23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT 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, Account XXXX XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX : XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/2024 from XXXX, that a background check had been run on me at the request of XXXX. I was never notified about this request nor did I give permission for this to be given to XXXX. This is a blatant violation of my rights and I want to take action to prevent this from happening again and to make sure that XXXX as well as the background check company are punished to the full measure of the law. This can not be allowed to go unchecked and an example must be made so all companies who would think to do this are made aware of the consequence.
Product: Money transfer, virtual currency, or money service

Paypal. 

I have contacted paypal over 3 times by phone and over XXXX times by message. I am unable to purchase things with my credit cards through paypal. XXXX has been completely unhelpful. Attached are screenshots of proof.
Product: Credit reporting or other personal consumer reports

Experian has now notified me 3 times in 3 weeks they have updated my middle name, how pathetic
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. 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. Account ( XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX
Product: Mortgage

My mortgage amount for XXXX XXXX XXXX place is {$2700.00} with THE MONEY SOURCE. 
In the month of XX/XX/XXXX however, XXXX charged me {$3100.00}. I have no lapse in insurance coverages or anything so I contacted them requesting an explanation and a refund. I got neither. 

I did realize sometimes in XXXX of XXXX, XXXX conieved with my XXXX agent to put XXXX  Insurance on my property. I immediately opted for a more reputable insurance company- XXXX XXXX XXXX. The XXXX XXXX agent and myself emailed and called in my new policy several times but XXXX pretended not to receive our barage of calls and emails. 

Then in XXXX, instead of acknowledging my new insurance information they decided to overcharge me without explanation. 

I contacted XXXX  requesting explanation for the overcharge and refund. Uptill today, I neither received an explanation nor a refund from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, XXXX, Transunion and XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( ( Block.Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electric Fund Transfer Act ( EFTA ) and regulation E These actions has caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Account is santander auto loan from 2020.
Product: Debt collection

I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.
Product: Debt collection

XXXX sold a old debt that appears as a new delinquent account which violates my fcra rights after constant contact these companies refuse to remove or update inaccurate information
Product: Credit card

On XX/XX/2016, I called synchrony bank responding to a settlement offer. At this time I was advised that I was approved as a settlement of XXXX broken into 3 payments in the amount of {$76.00}, due XX/XX/2016, {$76.00} due XX/XX/2016 and a final payment of {$78.00}, due XX/XX/2016. My first payment cleared without any problems, however my second payment was not deducted out of my account as advised. I called synchrony bank and was advised that my payments were not set up this way. The representative apologized and set the payment up to be deducted and then I requested to speak to a supervisor to ensure that the settlement offer was still going to stand. I was put on the phone with XXXX and advised that a complaint was being entered on my behalf. My complaint number is XXXX. I was advised this complaint will show that I was advised that payments would come out of my account automatically. I was advised to call back two days after the payment posted to ensure that my account was still in the settlement department. The payment was made XX/XX/2016. I was also advised to set up the third payment at which time I asked whether the settlement would still stand. I was given a vague and and informed that I did n't want to make the payment if synchrony was not going to honor the agreement. The third payment was dudcted from my account on XX/XX/2016 automatically. When I called in to inquiry about my settlement letter, I was informed that the account had been charged off and settlement was defaulted on XX/XX/2016, 7 days previous to the last payment. Synchrony voided the arrangements which in turn they should not have been collecting any further monies from me on an agreement they voided and they did on XX/XX/2016. I was advised that there was notification mailed to me. The supervisor XXXX said their was nothing she could do and would update the complaint number listed above. I was told to wait another 45 days for a resolution to be made when one had already been made on XX/XX/2016 when I was considered in default over ther error and reported to the credit bureau as a charge off.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, AMEX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Payday loan, title loan, or personal loan

I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.
Product: Debt collection

In the last 6 months I have written all 3 credit bureaus about credit card debt that is not mine. The original creditor closed account permanently and sent letters to me to do so due to inaccurate information. On my credit report on all 3 credit bureaus they have the same company called LVN FUNDING LLC reported the same 3 credit cards as currently owed as of XX/XX/2023. This is inaccurate reporting and is against the 609 and 611 laws. At this time I do not know what else to do but file a formal complaint. Thank you for taking the time to assist with my request. Information about the debt or credit reporting is below. 

XXXX XXXX XXXX XXXX  Account number - XXXX Amount XXXXXXXX XXXX XXXX XXXX Account number - XXXX Amount XXXX XXXX XXXX XXXX Account number XXXX Reported by LVNV FUNDING LLC XXXX XXXX XXXX XXXX  SC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE PAST 3 MONTHS MY FICO CHANGES WITH NO REASON .... I HAVE A SEVERE DISPUTE WITH BANK OF AMERICA, WHO MANAGED 2 CREDIT CARDS, MAKING ENDLES ERRORS ... NO BODY ANSWERS LETTERS, NO BODY CORRECT ERRORS..THE FACT IS THAT THEY OWE ME MONEY ... AFTER I FILED A COMPLAINT MY SCORE WAS CORRECTED, BUT NOW IS DOWN AGAIN. HAVE WRITEN LETTERS TO ALL CREDIT COMPANIES, NO BODY RESPONDS???? XXXX  IS THE WORSE, I HAVE SEND AT LEAST 5 REQUESTS, DEMANDING THE REASONS, NO RESPONCE???? ON XX/XX/XXXX I FILLED A COMPLAINT AGAINST BANK OF AMMERICA XXXX XXXX ... .NO RESPONCE UP TO DATE???? I HAVE EVIDENCE THAT BANK OF AMERICA IS HAS DEFRAUDED ME, AND CAUSED THE CHANGE OF MY SCORE ....
Product: Student loan

( 1 ) INCORRECT DUE DATES ONLINE : Navient now uses a new website & my loan due date on the website is incorrect. On XX/XX/XXXX, I was able to access both the old & new website. I was able to access the old one by chance as the link was saved in my browser. The new website listed a due date of XX/XX/2017, & the old website XX/XX/2017 for the same loan. I verified the correct loan due date with a representative on XX/XX/XXXX. The correct date is XX/XX/XXXX. Representative confirmed that the due date on the new website is incorrect, but it 's a technical glitch that they ca n't change. I can no longer access the old website, so the only information available to me as a borrower is incorrect & reportedly will not be changed. 

( 2 ) NO LONGER A WAY TO VIEW & PAY INTEREST ON LOANS NOT YET IN PAYMENT : The Navient website does n't provide a way to view interest that accumulates on loans that are not yet due and make payments. I have been making payments towards the interest on my loans while in law school. The old Navient website provided a way to clearly see a summary of all loans, the precise amount of interest accumulated, & had a way to make a payment towards interest online. On the new website, there is no way to view this information -- ca n't access the current amount of interest on loans or pay it online. I confirmed this with the personal representative on the phone XX/XX/XXXX. The only way to find out the interest & make a payment is by calling. Navient has re-designed their website to make it more confusing & impossible for borrowers to make payments online that would help reduce their loan size! 

( 3 ) EMAILS WITH INCORRECT ACCOUNT INFO : Navient sends emails with incorrect information about my account & I confirmed with the representative by phone that this is just a glitch that can not be fixed or accounted for. Ex : on XX/XX/2017, I got an email regarding quarterly interest payments. It listed amounts for interest & principal that do not correspond to the amounts I owe.
Product: Credit reporting or other personal consumer reports

I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. Experian, XXXX and XXXX are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law. 

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

I identified numerous unauthorized inquiries on my credit report that I did not authorize or consent to. Despite disputing these inquiries in two prior letters, they remain unresolved. 

The inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries, spanning multiple financial institutions, dealerships, and creditors, were made fraudulently without my consent. The credit bureaus ( XXXX, XXXX, and TransUnion ) have failed to verify or delete these inquiries, violating their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attached all supporting documents, including previous dispute letters, proof of my disputes, and updated credit reports that show these unresolved inquiries. This is now my third attempt to resolve this issue due to the inaction of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquries on my credit report that I have no knowledge of. As well as continuing to report inaccurate collection accounts on my credit report. 

it has been over 30 days and I haven't received a response from Experian about the investigation results.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX XXXX 
Incorrect NameXXXX XXXX XXXX Incorrect Previous Address - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX Employer - XXXX