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

On XX/XX/2017, I hired XXXX XXXX, freelance translator and editor, to edit a literary work, and I sent her {$35.00} through PayPal. However, when I reviewed her online resume on XXXX, I noticed she didn't have experience editing literary work and the next day I emailed Ms. XXXX, canceling my project. I sent a copy of the email to PayPal 's Resolution Center. 

An hour later, Ms. XXXX emailed me a partially edited version of my article. I informed her I was not satisfied with the quality of her work. After I paid her, she stated that she was not completely qualify for the job. 

Here is her response : " Over time, I believe you will be better served by a person who specializes in literary editing. 

I then reinvested in a literary editor, Mr. XXXX XXXX. He edited the entire article and said the previous editor [ Ms. XXXX ] had done a very poor job. He also corrected basic grammatical errors Ms. XXXX had overlooked and ones she added to the text. 

I asked Ms. XXXX for a partial refund. She replied by email : " Are you threatening me? I am shocked at that behavior. Why would you want to turn me into an enemy? Get a grip. If you wish to pay me, send me a check and I will release the amount on PayPal when I have it in hand and deposited. Otherwise, let 's end these communications. I have tried to help you and have only gotten trouble for my efforts. Enough. Let 's both move on. '' Due to the poor quality of her work and inappropriate behavior, I requested a full refund through PayPal. PayPal ruled in her favor, even though I explained to one of their representatives that I had evidence of her poor work, customer service and her lack of experience editing literary work. PayPal never requested me to send the evidence.
Product: Money transfer, virtual currency, or money service

I rented a vacation rental for 3 days ( XX/XX/XXXX ) on XX/XX/XXXX from someone on XXXX. I signed a contract and paid through PayPal. When I showed up to the property on XX/XX/2018, the person I was in contact with never showed up. I came to find out by a neighbor that the property was not owned by the person who I had a contract and paid, nor was it a rental property. I went to the local police station and filed a police report. 

After that I contacted PayPal to put a dispute in since I paid through there. I was told it would take 10 days. Within the 10 days I went into my PayPal account and noticed there were no open cases, so I contacted them. I was told that the person I spoke to on XX/XX/XXXX was incorrect and I didn't have a case since I paid " Friends & Family ''. Apparently there is no insurance when paid this way, hence the reason why I was instructed to do so, I didn't know otherwise since I don't use PayPal too often. I was then instructed to contact my financial institution since the funds came from my checking account. I filed a dispute through my bank, which was denied. I spoke to a supervisor with XXXX who was going to try and contact PayPal. After a week, I was notified by the supervisor that they were not able to get anywhere with PayPal. 

I do want to note that I did try to contact the person who set up the fraud with the two email addresses I had ( XXXX and XXXX ). I also attempted to contact the person through the initial XXXX ad, but it had since been removed.
Product: Debt collection

XXXX ( XXXX XXXX XXXX ) has many problems with it's billing department. We have tried to pay any bills incurred as we are notified of them, however their billing is very unclear and sometimes mistakes for other bills that have already been paid. When trying to pay on their website, they evidently require supposed account numbers and such information that should be unnecessary to simply pay a bill, especially since we don't have access to all of those account numbers and information they're asking for. Shouldn't they have this information if they're billing us, so we can just pay them? 
There has been no notification from XXXX that any of these bills have been submitted to collections, however, we continually get calls from Cornerstone Credit, threatening to garnish state issued money- in spite of us telling them that we have been in contact with our insurance and XXXX to deal with the billing issues. However, Cornerstone continues to harass and threaten us about the situation. 
We have been in regular contact with XXXX through all of the billing periods in question and we are intent on solving the situation.. however Cornerstone Credit is only causing stress, anxiety, and duress- very unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXXXXXX XXXX XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENXXXX XXXX XXXX  MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX XXXX XXXX XXXX XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXX  WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX XXXX XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Product: Money transfer, virtual currency, or money service

They ruined my life, I was told Friday XX/XX/XXXX Id be issued provisional credit for the XXXX in dispute claims from unauthorized charges and not only did they tell me I would get my money on Friday the XXXX of XXXX and I have a screenshot to prove it. These jerks actually email me on XXXX the XXXX saying your dispute has been closed and we determined no error has occured and how could that be when XXXX the XXXX they issued me {$50.00} from XXXX of the merchants and there were still more pending transactions from that same merchant they determined only {$50.00} was unauthorized? It makes no sense theres no logic applied and I have been ruined because they led me to believe I was getting my money back and then XXXX  the XXXX they want to act like they actually investigated in that short amount of time and concluded XXXX day before they were supposed to refund me? You better hold these people accountable or I will they XXXX XXXX I feel like XXXX and so should the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXXXXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A : 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-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the Equifax Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the items on my equifax account and they didnt update or fix the negative hard inquiries on my report the information they have on there is inaccurate and I disputed them a few times and they still wont update it the billing addresses for them are wrong and they were paid in full
Product: Mortgage

I had a bankruptcy discharged in 2015, it was the only way to save my house before foreclosure. I have been making my payments on time all these years but they have not been reported to the credit agencies the only thing it shows is the discharge of the bankruptcy the lawyer and the mortgage company say there should have been a affirmation of dept filed, I clearly had no knowledge I'd this apparently the mortgage company Mr. Cooper never offered one so I'm being told I would have to refinance and the reporting would start then. Killing my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX - XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have presented Experian with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of Experian and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX  and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX, and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : 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

I'm reaching out once again to address my confusion regarding how your credit bureau has handled the investigation into the fraudulent account on my credit report. 

Furthermore, I've directly contacted the company associated with this account, and they confirmed the removal. So, I'm puzzled as to why your bureau is still reporting this account. 

It's crucial to acknowledge that as a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also puts me at risk of further harm. I've already submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Tired of being ignored month after month about inaccurate information which as never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.
Product: Payday loan, title loan, or personal loan

I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX  showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable. 
Any assistance you might provide is appreciated. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.
Product: Credit reporting or other personal consumer reports

Earlier today I reviewed my credit report and saw a fraudulent account. I'm referring to the account from XXXX XXXX XXXX with account number XXXX. I do not recognize this account at all because I have never entered into an agreement/contract with this company. So this account is fraudulent, inaccurate reporting to my consumer profile and is a violation of my consumer rights under the FCRA and FDCPA. I want for XXXX XXXX XXXX to cease all forms of communication with me and for this fraudulent account to be deleted immediately from my consumer profile.
Product: Bank account or service

I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?
Product: Debt collection

XXXX XXXX XXXX, 2023 CHILD SUPPORT GARNISHMENT MADE filed XXXX XXXX, 2023, pension check deposited into account and garnished XXXX XX/XX/2023, {$160.00} pension money garnishment removed money from account XXXX XXXX, 2023, {$80.00} fee for fund transfer XXXX XXXX, 2023, {$160.00} garnished pension money deposited XXXX XXXX, 2023, {$80.00} fee access without explanation. 
7-5th 3rd policy not to garnish Social Security or pension deposit and maybe state and federal law. 
8-Pension deposit on confiscated after completed transfer of fee {$80.00} and charge twice {$160.00} for same transfer XXXX Contacted Bank ever day starting Saturday XX/XX/2023, disputing activity and remind them of their policy on pension funds
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX 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

Investigation upon dispute of accounts on my credit report took more than 30 days. My dispute letter was received by Equifax on XXXX XXXX and dispute results show XX/XX/2022 and I didn't receive the dispute results letter from the credit bureau days after that.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. 

See attached for documents.