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

On XX/XX/XXXX, I purchased a mattress from XXXX XXXX order # XXXX online using my Syncrony/Paypal account XXXX On or near XX/XX/XXXX, the mattress was delivered and refused by me and cancelled the order due to unforeseen circumstances. The merchant gladly accept the return and full refund as their policy stated. Paypal entered the refund on my account statement and never adjusted the outstanding balance on my Paypal account. I have disputed this with XXXX, they said they have been trying to submit a refund but Paypal kept rejecting it. I spoke with the team leader division and Paypal. Paypal states the purchase is not cover under their buyer protection. After several disputes, Now Paypal says I still owe the outstanding balance of XXXX and charged an EXCESSIVE amount of fees and finance charges which I do not owe. They are in direct FTC and CFPB violation of not accepting and crediting a refund from a merchant for a returned item. Here is a breakdown of the statements I received. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX XXXX XX/XX/XXXX Refund {$1100.00} ( same day ) my last payment of {$220.00} was made on XX/XX/XXXX and I closed my account with a fraudulent balance of {$1100.00}, which I do not owe. Since then, they have reported my unpaid erroneous balance to all 3 credit boroughs and has negatively affected my credit and have charges excessive late fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX and i have a complaint with Experian. First of all i have one account that clearly reads never late and paid off, yet Experian say its a harmful account. Secondly, I am trying to fix everything, making payments etc. and my score went up. But every single time it goes up the next time i check it the score has dropped. This has gone on for way over a year. When i checked today it had dropped XXXX points. Something is wrong and if its me, fine i can take that but if its something they are doing i want retribution and a letter of apology. My cell number is XXXX. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about 6-9 months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report.

The accounts in question are listed under Account Name : XXXX XXXX XXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ I spoken to so many people about this please help remove incorrect information ] By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/2022, i HAVE REQUESTED THAT EQUIFAX PROVIDE ME WITH THE CREDITOR INFORMATION FOR 2 MEDICAL ACCOUNTS THAT ARE ON MY CONSUMER REPORT. BOTH ACCOUNTS DO NOT LIST A " CREDITOR ''. THERE IS NO WAY FOR ME TO ADDRESS THESE ACCOUNTS AS THERE IS NO CONTACT INFO OR CREDITOR NAME.
Product: Debt collection

I was getting calls from Sunrise Credit Services , Inc. to collect a debt that is not mine. 
They also were reporting on my credit report to credit reporting bureaus. 

I told the company that the debt is not mine, so they sent me an identity theft victims complaint and affidavit form. 

I am concerned because the company sent me this form and told me to mail it back to them. They are asking for SS #, address, birthdate and drivers license number. 

I dont know if this company is legitimate, or just trying to scam me. 

Please advise. Thank you.
Product: Checking or savings account

I opened an Every Day Checking account with Wells Fargo on XX/XX/2019 where promotion of {$400.00} was offered. The term to receive the bonus was " Within 150 days, make $ XXXX of cumulative monthly direct deposit for three consecutive months. 
I interpreted the condition as making {$3000.00} direct deposit within 150 days and also confirmed with the branch sales person on the same. I set {$2000.00} direct deposit to this new account every month. On XX/XX/XXXX, I was not getting the bonus so I called the customer service. The agent on the call also reviewed the condition and assured me that the deposit will be made soon. On XX/XX/XXXX. I received the letter from the company stating that I am not qualified for the bonus because the direct deposit has to be over {$3000.00} every month for three consecutive month. At that I time, it was too late to adjust my direct deposit because three month will be over 150 days. 
I admit that it was my fault not fully understanding the term on account opening but also the stated term can be misleading as I interpreted as making cumulative {$3000.00} within three month. It was also misunderstood by the agent who helped me opening the account and also the customer service agent who could have corrected me when I was calling to review the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance XXXX
Product: Debt collection

A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appearsg on my credit report.
Product: Vehicle loan or lease

They sent me recent payment history not all of it and I never got a copy of the original lease or their validation as a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be  furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Product: Credit card

I currently have a ongoing dispute with my new Credit card company. I have had this credit card over 30 years with my credit union and service was excellent until they have allowed a XXXX XXXX to take over. I have disputed a charge of {$310.00} on my XXXX card since XX/XX/year>. I was given the credit n full XXXX XXXX then reversed the next month. The new c. Card company sent me a letter that the credit given to me was final. I have it n writing!!! Now I am trying to get this credit back on my account. I have Never had a problem such as this Ever!! Please assist me, I pay my credit card on time every month and I have a excellent credit score. Thank U very much!!!
Product: Checking or savings account

PNC account is not able to be linked to an XXXX savings account for round up purchases.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy chapter 7-discharged XXXX XXXX XXXXXXXX XXXX XXXX XXXX ________________________________________________ XXXX XXXX BANK SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX Original creditor : XXXX  - XXXX XXXXXXXX XXXX XXXX  Original creditor : XXXXE - XXXX XXXX XXXX XXXX XXXX Removed From Equifax XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX From Equifax XX/XX/XXXX XXXX creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX BANK - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK N.A. - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX INQURIES XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX CAP XXXX NA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Checking or savings account

Hi I am a loyal customer with time online banking I have recently since XXXX and XXXX have been receiving errors regarding my account I made several complaints about when you've been added to my account from Other banks that try to deposit funds into my account it constantly shows an era I made several complaints my money was not going into my account on time I'm just now from a complaint from XXXX and XXXX able to get a dispute that I filed handled in XXXX I'm a very upset customer I'm really worried and concerned should I change my bank or what..
Product: Mortgage

My loan is with Mr. Cooper, here is my email to them. 
I originally called XX/XX/XXXX to find out how you are calculating the rate as it appears you are overcharging me by .125 for the past several months. I was told that I would have an answer to my question in 7-10 business days. But prior to even getting the reason why I called out you needed to email me about auto pay. NOT NEEDED OR WARRANTED AT THAT TIME. I waited patiently till the 10th day and nothing. So I called XX/XX/XXXX, received XXXX this time and she said she would have an answer by Friday XX/XX/XXXX. Well she is no longer in the office so she didn't do her job of returning the phone call. I have a due date for my mortgage payment. The second I'm late you charge a fee, but first I receive incessant daily phone calls, which I get extra since I have two mortgages with you, till I make my payment. Where's your accountability? You're Mr. Cooper and you think you can just walk all over your clients? Don't have to respond but you can hound me for my money? I want to switch servicers as you don't seem to know how to figure my rate, where's my option for that? A costly refi that doesn't guarantee that I won't end back up here.. 
I need help getting an answer. If they are charging me an extra .125 then who else are they doing this too. Please look into Mr. Cooper and how they are calculating rates.
Product: Credit reporting, credit repair services, 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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

XXXX AND 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$880.00} XXXXXXXX XXXX  XXXX XXXX {$18000.00}
Product: Student loan

I have been making monthly installments over a few years now to navient. My students loans have not decreased and keeps increasing supposedly due to the interest charges month to month.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation.

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : XXXX XXXX  Correct DOB : XXXX
Product: Checking or savings account

I opened my Marcus by Goldman Sachs account on XX/XX/XXXX. I received a welcome email on XX/XX/XXXX. I then added my XXXX savings account to transfer money to my XXXX  with Marcus. It took a couple days for Marcus to verify the bank account with me. On XX/XX/XXXX I received an email from Marcus saying they received my {$6000.00} transfer from my XXXX savings account to my Marcus XXXX. On XX/XX/XXXX I logged into my Marcus account through the App and realized they had opened XXXX XXXX for me so I closed one. I received an email confirmation that one of the two savings account was closed on XX/XX/XXXX. I looked on the app and they did close XXXX account and I still had the {$6000.00} in the other which is what I wanted. On XX/XX/XXXX I received an email from Marcus that the delivery of my statements was changed and if I did not do this to check my account and contact them. On XX/XX/XXXX I logged into my app because I did not request a change and when trying to log in with Face ID I was locked out. A screen saying I was locked out and to call them to unlock it popped up. I called Marcus as soon as that happened on XX/XX/XXXX. I talked to two people. The first woman transferred me to a man who said he could not authenticate the account and he will contact the review team to give me a call. I then ended that call. On XX/XX/XXXX I called back again to see if someone else could help. Again, I talked to two people and the outcome was the same. They said the review team would contact me in XXXX days and they have still not contacted me. I also asked why I am locked out and why they can not authenticate the account and they said they could not tell me. I then asked if the money could be transferred back to my XXXX  account it came out of and I could close the account and they said they can not do that until my account is unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.