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

On XX/XX/2022 I ordered a used phone from XXXX user name ; XXXX in the amount of {$710.00}. I received the phone and found it had a defective battery. The battery would lose power by the minute without use. I contacted the merchant he told me I could return if I paid the postage, he would reimburse me. I sent the phone back on XXXX XXXX. 
I used PayPal synchrony bank to pay the merchant. I have been a long time customer. The last four digits of my account number is XXXX. I contacted Paypal for the first time in XXXX for a reimbursement of my money. The first case was found in the favor of the merchant. On XX/XX/XXXX, the merchant said he had not received the phone. At that time I provided tracking number, I confirmed with my postmaster that the phone had reached his locked box in XXXX Hawaii on XXXX XXXX synchrony bank was supposed to do an investigation. That never happened. The first case was ruled in favor of the merchant saying he had not received the item. At that time I provided faxed emails from the merchant saying that he had received the phone and would pay me back. He did not want to pay me back the tax. I contacted synchrony bank to escalate the case. # XXXX upon investigating the second case, it was found in the merchants favor. They said I had provided a wrong tracking number. I called PayPal synchrony bank and spoke with XXXX a supervisor. She was able to verify the tracking number was indeed correct and that he had received the package. The supervisor, XXXX told me that there was all sorts of supporting evidence that she was looking at. I contacted the attorney generals office in New York State. The attorney general told me that he would be willing to refund some of the amount less the taxes. When I tried to contact him through an email he had blocked me and was no longer talking with me. therefore, I can not trust him to reimburse me. Period synchrony bank should have done their job. They should be the ones reimbursing me. I have now escalated the case for the third time. They have all the emails that confirm the merchant says he received the phone. 
I am XXXX XXXX XXXX and this has stopped me from shopping on XXXX or using PayPal since XXXX. My credit score has always fluctuated between XXXX and XXXX. I returned a defective item! at this point there should be no question as to whether I deserve a full refund of the money I spent. In the amount of {$710.00} I fear this is going to ruin my excellent credit rating. I can not tolerate that after having an excellent credit rating for over 30 years Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX XXXX XXXX XXXX turned an account over to collections after my bankruptcy was discharged. It is now showing on my credit as a collection discharged in bankruptcy instead of a closed account discharged in bankruptcy like it should. The other 2 credit bureaus do not have the information listed under collections like Equifax does. I have contacted Equifax and they have not taken any corrective action to have the account listed correctly. The account should be listed as it was when I filed for bankruptcy, they can not change it to in collection after the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/midland funding XXXX XXXX XXXX letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report
Product: Credit card or prepaid card

We were evacuated during hurricane XXXX by the state of Louisiana and we were in a motel for many weeks, we went months without no mail. Used credit card for everything, FEMA reimburse us for most of the cards. We had very poor living conditions where we were housed. FEMA was doing bank deposits to our accounts to cover these bills and then we were doing bank draft 's to the credit card company. They later claimed we did not pay them. They had double billed us and I would file dispute which went on since XX/XX/2020 to now. They would remove charge then week later put it back, pus add extra fees. Billed on charges with wrong dates, billed before we were evacuated. I closed the account, paid them over {$7000.00} in a few months then they turned it over to a collection agency. Tried to destroy my credit with credit reporting agencies. They finally removed most of the charges giving credits but never notified collection agency and now they are threatening me on charges that do not exist. They also failed to report the changes to credit reporting agency. I paid bill in full but {$50.00} and then they added charges which I had already paid. Hey claim the disputes were with motel when they were with the credit card company. American Express has taken advantage of our misfortune, took advantage of us with the fact that we didn't get mail for many months and we were making our payments without seeing bills and going by their good faith their word which turned out to be no good. Had been a customer with him for many years never was late late on a payment always paid my bills in full. As I said I gave them over {$7000.00} within several months. When we did get back to our home we were homeless lost everything our home and everything we own. XXXX XXXX XXXX is the collection agency and even after I called them they did not believe what I told them. Now I have received another threatening letter on charges I do not owe and even after American Express credit the account back they failed to notify the collection agency and is still trying to collect on money I do not owe. I have copies of it all. I'm homeless and living with a relative and isn't not enough American Express is now trying to destroy my credit and my character. I believe this is being done because I paid off the balance fast and they did not get to charge me high interest and extra fees. American Express failed to report the {$7000.00} to the credit reporting agencies also. Bottom line instead of using the money to secure me housing I paid my bills and for my actions and good faith they have turned my image into a lying thief. Now this collection agency is trying to collect on funds not owed. That can't be legal. American Express has preyed on the fact that we lost everything and have no funds to fight them. Beware check your statement non stop.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.
Product: Checking or savings account

A few weeks ago, my SoFi bank account was unexpectedly restricted due to some faulty ACH transfers from my connected external bank account. I spoke with two SoFi representatives who assured me they would assist in resolving the issue, but my account remains restricted. I've since removed the external bank connection that caused the problem, and it's now resolved on my end. However, I need SoFi to lift the restriction so I can continue using my account.
Product: Credit reporting or other personal consumer reports

1XXXX XXXX XXXX  balance {$940.00} no action was taken by the company 2.PYOB balance {$750.00} no action was taken by the company XXXX ) XXXX XXXX {$1100.00} no action was taken by the company 4 ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company 5 ) XXXX XXXX XXXX XXXX  balance {$230.00} no action was taken by the company
Product: Credit reporting or other personal consumer reports

I HAVE CALL AND SENT OUT MAIL TO ALL THE MAJOR CREDIT REPORTING AGENCIES TO PUT THEM ON NOTICE!! BUT NEVER GOT A ANSWER... I HAVE NOW SENT A COPY OF THIS NOTICE TO ALL XXXX AGENT IN MY STATE I am an identity theft victim and i have absolutely no knowledge of the allege debts listed on my CREDIT file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) listed on my Police report and Identity theft report be remove IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL EXPENSE. my attorney is ready for FEDERAL COURT or ARBITRATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ACCOUNTS FROM MY FILE BLOCK
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.
Product: Credit reporting or other personal consumer reports

My credit report shows {$21000.00}, {$12000.00}, and {$10000.00} as being owed to XXXX. My only current loan would be the {$21000.00} one. I reported a complaint previously to XXXX  but the loans were saying they were XXXX & XXXX at the time so XXXX said the balance was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, please help me with my concern. I saw GM FINANCIAL on my credit report and I have late payments in payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Product: Checking or savings account

XX/XX/2017. I deposited a check i forgot to sign it. They froze my account and wouldn't give me my money back. The check was for over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  on income tax related charges XXXX XXXX, 2011. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of multiple unauthorized inquiries from your company that have appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX  CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS HAS VIOLATED MY RIGHTS ) 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

My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.
Product: Money transfer, virtual currency, or money service

Paypal 's new " pay in 4 '' option. 

I have had several instances of making payments and then returning the materials so my money is refunded. Although I can see that the company has refunded the money to Paypal, they only show a " refund pending '' balance in my account for weeks or sometimes MONTHS. I have been unable to actually get my refund until I speak with 5-10 customer service representatives and/or file a complaint with the local Better Business Bureau. This has happened to me now on four separate occasions. I believe it is purposeful on their part.

I'm attaching the latest one, refund sent by the company on XX/XX/XXXX, but it's still showing as " pending '' in my account.
Product: Checking or savings account

I have a check from XXXX ( a well known financial institution ) for my retirement funds that I desperately needed. I deposited the check at an ATM ( XXXX ) on XX/XX/year> and it said my funds would be available the next day. Now theyre placing a hold on my check for 8 days and the reason is because it takes time for banks to send information from XXXX another. What??? I have never had this issue at any other bank. It takes XXXX seconds for them to contact XXXX to confirm the check. Its not like my check is coming from an individual, its coming from a XXXX XXXX. Theyre placing me in financial hardship because they drag their feet getting things done.
Product: Debt collection

Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
Product: Checking or savings account

I placed an order with XXXX on XX/XX/2023 for XXXX XXXX. Upon delivery I noticed the wrong food was delivered to me, I instantly reached out to XXXX XXXX  about the issue and was denied a refund or credit instantly even with proof of the order showing it was not at all what I ordered from said restaurant. my ordered contained XXXX items i received XXXX items that where clearly not mine missing drink missing fried rice, steak, beef, I did not order chicken, broccoli, or none of the things in the photo. After being denied I reached out to customer service again and advised them its not ok that I did not receive the correct food and I lose out on XXXX dollars. I was told to reach out to the appeals department which instantly denied my refund also with proof of pictures of the food not being close to anything I ordered. I ordered steak and beef and received chicken and mushrooms. I advised XXXX I would be contacting my bank to dispute, upon doing so I just received notification from cashapp that my claim was denied. This isnt the first order that I have had issues with. XXXX has a messed up refund policy that states only XXXX refunds or credits per account and after that youre pretty much XXXX if these restaurants or drivers mess up. Its unfair and not ok to keep peoples money. Ive had so many orders come incorrect and missing items but I let it slide because its wasnt such a high amount but I will not let an order I did not eat or could not eat because Im XXXX  to mushrooms go ignored.
Product: Debt collection

To Whom It May Concern, Account Number : # XXXX / TEK COLLECT Reviewing my annual free credit report, Ive notice TEK COLLECT negative account on my credit report. I have never heard, never signal a legal binding contract with TEK COLLECT and I have never heard or received any documentation from TEK COLLECT. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to TEK COLLECT. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from TEK COLLECT referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with TEK COLLECT, I am not obligated to buy for the alleged debt TEK COLLECT is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and TEK COLLECT account is negatively impacting my ability to qualify. 

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

My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I contacted a male named XXXX XXXX he was selling a French bulldog puppy named XXXX he sent me pictures and a call saying that the puppy was in a good health that I had to send him {$1600.00} through the apps XXXX XXXX and I sent it right after I noticed that it a scam, I called my bank wellsfargo the representative told me that it was Authorized push payment fraud ( APP fraud ) is a form of fraud in which victims are manipulated into making real-time payments to fraudsters, typically by social engineering attacks involving impersonation. That I didn't have to worry wellsfargo was going to refund me my lost money {$1600.00} then wellsfargo called me and told that they can't do nothing to refund me that money because they don't have the power to do it so, Even they said about that APP fraud was a scam. I called them to say that I have 10 yeas with them and I didn't have a problem like that before but I could see that they didn't know what they were doing about it. This is the case number # XXXX