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

I used PayPal to send money to my cousin in XXXX once or twice a year, on XXXX XXXX, 2024. I sent {$300.00} to my cousin XXXX XXXX, thru PayPal, it charged me {$9.00} for this service, the transaction XXXX is XXXX but after a couple of weeks, my cousin had not received it. I contacted Paypal, according to PayPal, the transaction was completed, they couldn't do anything, my cousin in XXXX called the agent in XXXX, at one time, they asked for my receipt, I told them the transaction XXXX, but they didn't release the money, I kept on complaining several times, they kept on giving me a run around and some non-workable solution, and told me they can't do anything. 
Also PayPal set up an outlook account for my cousin : XXXX without letting us know, my cousin can not access it. 
Please investigate this matter.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute an unauthorized credit inquiry that has appeared on my credit report. I want to be absolutely clear : I never gave permission to access my credit, and this inquiry is completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card online with Dicks Sporting Goods which Synchrony Bank issues. I received today, a denial from Synchrony Bank stating that the request was denied for the following reason ( s ) : Unsatisfactory payment history with Synchrony Bank. I currently have numerous cards with Synchrony Bank and show ZERO delinquent payments. I called Synchrony 's customer service and spoke with five different representatives that can not find what generated this letter. After being transferred to 5 different customer service representatives in which each was unable to help me, I have decided to fill out this complaint form with your organization to help me find out any problems with my account that generated this denial letter.
Product: Debt collection

On XX/XX/2021, I received a collections letter in the mail from XXXX XXXX a debt collector for Continental Finance Company LLXXXX XXXX XXXX Celtic Bank. The balance amount owed was {$900.00}. After calling XXXX XXXX, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. XXXX years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to Continental Finance Company with everything included. Police reports x XXXX, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all Continental Finance tell her was she had to contact XXXX XXXX. My wife called XXXX XXXX 's, they finally put an office XXXX on the phone for XXXX ext XXXX, she told my wife that Continental Finance bought back the account from XXXX debt collections due to it being a fraud case. My wife called Continental Finance and they keep telling her they can't help she has to contact XXXX debt collectors. Between the both they are just giving us the run around. But Continental Finance Company is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.
Product: Credit card

I filed a dispute on XX/XX/XXXX with Citi regarding a charge on my credit card. I had cancelled an appointment, but the merchant did not refund me for the cancelled appointment nor did they respond to any emails. I gave all of this information and support to Citi but they sided with the merchant on XX/XX/XXXX. On XX/XX/XXXX, I submitted my appeal to this decision via email with all the support, including how the merchant had lied about not having my contact information. Citi reopened my dispute appeal on XX/XX/XXXX and have reached back out to the merchant for response. I wanted to document this incident with the CFPB as I think Citi should have sided with me in the first place given the support provided. I am truly hoping that in the appeal, they do right by the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX XXXX. this account was dismiss by License California Judge court ordered Dismissal. I have given proof of the judge court ordered Dismissal to TransUnion yet they refuse to remove it off my credit report. XXXXXXXX XXXX XXXX  has been paid off since XXXX XXXX which I have provided the receipts proof of to TransUnion yet once again they refuse to remove their inaccurate information provided on this account. Transunion has reported XXXX XXXX  as a delinquent/closed account which inaccurate I provided Transunion with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. It has been well over 30 days and Transunion refuse to send me an updated complete copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
Product: Debt collection

Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last four social : XXXX XX/XX/year> To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, XXXX
Product: Credit card

I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not able to pull up my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Copy if most recent email to AES : I submitted my income verification via email to XXXX on the following dates and screenshots are attached. This should have been processed back in XX/XX/XXXX and it needs to be resolved with THOSE forms as I did exactly as I was asked to do. Covid also affected my income. I can afford to pay $ XXXXmonth. If that can be set up, I can start paying immediately. 

XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Requested XXXX  info. 
XX/XX/XXXX Received email with case #. 
XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Received email for my XXXX requestto be mailed to me. 
XX/XX/XXXX Received email stating re-certificationof XXXX not received. Emailed AES stating the IRS site would not work for me to submit my income tax return. 
XXXX Signed & emailed the XXXX  with income documentation forms. 
XX/XX/XXXX XXXX attached letter that was mailed with my forms. 
XX/XX/XXXX Emailed AES again with XXXX & income documentation forms. 
XX/XX/XXXX Email received saying XXXX forms not submitted. Replied that I already emailed my papers. 
XX/XX/XXXX Emailed AES XXXX  forms. 
XX/XX/XXXX Received email stating forms not received. Replied that I sent them 2 previous times. 
XX/XX/XXXX Emailed AES XXXX  forms & income documentation forms. 
XX/XX/XXXX Received email that forms were not received. Emailed AES that I sent the required forms AGAIN. 
XX/XX/XXXX Received email stating forms not received. Emailed AES XXXX  forms again. 
XX/XX/XXXX Received email stating form not received. Emailed AES with XXXX forms again @ XXXX. Received email back at XXXX stating formsnot received. 
XX/XX/XXXX Re-mailed XXXX  forms. 
XX/XX/XXXX Received email stating XXXX forms were received in mail but did not include income documentation. I replied that my income was included with my multiple previous emails ( see above ). 
XX/XX/XXXX Emailed AES again with XXXX forms, asking to reference previous emails with income documentation because I do not own a printer. 
XX/XX/XXXX Spoke with XXXX at XXXX - XXXX. He would submit a Natural Disaster extension for 3 months. Asked me tore-email forms. 
XX/XX/XXXX Emailed AES with attached forms again. Submitted IDRA application. 
XX/XX/XXXX Emailed AES again with all of this information. 

I have spent countless hours on email and phone trying to get this resolved since XX/XX/XXXX. I have done my part, over and over, trying to set up a payment plan. 
AES has continually said my income documentation nor XXXX were received, but ALL OF THEM were sent to XXXX and I have received replies to all the emails I sent there, except of course, the ones where I CLEARLY attached the required information.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CREDITACPT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDITACPT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all XXXX credit bureau. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Product: Mortgage

In XXXX Wells Fargo had my mortgage. It was an Adjustable-rate mortgage. I tried 3 different times to refinance to a fixed rate and was turned down. Eventually leading to Well Fargo to foreclose and reprocess my home and land that I owned before getting the mortgage in XXXX. I was wondering if I was allegeable as part of the class action lawsuit against Wells Fargo? Since then I have moved several times and Wells Fargo doesnt have my current information.
Product: Debt collection

I got my Experian Credit report dated XX/XX/XXXX, XXXX XXXX acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after XXXX minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX
Product: Credit card or prepaid card

I report my card stolen and lost. 
But Fortiva credit card still charging me money on credit card that was stolen and used the amount of XXXX dollars.
Product: Credit reporting or other personal consumer reports

I've reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these fraudulent accounts as it is hindering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were not payment required from XXXX until XX/XX/XXXX due the virus ; however, Nelnet is showing late payments for XXXX and XXXX XXXX XXXX. I was never late and I'm requesting METHOD OF VERIFICATION  AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN VIOLATION OF HIPPA CRA AND MY RIGHTS AS A CONSUMER
Product: Credit reporting, credit repair services, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Checking or savings account

Following up on a complaint filed XX/XX/20 for Chase Bank XX/XX/XXXX : Visited and told to return the next day at XXXX after explaining my situation. 
XX/XX/XXXX : Arrived for my appointment - couldn't be helped. Removed cash from my account in order to have it in my hands given other than this option I had no access to it. Spoke with 2 reps in person - one was a manager of some sort - he could have cared less. They couldn't even tell me why my phone number linked to my account didn't work - which is why I couldn't handle this over the phone. I tried, but the rep stated my phone number was coming up as NOT registered to my account. It's the only number I have and was used to set-up this account remotely and Chase had already sent me an activation code using this line. 

Branch Visited : XXXX XXXX and XXXX XXXX, XXXX- XXXX - New York XX/XX/XXXX : Filed Complaint with CFPB XX/XX/XXXX : Chase Bank responded Manager I spoke with : XXXX or XXXX or XXXX   Direct phone # XXXX The manager had no additional information in regards to my account. Could not answer any of my questions in regards as to why my account is locked. Said he was not even aware of the problem and was simply told to 'give me a call ' and offered me an appointment with him personally. Now - that's nice if I was A. In the state and B. Had nothing better to do with my time than to visit their branch for a 3rd time during a pandemic. He offered to make me an appointment with a banker at the nearest location to me, which is XXXX, VT. Currently, an 1:20 min drive in one direction from where I current reside. He had no other solution to offer and told me to follow-up with him once I was back in the city. Maybe they could help then ...? 

XX/XX/XXXX : Chase bank responded and dismissed my complaint. 
XX/XX/XXXX : Complaint was closed by CFPB As of now - issue still exists. I have no access to my money via electronic payments debit card, online banking, and phone teller or rep.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts above with XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please remove these items from my report. please remove the following account promptly 1 ) dept of ed/XXXX  - account beginning in XXXX additionally I never authorized the following closed installment accounts and am requesting their immediate removal 2 ) XXXX XXXX XXXX account beginning with XXXX 3 ) XXXX  account beggining in XXXX 4 ) XXXX account beggining in XXXX 5 ) XXXX  account beggining in XXXX 6 ) dept of ed/XXXX account beggining in XXXX 7 ) XXXX account beggining in XXXX 8 ) all dept of edXXXX XXXX  accounts beggining in XXXX