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

I disputed this charge with XXXX and PayPal. As I detailed in my complaint PayPal allowed XXXX XXXX to charge me for a trial that I had zero recollection of ever requesting a trial. I never used the XXXX service. I explained to XXXX, PayPal, and XXXX if I was on a trial I would have used this service. The representatives I spoke with agreed that it was not used and that you should not be charged for something you did not use. I discovered that I had this charge when reviewing my statement. I'm being charged for a service I never used and because of some technicality or unfair glitch it is unreasonable and stands on the border of unethical billing practice. Further PayPal has just dismissed me and refuses to acknowledge me. The arbitration clause has given way to disrespectful representatives and an over all lack of concern for the consumer. Pleas see details times, dates, etc! 
- negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Loading transaction details for XXXX XXXX - negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
Manage XXXX XXXX payments Category Software Transaction ID XXXX Seller info XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase details XXXX XXXX XXXX XXXX XXXX   {$99.00} Total {$99.00}
Product: Credit card or prepaid card

In XX/XX/2023 the company Monroe and Main showed up on my credit report. I had never heard of this company before nor had I opened any accounts. I called the company and they stated that they had my name and information but I showed no order history and had a balance of {$0.00} owed. The company reported on my credit that I had a credit limit of XXXX $ and owed XXXX XXXX The company assured me that it was their mistake and had closed the account and had requested to the credit bearues to take the account off. Still the account is on the reports and whenever I try to dispute it the company is saying the information is accurate, when in fact it is not accurate at all. I just contacted the company again a few days ago and they are telling me still they made a mistake and have requested it be taken off. The beareus are still stating they have not made any requests and the company is still yet reporting the same fraudulent information. I also contacted the XXXX  and the company even stated through those messages that the information is inaccurate and they would fix. I am still having to fight this and it has ruined my credit by XXXX points down and my credit age and payment grade are terrible because of this one company 's false reporting. I am at a dead end and have no idea what else to do but to get a lawyer and sue the company for fraud and defamation of character. This has caused me alot of stress and financial anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I contacted XXXX, Equifax and XXXX in XXXX regarding a bankruptcy that was reporting on my credit report and they would not assist in removing information. These credit bureaus are reporting bankruptcy information on my credit report and have put in data furnisher as US Bankruptcy Court in XXXX Georgia District which is false information. Here is a link sent to me from the court verifying that they do not furnish information to credit bureaus or credit monitoring services : XXXX XXXX XXXX The US court of XXXX Georgia has stated that they do not verify or validate any information to the credit bureaus. The 3 credit bureaus are falsely stating this information in my credit report and have yet to remove it.
Product: Vehicle loan or lease

My original payment {$1000.00}. I want to pay biweekly, so I increased the amount to {$550.00}. I have to schedule the payments. So I pre-scheduled XXXX months in advance. XXXX first payment. XXXX, first re-allocation. The bank was holding the money in a separate account instead of actually putting it towards the vehicle payment. It was explained to me by customer service. 
XXXX. The money had to be re-allocated again. XXXX. The money had to be re-allocated again. XXXX. The money had to be allocated again. 
XXXX XXXX. The money had to be re-allocated again. 
XXXX XXXX. The money had to be re-allocated again. 
XXXX. The money had to be re-allocated again, several times to correct the account By not re-allocating the account properly. They are not properly calculating interest. That is stolen interest from me. 
I have documentation of their account. I am waiting to receive paper copies in the mail. 
I made a payment on XX/XX/XXXX, XXXX, XXXX. {$550.00} each. That shouldve been XXXX extra payment plus extra towards my XXXX payment I have no idea what was actually done with it. 
I made a payment XXXX XXXX {$550.00} and XXXX XXXX {$550.00}. That was for the XXXX payment. 
XX/XX/XXXX and XX/XX/XXXX for {$550.00} each for XXXX payment. 
XX/XX/XXXX and XXXX for {$550.00} & {$530.00} for XXXX payment. 
XX/XX/XXXX and XX/XX/XXXX for {$530.00} each for XXXX payment. 
XX/XX/XXXX & XX/XX/XXXX for {$530.00} for XXXX payment. 
They reallocated the account again. XX/XX/XXXX and XX/XX/XXXX. 
NOW they say I didnt make my whole payment and owe another {$530.00}. 
I have bank records proving payment. They failed to correctly post payments to my account, charging interest improperly. Failing to add the excess to the principal amount.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all the information that I should to have full access to my credit report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the XXXX XXXX XXXX  website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to access to my full credit report and scores.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the most recent XXXX and XXXXXXXX XXXX  data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Mortgage

We originally purchased our residence on XX/XX/XXXX. Shellpoint Mortgage Servicing became the servicer of our mortgage which included an impound account for property taxes and insurance. On XX/XX/XXXX, we refinanced our loan through XXXX XXXX  XXXX which also included an impound account. {$6900.00} for 8 months estimated property taxes was withheld at closing. Subsequently Shellpoint repurchased our loan and we made our first payment on the new loan to Shellpoint effective XX/XX/XXXX. On XX/XX/XXXX, we received a notice from XXXX County that we were in default on property taxes which were due no later than XX/XX/XXXX, and that penalties had been imposed. That day I called and spoke with a Shellpoint customer service rep who advised me to scan the notice to Shellpoint and that the arrears property taxes and penalties would be paid by Shellpoint. I did scan the document on XX/XX/XXXX and received an autoresponse. I again emailed Shellpoint on XX/XX/XXXX and received an autoresponse. However, the XXXX County records are still showing the past due taxes and penalties remain unpaid. Further, my impound account only reflects deposits made from monthly payments and not the amount withheld from escrow.
Product: Debt collection

I checked my credit report one day stating that I had a collections account of the amount of {$220.00} dollars. I sent the debt collector a debt validation letter via certified mailed on XX/XX/2021 XXXX which they received on XX/XX/XXXX ) to which they failed to validate by not responding to my dispute. The company decided not to respond to my debt validation letter as it is my right to know who am I dealing with. I am disputing directly against their failure to validate the alleged debt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMSHER COLLECTION SVC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX {$240.00} XXXX XXXX  XXXX {$150.00}
Product: Payday loan, title loan, personal loan, or advance loan

They have sent repeated, threatening emails but I still dont have proof in hand that I even took the loan out.
Product: Credit card or prepaid card

On XXXX I lost my bluebird card while out walking my dog, later find out it was found and used in multiple places that day. I moved the remaining funds XXXX stimulus $ XXXX {$1400.00} XXXX into a set-aside " goal account '' to protect it. 
I called bluebird and there was a really unusual and suspicious vibe being created. The phone automated XXXX was asking strange questions about my age. After I pushed XXXX to answer under XXXX, the XXXX hung up saying it can't help me in my service area. I'd never experienced that before. So I called the international number associated with bluebird next to the national XXXX .... they transfered me to the fraud dept. They sent declaration of fraud documents again. I filled them out and faxed them back on the XXXX. Then I got no response for XXXX weeks and I started the dispute process again. They declined my dispute. Because they said it was authorized. And then they closed my account with over {$1000.00} inside of it. They are telling me the only way I can open my account up again is to write and send their fraud department by physical mail. I don't even know what to write. But this is not the first time they have shorted me from my own money. I've had an account with bluebird since 2012.
Product: Debt collection

I received letters and a phone call from a debt collector for a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Incorrect Address - XXXX XXXX XXXX XXXX , XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 XXXX XXXX  - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 EMPLOYER - XXXX XXXX XXXX- 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 XXXX XXXX, Experian, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX  XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

I noticed on my credit report a ding from XXXXTrue Accord. I reached out to XXXX to pay the balance but they wouldn't accept my payment. They then told me to contact True Accord and no one would accept my payment.
Product: Debt collection

There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.
Product: Credit card or prepaid card

Capital One opened a new account under my name when I was only trying to upgrade the existing account to a QuickSilver account. I have tried several times over 6 months to have them close the account as an error, but they are unwilling. If they just close it, it will ding my credit score. They admit it was an error on their computer system and it should not have been opened, yet they keep telling me they have no way to close it without it dinging me. This is their error and they should have to fix it without it doing damage to my account. 

I have now called them 3 times over 6 months and keep getting pushed up the chain to Supervisors who just keep telling me they can't fix the problem. This is XXXX.
Product: Mortgage

Our lender Guarenteed Rate Affinity out of XXXX CT. They have been dishonest and deceitful during our home process. We were originally Supposed to close on XX/XX/XXXX and had to file an extension. Our lender communicated with our settlement attorney that they wanted to close within the first week of XXXX. It is now XX/XX/XXXX and we have been promised a clear to close at least 6 to 7 times by now. They keep promising us that were going to close but all we ever hear is that theres more issues and they want more things from us. The main issue was with my fiancs maternity leave pay. The underwriter is taking way to long and scrutinizing everything. I feel things have been disorganized. They have not given us a new closing date ever since the first one was missed. At this point we feel were forced to go through with everything because we risk losing our deposit {$5000.00}. We have expressed two very important dates since the beginning as we live in XXXX. And the house were trying to buy is in XXXX. My son technically start school this week but we have yet to know when we will get our house. Our lender keeps telling us that they have everything they need to then come back and tell us that they need more that the underwriter is scrutinizing everything. I do not feel we are being treated fairly. And when we ask for updates they are not getting back in a timely fashion and I feel that our time does not matter at this point to them. We are trying to apply for the XXXX  program which we were told we met and even paid off a good amount of debt to make sure we qualify to then be told that we may not qualify possibly. We are being given too much mixed information. This is caused our family stress, medical issues with myself, and we have missed work. We just want answers and help. Not sure where to turn.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XXXX TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am among the people affected by the Equifax security breach. It is unacceptable that Equifax handled data this important with so little security around it, and now I have to worry about identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a numerous hard inquiries on my report for Auto Loans from the year 2017 and they were all made within 14 days of each other. These types of inquiries of the same nature should be shown as one inquiry however they are coming up individually. According to the FCRA this is incorrect reporting and violates the consumers rights. I would like for these hard inquiries from 2017 to be removed. Starting XX/XX/2017 to XX/XX/2017. 

There are also hard inquiries that reflect I requested credit from them, XXXX. XXXX and XXXX and XXXX. I have never requested credit from these people. They should be removed from all credit reporting bureaus.
Product: Vehicle loan or lease

I called Hyundai in XXXX oklahoma several times to cancel the extended warranty I had bought. No one would ever contact me back. I drove to XXXX in XXXX and filled out information with then and she said she would get back to me on the refund. It would first go to hyundai motor finance If I was behind to catch me up but if the account was current I would receive a check. I have not heard from them since and it's been over the XXXX weeks for processing.
Product: Credit reporting or other personal consumer reports

tansunion and XXXX are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXX and XXXX XXXX. i am XXXX as a result and require assistance transunion and XXXX are not providing this request information.
Product: Debt collection

I closed my Suntrust account about 3 years ago. We left about {$200.00} in there for a windfall and the banker said it was a good idea. I assumed everything was fine and did not check my statements. Yesterday I got a letter from Truist stating that my account was overdrawn and was being sent to collections. According to them. I owe {$17.00} with {$30.00} for collection fees. They gave me an XXXX number to call on the sheet to resolve the issue. They let you hold for about 2 minutes then send you to voicemail. I left a message but never heard back. I then went to my local branch and asked to resolve it in person, but was told since my account was closed they cant help. They gave me the customer service line. I waited on hold for over an hour to be told the same thing. I tried to call the number on the collections letter several more times and never got to a representative, nor got a call back. I then double checked my last statement- I had {$3.00} in my account, they took out the XXXX maintenance fee, and then immediately shut down my account. I dont believe I should owe this amount but I cant speak to anyone to resolve. This has been an incredibly frustrating experience.