23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On about XXXX I went on a what I thought was a XXXX XXXX website to purchase a set of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$83.00} + {$6.00} est tax. I was redirected to my PAYPAL account to sign in. As I was not redirected to website to finish transaction after this, I knew something bad was happening in real time. 
I immediately called PAYPAL, & signed into my PAYPAL account on a new window. 
I filled out a dispute to these charges as this fraudulent XXXX XXXX XXXX was trying to double charge me the {$83.00} TWICE {$160.00} + XXXX. All this was happening in real time & I was shocked. Unable to get a human being on the phone from PAYPAL, I then removed my bank account attached to my PAYPAL account to stop the charges. Over the next XXXX weeks, I made separate claims for these XXXX disputed charges & fraud on my PAYPAL account. As my documents from my PAYPAL account will show, PAYPAL claimed there was no problem with the initial {$83.00} charge, even though there was no receipt of transaction, & of course I never received the product. The XXXX & XXXX charge of {$160.00} I disputed both, & my docs will show PAYPAL refunded the money back to me for # XXXX charge, & disallowed me from disputing what they thought was the same charge when I filed # XXXX case. I tried finally to speak with someone on the phone from a far away place, & they were not any help at all, & would not let me speak to a Supervisor. 
At this point, I printed all I could from my PAYPAL Account, & went to my bank, & spoke to a representative. They scanned all my docs, & sent them to the fraud department of the bank. I was in contact with this department for 2-3 weeks as they worked through this material I gave them. They didn't contact PAYPAL on my behalf which I thought was odd considering the fraudulent charges from PAYPAL were being sent to my checking account. The bank did reimburse me for charges # XXXX, & # XXXX {$160.00} + {$160.00}. 
PayPal then sent me an email saying my Account was {$330.00} in the negative. 
This is even after they refunded one of the {$160.00} charges earlier. As of XXXX, I get phone calls daily, & emails telling me my account is in the negative. I recently received a small postcard telling me there was some negative info in my credit report. 
I'm sure this is the PAYPAL issue, & was my biggest fear come true. Trying everything I thought was right to resolve this bad situation, I'm now facing the wrath of a large company going after me.
Product: Credit reporting or other personal consumer reports

My student loans were transferred to XXXX from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and XXXX. Essentially doubling the debt owed. Dispute was opened with Experian but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to XXXX and forgiven and still appear. Dispute did not result in accurate reporting. Experian was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX & XXXX, XXXX XXXX  & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX , has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and XXXX  XXXX XXXX are all showing on a early warnings consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Product: Credit card or prepaid card

I received a legitimate looking credit card in the mail two weeks ago that I did not apply for. 
Last week I ran a free credit check through XXXX and the card doesn't show as an open account. 

Today I called " Upgrade '' aka XXXX XXXX Bank to confirm this was a soliciation. They asked for my email address to see if I had an open account. They did confirm I had an open account but would not help me without verifying the last four of my social and my date of birth ( understandably so ). 
I tried to reset my password online using the email they said I had used to apply for the account- it requires my full social security number to reset my password. 

This all seems highly unusual and suspicious. Probably phishing.
Product: Debt collection

I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.
Product: Credit reporting

There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.
Product: Debt collection

They continue to call from multiple numbers. Upon research, it seems to be Portfolio Recovery, which multiple times has been reported as a scam. If I block one number, they call from another one. Never leave a message.
Product: Credit card

this is was opened or applied for from someone else i didnt open this acct
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX  I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.
Product: Mortgage

i got behind a payment and a half which my payment is XXXX so they stopped taking my payment, i asked for a loan modification and for months they send conflicting letters i would get 3 a day one stating they need another paper another saying they are going to drop the mortgage ins and another saying they denied my request. they never made it clear what they wanted i would take the letters in to the local branch and they were confused. the bottom line they have made it so hard and confusing now that a lawyer has the file and is going with foreclosure they have told me what they need. the problem was a 2nd mortgage and a letter they needed. i have requested they payoff and have the money to pay it off and am doing so then have to get a letter to give to BB & T but they tell me i may not  have time before they put a sale date. i am XXXX a veteran and retired XXXX XXXX   and going through XXXX treatment. i just need 30 days or less please help
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The agencies say they have provided my free annual report, but the only report that will display will XXXX. XXXX has an online dispute, but the system is always " temporarily down '' when trying to submit a dispute. They asked that a manual form be filled out and sent. I ca n't dispute incorrect items with XXXX and ca n't even recieve the free reports from the XXXX other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My creditor has been unable to obtain my credit history from Equifax. I confirmed with my creditor, who has continuously extended credit to me for over XXXX years in the form of a credit card, that my credit usage is being accurately reported to all credit bureaus. I then contacted Equifax to inquire about my credit history, and they requested that I send them a copy of my state issued ID as well as a copy of my Social Security Card to confirm my identity. I received a reply on XX/XX/2019 from Equifax stating that they were still unable to locate a credit file. I have been unable to apply for credit because Equifax will not supply a credit report to my creditor.
Product: Debt collection

I HAVE PREVIOUSLY ASKING PORTFOLIO RECOVERY COLLECTION COMPANY TO REMOVE MY PHONE NUMBER SINCE THEY CONTINUOUSLY CALL ME. TOLD THEM MY ADDRESS AND THEY CAN COMMUNICATE THROUGH THE MAIL WITH ME. TODAY, XX/XX/19, I RECEIVED A CALL FROM PORTFOLIO FROM XXXX AT XXXX XXXX. AND ADVISED THE REP THAT SHE BROKE THE FDCP OF CALLING ME AFTER I REQUESTED MY NUMBER TO BE REMOVED. HER REPLY TO ME WAS THAT WELL I HAVE YOU ON THE PHONE NOW AND WE CAN DISCUSS THIS MATTER. I HUNG UP. I DO NOT WANT THIS COMPANY CALL ME AND NOW I WOULD LIKE TO BE COMPENSATED FOR THE HARRASSMENT FROM THIS thank you, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, I contact the company XXXX XXXX regarding an alleged item that is reporting to my XXXX, XXXX, and XXXX report. I requested the method of validation used for this alleged account. As a result, I did not receive any correspondence from the company. I had no knowledge regarding this alleged debt before the company violated my rights and reported the erroneous items to my XXXX, XXXX, and XXXX reports. I have also discovered that XXXX XXXX has also sold my personal information to a third-party company, XXXX without my consent.
Product: Credit reporting or other personal consumer reports

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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

Synchrony Bank makes it difficult to may payments on their accounts. In turn it positions them to charge lots of fees and lowers customer credit lines. I am able to see my accounts online, but can't make a payment. To make payments I have to blindly trust the automated system or wait to speak with an agent. I never received a card. Yet, they can't see that neither do they help customers that would possibly be at a disadvantage because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to XXXX they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report
Product: Credit reporting or other personal consumer reports

I have noticed discrepancies in my credit report with Equifax and XXXX regarding the age of my credit history. While my credit report shows my credit age history as originally XXXX years and XXXX  months, my oldest account is actually XXXX years old, with another account at XXXX years. I request that the average age of my credit accounts be updated to accurately reflect my credit history, as this discrepancy is limiting my credit score. I believe my credit age should be at least XXXX years, or ideally XXXX XXXX years, to better reflect my creditworthiness. Additionally, I started my first car loan in XXXX and closed it in XXXX, which should be reflected in my credit history. I am actively working to build my credit, and I believe this update will benefit my credit profile. Your prompt attention to this matter would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, Experian and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 i
tem 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: Mortgage

I married XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to US Bank and I co-signed a loan for XXXX for {$75000.00} to refinance her house. We separated on XX/XX/XXXX and I moved out of the house. On XX/XX/XXXX, I went to US Bank and requested a print-out of the transactions of the loan. I saw that XXXX had taken out {$55000.00} without my knowledge and I was not contacted from US Bank that she was taking additional money. 
The first withdrawal happened on XX/XX/XXXX for {$25000.00}, and on XX/XX/XXXX she added {$30000.00} to the loan, both of these without my knowledge. 
I told US Bank on XX/XX/XXXX not to allow XXXX to increase the loan for any additional money. It was my money that made all of the payments of this loan. XXXX was not working or bringing in an income from the onset of the loan as she was going to school. 
US Bank had my cell number to contact me at any time ; and on XX/XX/XXXX XXXX from US Bank left me a voice mail saying that they were unable to stop XXXX from taking any more money against the loan. 
On XX/XX/XXXX I returned to US Bank and asked for another printout. It showed that on XX/XX/XXXX she withdrew an additional {$50000.00}. making it a total of {$100000.00}. of additional money XXXX withdrew without my authorization or signature. 
The settlement XXXX and I agreed to when settling our divorce was that I pay her {$78000.00}. and she was required to apply that to the loan so US Bank could rewrite the mortgage and remove my name from the loan. 
I am requesting that US Bank pays me {$100000.00} due to the unauthorized withdrawals that occurred without my signature of the transactions. Also, I want the additional money that I paid due to the interest and increased mortgage payments.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, personal information that is incorrect. I kindly request your investigation and removal of the following items : Personal Information : Name : XXXX XXXX XXXX
Product: Mortgage

I have repeatly asked for the payoff for the indivdual properties under the loan number # XXXX. I have requested these documents 6 times officailly. They state on their website that the request is filled within 3 to 5 business days. 
Due to this statement I wait until monday of any week to receive the documents the same week as requested which has never taken placed. 
During the request I ask for the pay off usually 15 days in the future assuning I would receive the documents in time to be useful. 

They have never been delieved less than 9 days which makes them active only a few days at best. I have since requested the documents the end of the month trying to make the request at the start of the month. 

The request not being fulfilled promptly have cased to sale of properties to be rescheduled costing additional monies to pay to escrow. Currently I have requested the payoff for XXXX XXXX XXXX XXXX, IL XXXX with a close date of XX/XX/XXXX. I made this request on XX/XX/XXXX and to date have not received the documents and have the possibility of the buyer cancelling the contract to purchase the property. 

I included the document they sent today which is not what I requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Adding to previous complaint. Received letter via mail today ( XX/XX/2023 ) stating that someone has applied for credit card using my demographic including my social security number, previously I received a response that was address to someone other that myself.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres, and I seek appropriate redres for these violations.