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

This is complain about PAYPAL I purhase product from XXXX I paid to XXXX XX/XX/XXXX, Payment Transaction ID : XXXX - {$6500.00} USD I used PAYPAL to pay for this transaction Then PAYPAL used XXXX XXXXXXXX to process the payment see attach XXXX XX/XX/XXXX XXXX XXXX ... XXXX {$6500.00} XXXX XXXXXXXX Then I did not heard from the seller for long time and I decided to open dispute Case details Case ID : XXXX from PAY PAL Disputed amount : {$6500.00} USD Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Date reported XXXX XX/XX/year> Invoice ID : XXXX Then problem was resolve and I close dispute Your responses XX/XX/year>, XXXX PDT You notified us that youll no longer be disputing the case with your financial institution.l Meanwhile XXXX XXXX XXXX  was notify as well When I notify the that I want to dispute charges they transfer money back to my accountXXXX XXXX XXXXXXXX. 
Then I told them I want to cancel dispute they perform following transaction see XXXX XXXX XXXXXXXX and send me a letter see XXXX In this letter they saying that they talk this amount of {$6500.00} out from my account, but it does not say anywhere where these money went. 

I ask to provide me documentation of my money location or reversal of charge back receipt. 
They refuse to provide any of these documents or tell me location of my money. 

They claiming that money went to PAYPAL, but PAYPAL saying that they do not have money too. 

Latest development was that PAYPAL told me that money were transfer to the seller, but how it's possible if in the same time they claiming they do not have money in their possation. 
Paypal also refusing to provide any documentation to proves their claims. 

Bottom line I do not know who actually stole my money. It's been over 90 days already. 
Last time I talk to Paypal manager and she told me that it's going to be another 75 days. 

I do not think I am going to see my money even after 75 days. I think these money are stolen Dispute number for XXXX  is XXXX Please help me
Product: Credit card or prepaid card

Hi i called XXXX XXXX credit card service to cancel a balance transfer on XXXX the XXXX 2019 and it was unsuccessful and i was told that i need to called chase to get the balance transfer in the amount of {$400.00} reverse back to my XXXX XXXX credit card ending XXXX .. this transfer was done in a error and was send to my chase credit card ending in XXXX that was open fraudulent and im seeking to have {$400.00} reverse back and chase has received this transfer on XX/XX/2019. and i contacted chase credit card payment dept about this issues and they told me that they dont reverse balance transfer and i need to contact XXXX XXXX to open up a " transmitter report '' which XXXX XXXX already done and they received a answer from chase bank and said it was declined and another banker told me they need the cardmember permission and called chase again and told me it was denied but this transfer was done in a error and im seeking {$400.00} reversed chase credit card service received this transfer on the XX/XX/XXXX or the XXXX ...
Product: Credit card or prepaid card

Citi constantly reaches out to me to open another card. 
I have a few cards, have paid off most of them and the letter I received is my application was denied due to credit, number of delinquent accounts and high balances. 
Well, they approved another card a few months ago and have been sending information to open another account at zero percent. 
I think Citi doesnt want to lose more money .... Citi claims they used XXXX. 
I have included XXXX on this complaint, it shows no lates and no high balances in comparison to open account and a perfect payment record. 
So lying is okay to bait me into applying???? This is FRAUD. 
My credit score is over 700. 
I think this kind of misleading advertising should be illegal. 
And to say I have delinquent accounts is a LIE. 
What is being done about this kind of misleading, baiting and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted to TRANSUNION on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named XXXX XXXX. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from TRANSUNION for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly TRANSUNION did not even make any mention of the Dispute Item regarding the fact that the account with XXXX was Settled for {$480.00}. It appears that XXXX and TRANSUNION completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that TRANSUNION will remove XXXX XXXX item from my credit report. XXXX  and XXXX  removed XXXX collections from those credit reports several months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX  Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

My friend sent {$140.00} to my account. She has th as XXXX transfer on her account I don't have it. Cash app say " we don't see it " well she has proof she deposited it. Have her call us, this has gone on for 2 days.
Product: Mortgage

I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax, for filling to properly investigate my disputes regarding inaccuracies. In my credit report, despite my submission, equal facts consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the fair credit reporting act. FCRA. 15 U.S.C1681i which mandates a reasonable investigation of disputes. Furthermore, equal fax 's actions may also contravene. The consumer financial protection act CFP A12U dot S dot T5536A18. It's highlighted in the CFP b 's recent administrative proceedings file No. ( 2025-CFPB-0002 ) against them for similar violations, I request that the c f p b take action to ensure equifax complies with the federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

Over the period of 3 months starting around XXXX, Ally Financial began contacting me trying to reach another person about a debt and leaving messages on my voice mail. I dismissed the calls as they didn't pertain to me. However they called began to increase in frequency ( 5 or 6 times within an hour ) to a point where I had to begin blocking them. They changed tactics after this by using private or blocked numbers to bypass my blocks and using international call centers to try and reach me.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was a direct hit of Hurricane Irma XX/XX/2017. I was told by Wells Fargo that they would give me a 90 day disaster relief with no questions asked. I was told the owed amount would be put on the end of my loan. After my disaster relief period I have paid my mortgage faithfully every single month. Recently Wells Fargo as put my home in foreclosure status. They have listed on my credit that I have numerous missed payments. I went to refinance my home and was told I had 6 missed payments EVEN though I have faithfully made my payments after the disaster relief. I was DENIED refinancing because of this reported " missed payments '' and " foreclosure status ''. So now I'm facing ruined credit score and the possibility of losing my home. How could a company do this to someone after faithfully making their payments. They said the only resolution is to pay the {$7000.00} plus in owed payments. If I accepted the " disaster relief '' then how would I be able to come up with over {$7000.00} just like that?! I'm disgusting by Wells Fargo and the lies they told us victims of Hurricane Irma.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
Product: Vehicle loan or lease

This loan is charged off. Initially when doing the paperwork I was under the impression that that this was an in house financing option and also was told Id be making payments towards the price on the window sticker. It was not until the signing and reviving of more paperwork was I aware that an additional loan would be taken out through another party and that I would pay the third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My names is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer PHH Mortgage Services and I have been having accounting and servicing issues with my mortgage loan. My payoff is wrong amongst other accounting issues. I sent a QWR to PHH Mortgage Services. PHH sent me a letter back stating that XXXX XXXX, XXXX. was the owner of my loan. In XXXX of XXXX I decided to call XXXX directly to discuss my payoff. When I called XXXX XXXX  they stated that they did not have my names, address or social security number in their data base. XXXX also stated that they do not own my loan or property. I called again in XXXX of XXXX to make sure the information that was given unto me was proper and valid. In XXXX I was told the same information. XXXX does not own my loan/property ; nor does XXXX have record of my personal information within their systems. 

In XXXX a XXXX party debt collector ( XXXX XXXX. ) sent me a letter stating that his firm was attempting to foreclose on my home on behalf of PHH Mortgage Services and XXXX XXXX. 

The Supreme Court of Georgia ( You vs. XXXX XXXX XXXX ) ruled about 6 years ago that only a secured creditor has the authority to foreclose. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX of Georgia ruling ) states that only the secured creditor has the authority to authorize/advertise a non-judicial foreclosure in Georgia. 

I have put PHH Mortgage Services and XXXX XXXX. on notice that XXXX does not own the loan. However, PHH Mortgage and XXXX XXXX. are still attempting to collect a debt on behalf of XXXX XXXX XXXX. These actions are illegal. This is theft. This is immoral and needs to be addressed and corrected.
Product: Money transfer, virtual currency, or money service

I dont even use the app CashApp. But somehow XXXX dollars was sent from my bank using my cashapp account because my card is linked to it. Ive contacted cashapp customer support but no response. I dont know if this is fraud, or a hacker or what. But it is a big deal, Ive frozen my cards but I need to get that XXXX dollars back.
Product: Credit card

Hi, I would like to dispute a overcharged that SPIRIT_Bank of America ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Bank of America claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX
Product: Vehicle loan or lease

I lost my job. Charge me to much interest rate on the vehicle. The company is Santander consumer USA. And they told me that the loan was sold yo another company and it is still on my credit report. And I also have some hard and soft inquiry on my credit report that I am not aware of and I cont these company and wrote letters to ask can they please remove all off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and experin to remove this inaccuracy from the credit reports
Product: Credit reporting or other personal consumer reports

I provided all three credit bureaus on XX/XX/year> ( XXXX, Equifax, and XXXX ) to remove the name, addresses and employment that are reporting on my credit report is incorrect and needs to be updated with correct name, address and employment. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was monitoring my XXXX XXXX evening of XX/XX/year> and noticed my score had decreased. I then noticed that a XXXX XXXX XXXX XXXX XXXX was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called XXXX XXXX credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. XXXX XXXX credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX
Product: Debt collection

Debt was paid directly to original creditor XXXX  XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). 

I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.
Product: Credit reporting or other personal consumer reports

I am disputing these inquiries that was not made by me and was not authorized on my behalf I do not recognize these inquiries and need them removed from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXX and had a payment due XX/XX/2021. It is not even 30 days late and I have the Vice President calling my phone saying that he has approved " action '' to be taken if I don't call the office back. I came down with XXXX in early XXXX and am still on XXXX. I can barely complete more than a few sentences without XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctors have said I'm a " XXXX XXXX '' patient and they aren't sure how long these symptoms will last. I'm unable to work right now because I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I full intend to repay this loan as soon as I'm able but I feel like having the vice president call my phone and threaten " action '' ( unspecified action ) if I don't call back by XXXX is a bit much for someone who isn't even 30 days late.