23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately.
Product: Money transfer, virtual currency, or money service

Hi, I continue to have difficulty with returns made from PayPal Credit purchases. They are always intercepted by PayPal, applied as a balance and the original purchase remains on my PayPal credit account. This time its even worse. When the {$770.00} was returned to me I was assessed a fee of {$23.00}. This has been going on for years, but now with the fee as the new twist. 

The original purchase was XXXX XX/XX/XXXX and the refund date was XXXX XX/XX/XXXX. 

The item was returned and a refund issued due to fitment issues. I contacted the vendor and asked them to look into the refund method since the refund was not applied to the original purchase method. They stated its the standard procedure they always use for refunds. 

Given my extremely terrible past experiences dealing with issues that cross between PayPal and PayPal Credit, I have zero confidence that the regular customer service will be of any help and they will bounce me back and forth until Im angry, exhausted and having invested way too much time spent on the phone with no resolution at the end.

I think its unfair that I keep having to deal with these problems between PayPal and PayPal Credit and the absence of any streamlined practices to address these problems when they arise. Plus now theyre trying to in essence steal money from me.

Any help getting this issue the proper attention would be greatly appreciated and hopefully a solution for all the other customers experiencing this problem is discovered. I imagine Im not the only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Product: Bank account or service

HiOn XXXX XXXX, 2015 I requested wire transfer of {$4000.00} to my friend in XXXX XXXX 's XXXX and XXXX XXXX, XXXX Mgr at Wells Fargo Bank XXXX Wisconsin XXXX XXXX XXXX XXXX did wire it on XX/XX/2015 Monday XX/XX/2015. She is telling me to get full details of receiver and atty. XXXX after sending wired sum that I gave in cash. 
I am unable to get their info and requested that it is Wells fargo Bank 's responsibility as they did contact XXXX XXXX 's office thru their e-mail system and it was quickly replied by his office. 
I have repeated ly requested XXXX XXXX, Serv Mgr to recall wired sum and credit my cheking account with them. She is giving me run around. 
Please help get wired sum back in my bank account with them immediately. 

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, wi-XXXX. 
Checking A/c # XXXX
Product: Credit reporting or other personal consumer reports

they are refusing to add my address and are using employers that i never reported please update my address to XXXX XXXX XXXX XXXX, pa XXXX and delete all listed employers
Product: Credit reporting or other personal consumer reports

These are actually fraudulent accounts and collections accounts appearing on my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, 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 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: Debt collection

I am filing a complaint against Midland Credit Management regarding their handling of a supposed lawsuit for a XXXX credit card debt of {$3400.00}. My aunt was given a document stating that the company intended to sue me over this debt. Upon receiving this information, I immediately contacted the company through their web services to ensure written communication. 

During our conversation, I informed them that this was the first time I had heard of the debt and that I was not currently in a financial position to pay the full amount. They stated that there was nothing they could do unless I paid, at which point they would dismiss all legal proceedings. As a student, I explained my financial situation and attempted to negotiate a lump-sum payment for a smaller amount, but they refused. Eventually, I was able to arrange a payment plan of {$50.00} per month under the condition that they would remove any legal proceedings against me. This agreement was reached on XX/XX/XXXX, and I was told I would receive a stipulation letter to sign, ensuring that no further legal action would be taken. 

As of today, XX/XX/XXXX, I have not received the promised letter, nor have I found any record of a lawsuit filed against me in court records. Despite this, their website continues to indicate that a lawsuit is pending. I am concerned that this company XXXX be using deceptive or fraudulent tactics to pressure me into making payments under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off with Kohls/Cap One showing up on my credit report but when i call them they can't find my account. I also have a collection for Kohls on my report and when i have called to find out about it they tell me that it's past the statute of limitations and they can no longer collect. I can't seem to get this account removed off my credit report or at the very least paid. Can someone please help me to get this removed. I have tried to get this resolved but had no success.
Product: Credit card

I tried to cancel a order for hair treatment shampoo and instead of canceling I was sent three shipments of product charged three times on my Pay Pal account that I did not order. In the process of canceling they processed as a order. I followed their instructions that was meant for all three charges. They only addressed one charge and not the other two. I called them and they could only hear my comment as one of the orders. I can't understand why they couldn't listen to my request and follow through. 

Transaction Details Case number XXXX Seller 's name XXXX XXXX XXXX Transaction amount {$180.00} XXXX XXXX date XX/XX/year> Your transaction ID XXXX and these extras not address in the above. 
XXXX XXXX total of {$350.00} Pay Pal denied my request to enforce XXXX XXXX XXXX to send me a return label. I have been forced to except 115 bottles of hair shampoo that I thought was canceled but instead landed on my front door landing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

After reviewing my credit report, I noticed a LATE payment reported on my mortgage account. About three weeks ago, I called XXXXUNITED WHOLESALE M and explained what happened, told them that the reason for the delay was that my husband lost his debit card, and we forgot to link the new card to the mortgage account after we called to cancel the lost debit card. This was an oversight and/or ignored, I was willing in good faith for them to fix this issue. I should not suffer damage to my credit score because of it. I am now asserting my rights under 15 USC 1666b, which states that a creditor can not treat a payment as late if it's related to a credit card under an open-end consumer credit plan. Reporting this late payment is a violation, and I request its removal from my consumer report immediately.
Product: Student loan

Good Afternoon, My name is XXXX XXXX and Im currently an XXXX on XXXX XXXX in the United States Marine Corps. 
Im a helicopter pilot based out of XXXX XXXX and have been in for 6 years. 
Recently, my intelligence shop has notified me that my student loans have been flagged in their system, and because of that, I may lose my security clearance, and potentially my job. 
Unfortunately, my current student debt is up to {$180000.00}, and even worse its a private loan from Sallie Mae and Navient. 
When I first signed for the loans, my dad and I agreed that we would split the debt and pay it off individually, but just over a year ago, he passed away unexpectedly from XXXX  XXXX. Because Im the co-signer, I have taken the entirety of the loan. My mom has stopped paying the other half, and weve recently discovered that dad did not leave anything behind for my family and I to help cover this debt. 
I currently live on base with my wife and son, living on one income to support us as she also attends school. 
Ive contacted Sallie Mae and Navient about the situation. I was paying about {$800.00} a month after I joined the military, but since the passing of my dad and now supporting a family, I can not make that kind of payment. Ive offered to pay an amount within our budget, XXXX a month, but they have both denied that offer. 
XXXXm reaching out in hopes that there may be something youd be able to do to help my family and I in this situation. Anything would be greatly appreciated. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is reporting an account that does not belong to me from New York Federal Count. I sent a letter ( image is attached ) to the data furnisher that has been returned as undelierable.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I am filing a formal complaint regarding unauthorized hard inquiries that have been placed on my credit report by the credit bureaus. I have recently reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were added without my consent or any legitimate credit application on my part. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on my credit report when I have explicitly authorized a creditor to check my credit for a loan or credit application. Since I did not authorize these inquiries, I am requesting their immediate removal. I have attempted to resolve this matter directly with the credit bureaus, but they have failed to take corrective action. 
I am seeking the CFPBs assistance in ensuring these unauthorized inquiries are removed from my credit report and that the credit bureaus comply with federal regulations regarding credit reporting accuracy. Please advise on the necessary steps to escalate this dispute and protect my consumer rights. 

The accounts in question XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. And XXXX XXXX XXXX ( XXXX XXXX ) reporting is extremely inaccurate, and they have corrected nothing I have submitted over the last 6 years alone. And apparently are not running any updates at all for some time. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. 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  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting, wrong name and wrong social security reported, balance due for one and more account is inaccurate. I have tried to resolve this matter several times over the last several months but there have been no changes even when providing proof submitted and the company complies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX XXXX$4.00}, XXXX {$31.00} and XXXX for {$52.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The tradeline for XXXX bank shows that the status is included in Chapter XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through Experian, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.
Product: Credit card

A line of credit was opened under my name with a company called Netcredit without my consent, I called the company to have them close the account and remove it from my credit report, but the company refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Correct the account 's information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report an unauthorized hard inquiry on my credit report conducted by Synchrony Bank/Amazon on XX/XX/year>. I did not apply for credit, authorize this inquiry, or give any form of consent for this company to access my credit report. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this matter, as I believe this may be a result of identity theft or a mistake. I have also disputed this inquiry with the credit bureaus and requested its removal. 

This unauthorized inquiry has negatively impacted my credit, and I am requesting assistance from the CFPB to ensure that this matter is resolved and that the unauthorized inquiry is removed promptly. 

Thank you for your time and assistance.
Product: Debt collection

This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to make an ATM transaction for {$200.00}. from The XXXX XXXX in XXXX Florida. The transaction was DECLINE as you can see from attached data sheets provided by BOA. However, the Hotel charged {$500.00} to my ATM card. I did not authorize this transaction nor does this transaction have any supporting data showing that money was dispensed from the machine. I disputed this ATM transaction with BOA on XX/XX/2021. However, I received notice from BOA indicating that I authorized the transaction. However, the documents that BOA sent does not show authorization nor confirmation that the ATM machine dispensed {$500.00}. Therefore, I filed a fraudulent charge with BOA saying that I did not authorize the transaction as the records indicate there is no authorization and no cash dispensed. However, BOA refuse to refund my money. Can you assist with getting my money refunded from BOA, who charged this amount to my checking amount. I am attaching supporting documentation, showing my initial transaction for {$200.00}. declined. The {$500.00}. amount has NO supporting transaction data which indicates that this amount is charged without my authorization. Any assistance that you can provide in resolving this matter is helpful. Thank you!