23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a serious financial hardship XXXX month ( I always pay on time! ), and since I have a " simple interest loan '' ( no penalty for deferring a payment, I just end up paying more interest ), so when I learned XXXX of my salary would be taken straight out of my paycheck that month, I called Flagship to cancel the payment I had just made on their website. I asked the rep to stop the payment, but she said they could not because " it had already been processed, so you will have to call your bank and have them stop payment on their side. '' I told the rep to please put detailed notes in her system so when my bank called Flagship and another rep answered, the rep would see the notes and know to do the right thing ( confirm the stop payment in good faith, per our arrangement ). Well, the rep who answered my bank inquiry did NOT refer to or see the promised notes on my case, which meant I could not pay my full rent that month for myself and my son. When I called Flagship and asked to speak with a supervisor about the matter. I told the rep who answered and was unable to do anything at all that I needed to speak with a supervisor ; and, since she wouldn't come to the phone, I asked him to tell her to " call me back and discuss this or ( feeling helpless ) I would be writing up a couple reviews on the XXXX most popular business review sites! '' And so, " Here XXXX am and XXXX Flagship! ''
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as to assume it has to be. I have not been able to get help from them for months but i just remembered I could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and experian report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my XXXX and experian report and letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 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: Debt collection

Multiple robo-calls left on my answering machine. They refer to a XXXX XXXX XXXX, which is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Product: Money transfer, virtual currency, or money service

Re : Notice of disputed charge to Account XXXX. [ XXXX ] I am writing to dispute a charge of [ {$XXXX} to my [ XXXX ] account on [ XX/XX/year> ]. The charge is in error I do not know the person the funds were send to and I did not authorize transaction. I was home in my bed sleep. ]. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, [ XXXX XXXX ] The company declined my dispute so basically telling me its okay for my hard working money to just get taken and they dont care its no way they investigated in XXXX day because it was a holiday yesterday XXXX  XX/XX/year> the claim was submitted XXXX  XX/XX/year> I want my money back
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and i noticed some things are both incomplete and inaccurate. And according to the fair credit reporting act, Whenever a consumer 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. these accounts ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX  Collections : account number # XXXXXXXX XXXX XXXX XXXX XXXX , on Transunion it states Opened XXXX on XXXX it states Opened XXXX ) ( XXXX still says collection account still open. ) The opened dates are not reporting correctly, these accounts are not accurate. all XXXX credit bureaus have diffferent reported information and dates.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by Experian, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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 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. 

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 Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : 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, 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 an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to XXXX and Equifax. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both XXXX and Equifax. I even provided proof of payment in full to {$0.00} to both XXXX and Equifax, but both XXXX and Equifax are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX  regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by XXXX and Equifax. 
1. ) Account Name_ XXXX XXXX Account Number : XXXX XXXX and Equifax : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my XXXX dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled the account.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning to find inaccurate accounts on my credit reportit makes no sense, and Im at a loss as to why this is happening. I regularly check my credit report, and its always been accurate until now. I even tried refreshing the browser in case it was a technical glitch, but the errors didnt go away. This situation is deeply unsettling, and Im asking for a detailed review of the documents Ive submitted to resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had 2 separate credit card payments due to Capital One. I paid both payments late, but before they were 30 days late. I was forced to pay the minimum amounts due, because my mother suffered a tragic death on XX/XX/XXXX, two days before my payments were due, and I was very busy making necessary arrangements for her funeral and subsequently am still handling her affairs, now. 

When I made the minimum payments due, apparently the minimum payments were {$1.00} and {$3.00} short, because additional interest accrued on the accounts 3 days after the minimum payments were due. Capital One is reporting each account 30 days late to my credit bureau. One 30 days delinquent by {$1.00} and the other account 30 days delinquent by {$3.00}. 

I received a Capital One Credit Wise alert to advise me that 2 of my accounts were 30 days delinquent and my credit score had been affected by 156 points. I was mortified. I then logged on to verify what the problem may be. When I realized the amounts of {$1.00} and {$3.00} were being reported delinquent, I thought it must have been a mistake. I called Capital One, immediately. After speaking with several reps, they were unable to locate the delinquent accounts and sent me on a wild goose chase insisting that it must be " some other credit card company reporting the delinquency because Credit Wise reports all credit card accounts. '' After spending hours calling every credit card issuer I have, I realized no other credit cards were delinquent and I called Capital One back. This is when a supervisor, the second supervisor I spoke with, advised me that yes, the two accounts were delinquent. One in the amount of {$1.00} and the other in the amount of {$3.00}. I asked if there was anything I could do to have the delinquencies removed, because it was affecting my score by 156 points. It was my first 30 days delinquency, ever. They said " no. '' Just " no, '' and refused to assist me in any way. I hung up and called back only to receive the same answer. I spent considerable time making 5 calls into Capital One, and the representatives were condescending and obnoxious. I have since paid the {$1.00} and {$3.00} oversight, but they refuse to correct the mistake.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records 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 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 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  Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX  {$5600.00} XXXX # NA XXXX XXXXXXXX XXXX {$6800.00} Authorized user XXXX # NA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I requested some form a contract we verification on this XXXX party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX # XXXX I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not recieved anything and its been longer than 30 days!!
Product: Debt collection

I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( XXXX ).
Product: Bank account or service

I paid off a mortgage with Fifth Third Bank, XXXX, Ohio. 

They received the payoff on XX/XX/2016. There is additional funds due me thru Escrow and Principal. Called the company to find out why this money has not been forwarded to me and I get some excuse of waiting 10 work days before they can send out the money due me. This is my money not the bank I expect this money to be refunded to me asap and now with interest. They charged me interest on their money and now I am charging them interest on my money. Why are banks allowed to get away with keeping other people 's money. If it was there money, the bank would want it that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX and Transunion are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Product: Consumer Loan

I had XXXX accounts through Paypal Credit. I was shocked to receive a letter the other day saying I owed some money. I had previously contacted Paypal and was told my account balance was at XXXX. I thought everything was fine. This was the FIRST letter I ever received from Paypal. I did not know I had any kind of balance. I took care of it immediately and tried to reopen my account. Now, Paypal is refusing to open my account even though this was through no fault of my own. They told me I did n't owe anything and I believed them. I asked for a Supervisor today at Paypal thinking he could straighten this out. He said he could n't. I am extremely upset because I pay my bills on time every month. I am trying to reach someone at their Corporate office that will understand. I need to get my credit line reopened. Again, I called them and was told I had a XXXX balance. I need help.
Product: Credit card or prepaid card

On XX/XX/XXXX an unauthorized charge was made to my PayPal account. 
This charge was flagged as suspicious and I was notified. 
I immediately reported this charge as unauthorized. 
That should be the end of an issue. 
The company denied my claim stating that it was " consistent with my prior activities ''. This is plainly FALSE since I never send money to anyone. 

Transaction ID XXXX TotalXXXX EUR {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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: Credit reporting or other personal consumer reports

This account was reported in accurate to the XXXX main credit reporting agencies and I have tried numerous times to have the correct the account. This company is in the process of going bankrupt.