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

Good Morning, I made a payment to PAYPAL SYNCHRONY and then I DELETED my bank information right after because PAYPAL likes to make unauthorized charges directly to the bank account. I thought all was fine then I get an email stating my payment was returned and I have been charged a fee. I emailed my bank and they show absolutely no return or payments made so this is something on SYNCHRONY 's end. The only thing I can think of is I deleted my banking details too soon, but I made a transfer of {$2.00} just fine so that does not make any sense. I told them to refund the fee and I will try again and leave my bank until the payment actually posts, but I just got a vague XXXX  answer from CSR so now escalating this again. 

Thank You Please refund the {$29.00} fee and I will reprocess the payment. The only thing I can think of is why the payment failed is because I deleted my banking information right after making the payment which I am not sure why that affected it as I made a transfer to my bank of {$2.00} and it was successful, but I will NOT be leaving that saved anymore due to PAYPAL charging purchases directly to my bank account without my authorization. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX hello please advise why my payment was returned and you charged me a fee. My bank has sufficient funds. The only thing I can think of is after I made the payment I DELETED my bank information as I will NO LONGER save my bank information on this website. Please refund the {$29.00} charge you have posted otherwise I will be reporting it to the CFPB & XXXX My bank details were correct and you authorized and linked them. I got my transfer I made of XXXX fine so please check your own records and advise. 

XXXX XXXXPayPal Credit Customer ServiceRE : PayPal Credit Account Information Hi XXXX , Thank you for your recent inquiry regarding your PayPal Credit account XXXX and the opportunity to be of service to you. 

We received your payment in the amount of {$120.00} and applied it to your account on XX/XX/2021. 

Your payment was returned from your bank unpaid, therefore, the dollar amount was debited back to your account on XX/XX/2021. We are not able to re-process the payment. Please remit another payment to replace the payment that was returned as unpaid from your bank. 

If you are questioning the reason the payment was returned, please contact your bank. 



We appreciate you as a valued PayPal Credit customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center. 



Sincerely, XXXX Customer Service
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I have been harmed in various ways and have been fighting to remove multiple collections, inquiries and accounts that are not mine. Recently I had a fraudulent account added to my credit report which I had come back verified from ethe company " XXXX '' that this was a fraudulent account. XXXX has removed the account and alleged debt from my XXXX report, as well as, erased the debt. Yesterday XX/XX/2023 I submitted a dispute to Equifax letting them know I have been effected by their security breach and that the XXXX account was not mine and needed to be removed. Today XX/XX/2023 I was told by Equifax that the " looked into the account and it came back verified ''. This lets me know my information is NOT being protected and they failed to do their GRAVE duty of actually looking into this account and making sure my report reflects " maximum accuracy ''. I would think that after I have already suffered harm because of this data breach they would be more careful to be sure I didnt suffer additional harm, yet that clearly DID NOT. this is abusive practices and it is unacceptable. If I asked for you to investigate something on MY credit report, that effect mine and my children 's livelihood, that's what I expect to happen and you have WILLFULLY not done that
Product: Debt collection

Convergent Debt Collectors is reporting a debt of {$1500.00} dollars on my credit that is not my debit. I did not have any service at the time.
Product: Money transfer, virtual currency, or money service

I was making a Purchase for {$200.00} and never received my Item. I asked cash app for help but never did
Product: Mortgage

I am no longer able to afford my property and I reached out to PHH Mortgage and completed a short sale package in XXXX. The lender told me they have to complete a denial for a modification before they can consider a short sale. I have no income. I was denied a modification in XXXX and the lender closed out the file even though they had the full short sale package they asked for. Please help me before the buyer walks away and my property is foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity taken 2 years ago. At that time, only XXXX and XXXX offered credit freezes. Now Experian does. ( although, I had at least 2 credit cards taken out in my name through Experian between the time when they didn't offer it, until I had the 2nd card taken out last month ). 
I then froze my account with Experian last month. 
I am an owner of a small business and we applied for a XXXX XXXX Our bank needed to pull my credit. 
On XX/XX/XXXX I thawed my account through Experian. 
On XX/XX/XXXX and again on XX/XX/XXXX, my bank tried to pull my credit and could not due to it being frozen with Experian. 
On XX/XX/XXXX, I unfroze my account for another 2 days in hopes that would provide enough time. 
On XX/XX/XXXX and again on XX/XX/XXXX my bank tried to pull my credit and could not due to it being frozen with Experian. 
Today I tried to talk with someone at Experian. There were no " agents available '' to chat with. This occurred first thing this morning and has not gone away. 
I then called and got the automated system. There was no way to get to an agent, and I tried all of the options. I suspect that since I'm not a paying customer, I can not get through. 
I had the automated system CANCEL my freeze. This was confirmed on the website and in an email receipt. 
My bank tried again to pull my credit and can not. 
I filled out multiple complaints on the Experian Contact Form.

There is no one to talk with ; the contact form does not illicit any phone number, there is no one to chat with ; and there is no way for me to do anything about the freeze that has supposedly been removed, but the bank says otherwise. 
This is delaying our company getting a XXXX XXXX and will cause financial harm.
Product: Credit reporting or other personal consumer reports

First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times. 
Each time it would be a totally different answer from the next and NONE of them know what they were talking about. 
They manage to report my XX/XX/2023 payment as 30 day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with ZERO success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act everything has to be XXXX accurate on my credit report. The credit bureaus stated my account was properly invigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date of last payment is inaccurate.this is grounds for removal they also violated my rights under 15u.s.c1681 602A states I have the rights to privacy. 15u.s.c1681 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.also the credit bureaus took longer than 30 days to complete an investigation. Please remove the following accounts for several violations or I'm demanding {$1000.00} for the XXXX violations.inclosed is all of the accounts with violations 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: Checking or savings account

Subject : Ongoing Issues with First Citizens Bank and Misrepresentation of Account Situation To Whom It May Concern, I am writing to express my frustration with the ongoing and mishandled situation regarding the illegal withholding of my funds by First Citizens Bank. The account in question was closed by an employee was seeking personal retribution after I reported inappropriate behavior by a staff member who changed my address on the account.

First Citizens Bank records indicate that my account was closed on XX/XX/XXXX, while a refund from XXXX was sent to the bank on XX/XX/XXXX. However, I was never notified of the refund. It was not until XXXXmore than XXXX  months laterthat the bank admitted to having the funds. The only reason they acknowledged it was due to my persistent filing of complaints with the FDIC, NCDOJ, CFPB, NCCOB, and other agencies. At one point, I even received a letter from a First Citizens employee that outright denied any refund had occurred. 

Instead of notifying me when the funds were as they say " located '', First Citizens Bank covertly issued a check while I was out of town for a week. Upon my return, they ignored my reasonable accommodation request to avoid sending the check via signature-required mail, as my apartment requires a fob for access. This lack of consideration and professionalism is unacceptable. 

This situation clearly warranted escalation to leadership, as no one had properly handled the matter. Despite my request to speak with a live person, no one reached out to me. Eventually, I was contacted by someone identifying himself as XXXX XXXX, claiming to represent First Citizens Bank. His law firm is based in XXXX, AL, yet First Citizens Bank is located in XXXX, NC. I received his email on XX/XX/XXXX, and on XX/XX/XXXX, I informed XXXX XXXX that I had a letter outlining my concerns and resolutions, but I needed confirmation that he was legitimately representing the bank. 

I am rightfully owed interest due to the banks illegal withholding of my funds for over XXXX  months, followed by their denial of receiving the funds. Earlier communications from First Citizens staff were unprofessional and misrepresented the facts, and while XXXX XXXX and XXXX XXXX 's messages were more professional, they still failed to tell the truth. 

This matter is far from resolved, and I now request the contact information for the legal department and the name of the individual currently handling this longstanding issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has once more blocked me from getting my annual-credit-report.com and has also blocked me from getting my service.transunion.com report. 

I was waiting on this to happen when I posted a section of their reporting. 

Now, both Transunion and XXXX has blocked me from getting both online access and the federal government assured annual-credit-report.com XXXX seems to have not yet giving in to allowing third party control of my credit reporting. There is some allowance at XXXX, and that's why my score is not below that certain mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to have two separate credit reports under my information. It is extremely frustrating and I have attempted to have this resolved four times in the last eight months. This needs to be resolved by Equifax. Half of my accounts show up on one report, the others show up on another. When I get my report from Equifax, Im giving a report, that shows some of my information. When a creditor pulls my credit, they get the other one. Why cant this problem just be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit files with equifax and have called multiple times to get them merged. I have sent my verification information several times. I keep getting the run around. Every time I call they say they dont have any information. It is beyond frustrating and you can not get a supervisor on the phone or file a complaint with equifax. This is the only credit bureau that I am having a problem with. The others are correct.
Product: Credit card or prepaid card

I keep receiving recorded calls telling me my Amazon XXXX  Card ( never used since about XXXX  ) has a suspicious charge and I should call to confirm. On XXXX the call came at about XXXX XXXX  from phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the XXXX XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXXXXXX closed my card and reported the late payments. 
I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX  XXXX XXXX  needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : TransUnion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent inquiring on my TransUnion credit report for the last 3 months. I have sent letters to them stating and showing the inquiring are fraudulent and need to be deleted immediately with no results.
Product: Mortgage

US Bank Home Mortgage refuses to report my home loan on my credit report for no reason. Ive paid on time for the whole 4 years Ive had the loan and want them to report it correctly like they do for everyone else. They are damaging my credit by not reporting my 4 years of on time payments. They say the home was in bankruptcy but it never was and they refuse to fix this. They are kicking someone who is down by damaging my credit when Ive done nothing but be a perfect customer l. They shouldnt be allowed to discriminatorily decide who to report and who not to when Ive done nothing but be a perfect customer to them. They are a horrible company I cant wait to run away from
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Kindly inspect the enclosed documents ; the personal information you've mentioned does not pertain to me
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ENF XXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/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 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX XXXX XXXX, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.