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

On XX/XX/2018 I mistakenly processed a payment to PayPal Credit for the amount of {$1900.00} through my banks bill payer system. This payment was actually my mortgage payment on XX/XX/18 I was advised by my mortgage company that they did not receive monthly payment, XXXX XXXX XXXX advised me that PayPal cashed the check and I need them to refund the amount back to me. On XX/XX/18 I spoke with PayPal who informed me that a check would be sent out in 7-10 days.  On XX/XX/18 PayPal emailed me in reference to refund check that was never received per our phone conversation that day. On XX/XX/18 I spoke to PayPal again  about not receiving my refund check, they stated again that a check was sent out. On XX/XX/18 received another email in reference to refund check not received. Email states 24 to 48 hours for resolution, still have not received refund check on XX/XX/18. I feel I am being taken advantaged of by this company and have been more than patient but if this complaint does not resolve the problem litigation in small claims court will be my only other option.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, Colorado XXXX, CO, XXXX ; ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX XXXX  : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX : XXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,
Product: Credit card or prepaid card

They charging me a Freud Credit protection that I never agreed to.
Product: Debt collection

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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.

( XXXX ) 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: Mortgage

I have submitted a complete financial documents to my lender and they claim they have not received complete taxes now taxes for XX/XX/XXXX/XX/XX/XXXX have been provided now they claim because I submitted XX/XX/XXXXTax Transcripts the file is not complete.

Transcripts come directly from the IRS and are to be accepted. They are delaying the process of my review causing me to fall future behind on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX, XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, XXXX, Transunion requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 


i would like to file a complaint om Chase auto, XXXX XXXX, XXXX  and XXXX  because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from chase auto stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a chase auto representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}
Product: Money transfer, virtual currency, or money service

ON XX/XX/2023, I CONTACTED US BANK TO REPORT A SCAM/FRAUD THAT HAD TAKEN PLACE ON XX/XX/2023. AT APPROXIMATELY XXXX XXXX, WHILE SHOPPING AT XXXX OFF XXXX, LOCATED AT XXXX XXXX XXXX, XXXX, GA, I WAS UNEXPECTEDLY APPROACHED BY XXXX ADULT, XXXXXXXX XXXX XXXX WHO ASKED FOR MY ASSISTANCE IN BEING AN UNBIASED WITNESS TO THEIR XXXX GAME. THEY HANDED ME A PLATE SWITH 3 BOTTLE TOPS ON AND A WHITE BALL ON IT. AFTER PLAYING, THE BAD ACTORS ATTESTED I HAD WON {$2000.00} FOR GUESSING WHERE THE BALL WAS, THOUGH I WAS NOT INVOLVED IN THEIR GAME. THEY ASKED ME TO PROVE I COULD COVER THE {$2000.00} BY SHOWING MY ACCOUNT WORTH AT LEAST {$2000.00}. I SHOWED THEM MY ACCOUNT WITH THE FUNDS IN IT. THE BAD ACTORS TOLD ME TO TRANSFER FUNDS INTO AN ACCOUNT AS AN ESCROW FOR THE SAME AMOUNT IN CASH IN ORDER TO GET MY WINNINGS. AFTER ASKING A CASHIER TO CHECK IF THE FUNDS THEY HAD WERE REAL, I DID SO. THE MAIN BAD ACTOR THEN STATED I WON {$6000.00}. HE HANDED ME THE {$2000.00} AND ASKED TO TRANSFER ANOTHER {$4000.00} TO THE BAD ACTORS ACCOUNTS. ONCE I DID SO, HE HANDED ME ANOTHER {$6000.00}. THE BAD ACTOR CHANGED WHAT HE STATED AND SAID IT WAS TOO LATE TO GET THE FUNDS BECAUSE IT TOOK OVER XXXX MINUTES AND SNATCHED THE MONEY OUT OF MY HAND, STATING THEIR WAS A TIME LIMIT. I REPORTED TO THE CASHIER THAT I HAD BEEN SCAMMED OUT OF MONEY AND TO THE XXXX XXXX POLICE DEPARTMENT. WHEN I ATTEMPTED TO GET MY FUNDS REFUNDED FROM THE BAD ACTOR 'S ACCOUNTS, MY CLAIM WAS DENIED BY US BANK WITHIN 48 HOURS.
Product: Money transfer, virtual currency, or money service

I was scammed. I met a guy on XXXX dating site. After months of communicating, he claimed he couldn't get into his bank account in US, ( he was suppose to be working on a building a mall in XXXX ) because he had been hacked before. 
Two months later he came up with a plan to to put me on his bank account and I would cash the check to pay his workers so that he could return back to US. He had checks made from XXXX XXXX  in my name. I thought he was sending a check with our name on it. Checks come to me with only my name on it, he tells me to write a check for {$4900.00}, deposit it and he would call his bank to clear it. He told me to go the next day take out {$4600.00} and put into another account. I wasn't able to do that because we didn't have that bank in Maryland. He told me to place money in a book and place in a box and mail to an address. I mailed it. That night my bank card declined. I tried to stop the mail from being delivered. Too late. I went to bank and explained what had happened, got a police report. I know I am responsible for paying this money to the bank, but I don't have any money now. I lost my money also. I need an attorney but I can't afford one and I don't know what I am suppose to do. The bank has me down for fraud.
Product: Credit reporting or other personal consumer reports

I have an issue with my credit report that needs to be addressed immediately. There's inaccurate information on my credit report for months now that I have been trying to communicate but to no avail. The circumstances are not in my favor and these are challenging times and the burdens keep piling up which continuously impacts my life negatively, having this inaccurate information removed from my credit report will be a great help.
Product: Checking or savings account

My mother passed XX/XX/21 and settlement of her estate, although it began as soon as possible, is still ongoing. All necessary paperwork has been submitted. JPM Chase has promised to rectify the situation with the checking account in question. They have even supplied dates as to when beneficiary checks would be received, yet they have not closed said account nor have checks been issued. 
JPM Chase has continued to charge a Service Fee for said account, despite the fact that assets have been frozen since approximately XX/XX/21. 
I have endeavored to work thro

ugh the JPM Chase Complaint Escalation Department. Although I have been promised remedy concerning this matter, there has been n
one.

There is no excuse for this lack of service, especially for a matter that should be so basic to any banking entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.
Product: Credit card

I applied for Capital One Quick Silver credit card that advertise a bonus promotions of {$200.00} after spending {$500.00} within 90 days after opening account. Once I meet the requirement I find out from customer service that I was issued a regular quick sliver credit card that did not have the bonus promotions. I am positive that on the application page the promotion bonus was being offered. I am very upset because why would you have two of the same cards one offering a bonus and one that did not. I feel that is very misleading to the customer.
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE TO PAID AS AGREED/NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below 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. I would like the following accounts removed from my credit report for violating my rights : XXXX of XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.