23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account.
Product: Money transfer, virtual currency, or money service

Hi, I have an issue with the most hated service globally which is Paypal, they have closed my account for no reason they have asked me for My ID I provided it to them but guess what, they have refused my identity like I am nothing and closed my account stopping my business indefinitely. I have tried to call them and text as well but I couldn't get to them. 

I am filling a report in here because I believe they are not doing their business properly and it is really effecting my life now specially in these hard days. 

please help me out, this is my email attached to my paypal : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$550.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I was using cash app and wanted to cash out {$43.00} to my bank account. I also payed an extra fee of {$.00} to have the money sent to my account the day of. But it has been three days and my money is not yet there. So I called XXXX XXXX XXXX and they said my money should come soon. But I also wanted to call cash app to confirm that my money would be sent soon. When I called their number it was obvious they were trying to scam me for {$100.00} and were also trying to figure out my age and social security number. The phone number I called was XXXX XXXX XXXX. I would like if you could shut this number down so others dont give up their social and their money to this scammer.
Product: Credit card or prepaid card

On XX/XX/XXXX I charged {$710.00} on my MC to a insurance company. For some reason 10 mins after them charging my card they made a second charge for the same amount, double billing. They seen the error and sent the 2nd payment back.

On the same day the CC company sent the payment back to the insurance company noting it was a re-bill. ( never heard of that Now I want to inform you that ALL these payment have the same reference code, why that happen is a mystery to me..

Then the insurance company sent back the returned payment again. 
Still on XX/XX/XXXX The CC company sent them ANOTHER payment back to the insurance company as a re-bill adjustment.again.. 
Now all the charges have the same reference number.Now my card has one ligament charge, 3 returns from my insurance company AND 2 payment sent back to my insurance company as a rebill adjustment. 
Then on XX/XX/XXXX the insurance company send me a email saying im over die and the have to cancel my policy if I don't pay right now. All you have to do is READ the statement and you can see there is ONE payment made on the XX/XX/XXXX then another ( 2 ) two returns from the insurance THEN two payment re-bill to the insurance company. And finily they said the returned all payments ( all the same reference number? and I had to pay again. the CC company is company at fault here, by sending BACK returns and billing me for it. AS of today XX/XX/XXXX I am been charged twice for the same charge, I have called 17 times since XX/XX/XXXX and for some reason they don't get it. All you have to do in read the statement, it self explanatory. PLEASE HELP ME
Product: Debt collection

Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.
Product: Credit card

I had been a client for quite some years with Oportun. I had Automatic payment enabled. All of sudden I started seeing on my bank statement transaction with Merchant name XXXX XXXX. I have planet fitness subscription but they actually label it. After receiving an email for payment not received, I contacted billing department since I have had automatic payment set up. My bank had put a stop payment on XXXX XXXX since they also thought it was a fraudulent transaction. I was supposed to get a call back to explain the issue and to resolve it. I did not receive any calls or emails or voicemail. Saw on my credit report that I have late payment showing. Also they had my account under review since XX/XX/year> and they decided to close it after their review in XXXX. They did not let me know the reason why my account was under review. They did not provide the results of their review.
Product: Debt collection

On XX/XX/2021 I sent a letter to CONVERGENT HEALTHCARE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

I am affirming that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name of XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters preceding, and I herby claim that I will d/b/a XXXX XXXX and autograph, as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to inform consumers about the cost of credit. 
Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to protect consumers abasing abuse and deceit by creditors and I have been abused and deceived. 
Fact, Affiant is aware and has proof in attachment labeled as exhibit A & C that Honda Financial is in violation of 15 USC1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Honda Financial did not include my insurance in my finance charge. 
Fact, Affiant is aware and has proof in attachment labeled exhibit A & XXXX that Honda Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Honda Financial in fact took cash as shown in attached labeled as exhibit A & C. 
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A & C that Honda Financial is in violation of 15 U.S. Code 1611. Honda Financial willfully and knowingly failed to provide/disclose information required under the provisions of 15 U.S. Code 1601. They are now civilly and criminally liable. 
Fact, XXXX is aware that according to 15 U.S. Code 1635 Honda Financial did not provide to me the proper forms expanding on my right to rescind in any consumer credit transaction in which a Security Interest is involved. I wish to exercise my right rescind at this time. 
Fact, XXXX is aware that according to 15 U.S. Code 1640 ( a ) - section ( i ) I demand {$7800.00} in the form of a check mailed to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and a reissued Title free of security interest by Honda Financial. In addition, deletion of this account from all consumer reporting agencies. 

Fact, 15 U.S. Code 1692g states the debt collector in this case, Honda Financial will provide the consumer with the name and address of the original creditor, if different from the current creditor. I demand this debt be validated pursuant to this code. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, presented.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I found this fraud account that shall delete from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1500.00} is fraudulent because I never opened this account and unauthorized transactions has been made on this Fraud account. This Fraud account was opened without my knownleage and XXXX delete from my credit report. I spoke with XXXX XXXX fraud team manager and they told I have the right to delete this Fraud account.
Product: Bank account or service

Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.
Product: Credit reporting or other personal consumer reports

This concerns Equifax I disputed something in my Equifax credit report in XXXX of 2023. The report doesnt name the company that I had the dispute with. 
I would like to know the name of the company that I had the dispute with. The dispute was finished on XX/XX/year> The confirmation number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity fruad, theres closed account on my credit report that does not belong to be and keeps being " verified '' and there is no way they can belong to me. Al so there is over XXXX inquiries on my credit report that are unauthorized and fraud! below is a list od the fruad accounts and inquires... 
XXXX XXXX XXXX  XX/XX/XXXX is a closed account {$620.00} XXXX XXXX XX/XX/XXXX is a closed account {$390.00} Here 's a list of the fruad inquires... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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/2021 XX/XX/XXXXXX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX IXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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: Credit card

My wallet and cards were lost as stated in the police report. I have several cards that were lost not just this one and I'm still working to get my money back from all of my other cards. Please see attached police report and transactions in question. 

I have reported to PNC in XXXX as soon I noticed those transactions. 
I did not get the transactions highlighted credited back. I have reported them as fraudulent but they were never taken off my account or they have been rebilled. Please note the last valid transaction on this card should be on. 

XX/XX/XXXX XXXX XXXX  XXXX CA {$1.00} ( monthly auto bill ) EVERYTHING after XX/XX/XXXX is fraudulent ( See highlighted PDF for the fraudulent charges ). Please help me reopen the case if there is still one pending. I haven't heard back from anyone from PNC so please email me and call me if possible. I am still in between moving and work traveling so rarely home. 

Pattern of spending is totally out of my character too. As well as I see a lot of those charges are in Florida! I was nowhere near FL when this happened.
Product: Credit card or prepaid card

I had originally applied for a Capital One SavorOne card, and saw that there was a XXXX dollar signup bonus after spending XXXX dollars in 3 months. I applied and got approved for the card. After calling CapitalOne after not seeing the bonus in my account, I was bounced around to different representatives until one said that he would file a case on my behalf for it, and that he would take care of getting me the bonus. That representative said that he would add the offer to my account. I got a call back about a week later from someone at CapitalOne who told me that when I accepted the offer for my SavorOne, it did not include the signup bonus, because apparently I was rejected for the signup bonus. I don't understand this because I got APPROVED for the SavorOne card, but apparently not for the signup bonus that was specified. I'm pretty upset at this, because CapitalOne advertised the signup bonus, but then skimped me out of it. I think this is pretty dishonest on their behalf.
Product: Money transfer, virtual currency, or money service

I sent money to a friend who had lent me money during a recent trip. The trip was to XXXX, I mentioned that in the memo and cashapp froze my account. The money was not sent outside of the country nor was it to support any political cause it was to another US citizen. After a relative sent me money and cashapp froze her money and wont allow me to send it back to her. I feel they flagged the account because XXXX was mentioned.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent.

I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity.

Records pertinent to my case.

I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile.

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. XXXX AND EQUIFAX ARE GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE XXXX or EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

On Friday XX/XX/XXXX I called Navient and spoke with XXXX # XXXX. I have been struggling to pay my loan for years now and given recent financial issues have been delinquent since XX/XX/XXXX. When I called on XX/XX/XXXX I  was told that I could get on a rate reduction plan which also extended the payment terms. The plan offered a rate reduction from the current 4.5 % to 2 % extended out to 12 years. I was told this would be a 15 month plan and at the end of the 15 months we would need to re-evaluate based on income. The new monthly payment amount would be {$170.00} which would be automatically deducted from my checking over the next 15 months. I specifically asked if I made the first payment that day ( XX/XX/XXXX ) if that would bring me current and we could move forward with a clean slate. The representative said yes it would and then processed my payment. On XX/XX/XXXX I logged on to make sure the {$170.00} processed and brought my account current. Upon login I saw that the {$170.00} had posted but I still had over {$1000.00} past due. I immediately called and spoke to XXXX XXXX # XXXX and she told me that the account will remain in past due status until XX/XX/XXXX or 3 months of on time auto drafts of {$170.00} and that the delinquency will continue to be reported to credit agencies. I explained to her that this is NOT what I had agreed to on XX/XX/XXXX when I had spoken with the other representative. EVERY phone call and interaction with this company is always negative. The information is constantly changing, options for repayment are consistently changing/no longer an option. Even changing representatives on the same call offer different options and/or say different information. There is absolutely no consistency and I feel like I am being lied to and taken advantage of. The harassment of being late is like nothing I have ever experienced. They call up to 10 times a day and reach out to relatives. It is beyond embarrassing to know that you are trying the best you can just to put food on the table let alone keep up with debt obligations that never seem to go away and only ever compound.
Product: Checking or savings account

on XX/XX/year> AT XXXX XXXX WAS TAKING FROM MY ACCOUNT XXXX WHICH COME TO XXXX CALL UP CANCELLED CARD RIGHT AWAY.COMPANY TOLD ME TO FAX OVER WHAT I WAS DISPUTING AND THEY WOULD GIVE ME A PROVISIONAL AMOUNT BACK ON XXXX XXXX SENT OVER RIGHT AWAY XXXX XXXX XXXX XXXX ON A FIXED INCOME.KEPT ON CALLING XXXX CAME AROUND CLOSE ACCOUNT BECAUSE I LIVED IN THE AREA.I GUESS CARS CAN NOT BE HACKED.WANTED TO TALK TO DISPUTE DEPT TOLD THEM TO CALL ME BETWEEN XXXX AND XXXX XXXX XXXX WOULD CALLED AT XXXX WHEN I DIDNT HAVE ACCESS TO PHONE.I WAS AT A RESTAURANT WITH MY WIFE USED MY CARD THERE YOU CAN SEE ON DEBIT CARD TOOK XXXX THERE ATE AND TOOK XXXX BACK TO MY HOUSE .CANT BE XXXX PLACES AT XXXX TIME XXXX BASICALLY SAID I TOOK MY OWN MONEY, INSULTING.IS THERE ANYTHING YOU CAN DO THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, regarding an account on my credit report. I have made multiple attempts to resolve this matter directly with LVNV Funding, but they have not responded to my requests for debt validation.