23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I walked in a sears store ends of XX/XX/2016 to purchase appliances for new home. I asked for store credit when the sears worker comes back tells me I got approved for {$6000.00} credit card I asked him why he did credit card which he insisted it was better because of no interest 24 months and I cut use it where ever I wanted, that day I purchase about {$4000.00} of appliances, I was left with about {$2000.00} on credit card. I used the credit card on a car dealership for the amount of {$1700.00}. I have been paying monthly never been late. I noticed that I wasn't receiving any bills so I called sears credit card they 1st said that it was because my credit was linked to my previous home address so I asked to  change home/mailing address which still didn't receive anything. I gave them another call because didn't notice my balance going down they told me it shows details on statement which I never received the person that I spoke to that day told me I was in paperless billing and I had already set up an account online they told me a other persons name and email that wasn't me and they had even set up that person with their own credit card and I wasn't informed of. And I didn't have access to my own account. I told her I didn't do it she said it had to be you, didn't care much what I had to say I asked to cancel that persons credit card and change the email address to mine and home address. when I receive the 1st statement it had a {$1200.00} increase so now I have a balance of {$7200.00} I have called a lot of times and they give me different story`s that its 12 months no interest and other person tells me I have two different accounts that I have always been paying interest on 1 account. In one of so many calls I told them if they cut give me more time to pay off so I wont have the pay the {$1200.00} more she told me ok pay me {$2400.00} by the end of today but in a very sarcastic way because she figure I didn't have it. Now that happen I'm getting my statements there intimidating me showing minimum payment {$16000.00} and {$1100.00} which i called and after talking to different people finally one of them told me if u don't have that amount just give {$230.00} so there will be no late fees and wont affect your credit but that only covers interest charge for 2 different accounts. on statements only shows 1 account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new apartment ( XXXX ) on XX/XX/2020. The background investigation company, On-site, reported that a late payment/delinquent account with XXXX exists, which affects my credit and my credibility with companies like XXXX. I contacted Equifax and they claimed that they were looking into it, but this false reporting was supposed to have been removed from my credit in XXXX according to XXXX, whom provided me a a letter that was sent to all credit bureaus. Equifax still has not removed the faulty information and it is affecting my ability to rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT SHOULD BE REMOVED PERIOD.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy.

I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b.

These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates : 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: Credit card or prepaid card

I purchased a XXXX XXXXXXXX XXXX XXXX using my Chase Freedom credit card in XX/XX/XXXX. In XX/XX/XXXX, I noticed an issue with the display and contacted the manufacturer for diagnosis. After some troubleshooting, the manufacturer informed me that the issue could not be covered as it was out of the warranty period. 

I raised a claim with Chase card benefit services and provided a detailed list of documents including the warranty document, invoices, credit card statements, and repair invoice from an authorized service center. After several days of back-and-forth where I submitted all the requested information, they closed the claim saying that the issue was not covered under the manufacturers warranty. 

I followed up with documentation from the manufacturer showing that it was indeed covered under warranty. However, I received a generic response from Chase saying that they would get back to me in 7 days. They did not reach back and when I tried to contact them again, they ignored me.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against PayPal regarding a series of fraudulent charges on my account and the subsequent lack of resolution, despite my repeated attempts to resolve the issue through their customer service. 

On XX/XX/XXXX, I noticed a fraudulent charge on my PayPal account and immediately opened a claim to dispute the transaction. However, on XX/XX/XXXX, the payment was still deducted from my account. To make matters worse, on XX/XX/XXXX, PayPal attempted to withdraw the funds again, which my bank fortunately blocked, but this action caused my PayPal account to go into the negative. 

Over the course of several days, I contacted PayPal customer service and spoke with XXXX different representatives. Each one assured me that the money had not been deducted from my account, despite clear evidence to the contrary. Finally, I reached a representative who understood the situation and documented the issue in my account notes to help future representatives handle the matter correctly. 

However, on XX/XX/XXXX, I contacted PayPal again and spoke with a representative named XXXX, badge number XXXX. She refused to acknowledge the previous communications in my account or confirm her identity via email as I requested. Despite seeing the bank deductions and the previous messages from a PayPal XXXX confirming the double charge, she insisted that my concerns were unfounded and refused to escalate my case to a higher authority. 

As of today, my account has been charged twice with absolutely no resolution or assistance from PayPal. I have never experienced such poor customer service and feel that I have been blatantly robbed despite following all necessary steps to stop these fraudulent charges. 

I am seeking the immediate resolution of this issue, including the refund of the duplicate charge and an investigation into the handling of my case by XXXX customer service team. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Debt collection

credit acceptance corporation i had paid and turned in the car and i had made sure that i handled everything to properly close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; Transunion, XXXX, and XXXX. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these 3-debts as valid and verified. Transunion and XXXX  failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.
Product: Credit reporting or other personal consumer reports

This account was settled and a lower balance was paid in agreement that there would be a pay to delete put in place so it would not negatively affect my credit score. You can clearly see that the account was settled in the notes of the credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 i received an email from paypal informing me that my account was limited. Prior to, i had received a direct deposit from the state of floridas unemployment. Paypal informed me that my account was permanently limited and after 180 days they wpuld notify me and allow me to withdraw my funds which is XXXX usd. My 180 days were up on XX/XX/2021 and i have yet to receive an email advising me that my funds are released. I spoke with paypal all along the 180 day process several times and was not told anything different. I really need the limitation lifted long enough to withdraw my funds and close my account for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in violation by XXXX  experian and XXXX by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate address information that appears on my credit report. My name is XXXX XXXX, and my only address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This is the address listed on my driver 's license, and I do not have any other addresses. However, I have noticed multiple addresses appearing on my credit reports that do not belong to me. 

These inaccuracies are causing confusion and may negatively impact my creditworthiness. I kindly request that you investigate this matter and assist in removing the incorrect addresses from my credit report. 

Please find my contact information above, and do not hesitate to reach out if you need any further information to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card

I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1100.00},, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$690.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$610.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$370.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00},, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00}, XXXX # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.
Product: Credit card

I did not authorize these credit card companies to run my credit for a new line of credit. These inquires were not made by myself. Im a victim of information breaching leak for the following : BILT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Can you remove these hard inquiries off my credit report please.
Product: Bank account or service

XXXX, illicit and illegal direct deposit of monies. 
XXXX XXXX XXXX Ohio XXXX ( XXXX XXXX Illinois XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

was denied because of identity i don't see how and the company wouldn't provide me with details
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit/ Synchrony is in violation of the GLBA for non-disclosure. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information. Care Credit/Synchrony is infringing on my right to privacy pursuant to FCRA.
Product: Credit card or prepaid card

I used my Coinbase card ( Visa debit card ) to purchase gas at two gas stations on XX/XX/. The charge ( {$35.00} ) went through at the first station ( XXXX XXXX ) but not the second station ( XXXX XXXX XXXX ), where I used a second card. 

Besides the gas charges, there are two pending charges for {$100.00} each from XXXX XXXX and XXXX XXXX XXXX. I did not make these purchases, I did not authorize these purchases, and I was not informed there would be such a hold on my card. 

I waited until around XX/XX/XXXX or XXXX to contact Coinbase, figuring the holds would be lifted by then. But they weren't. Since then I've tried calling Coinbase ( only a bot answers ), I've discussed the issue with Coinbase 's text chat ( the person I get always refers it to a 'specialist ' ), and I've sent numerous emails. Coinbase does not seem to be doing anything to lift these holds. 

I've also reached out to both gas stations ; they insist that they can not do anything and I need to reach out to Coinbase. Note that Coinbase told me holds should be lifted after no longer than 10 working days, but in this case around 18 working days have already passed.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX have failed to remove fraudulent obtained account and is reporting inaccurate info incorrect addresses names and phone numbers see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And inquiry from XXXX XXXX on experian and 4 inquiry on other reporting agencies
Product: Debt collection

XXXX XXXX Acct # XXXX, a subsidiary of XXXX XXXX. XXXX, and address of XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Assigned this account over to Transworld System inc on XX/XX/22 for collections. The amount assigned over to Transworld Systmen inc is XXXX. The address of service is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The date of service is from XX/XX/22 to XX/XX/22. I have never lived in the state of XXXX I've been living in XXXX XXXX going on over 30 years. XXXX XXXX XXXX from XXXX, a part of XXXX. A Restoration XXXX is assisting me. In gettting this matter resolved. XXXX XXXX XXXX be reached at XXXX EXT XXXX. On XX/XX/22 XXXX XXXX XXXX placed a conference call to Transworld System inc. The collector who we spoke with. Turned the account over to there fraud dept for further investigation. On XX/XX/22 XXXX XXXX XXXX placed a conference call to XXXX XXXX. The rep at XXXX XXXX advised me on the steps to file my dispute. I went down to the XXXX Police Department. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bus phone XXXX. Officer XXXX XXXX # XXXX filed a fraud Claim # XXXX. Officer XXXX XXXX # XXXX advised me. I can expect a written copy of my fraud claim. Within the next 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX several " hard pulls '' where made on my credit report without my authorization ( in fact, against my express wishes ). I tracked them down as best I could back to what I believe to be the same source : XXXX XXXX XXXX XXXX XXXX. 

To be clear, I was looking for financing for my company, but I was not allowing my personal credit to be used for this purpose which I made very clear in my communication with XXXX XXXX ( email dated XX/XX/XXXX ) to XXXX XXXX. 

All attempts to contact XXXX XXXX have failed. 

XXXX XXXX actually acknowledged the error by phone and advised me to dispute the inquiry on my credit report and when they were contacted by Experian they would confirm the hard pull was made in error. However, since disputing the hard pulls with Experian back in XX/XX/XXXX, no  correction has been made. What's more, I had begun to receive what is clearly junk emails ostensibly from the representative at XXXX XXXX and even advised XXXX that it appeared to me that their email server had been compromised. 

As of this date, no investigation has been conducted that I have been made aware of and the inquiries remain on my credit. 

Experian has also taken to dropping good credit accounts from my report seemingly at random. Beginning in XX/XX/XXXX, again in XX/XX/XXXX, and finally most recently this last month in early XX/XX/XXXX. These are perfectly good accounts that I have made no dispute of and Experian is claiming they have nothing to do with it, nor can they take any action to remedy it. 

In the previous two instances I was finally able to correct it by simply getting lucky and finding the right person on the phone. This last time, XXXX from the Dispute Department as much as told me I was at the end of the line and there was nothing she could do - that XXXX had requested their account be removed from my report and that I should take it up with them. 

A statement which, as near as I can tell, was an outright fallacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I've attempted to withdraw XXXX from my binance.us exchange account. I've been unable to do so as the following message appears when I've attempted to do so on multiple occasions after the aforementioned date, " Withdrawals suspended due to risk management ''. I've sent in a support ticket through the platform 's help desk on the same day and the only responses I get are " We are currently working on the issue. '' For such a simple functionality, I question if this is a technical error with their system or is there some illegal reason behind this. Multiple individuals on twitter are experiencing the same issues with the company and we haven't received a single substantial response on the timeline or reason towards fixing this problem. My account is fully verified according their levels of identification so for security purposes, it passes that requirement for currencies to be withdrawn.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am contacting you in regard to the Zelle transaction XXXX my friend on XX/XX/XXXX and XXXX, 2021. According to the transaction on his account and statement sent me {$500.00} XXXX times on XXXX on these dates but I did not see the transactions on my account and statements as well. Besides I have an account with XXXX XXXX XXXX and he has an account with XXXX XXXX bank. Thank you very much in advance for assist me. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX  XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!