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

On XX/XX/2023, I ordered a tankless water heater from XXXX XXXX for the amount of {$460.00} and paid with my PayPal account. Upon confirmation of this order, I instructed XXXX XXXX to require a signature due to the accessibility to the front door and porch pirate concerns. 
The item was supposed to have arrived the next day. It did not. There was some tracking information provided but I never got the call I requested upon delivery nor was a signature obtained. 
I contacted XXXX XXXX on this and they asked me to file a claim via my payment method which is what I did. I filed a claim with PayPal on this item and I provided them with the documentation on the required signature and on the fact that due to failure to deliver this item, I was forced to buy this water heater a few days later at XXXX. I provided this documentation to PayPal on XX/XX/23 and minutes later, they denied my appeal. 
Paypal is not reviewing or considering this documentation. I am requesting that they reverse this transaction and refund the {$460.00} into my PayPal account promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, personal loan, or advance loan

We purchased solar panels from a company called XXXX XXXX XXXX XXXX , we were promised several benefits from getting solar panels. The company went out of business within 4 months after we got the panels installed on our roof. The company called Sunlight Financial that the loan is through has not been any help what so ever and has not tried to get the solar panels covered with another company. I would like to see my loan desolved due to the panels not working anywhere as good as originally proposed by XXXX XXXX XXXX XXXX XXXX We now have the loan payment for the solar and a hefty electric bill. This is not what we were promised and this is not what we signed up for.
Product: Debt collection

My identity was stolen and someone charged 24 rides on XXXX. XXXX sold the account to TRS Collections after I had notified them of the fraudulent charges. I have since contacted TRS by phone and sent them the FTC idenity theft report. They are still trying to collect the charges totaling over {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  from CREDCO is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB - AUTO FINANCE is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I lived in XXXX XXXX XXXX XXXX  from XX/XX/XXXX - XX/XX/XXXX. My son was diagnosed with severe XXXX and put on a XXXX  and XXXX  for the entire time while living in XXXX XXXX XXXX. There was mold and construction dust in the Ac unit that was causing his illness. We notified the maintenance of the apartment complex who simply changed the filter of the Ac unit, but the mold and construction dust remained a problem. We decided to take action for our sons health and gave a 60 day notice that we would be leaving due to unlivable conditions in the apartment. As soon as we moved, my sons severe XXXX and XXXX  issues went away immediately. We have submitted several letters to the company directly about this matter and they pay no concern to the issue and are charging us for the last months rent money. They neglected to keep a healthy living environment and for that my son was on harmful XXXX  for almost one year. I have medical bills and prescription/ medical records to prove this. The charges they are requesting are unlawful and need to be removed from mine and my husbands credit report.
Product: Debt collection

JEFFERSON CAPITAL SYST Has not sent me any documents with my signature verifying This debt is mines I don't who this company is and why it has reage the account and trying to collect a debt that they are not authorized to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, Transunion, and XXXX  and the investigation took well over 30 days.
Product: Credit card or prepaid card

I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of these INQUIRIES : AN # XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX I exchanged my signature on a negotiable instrument along with using my credit card ( Social Security Card Number ) for a house valued at XXXX XXXX Dollars. I did not know at the time of signing that I was a natural person and a federally protected consumer or that HJR-192 prohibits payment of debt and substitutes, in its place, a discharge of an obligation. I was the only natural person to sign the documents, no one who represents Nationstar Mortgage was present and I also was not informed nor educated about my right to rescind the contract. In XXXX of XXXX I contacted Nationstar Mortgage by certified mail requesting validation of the alleged debt also including a cease and desist letter requesting that all forms of communication with me through any and all mediums cease.and to no longer contact me concerning efforts to collect this alleged debt. I invoked my special remedy demanding Nationstar to Zero out the balance on the account, grant me my property deed lien free and to delete the account from all consumer reports. Nationstar contacted me by email to inform me that that were ceasing communication with me, but has continued to do so by sending me emails and mail through the USPS. My special remedy has not been satisfied. I have sent Nationstar Mortgage over XXXX US Dollars from my bank account and I have also sent in several remittance coupons to Nationstar Mortgage to satisfy any alleged balance owed. Nationstar has either been misreporting or not reporting accurate information to the credit reporting agencies. They have sent information to the credit reporting agencies stating that I am late, when they were instructed to cease and desist all forms of communication with me through any and all mediums. I have most recently been sent a debt collection notice from Nationstar Mortgage stating that I am in default and my loan is currently past due. Nationstar has never loaned me any money so how can it request money. Nationstar Mortgage is requesting I make a payment in certified funds, cashier 's check or money order. Nationstar Mortgage has not honored HJR-192 nor has it honored or dishonored the remittance coupons it has received by certified mail from me and now are demanding additional forms of payment. Nationstar is an habitual consumer violator and are very dangerous to the consumer in this economic environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me proof of charges. There looks like there was Charges of APR fees monthly after statement date, this is violation. cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the terms. Where is the proof that I made these charges, your company has been in so many data breach and info has been stolen online. I believe this account has suspicious activity and you did not keep my personal information secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

This debt is from about 10 years ago. Jefferson Capital is not being accurate with the date the account was opened. XXXX XXXX has already removed the original account from my credit report and Jefferson Capital is misrepresenting dates and amounts that should no longer be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going to start off with Section 609 of the FCRA to provide the proper documentation of an original signed contract with my signature, and This company XXXX XXXX XXXX does not have of mine. XXXX did not investigate these accounts properly nor did Experian If XXXX XXXX XXXX cant provide my signature on a original signed contract then these accounts must be deleted. One document I submitted is what XXXX XXXX XXXX sent me when I asked them to send me an original signed contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter below to all 3 credit bureaus. XXXX, XXXX, and Transunion has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all XXXX of my credit reports. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX about 4 alleged accounts they claimed to have in collection, one of  which was for {$320.00} dollars. The phone number that showed on my caller ID was ( XXXX ) XXXX and was identified as " XXXX XXXX. '' I answered, as I do have current accounts with XXXX XXXX. The agent who answered the phone immediately identified herself as calling from XXXX XXXX in order to ensure that I would verify my identity. After identifying myself to the person I *thought* was calling from XXXX XXXX, she indicated that she was calling from XXXX XXXX XXXXXXXX and discussed possibly making payment arrangements on these alleged debts. 

As this is in clear violation of the Fair Debt Collections Practices Act : ( 14 ) The use of any business, company, or organization name  other than the true name of the debt collector 's business, company, or organization. 

I would like to file formal complaint.
Product: Credit card or prepaid card

I bought a house last XX/XX/XXXX and my credit score was GREAT ( XXXX )! I am now trying to refinance my house and Kohls has a late fee in XX/XX/XXXX and XX/XX/XXXX making my credit score XXXX. My credit score should be over XXXX as I have not had anything change with my credit ... .other than these two items with KOHLS/Capitol One before I even closed on my house last year ( and these did not show up last year ). 
I tried calling Kohls on XX/XX/XXXX to settle this with them over the phone, but they can not get records before XX/XX/XXXX ( is what they stated to me on the phone ). I even called them twice ... speaking to two different people trying to get a resolution. 
I need these amounts to come off my credit as they are not legit and I need to be able to pursue my financial needs of the refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

Portfolio Recov assoc is reporting invalid info on my credit and its harming my credit report. This is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I closed on the sale of my house XXXX/XXXX/16. I called 2 days later regarding refund of escrow in the amount of {$2100.00}. I was told it took 3 weeks. # weeks later I called and was told it was mailed XXXX/XXXX/16, No check. Called again Mailed XXXX/XXXX/16. No check. Was told there was a problem with their system and I 'd get a check in 10 days. No check. Was told it was mailed XXXX XXXX, 2016. No check-? 9 times I called and talked with 8 different reps : XXXX, XXXX, XXXX, XXXX ( XXXX different XXXX ) XXXX, XXXX ( who clamied to be a legal rep ), XXXX XXXX and numerous voice mails where I ca n't understand the name of the perons who is supposed to call me back but never does. 42 days after they got the pay off for my loan and I sitll do't have a refund check for the escrow. I was not late one time. I ask for a check to be put in over night mail but they ca n't do that, yet they have an address for a consumer to send an overnight mail payment. I need some assistance in getting y refund check. What information do you need from me.Name : XXXX, email XXXX,. Please help me to get my refund in a timely manner. Thanking you in adavance
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX-XXXX Account Name : XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018? XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/year>. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.

TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to XXXX XXXX XXXX, Nationstar and currently Mr Cooper. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.
Product: Checking or savings account

Over the course of having my bank account open I have even charged fees while funds were available. O