23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.
Product: Credit card or prepaid card

JPMCB is acting in dishonor by disrupting my ability to operate in commerce. JPMCB accepted my offer of open credit to use personally and for household goods and services in XXXX. JPMCB has blocked me from using my open end credit card to adequately take care of myself and my family by imposing an available credit limit of {$500.00} and providing balance and payment inaccuracies to consumer agencies.
Product: Credit card or prepaid card

I have been promised that my card points can we used to book the tickets but I am try to book my tickets since last 1 year and I am not able to book any tickets, they are fooling me and I am starting cumulating the point without any use of those points. I have complained to American Express multiple time and I have replied no solution from them but only false promises to resolve the issue.
Product: Credit card or prepaid card

My XXXX XXXX bank of america credit card made an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online payment on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} which I scheduled online and the second for {$1100.00}, which I did not schedule or authorize. I called customer service for bank of america to inquire how this had happened and request a refund. I was given no explanation for how or why I had been double charged but was told I would be refunded the {$1100.00} charge in no more than 10 business days. I clearly explained that I had not made this payment and believed it to be a mistake. On XX/XX/XXXX my money had still not been refunded. I called again and asked how the double charge had happened. The customer service agent on the phone could not explain the error and told me that the refund had been processing when it was flagged as fraud on XX/XX/XXXX. I was not notified and the agent could not give me any explanation as to how or why this had been flagged as fraud. I was told I would have to call back in 2 more business days to get additional information. I was given no time when my refund would be processes. I said that this was unacceptable and asked to submit a complaint. I called my XXXX XXXX XXXX  and requested assistance and they requested a return payment on my behalf.
Product: Debt collection

XXXX XXXX XXXX XXXX is not in compliance with the HIPPA
Product: Credit reporting or other personal consumer reports

I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to Equifax and XXXX consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXXXXXX XXXX and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. XXXX is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. XXXX XXXX XXXX is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. XXXX did not report to XXXX and Equifax for the month of XXXX due to my dispute directly with Equifax and XXXX, but XXXX did start back reporting on XX/XX/XXXX to Equifax. Also XXXX is improperly reporting this negative account to Equifax on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with XXXX validating this debt or provided authorization to XXXX to report to my consumer credit reports as well as well.
Product: Debt collection

AR Resources posted a collections case that I do not recognize on my credit reports with XXXX, XXXX, and XXXX. AR Resources never contacted me prior to posting this on my report. After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 

In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax, one account, security credit services XXXX was deleted for cause, now has reappeared again.this has happened before.
Product: Money transfer, virtual currency, or money service

I deposited a check on XX/XX/2021 and it was deposited in my account and the funds were in my account the next day not knowing that this check was a fraud the next day I got an email saying it was an returned check but before that one I got an email saying that it was going to be deprime my account the 24 omg the month and then I went to chase bank down the street and they say it was a fraud check and I ask the lady how can they help me and she said that I have to pay my bank back it was my problem not theres please help me I really dont have money to pay this back I barely make money to pay anything Im lay on my bill for what happen its not fair to me I had money in my account before this deposit and know its all gone I dont have anything now to pay anything I cant get money out my bank either please help me as soon as possible thank you
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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 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 reporting, credit repair services, or other personal consumer reports

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : 1. XXXX XXXX XXXX Account : XXXX 2XXXX XXXX Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX resident XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 115 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting inaccurately. I had one late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not had late payments. Im requesting you provide viable proof with records, showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

It involves XXXX XXXX XXXX XXXX buying out bonds.On XX/XX/18 I settled my accident and received 1 check for {$190000.00} and went to JP Morgan chase and deposited it with the help of XXXX XXXX He scheduled an appointment with a security adviser XXXX XXXX we sat down and invested {$100000.00} in a managed account, and {$60000.00} in annuities acc. Last week I received a change in a health care annuity and a money order that was not the money order I had opened the account with.When I went to report the fraud XXXX XXXX would not do it due to chases banks rules then I found my debit card was being used and had to cancel it.on Monday I waited for the mail and it did not come.when I returned home that day there was a XXXX package and I opened it. And there was a magnet to XXXX. When going to bed that night I found the envelope with my new card tampered with.and placed another fraud on that card I'm still waiting for my new card. There is 2 checks from each lawyer equaling up to the amount of the check I deposited.and XXXX XXXX was also the one one who wanted me to register a car at XXXX XXXX.due to the case of dealer swap.I just found out my sister obtained a passport with my picture.And has been impersonating me in court cases that are using bonds to pay out claims.XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.The man I live with is XXXX XXXX, and holds the key to the mail box.I recently ordered my XXXX 's XXXX and it came and all it had was a privacy notice suspicious I called and ordered another and was told they mail a code to receive it I did not get the code and someone did. And altered the report and presented it to the courts and I can't find what court..I have been fighting identity theft, insurance, car, motorcycle, ,bank you name it.Ive had 112 complaints in and nobody replies.I just received notice that I owe {$290000.00} in medical bills that were suppose to be paid in my settlement.XXXX XXXX XXXX XXXX, XXXX XXXX.are all involved .
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$320.00} was taking out my saving account from someone name XXXX XXXX XXXX Zelle. I did a fraud dispute with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I do have a personal loan with Barri Finance Co. located at XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX. On XX/XX/2020 I was visited by Mrs. XXXX, the manager, requesting the payment of the loan. I told her that I had called them previously requesting their consideration to place me under the Covid-19 program to give me a prorogate to make the payment as soon as I receive any income since I am not working yet, but I would be going to Barri Office to make a payment by XX/XX/2020. When I made the payment of {$100.00} she stated I do have {$30.00} late fee charged for the months of XXXX, XXXX and XXXX. I told her that according the Covid-19 program no charges will be done, but she said that Barri Finance Co. has the policy to charge late fees even that Covid-19 program is in effect. I have been doing the payments. I do have until XX/XX/XXXX to make the payment of this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information including my social security number, DOB, and address were stolen from Equifax ( www.equifaxsecurity2017.com ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires improperly reporting on my report
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am requesting the register agent and legal address for General Revenue Corp as I am needing to have a constable service serve them a legal affidavit I filed from Third District court. Please provide that information via the CFPB portal. Marking this complaint as a duplicate to avoid being served will be noted in the legal paperwork if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent disputes via Equifax on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022 along with the ftc report and along with ID, Ssc, to remove fraudulent accounts and inquiries that are on my credit report due to ID theft Equifax didnt any investigation closed the investigation with any explanation or documentation of proof of proper validation with my signature, I am victim of Identity theft and Equifax isnt honoring non of documentation even tho it is valid documents I am asking that the cfpb investigates this because this has been a on going issue that I have with Equifax several times I have sent proper documentation and they dont remove or do anything at all I have filed several complaints with cfpb in regards to this issue and nothing is being done about it, prime example I dispute information send proper documentation the investigation is closed the same day it is opened or a few days after it is open I would like for something to be done about this or I will be forced to take proper legal action
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo. I am XXXX  year law abiding citizen. In XXXX, I was coarsed by fraudster to wire XXXX USD to a bank account in XXXX. I had to withdraw this money from my IRA. When money reached the beneficiary account, XXXX froze the account due to beneficiary suspected money laundry scheme ( information came from my bank ), which I was not aware of. Once I learnt about this, I requested for a wire recall that XXXX refused to return my money even after several requests. Later another case was filed by me for fraudulent wire tranfer but XXXX again didn't provide any reason to my bank as what happened to my money? My bank refused to intervene and failed to get me more information about where my money is? Is it with the scammers or with XXXX or with government agency? My bank doesn't want to solve my problem. I need to know where is my money as I badly need my IRA money back. I need help from CFPB to hold Wells Fargo responsible for loss of my fund. Please help!
Product: Checking or savings account

Failed Bank Information for The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX On XX/XX/XXXX, The XXXX XXXX XXXX  XXXX XXXX was closed by the Office of the Comptroller of the Currency. The FDIC was named XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX acquired all deposit accounts. 
The FDIC as Receiver for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  has taken all actions necessary to terminate the Receivership Estate. The Receiver published a legal notice of intent to terminate the receivership on XX/XX/XXXX and has made all dividend distributions required by law. 
Effective XX/XX/XXXX, the Receiver was discharged and the Receivership Estate was terminated and ceased existence as a legal entity. 
Feds close XXXX XXXX XXXX  XXXX XXXX ; XXXX takes over XXXX XXXX XXXX is the 19th-largest bank in the XXXX XXXX area based on market share of deposits. It has {$2.00} XXXX in assets. 

Founded in XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX was the first nationally chartered bank established in XXXX   County. Led by CEO XXXX XXXX, it passed {$1.00} XXXX in assets in XX/XX/XXXX. However, the bank hasnt been able to maintain the minimum capital reserve required by regulators since the second quarter of XX/XX/XXXX. The Office of the Comptroller of the Currency officially declared the bank in troubled condition in XX/XX/XXXX.
Product: Mortgage

I am trying to sell my home through a short sale. PHH is my loan servicer. I have submitted all the required short sale documents - PHH has a horrible overseas call center staffed by individuals who cannot speak clear english and cannot answer my direct questions pertaining to my short sale request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me
Product: Vehicle loan or lease

My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial