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

I used paypal credit to send XXXX dollars to my wife on XX/XX/2019 using the option to send money for goods it sent the money but would hold it for 22 days. It doesn't tell you it holds the money until after you transfer it. So I sent her another XXXX using send to friends option since this was supposed to be faster. She needed the money soon. This charged me a fee and sent her the money. She then paid a fee option also to have it deposited right away of 1. % or she could pay no fee and wait 2-3 business days. It took the fee from the money but 7 days later and the money was still not transferred. She issued a refund on the site to me on the XX/XX/XXXX. The refund was never processed. She also called and was told her refund was processed and it never happened. I called today on XX/XX/2019 and the refund was still not processed and never showed she issued a refund even though she did it and called a rep to verify it. Paypal put me on hold for 50 minutes today XX/XX/2019 told me to request my XXXX dollars back from her and I would not get the fees reimbursed and she wouldn't either. Then hung up op on me. I call back and wait 22minutes but they can't do anything on level one because of their system they don't have any control over it like it became self aware and they no longer have control over it. My only option was to get transferred again to hold abyss for 50 minutes where an unfriendly non-English speaking rep would have me re-explain the whole situation again. I owe PayPal XXXX dollars minus fees for money they never transferred to the recipient. And to get it back I need to request the money from the recipient and have them also pay fees to send it. 

TLDR : Paypal charged me XXXX plus interest fees and the recipient fees to transfer XXXX dollars they never transferred. Now they want to keep those fees and have me request the XXXX dollars back from the recipient having them pay fees for money they never transferred to the recipient 's bank account.
Product: Credit card or prepaid card

Sir/Ma'am, My wife and I have two credit card accounts with Macy 's Rewards/XXXX XXXX XXXX Today ( XXXX ) my wife was reviewing her credit history with XXXX  - - because we're applying for a mortgage, which the issue I'm about to describe to you only exacerbates - - and she observed that Macy's/XXXX XXXX had apparently arbitrarily decided to lower our credit limit from {$1500.00} to {$800.00} per account without prior notice. 
This normally would not even really be an issue, but here are the specific and serious consequences for us, the lowly consumer : 1. We each have really excellent credit history, but this decreased credit limit - - done without soliciting any feedback from us - - will hurt our credit rating, through no fault of our own.

2. We're currently trying to get a mortgage - - see # 1 above.

3. Without exception, we pay all our bills on time - - see # 1 above.

4. Neither Macy 's nor XXXX XXXX contacted us ahead of time ( text/email/telephone/USPS ) regarding this - - they simply did it.

5. We spent well over an hour on the phone today arguing with Macy's/XXXX XXXX telephone operators in the XXXX ( because apparently American big business interests have written off investing in this country and choose to invest in overseas telephone call centers instead ) trying to describe the adverse financial consequences we will now experience with a likely lowered credit rating ( and higher interest rates ) when we apply for a mortgage in the near future. And of course, nobody in XXXX really grasped how this was a problem, nor could they explain why it was done or what our recourse was, nor how we could communicate directly with executives in XXXX XXXX in order to plead our case. 
6. Lastly, and most disgusting of all is the fact that these despicable and arbitrary actions are taking place in the middle of the global plague that the XXXX XXXX Government has unleashed on the world. People are literally dying around the globe and entire industries are going under, and we're on the edge of a recession or ( possibly ) even a depression. People are under a lot of stress, and the thoughtless actions of this credit card company are not helpful. I find it hard to comprehend how they failed ( and continue to fail ) their customers, and their behavior especially at this time is hard to comprehend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XXXX. As of today I have not received any response from XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and Equifax have failed to respond in a timely manner to my requests and while I did receive a response from XXXX, they did not resolve all of my issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I converted a bit over $ XXXX of Ethereum to XXXX and it only gave me $ XXXX worth. Then the price went from {$0.00} XXXX {$0.00} and I converted it back to Ethereum and then my portfolio had $ XXXX. I should have made XXXX % profit on the trade minus the 1.5 % conversions. I ended up losing > {$200.00} when I should have made ~ {$1000.00} and now it looks like I made money from the conversion since $ XXXX disappeared upfront for tax reasons. Help? 

$ XXXX ETH -> $ XXXX DNT conversion DNT went {$0.00} to {$0.00} in XXXX minutes. DNT total still only showing $ XXXX $ XXXX DNT -> $ XXXX ETH It should have been ~ {$3900.00} DNT * XXXX = {$5200.00} DNT -> {$5100.00} ETH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  credit account XXXX with PROFESSIONAL DEBT ME has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.
Product: Mortgage

In XX/XX/XXXX I tried calling the customer service numbers provided in my Mortgage statement to make a payment before the late fee was assessed on XX/XX/XXXX. The customer service number was unreachable and kept making the sound as if the line was occupied. I tried making a call to the second number provided in their statement and it is for another business line ( their auto lending department ) of which I was told they could not process Mortgage payments. ( Why have it in the Mortgage statement as a number to make payments if they will not accept them there? ) I again tried making a call to pay on XXXX to which I received an automated message that their offices were closed due to XXXX Saturday. Again tried the other numbers provided and received the same answer related to being a different line of business and they could not accept Mortgage payments. 

This whole process repeated itself again on Monday XX/XX/XXXX their customer service line was out of commission and again was rejected to accept the payment in the other phone number reason being they are not the mortgage department. 

I was finally able to process the payment on XX/XX/XXXX by calling their general customer service line, agreeing to a contract for XXXX which is their automated payment process, registering my account which was done by one of their agents and the processing my payment by giving them my checking account number, routing number from my bank and all my other personal information. At which time the late fee was already assessed on my account to which I requested an inquiry process to remove the late fee. However again the customer service number for Mortgage was inaccessible and the agents over the phone told me this was due to a breakdown in that line and that they were aware of the problem and were working to resolve it. However they did not mentioned the remediation that the affected customers would receive for not being able to call in to make their payments on time. To which I am requesting that they remove the late fees for the month of XXXX from my Mortgage Account.
Product: Credit reporting or other personal consumer reports

XXXX. This XXXX creates a constructive trust, and you are now being appointed fiduciary with limited power to act on behalf of the XXXX XXXX Landed XXXX. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensating the beneficial owner, I now demand from you the following things : XXXX. XXXX XXXX is XXXX fraud by stating there are late payments, or XXXX missed payments and you are a part of this conspiracy by also reporting the fraud as well. I demand you report that all payments are fully current and there are no late payments and XXXX missed payments. 
XXXX. I demand that the consumer credit score of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] stay at XXXX and always in perfect standing. Remove Accounts XXXX. Remove all hard inquires
Product: Money transfer, virtual currency, or money service

I did the wire transfer from XXXX and XXXX to XXXX HSBC bank and XXXX XXXX XXXX which is the fraud scammer s account from XXXX to XX/XX/XXXX .After did the wire I just knew that is a big big romantic scam are happening all of the world now, They are the illegal money washer account used by the fraud scammer all the time, so I ask the HSBC and XXXXXX/XX/XXXX to responsible it and pay me back. The wire Luring money totall is $ XXXXus dollars which are I borrowed from my friend and families. I dont know how to be lifing now, please help me to investigate these two illegal Accounts.
Product: Credit reporting or other personal consumer reports

When I go on expiren site it shows me one credit score but when I go under another site to apply for an apartment they are reporting a lower score keeping me from being able to rent it's a whole XXXX point difference.
Product: Debt collection

I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we tried to apply for a mortgage with XXXX on behalf of myself and my mother ( XXXX XXXX XXXX ) we were told that Equifax had her listed as deceased and was therefore unable to process her credit report. 

We spent at least two hours on the phone with Equifax on XX/XX/XXXX and were finally told that the problem would be rectified within 30 days, and that we would receive a letter that confirmed that the issue had been addressed. 

On XX/XX/XXXX, it had been over 30 days. We had not received a letter that said that the problem was resolved, but we called to inquire about the status. Equifax said that she is no longer listed as deceased in their records. 

Unfortunately, when XXXX XXXX  tried to then run a credit check on my mother to proceed with her mortgage, she is still listed as deceased. They have not resolved the problem, and everytime we ask XXXX XXXX  to pull her credit ( three times now ) her credit is dinged as a result. 

Most frustratingly, we have been trying to resolve this with Equifax but they either insist that it is resolved or say that they are the wrong person to help, and pass us on to the next operator, who is also unable to address the issue. We have been on the phone with them non-stop for five hours straight and still nobody can help us. 

Equifax is not able to address the problem after 30 days of them incorrectly listing XXXX XXXX XXXX as deceased, and they have terrible customer service who are incapable of addressing the problem so just pass us on to the next person who also can't help. As a result of their incompetence, my XXXX year old recently unemployed mother is unable to move ahead with selling her apartment and purchasing a new home, which she needs to do for economic reasons. It has been weeks with no resolution in sight.
Product: Debt collection

I had a XXXX XXXX utility bill for {$290.00} that had fallen behind in XXXX. I went into one of their physical locations in XXXX XXXX and paid it off in full and had service restored for many years after. For obvious reasons, they wouldn't have reinstated the account and provided years of future service had it not been paid in full. 

Either way, that bill was eventually sent to collections with a company called XXXX XXXX XXXX. No amount of proof or convincing them of it being paid would suffice and I eventually just paid it because it was only {$300.00}. Which means I paid it twice, both to XXXX XXXX directly and to them as a profit for whatever they bought the " debt '' for. 

The larger problem now is that they updated all of the credit bureaus to show this account having been opened and closed in XXXX and it shows no other data about how old the original " debt '' was, when it will age off, or anything else. So it shows up as a recent collection account any time I apply for anything, removes years off the actual age of the original utility bill, and, if it were reported correctly from that date, it would have aged off my credit already. 

I've attempted to dispute it multiple times, have called the company directly, and am at the point of seeking counsel to file suit against them for harming my credit with inaccurate reporting. 

If they don't respond to this, that's the next step.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experians failure to update my address on my credit report despite multiple attempts to correct this issue. 

I, XXXX XXXX, provided Experian with proper documentation to verify my identity and update my address, including a copy of my drivers license and insurance information. Despite submitting these documents, Experian has not made the necessary update to my credit file. 

I have contacted Experian XXXX times to resolve this issue, yet no action has been taken. Each time I call, I am either told to wait or to resubmit documents I have already provided. This has caused unnecessary delays and frustration, as my correct address needs to be reflected on my credit report. 

I am requesting that Experian promptly update my address as per the documentation provided and in compliance with the Fair Credit Reporting Act ( FCRA ). I also request an explanation for why my previous attempts to update my information have not been processed. 

Im in delay for applying for a mortgage to purchase my this is causing harm to me and my family Thank you for your attention to this matter.
Product: Debt collection

XX/XX/year> date opened incorrect as well! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or 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! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Product: Credit card or prepaid card

Misleading billing practices. BofA charges me an interest of {$38.00} for a paid purchases. False advertising for a balance transfer promotional offers. Please check your records for XX/XX/XXXX and XX/XX/XXXX Statements to correct this issues. Tried to resolve the issues via telephone with the agent, they can't give me a correct calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX  have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX .

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the following consumer reporting agencies. XXXX  and Equifax I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to XXXX   and Equifax on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However XXXX  or Equifax has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  to re age the accounts showing missed payments and a past due balance after being charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX Transunion and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX Transunion XXXX reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX Transunion and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.