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

On XX/XX/XXXX I wanted to send {$4000.00} to a grandaughter via paypal. I made a mistake, leaving out the XXXX in the address ; the money was sent instead to another person.. I contacted this person via email, and got no response from him. I then contacted paypal to file a complaint, who ruled in favor of the recipient. I believe pay pal also handles business accounts, in which larger amounts of money are transferred, in which there is a delay is made, allowing for correction of mistakes. I again contacted pay pal, which did nothing. I would greatly appreciate any help you can give me in this matter. I realize that the mistake was mine, but surely you can appreciate that {$4000.00} is an awful lot of money for an XXXX year old widow to throw away!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Vehicle loan or lease

I refinanced a loan that was with Lightstream. My credit union sent them a check that they received on XX/XX/XXXX. On XX/XX/XXXX Lightstream pulled a payment from my account even thought the loan was paid in full. I contacted Lightsteam to ask why they pull the payment but didn't receive a response. Then I asked if they could return the payment ACH because I needed the money to pay other bills. They said they could not and would send out a check in XXXX  days. They have cost me overdraft and late fees on other accounts by taking this payment when the loan was already paid off.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX & Account XXXX : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$180000.00} XXXX XXXX, XXXX
Product: Debt collection

As I'm not aware of why this account is showing up as a collection on my report. I was willing to work with the company to rectify the situation and pay a negotiated amount just to have it removed. The company insisted it was my account and that I have to pay the full amount in order to have it stop showing up as a collection under my social security number. The company was unwilling to work with me but I need to get this matter resolved as soon as possible.
Product: Debt collection

XXXX XXXX XXXX filed a collection and didn't bother to contact me about it still showing due in their records. Hospital service was rendered on XXXX to XXXX XXXX Itemization attached ). I had specifically told them when I was there that I was travelling, so always contact me by phone or email if there are any questions or problems. On XXXX I received and paid the invoice from their billing service XXXX XXXX XXXX XXXX XXXX ) ( Copies attached XXXX. So I archived everything, thinking it was all taken care of. 
On XXXX XXXX notified me that a collection filing was reported to the credit bureaus, so I called the hospital and asked what the XXXX was going on. Upon investigation, we found out that the amount I paid for them was applied to ANOTHER bill within the same hospital group. I complained vigorously to XXXX XXXX that they never bothered to call me, email me, or invoice me themselves and they had the information to do that. They said they dont normally do that. WHAT? REALLY? Instead, they did nothing except give it to a collection agent after a number of months. Typical medical billing incompetency. However, I paid them again on XXXX the balance that they still showed due ( Copy Attached ) and then tracked down and cleared up the miss-payment to the wrong account later. 
At that time, I told them that the lag time and the miss-payment was THEIR FAULT, NOT MINE, and they better reverse their collection filing, or I would hold them liable for damage to my credit. They said they would, but now obviously they did not. 
My credit scores have historically been in the 800s, but just this last week or two, I discovered the score has been dropped into the 600s and was denied a rental application and a HELOC line of credit on my home as a result. 
I expected them to reverse their collection filing and explain that is was in error, but it appears they will not take responsibility for their billing service mistakes or their in-action. 
THIS IS NOT FAIR CREDIT REPORTING
Product: Credit reporting or other personal consumer reports

XXXX XXXX have the wrong date opened inaccurate information... Inquiries inaccurate I GIve XXXX XXXX permission to pull my credit not all them other car loans companies
Product: Debt collection

This collection agency has slammed a collection on my account that does not belong to me. This agency is a debt buyer agency that slammed an account on my report that was deleted in the past for fraud off my credit report with a different debt buyer group. They also reported that I opened an account in XX/XX/2022, and I have not opened any new accounts. I am a victim of fraud, and my social security, ID, and passport were stolen in the past. This is not my account and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit card or prepaid card

When I was shopping on Sam 's Club, I had a total of {$87.00} in my cart and a box comes up on the screen and says that my balance would be {$32.00} by opening a Sam 's credit card with a {$55.00} credit. However, this " balance '' amount would not and could not ever be true. 

I called and told them that when I was approved for a credit card my total never changed at check out as shown on their site and ad to get one to sign up for their credit card. They said in 90 days I'd get this {$55.00} credit on my account. SO, in that 90 day period, I would of course receive and be billed and have to pay on my original balance. OR, If I pay in full, I still have not gotten the balance they stated would be on the purchase amount named above on the day I signed up for the credit card! At no time would my " balance due '' be {$32.00} as they plainly said! 

If I get a {$55.00} credit in 90 days, and I've paid my balance in full, that still makes their original claim false and totally misleading. I now have to make ANOTHER purchase to get this! I haven't gotten what they lure you in with their ad which they clearly state will be on the purchase in your cart that day. 

I ended up removing one item from my cart before finalizing my purchases but I already had been approved for this credit card, my credit score will now go down a few points from doing this and trusting this from them checking my credit, and the next victim is theirs for the taking. 

Customer service didn't deny this! But they purposely run this ad on their site and it is totally false. The day you place an order and they pop this box up to say you could have a new amount due, is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted XXXX to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( AMEX ) card, that is still active. 

I also contacted American Express customer service and they were unable to connect me to someone that could help.
Product: Credit card or prepaid card

In XXXX of this year, I used a promotional balance transfer check for my Chase credit card account in the amount of approximately {$1400.00}. I used a second balance transfer check for {$400.00} in XXXX. These checks offer a promotional 12 month 0 % APR for any purchase they're used for, with the stipulation that you lose your interest free period for any normal charges until your entire card balance is paid off. 

On XX/XX/XXXX, I used my card to make a purchase of {$1300.00}. Once I got paid 2 days later ( XX/XX/XXXX ), I made a payment of {$1300.00} to my card. I made this payment promptly because I knew I no longer had an interest free period on normal purchases, and did not want such a large charge to accrue interest. 

Over the next few billing periods, I noticed my statements now included an interest charge, even though the only balances remaining should be my 0 % APR balance transfers. I assumed this was interest accrued during the few short days I had made purchases before paying them off, even though the interest charges seemed high for such a short time. By my XXXX statement, the interest charge had more than doubled even though I had made only a few small charges and promptly paid them off. 

After going to my local branch, calling the support line, and emailing customer support through the Chase app, I finally figured out that the payment I had made on XX/XX/XXXX of {$1300.00} had been applied to my promotional 0 % APR balance instead of my {$1300.00} purchase, and that this purchase had been accruing interest ever since then. From my understanding of the Credit Card Act of 2009, my entire payment should have been applied to my highest interest balance before being applied to any other balances, as I had already made my minimum payment earlier that billing cycle. 

When I pointed this out to a Chase customer service representative, they told me that payments are applied to previous statement balances before charges made during the current cycle, regardless of interest rates. This seems like a violation of federal law to me, as the Credit Card Act doesn't differentiate between statement balances and new balances. My purchase began to accrue interest the day it was posted to my account ( XX/XX/XXXX ), and therefore my payment on XX/XX/XXXX should have been applied to it before any lower interest balances. Their policy means that I would have had to wait for the statement cycle to close and interest on my purchase to be calculated and charged to my account before I could have a payment applied to that balance. 

I am now stuck with a large balance on my card accruing high interest that I currently don't have the means to pay off, while my 0 % balance transfer has been paid off by funds that legally should have been applied elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX  {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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 XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : Equifax XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX  Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and Equifax XXXX however XXXX " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and XXXX, but 0 months for Equifax XXXX # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and Equifax, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for Equifax Inaccuracy # 5 : Date of Last XXXX for XXXX and XXXX, however XX/XX/XXXX for Equifax This information can not be accurate if I'm being provided with different data from each credit bureau.
Product: Credit reporting or other personal consumer reports

I reported accounts on my credit that are not supposed to be on my credit.
Product: Checking or savings account

Company issued check for monthly rent of XXXX and made out to the name our landlord 's company and was dropped at the post office on XX/XX/22 and deposited and withdrew from our account the following day XX/XX/22. On XX/XX/22 we become aware that the check did not arrive at the payees address and was endorsed by an unknown person. Personally went to our bank branch the same day XX/XX/22 to fix issue and was advised to contact police and sign a " Declaration of Unauthorized Endorsement or Altered Item ''. Both actions were done. Constant follow up bank visits, bank phone calls, and emails to XXXX detectives were made and no progress on the issue. Our bank sent an letter dated XX/XX/22 stating that given that no progress has been made the issue would be closed against our favor. No more information was given except that the last communication between banks involved were XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested Equifax remove these inquiries. Under the Fair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized these inquiries, I'm asking that that be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Product: Credit reporting

I requested validation of bankruptcy reference # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore XXXX has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"