associated with XXXX so they should be able to track him. He then did not send me the ticket and ripped me off. I called my bank that was connected to XXXX to try to reverse the charge. Since XXXX has confirmed him as a customer, they should not allow him to commit these crimes of fraud. I would like to have charges filed against him.