23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase on XXXX, payment collected by PayPal, with my XXXX card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with XXXX and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. PayPal 's customer service was beyond useless. I was told I'd received an email to resolve this and still haven't received anything, 4 days later. There's NO explanation for PayPal not having customer protection when this kind of thing happens. I kept being told I had to have a PayPal account to file a dispute. When I made the purchase, I had a PayPal account but because the transaction was through XXXX and not PAYPAL, there was no recored of the purchase on my PayPal account which I've had to tell PayPal multiple times because apparently everyone is incompetent. I literally just want my money back for the item that I NEVER RECEIVED. How does PayPal allow XXXX payments but offers ZERO consumer protection when it comes to disputes?!?!?!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my consumer credit report and noticed inaccurate personal information that is the result of identity theft. Including names and addresses. 15 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law.

15 USC 1681e 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. 

There shall be only XXXX name on my consumer credit report- XXXX XXXX XXXX There shall be only XXXX address on my consumer credit report- XXXX XXXX XXXX XXXX CA XXXX All other names and addresses are a result of identity theft. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

American Express has advised the XXXX of Florida that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... .IN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... ..15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent charge offs appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

In XX/XX/XXXX i logged into online banking and noticed 2 accounts that were not mine. I called the bank to report it and they were gone. I thought it was an error and everything was done. Fast forward 3 years later.. In XX/XX/XXXX the bank of oklahoma started debiting my open checking account that I have had for years and when I contacted them they said it was an offset of funds due to the 2 accounts that I opened and had charged off 3 years ago. THEY WERE FRAUD. not something that I opened. I have been in contact with the bank for 3 months trying to get this taking care of. They are treating me like a criminal and keep saying they determined that it was me. They will not provide any proof that it was me such as a signature card or the funds it was opened with etc.. I have no information on it because i was not me. I recently was told to file a police report when i noticed it was on my credit report but they are just dismissing my police report too. I need help with this. I get {$710.00} a month social security and I should not be paying for something that I did not do and nobody at the bank will listen or help. It is only around {$200.00} but I dont want to pay {$1.00} for something I didnt do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

My checking account in Chase ( XXXX ) was closed by Chase suddenly without any reason in XX/XX/2023. All my money is in the account and it caused me a lot of problems in living and studying. 
I connected them for many times to ask my remained money back, and they said they will give me check within 15 days. But after 4 month, they didn't give me the check. I really need the money ( {$4500.00} ) to pay for my rent and tuition. 
So I hope you can help me to ask them to give my money back. My address to receive the check is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD, XXXX. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer
Product: Credit reporting or other personal consumer reports

This now marks 200+ days with no dispute results. Company was supposed to submit online response the XXXX. They closed dispute with no remarks. This was after they were told they only had 15 days due to failure 30 days ago and they gave themselves 30 + 15 and still failed to resolve issues. Company lack of care has resulted in failure to apply for auto credit due to failures to investigate.
Product: Checking or savings account

Bank of America has charge my Business Account thousands of dollars for consecutive years in XXXX  one year was more than XXXX and next year XXXX they miss use my funds.
Product: Credit card or prepaid card

On XX/XX/2019 a charge was made to my credit card by mistake. When realized, the company was contacted and placed the charge on the appropriate persons cc, and tried to credit mine back. On XX/XX/XXXX the merchant tried to refund my account, but it was denied. On XX/XX/XXXX my bank acct was drafted, but I did not have sufficient funds so I received charges and interest penalties. When I became aware, I contacted the bank and the merchant. The merchant tried to credit the card again on XX/XX/XXXX, and again it was denied. They told me to dispute the charge with my cc company, and they would accept the charge back. I did this. After talking with multiple representatives and being told various lies, the charge is still on my card and nobody can give me an answer. I was lied to, being told the charge would be removed during the dispute process. It was not. They charged me for the amount again, and keep giving me different answers. The charge in dispute was for {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation and I am pursuing monetary compensation per violation. 
( Please see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 a account without my written instructions
Product: Mortgage

A short time ago, Governer XXXX of NY said that Mortgage payments can be deferred due to hardship caused by the Corona Virus. I am a XXXX XXXX XXXX that is being affected. I called PNC Mortgage and they are not honoring what Gov XXXX had put in place. I was treated like a delinquent payer and was said I could defer for 3 months and would have to pay the full amount back in XXXX. Does that make sense? If no money is coming in during XXXX, XXXX and XXXX ... How can you pay it all in XXXX? Other banks are allowing you to defer to the end of the mortgage. This is awful. I had spoken to XXXX in collections in regards to this.
Product: Credit card or prepaid card

I filed a dispute with my Prepaid Card Issuer, Netspend regarding two ATM withdrawal transactions initiated on separate dates at the same ATM. During both instances while awaiting for the ATM to dispense the requested amount of funds, the ATM stated the funds were being dispensed, despite not having dispensed any of the funds requested. immediately afterwards, the ATM displayed an error message on screen which stated " receipt printer error '' which also resulted in the ATM not having provided a receipt. The first transaction took place on XX/XX/2018 for a total of XXXX the second ATM transaction took place on XX/XX/2018 for XXXX. I notified Netspend and filed a dispute regarding both transactions and slso faxed over an ATM dispute from. During my initial contact with Netspend over the phone, I verbally requested a provisional credit be issued to me within 10 days if they did not receive a response from the Merchant And also asked for a mailing address to send out my written ATM dispute form via USPS certified mail, but they stated they did not have an Address for me to mail out my dispute form and insisted I fax them the ATM dispute form. On XX/XX/2018, I faxed the dispute form to the phone number listed on the dispute form, and after 10 business  days have not received my provisional credit to utilize my funds since they requested more time in order to investigate. I also notified customer service on XX/XX/2018 and advised them I would fax it again because the CSR told me they had not received my dispute form. This is unfair and is also a violation of non compliance under Regulation E which entitles me to a provisional credit so that I may temporarily utilize the funds while they complete their investigation. It should also be taken into consideration that I have been a Netspend customer for over 2 years.
Product: Mortgage

Wells Fargo somehow has added an unknown business to my mortgage account. I have mortgage and a checking account. Someone added a 3rd account. Ive called my Wells Fargo Bank and spoke to them with no help. Ive been calling XXXX numbers and have been sent to automated calling with no help. Ive manually gone in to Wells Fargo. Com and tried deleting this 3rd account added. There was a change made also to an unknown phone number for this 3rd account. Ive gone online and deleted it. I have copies of the business name and number that was put into my Wells Fargo account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following dateXXXX. Since then the date of last activity has been inconsistently updated. On Experian, the date last active is XX/XX/XXXX. On XXXX, the account is not reporting at all. On XXXX it's XX/XX/XXXX. 

If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.
Product: Checking or savings account

I receive a transfer from a person and than I went to the bank. 

Was everything ok I have my id they send confirmation text to the phone and after letting me there for almost one hour asked to call custumer service that was very poor assistance and they freeze my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

Have mortgage with PHH Mortgage, was taken over by XXXX but still serviced by PHh Morgtage..Every since they have taken over, things have been very hard to get in touch with these people. 

I Was approved for trial modification on mortgage XX/XX/2020. Payments were to be started XX/XX/2020. with XXXX, XXXX XXXX of such payments of {$720.00}. I have sent XXXX payment dated XX/XX/XXXX they received and XXXX was XX/XX/XXXX they received. But received a monthly statment that says XXXX was not received or applied correctly. As of today XX/XX/XXXXI get a letter from mortgage saying intent to foreclose has been accelerated! I have tried to call, ,sent emails, no one every replies from this company since it was sold to another lender. I am doing my part to save my home, I did what was asked back in XXXX and the account was approved for trial mod then they are suppose to after all 3 payments were sent in, then they make " new loan '' permanent. I feel like they are not holding up there end and are forcing me to lose my home and this can not be legal what they are doing or one department doesn't know what the other department is doing! Make this company reply to emails. I can't even get into my account as they have me locked out. Whole thing is very ridiculous.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )