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

I used my Discover Business Credit card to pay for services from a website developer. 
The website was not delivered to me - I do have access to the credentials or have ownership of the work. I paid {$3900.00} to have a custom website plus other branding, graphic illustration etc. created for my company on XX/XX/2021. When the work had not been completed in XXXX I filed a dispute with Discover Card that but they charge it back stated that the work had been done. I explained to them that first of all the work had not been finished, and that more importantly I was no given ownership of the website or other assets that I paid for so that does not equate to services rendered because it was not delivered to me. Since I do not have access to the files and right to them I can not not use them. They advised me to take legal action against the company but they would not credit my account,
Product: Money transfer, virtual currency, or money service

I set up automatic payments to my XXXX  XXXX Credit card via Paypal when I first enrolled in XXXX XXXX 's XXXX XXXX XXXX in XX/XX/XXXX. 
Unfortunately, I am on unemployment and have not received an unemployment payment so the XXXX XXXX Credit Card payment set up for recurring payments was declined on XX/XX/XXXX. 
There were no other payment methods authorized for XXXX XXXX 's course via recurring payments so the merchant should have been notified that the transaction was declined. 
Instead, Paypal charged {$360.00} to my personal checking account which I did not authorize. 
I tried to delete my personal checking account as well as all other payment methods from Paypal after this unauthorized transaction was attempted by Paypal. Instead, Paypal paid the merchant themselves and is acting as my bank in requiring me to pay them {$360.00}. 
I am in contact with the merchant but I no longer want to do business with Paypal after this unauthorized transaction was performed. However, Paypal will not allow me to delete my banking information nor my other cards on file. 
Paypal can not hold me hostage to a charge that I did not authorize. I did not authorize a payment to my personal checking account nor for them to make payment for me.
Product: Student loan

I am requesting proof that I am indeed the party that the FED LOAN SERV are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The FED LOAN SERV is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from JPMC Auto Finance and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.
Product: Checking or savings account

Chase placed a lengthy hold on certified funds, stating it's their policy to treat money orders and cashier checks the same as personal checks. On XX/XX/XXXX I deposited 2 US Postal Service money orders each for {$1000.00} ( {$2000.00} total ) into my checking account. Although the funds were certified, Chase placed a generic hold for the maximum amount of time ( 7 biz days ). On XX/XX/XXXX the funds were still on hold and my rent payment was returned NSF. I called Chase Fraud Prevention team and spoke with Virginia (? ). She said I had to continue to wait until XX/XX/XXXX for the money orders to clear and refused to discuss waiving my NSF fee as it's not her area. I asked for a manager, and  was transferred to XXXX. XXXX was more helpful, yet couldn't quite explain the reason that Chase doesn't accept money orders as certified funds. She placed me on hold and had to manually have the funds freed up. Then, I asked her if Chase could re-present the payment to pay my apartment complex in hope of reflecting the original last payment received date. She advised that I would have to visit a branch ( in person ) to sign a NSF OD form with wet signature before XXXX EST. I confirmed the time again as XXXX EST, seeing as how that's the exact time I get off work. XXXX confirmed it, and I made arrangements with my boss to take another lunch break for the day. I get to the Chase branch and speak with XXXX XXXX. He advises me that the true deadline for the NSF OD form is XXXX EST and that there's nothing that he could do. As of XXXX on XX/XX/XXXX I am still trying to resolve this and be made whole. Chase placed a hold on CERTIFIED FUNDS for a generic reason, for the longest possible hold. I'm out of {$34.00} NSF fee for this item, and {$130.00} so far from my apartment complex ( late fees, NSF fee ). Chase should be made to refund my fee, as well as make me whole for the apartment complex fees. I have a transaction history here that reflects that I had plenty of funds to pay my rent with the XX/XX/XXXX deposit, that was held for 7 biz days for a generic reason. I raised a complaint with Chase ( case # XXXX ) but was advised it could take 7 days to even hear from them from an XXXX #, but they couldn't divulge the entire phone number because it's internal. 

My mother paid {$25.00} to overnight these money orders from XXXX XXXX to XXXX so I could pay my rent on/before XX/XX/XXXX, and is disgusted to find out that Chase was refusing to clear the payment until pushed to do so today XX/XX/XXXX. They would have held the money orders for two more days, had I not escalated this today. It should not be legal to hold certified funds and deem them the same as a personal check, and still charge NSF fees when they are the ones causing the funds to not be available. I've attached a snippet from my checking account ( ending in XXXX ) showing the funds available to honor my {$1300.00} rent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. So I also disputed with the collections agency as well sending them a letter certified with a tracking number and do n't recall signing a contract with this company nor did I remember receiving a duns letter allowing me a chance to dispute this allowing me a chance to dispute.
Product: Credit reporting or other personal consumer reports

After XXXX XXXX closed my XXXX perfect payment, credit account even after cashing my on time payments and marking my account as charged off, which caused XXXX XXXX initial XXXX point decrease, XXXX XXXX had my XXXX perfect payment history erased from my credit in XX/XX/2023 to cover up their negligence and fraud which resulted in an over XXXX decrease causing severe financial harm and losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates.

I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Product: Money transfer, virtual currency, or money service

Cashapp sdid not have a live XXXX XXXX speak to about problems I had with my account problems went unresolved
Product: Mortgage

My husband and I applied for a construction loan through Arvest in XXXX, MO. We thought we had done enough research and were going with someone who would help us. We were wrong. First, our DTI was calculated using our temporary rent ( while we build ) as permanent debt after our build, and a " proposed '' payment for a final loan was added to our DTI making it very high. This took some work on our part to get Arvest to fix it. We got all the way through our construction application process ( 8-10 weeks ) and the appraisal came back extremely under market value. Our new construction home was appraised at $ XXXX/sq ft, while other banks were estimated at $ XXXXsq ft. The wrong land was appraised as well. We sent in a appraisal appeal and assumed that the bank would see how under value the appraiser had done. We were told we had to obtain our own comps, and were given no guidelines other than confirmed sold within 12 months and comparable. We thought we did well obtaining comps. We even submitted reviews for the appraiser, XXXX XXXX with XXXX XXXX XXXX. All of which were 1 star for under appraisal. The appeal came back XXXX/XXXX/21 as no changes stating " comps weren't close enough ''. Our house is going to be XXXX sq ft. We used comps of houses XXXX sq ft. They said the lots were too small on some comps. Some used on the official appraisal were 2 acres. The appraiser was at the meeting with the bank appeal team and the appraiser was the one to make the final call. I called Arvest and asked why there were no changes when the land appraised was not even the correct land. I was not given a good explanation and was basically told there was nothing I could do, other than submitting a new appraisal or doing an additional loan causing more risk to us. I have submitted a formal complaint with them and a manager from the bank contacted me ( with no help ). We are now starting from square one at a new bank, with higher ratings. I'm trying to ensure nobody goes through this same boat with Arvest Bank. We have good credit, a good income, and we don't have much debt. There is no reason this should've happened to us. It almost like Arvest did not want to give us a loan.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account Number XXXX My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX Account XXXX My data was affected by the Equifax data breach , resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

The following inquires i never authorized and are on my credit report, they are unauthorized and i would like them removed. Experian Credit Bureau ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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 None of these companies had permissible purpose to view my credit report and according to Section 604 15 U.S.C 1681 B Are unauthorized and i would like them removed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my TransUnion credit file. 
XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 XXXX informed TransUnion Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX  reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. 
this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to validate and correct inaccuracies in my credit report regarding the following accounts : XXXX Account # XXXX XXXX  XXXX Account # XXXX Despite submitting disputes since XX/XX/XXXX, and providing clear evidence of inaccuracies, TransUnion has repeatedly closed my disputes, stating the accounts were verified as reported. However, no documentation or validation has been provided to support this claim. 

Specific Issues : Inconsistent and Impossible Dates : The XXXX account shows discrepancies in the Date of Last Activity and Closed Date. 
The XXXX XXXX account has a future reporting date ( XX/XX/XXXX ), which is impossible. 
Contradictory Payment Status : The XXXX account is marked Current but shows late payments, which is inaccurate and misleading. 
Missing Creditor Information : The original creditor for the XXXX account is not listed, violating my right to know the source of the information under FCRA Section 609 ( a ) ( 1 ).

Failure to Validate : TransUnion has not provided any proof to substantiate these accounts, violating FCRA Section 611. 

Furthermore I have asked you to delete XXXX, XXXX, XXXX from my report as this is not my name and not correct. I have supplied you with my contact information, identification and the correct spelling of my name for six months but yet this still remains. REMOVE this as it is not my information. 
Repeated Disputes Ignored : I have disputed these accounts for six months, and no corrections or valid explanations have been provided. This is a clear violation of my rights under the FCRA. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions failure to comply with the FCRA and mandate the immediate deletion of these accounts from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why accounts are returning verified when I've complained about not receiving information to verify this alleged debt placed on my credit report by you and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX, XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX