23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to transuion and the cpfb. 
My last payment was in XXXX they have written to cpfb and transuion I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from Transunion!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA ( Fair Credit Reporting Act ). to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts. As Experian 's inactions violates federal law and my rights as a consumer.
Product: Debt collection

*National credit adjust* Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/year>- XXXX owed : XXXX They are contacting & communicating on my credit report by reporting a negative debt owed that i refuse to pay, because it was not me that opened account. I request a removal, due to US consumer code : 15 USC 1692C. & 15 USC 1602. Thank you.
Product: Credit card or prepaid card

I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.

I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.

They can not help, and their description of how they are conducting their process seem deceptive at best.
Product: Credit reporting or other personal consumer reports

Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN/ XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX EXPERIAN EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

The debt is not in my name, it is in my husbands. I informed Phoenix Financial in the past they need to call him. They called again on XXXX the XXXX and proceeded to give me all of his information on the debt to the Emergency Room. I did not have to give any identifying information. And I do not think that is legal. 

I informed the caller that she needed to call him, and I was told, " Well your number is the first one listed. '' And hung up. It isn't. The debt is in his name!!! 

I am sure they are using this tactic for a lot of married couples, and that is not right. I do not have anything to do with this.
Product: Money transfer, virtual currency, or money service

I attempted to receive a freelance work payout from XXXX into my Wise account using the bank details, the XXXX transfer was made on the XXXX of XX/XX/2025 and it is now the XXXX of XX/XX/2025 and I have still not received the money, whenever I have contacted Wise they have been unhelpful and simply buying time, I provided them with the XXXX tracking document and even tracked it myself with multiple banks and it shows that the transfer was successfully completed and credited to Wise, without being added to my balance. I have asked Wise to show proof that they have traced the payment and it has not arrived with them and they have not done so. Since wire transfers do not simply disappear and all tracking sources show that it was completed, I have no reason to believe anything other than Wise holding it for some unfathomable reason, it is not an amount big enough for XXXX concerns ( and I can prove source of funds anyway ) and it has been frustrating being unable to receive and use my money which I need, while Wise keeps saying they have no idea where it is and delaying under the excuse of investigation.
Product: Debt collection

Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion. I have submitted dispute letters however they haven't changed anything and it has been more than 30 days
Product: Mortgage

I hired XXXX XXXX XXXX to file Chapter XXXX to avoid foreclosure. I missed regular payments to JP Morgan Chase for my Home Equity Loan. JP Morgan Chase filed a motion to dismiss the automatic stay. My attorney did not notify me and did not appear in court for me. The judge allowed the automatic stay to be lifted. A sheriff sale was set for XX/XX/XXXX. Due to the Covid-19, the foreclosure was stopped. I re-applied for a loan modification and once again was denied. See complaint XXXX. 
JP Morgan Chase will resume foreclosure after the the Covid-19 foreclosure moratorium. 

The CFPB and other financial regulators have encouraged financial institutions to work with borrowers who are or may be unable to meet their obligations because of the effects of COVID-19. Your servicer should help you identify alternatives that may be available to you given your specific circumstances. 

The only offerings they have are a Standard Short Sale, Deed-in Lieu of Foreclosure. 

I want to keep my home. I have a lot of equity in the home, the city appraisal is {$160000.00}, I owe {$46000.00}. 

I would be able to make the reinstatement amount by the end of XX/XX/2020. JP Morgan Chase will not work with me for a repayment plan or forebearance. 

I am unable to refinance due to the Chapter XXXX and my credit score being XXXX. 

Once I gain my normal hours back after the Corona Virus stay at home gets lifted, I will be able to make my monthly payments, plus additional money if needed and then pay the reinstatement in full be XX/XX/2020, I am asking for help to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.
Product: Student loan

ACS Education Services manages one of my student loans. The loan originated with a balance of {$11000.00}. Per the ACS website, my payments began on XX/XX/XXXX. Over the course of the past 57 payments their website shows that they have applied {$5000.00} to principal. This would leave me with a balance of {$6000.00}. However, they show that my current balance is {$9000.00}. I have two complaints against ACS. The first being that they are using fraudulent accounting practices resulting in a substantially higher account balance than it should be. Secondly, I substantially increased the size of my payments for 10 months with the instruction that the additional amount should be applied to principal. Instead of applying the additional money to the principal they have applied it to future payments. They are now showing I am paid up through XX/XX/XXXX. My attempts to get them to correct this misapplication of the payment has been unsuccessful. They told me that I need to call them the day the payment is received. If I 'm too early they wo n't be able to see the payment and ca n't help me. If I 'm too late and the payment is already posted then it will be applied to future payments and they wo n't correct it. Can you please help me resolve this so that I can pay off my student loan debt?
Product: Debt collection

PayPal is attempting to collect on a NONEXISTENT DEBT, ARISING FROM A {$1400.00} XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX. The debt was extinguished as a result of {$1400.00} BEING REFUNDED BY XXXX XXXX IN THE AMOUNT OF $ XXXX ON XXXX XXXX XXXXXXXX AND XXXX XXXX  ON XXXX XXXX XXXXXXXX, AS PER PAYPAL 'S OWN RECORDS. Worse yet, PAYPAL, THE CREDITOR, CREATED A FAKE CHARGE OF {$1400.00}, THE SAME AMOUNT THAT WAS ALREADY REFUNDED back to PayPal for an alleged purchase FROM MERCHANT ... PAYPAL IN AN ATTEMPT TO COLLECT A NONEXISTING DEBT AGAINST MY ACCOUNT FOR {$1400.00}, starting on XX/XX/XXXX, approximately four months later. To this day, PAYPAL CONTINUES TO COLLECT ON THIS DEBT AND CONTINUES TO ADD INTEREST TO THIS FASLE DEBT. 

PayPal is attempting to collect on a XX/XX/XXXX debt in the amount of {$1400.00} for a first-class plane ticket from XXXX XXXX , despite the ticket being fully refunded by XXXX XXXX as per PayPal 's own records on XX/XX/XXXX, partially applied to the purchase on XX/XX/XXXX ( {$120.00} for a seat upgrade ), then fully refunded on XX/XX/XXXX. The original ticket was canceled as I was attempting to coordinate with someone else. 

The first-class ticket purchase was no longer needed as I rescheduled the flight for a premium seat at a cheaper cost of ( {$1400.00} - ( new cost of seat + {$120.00} ). Thus, some funds were applied to the rescheduled ticket and the excess of the funds were refunded to PayPal. 

The rescheduled ticket was soon thereafter changed so I could sit next to a friend on the same flight. He later decided to leave from the XXXX XXXX. Since I was again a solo traveler that could fly in first-class alone, I wanted a first-class ticket, but didn't want to use PayPal credit for the purchase. I had more than XXXX. In order to book a flight for first-class with money and points, I would need to cancel the rescheduled ticket entirely and purchase a different ticket. On XX/XX/XXXX, I purchase a different ticket WITH MY DEBIT CARD ending in XXXX and use XXXX points for a new first-class flight. 

When I did cancel the rescheduled ticket on XX/XX/XXXX, 16 days later, this resulted in {$680.00}, amounting to the entire amount of {$1400.00}, being fully refunded to PayPal according to PayPal 's own records and account statements.

Worse yet, PayPal, after acknowledging the the debt had been paid off reinstated the debt by charging my account with a fake credit card charge that has been fully refunded by unilaterally creating a fake charge months later on my account. Four months later on XX/XX/XXXX, a brand new charge appeared on my credit with the merchant listed as PayPal and the charge amounting to {$1400.00}, the same amount as the original debt refunded to PayPal.

PayPal has refused to validate, delete, investigate, or reconsider the debt. Despite the phone calls, correspondences, and written evidence, INCLUDING DOCUMENTS AND RECORDS FROM PAYPAL ITSELF, PayPal refuses to correct its mistake and restore my account, so that it will reflect the truth : a credit card debt of {$0.00} with PayPal.
Product: Credit card or prepaid card

The Bank I am filling a chargeback 's complaint against is Capital One. Capital One refuses to issue a Chargeback after the Merchant XXXX XXXX XXXX XXXX ( XXXX  ) did not provide a {$20000.00} timeshare exchange service as mentioned in our contract with them. 

The Transaction I am requesting a chargeback from Capital One Bank is under the name XXXX XXXX XXXX made by XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX for an amount of {$2900.00}. 

My family went on Vacation to XXXX XXXX, XXXX XXXX on XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX ), part of XXXX XXXX. We were offered an exchange between our XXXX XXXX timeshare Ownership and XXXX XXXX timeshare membership. Our XXXX timeshare worth about {$20000.00}. We paid {$20000.00} for an XXXX XXXX timeshare and the contract stipulated XXXX will buy back our XXXX contract. that had a balance of about {$20000.00} After a month and half of an unexplained wait, XXXX did not honor the exchange service. They brought as pretext after the long wait that our ownership is not a deed. They explain that we can keep both their timeshare and our XXXX Timeshare, and they will keep the {$20000.00}. We replied that the contract is void ab initio, since there were never a deed, but an ownership certificate, then we have to receive our money back since we have not received the exchange service as clearly written in the contract. They have not answered. 

We file a timely {$17000.00} chargeback with XXXX XXXX XXXX and {$2900.00} with Capital One on or around XX/XX/2019. 

XXXX XXXX XXXX issue the {$17000.00} Chargeback, but not Capital One ultimately. Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for Hotel Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for Hotel services, but are part of a {$20000.00} timeshare exchange services that did not take place. 

The Bank insinuated that we were lying and a manager told us that it is common that customers like us receive services from a Hotel and want a chargeback, what is commonly called friendly fraud. Capital One told us they escalate the issue, made us wait, and later falsely said they can not help because we did not provide all documents on time. We did provide all documents on time by both fax and certified mails, and we have proof. 

Capital One does not want to assume his mistake by prejudging us and returning the {$2900.00} to the merchant. 

We are requesting a refund from Capital one of {$2900.00} with all interest fees that are being accumulated.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : 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, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via XXXX on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. 

Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about this error. I have two accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well