23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card was opened with an email address that was not verified or in use for over 10 years. 

Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. 

There was a very nominal amount charged to the account automatically. 
That I did not authorize or even know about. 

This is what caused a perfect credit score to be tarnished. 

I have tried many times to explain this to the creditor only to be ignored. 

They can as well as you can see that my score was perfect at the time this account was opened. 
Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. 

Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. 

Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.
Product: Credit card or prepaid card

Company : PayPal Amount : {$95.00} Purchase was returned. The seller acknowledged the receipt of the returned package. Sent all relevant information and PayPal still did not refund the funds.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and notice I have a fraudulent account on my report please remove and delete this account as soon as possible from my report, they are hurting my ability to ability to obtain credit. 

Thank you
Product: Mortgage

In XX/XX/2019 my Mortgage loan was sold to Loan care. 

Loan care has tried to force change the terms of my loan since acquiring this loan, including : -charging fees to make a payment via phone or internet, where I had no charge options under my previous terms from my original loan -Indicating I have a prepayment penalty on billing correspondence, which is a change of terms from my original loan -Loan care is asserting I must and harassing me to pay my property taxes with my payment, which is a change of terms from my original loan -On XX/XX/2019 Loan Care paid my property taxes without my consent. 
-I called to object as this is unwanted and it was put aside -Loan care has again tried to change the terms of my loan to force me to pay my taxes with the payment and is currently holding my, on time, XX/XX/2019 payment and playing games again. 
-The last days I received calls from an unrecognized number and they finally left a voice message, it was Loan care asking me to call. I did and can get not satisfaction within the company. These unlawful actions by Loan care are causing anguish, interfering with my life and taking my time. 
I ask Loan care to abide by the law and stop attempting to change the terms of my loan.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I deposited {$1200.00} into CashApp to send to a friend. At the end of the transaction I saw that the wallet address was missing a letter. They had made a mistake. 
I copied and pasted as normal so I know the address given was correct. Not only did that transaction get lost, but they got the {$1200.00} funds for the transfer. CUSTOMER SERVICE Says they can do nothing. I called them within 5mins of the trade. THEY CHANGED THE WALLET ADDRESS!!!! 

At risk is {$130000.00} plus {$1200.00} deposit in CashApp
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00XXXX XXXX XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 


Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 
Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus TraXXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have tried to resolve this problem since the end of XXXX. They just sent me a refund check for {$1.00}, and said they closed my account. If you look at the photos I have included, I have {$600.00} in my rainy day fund. Dont you think they American Express Serve would include the {$600.00} in my refund check! I have filed a complaint before and thats when they sent my {$1.00}. I can still move money from my main account to my rainy day account even after they sent this letter about closing my account, how in the world could the smart guys at American Express miss {$600.00}? Unless???
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got a notice on XX/XX/2020, supposedly from Goldman Sachs, that an Apple credit card in my name and address, had a balance and asking me to settle the balance. 
I informed the Goldman Sachs Apple Card Specialist at XXXX that I had never had an Apple credit card, although I have been using XXXX devices for many years, and that in all probability my Apple ID must have been hijacked. 
The analyst wanted my date of birth and contact information which I provided but I declined to give the last 4 digits of my social security number since I was not altogether sure that this wasn't some sort of scam by an adversary of the United States, where I am a citizen. 
I have since changed my Apple ID password to be even stronger than before but I am perturbed that XXXX and Goldman Sachs do not utilize verification mechanisms such as two step authentication before allowing such credit transactions to go through. 
This hole in the secure use of apple credit cards at merchants is very disturbing. 
I have made a written complaint to the FTC but am also entering it here so that action can be taken to prevent innocent uses of XXXX mobile devices from having to pay for transactions that they are not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX  ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and XXXX ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .
Product: Debt collection

Today I tried to call the company to get the debt resolved. They would not verify the correct amount to me in the beginning. The first representative I spoke to was XXXX XXXX. He harassed me on the phone and I requested to speak with someone else he told me that he was the only one who could speak with me on this account and that he would not transfer me to anyone else, I told him that I would like to speak with Manager and he said he can handle whatever I need to. I asked two times if I could please get transferred to someone else he told me no and then I hung up. I called back and I asked if I could please speak with a manager or someone else the rep representative transferred be back to XXXX XXXX, after I clearly stated that I do not want to speak with him, I dont feel comfortable speaking with him. He was rude and told me that hes the only one who could speak with me on my account and I told him at this point I just dont feel comfortable speaking with you. My concerns are not being addressed. I felt so uncomfortable and harassed that I could not speak with anyone else and he had me on the phone. While I was trying to get the correct information. He finally transferred me over to another representative, and I requested to please speak with a female. They said that they would only send me to voicemail. I called back a few hours later and requested to speak with the female and her name was XXXX when we went over everything I told her I did not feel comfortable speaking with XXXX and if I could, please just work with her. Then I wanted to confirm the information on the debt that allegedly was collected she would not verify what the accruing interest is with me, and when I asked you to please verify she was very rude and said that she would not do the math for me or verify any additional information. That I had to figure it out myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps on go down, Equifax wants me to purchase there products ( I wouldn't ) My house paid off I owe no money my credit cards are paid off in full each month.I have no loans my card are all paid off, no loans and my score keeps on going down.
Product: Vehicle loan or lease

I have not received any letter of default or anything about repossion, i fell behind during covid and have been trying to catch up since. I owe them 8 payments, i offered to make 4 which they denied. I asked them to give me 30 days to sell the vehicle as i have equity in the car and are unwilling to help. The confusion started when we did a forebearance plan at the start of covid with start dates and wasnt properly explained to me.
Product: Vehicle loan or lease

I obtained this vehicle loan through WellsFargoDealerServices In XX/XX/XXXX. I've never missed a payment until XX/XX/XXXX. I've always made monthly payments- and as I was experiencing hardship ( job switching and car breaking down ) and called in to see what my options were, they said to either pay up or I would lose my car and get it reported to the bureas. 

As I was making a job switch, they vehicle was having problems and I couldn't even operate the vehicle. Tried to make arrangements with them but they refused to listen or come to any agreements or terms. I couldn't get to work with my faulty ( found out it was a recall ) and lost my new job. WFDS didn't care about my situation at all, all they cared for was their money, them being a lien on my vehicle, and the profit they've made on the interest rate I've paid them for nearly 2 years. 

After they repo-d the vehicle, they refuse to disclose me with the true amount of how much they sold it for. They refuse to disclose information on how much is REALLY left, after any and all GAP/WARRANTY was refunded back into the loan to decrease the amount. All they did was charged it off and kept on telling me to call back to find out the actuall amount due after " EVERYTHING '' goes through. I believe I'm a victim of WFDS not following proper procedures and treating consumers unfairly.
Product: Checking or savings account

. On XX/XX/2023 i paid XXXX XXXX  XXXX dollaras and he went to my business on XX/XX/2023 and paid the remaining XXXX dollars, but for some reason i received an invoice while making the payment and i cancelled it. 
What a surprise that i noticed that the XXXX was charged again as a whole, so i contacted the recipient and he never answered and declined the returns. I called cah app and they said they will look into it and did nothing and said to me that they can not get the funds back from XXXX so the can not return it to me. I asked if they were insured against this kind of problems that it was problem with their app. they said they will open a claim but did absolutely nothing. 
I contacted chase and they got the funds back. but reverted the transaction because cash up submitted paperwork with diffrent dates than the ones from the statement and said that these charges were unrelated and were 15 days appart, and and submitted the dates as XX/XX/XXXX for for {$300.00} and {$51.00} and XX/XX/XXXX for {$350.00}. XXXX was careless enough and did not verify the transactions cash app submitted did not match their transaction dates and returned the money to them. i have been on the phone with chase over XXXX times submitting paperwork and they have been so rude and refused to return the funds and as you can see in the statements they were done on XX/XX/XXXX and on XX/XX/XXXX. 
I also called cash app and they had blocked me from requesting the money back and up to this date XXXX  and cash app have refused to return the fraudulent charge of XXXX dollars. i have submitted the paperwork and XXXX stated that this id=s a claim that was closed and refused to reopen the claim. i spoke with supervisors and XXXX told me that they can not recover these funds. I urged you to help me recover my funds and investigate and check that the dates i provided are the real dated and the cashapp altered the dates to refuse the refund and kept the funds. 
on XX/XX/2023 i managed to access a statement from cash app and it clearly shows the duplicate transaction on XX/XX/XXXX statement which differs from what they replied to XXXX bank..
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied credit card with XXXX XXXX not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.
Product: Credit reporting or other personal consumer reports

I have asked for the incorrect information to be removed from my reports and they have not removed any inaccurate information. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX South Carolina XXXX. My employer is XXXX XXXX XXXX located in XXXX, South Carolina XXXX. I have provided the credit bureaus with my correct information and they have not removed any inaccurate information. I would like for them to remove the inaccurate information immediately.
Product: Credit card

Today, I received a call from this XXXX of the Synchrony Bank. Caller ID XXXX, which does not relate with the Synchrony Bank. 

Voicemail Script Good afternoon my name is XXXX XXXX I'm calling from synchrony bank this message is for XXXX XXXX in regards to your teacher for words credit account and received correspondence regarding an issue were having and I was just wanting to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day I sometimes could hear the parts of this voicemail recording. And each time, the different parts are clear. I have checked the number XXXX, which does not relate with Synchrony Bank. Therefore, I decline to call back this number. Also, the number, XXXX, looks to connect with some private number ; therefore, I will not answer.
Product: Debt collection

The company stated I had to pay a 12 yr old debt or be served with papers and sue for 3x the amount of the debt. When my husband called them back they said they had not threatened to sue. They also acted like they could not give me a validation notice or their physical adress which from what I understand is required by law. They said they are a green company and do not send anything by mail and will only send out a paid in full notice once the debt is settled. I believe I may have actually paid the debt in full prior to this anyway. When I atttempted to look up the mediation service, Alternative Dispute resolution online there was little information and no XXXX picture of the business. The company they said was the actual debt collection company, that they were able to transfer me to within the same company, XXXX XXXX XXXX, there was no information om them as a company. Niether vompany is accredited by the XXXX.
Product: Debt collection

a Letter from North American Credit Service , Inc. ( NACS ) was mailed XX/XX/XXXX stating I owed them {$160.00}. 

XXXX sold the medical debt to NACS - no notice was ever sent informing me of my options to opting out of and/or selling/ or distrubting my non public information to this 3rd party. 

Liability : Pursuant to Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) The Privacy Act of 1974 ( 5 U.S. Code 552a ) XXXX XXXX ( 15 U.S.C. 6801-6809 ) willing to negotiate this settlement. email me at XXXX.
Product: Vehicle loan or lease

My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions. 

I have had trouble in the past with them not applying my payment to the account. 
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay. 

Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.

I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed. 

I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet. 

Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00}
Product: Debt collection

XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!