23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transfered {$1000.00}. plus charges to my girlfriend, she says tha Paypal will not give her the money that I sent because Paypal is requiring her to have a bank account, which she does not. In the past, I have sent her more money than described and Paypal did not ever require a bank account. Neither did they ever tell me that a bank account would be required in order for her to collect the money I sent her. I asked Paypal to refund me and they refused. They said she has the money, wrong, she does not. She was to receive XXXX XXXX XXXXXXXXSo Paypal has apparantly done this before, I now find out. I want to have her collect this and any money being held.for a bank account. Since Paypal refuses to refund my money, it is sitting in the " air ''. Now my girfriend has already lost that money because of Paypal has offered someone else my payment due her on the XXXX for a fee. It is now the XXXX I believe that Paypal has done this to get even with me for the complaint I filed earlier. That was an amount the same {$1000.00} USD. I believe that Paypal has decided to cost me money, which isa criminal act..
Product: Credit card

Reported ID fraud. Synchrony bank/Amazon card found in my favor. Sent me new card, also punished me by slashing credit limit in half. Received new card, charges from fraud transfered to new card, synchrony says by mistake, but offered no info why halving limit. While awaiting mistake to be removed, Synchrony Bank reported to credit bureau first XXXX  days late, then XXXX days late causing XXXX points to be removed from my credit score. Called half dozen additional times and told by fraud dept they would fix it. In meantime card fraud balance is accumulating late fees and interest fees in addition to " over limit fees ''. Live chatted with customer service online only to get harassed about making a payment. Next day notified by credit reports that Synchrony has closed the card, which will cause future score changes I'm sure. Very humiliated by several customer service reps in the fraud and billing depts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in request to verify these accounts and I have yet to hear back from the credit bureaus. It has been well over 30 days. These account listed are not my accounts and I have no contract on file with thee companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX  XXXX '' for the original amount of {$260.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I called Capital One to ask if I could make arrangements to pay XXXX $ of my XXXX $ payment, due on the XXXX, with the balance of XXXX $ for the XXXX payment on the XXXX of XXXX. I was told, " no problem ''. When I called on the XXXX with my XXXX $ payment, my account stated I owed XXXX $ for XXXX. This included my XXXX $ minimum, a late fee of XXXX XXXX and the XXXX $ I was paying that day. In talking to them, they waved the late fee and accepted my XXXX $ payment, completing my XXXX payment. With the understanding that my autopay would return to normal minimum of XXXX $ for XXXX payment. On XX/XX/XXXX my bank was charged XXXX $ from Capital One. I called again and explained that this was erroneous, that this payment included the XXXX XXXX waved, late fee and the XXXX $ I payed on the XXXX, as agreed by them. This was argued with me that the XXXX $ was my minimum due. I asked to be credited back the XXXX $ and the XXXX XXXX which would make my actual payment XXXX XXXX as it should have been. I just received a letter and statement that I was refunded XXXX XXXX With an added XXXX $ late fee and a payment due of XXXX XXXX The letter was dated XXXX XXXX. As of the XXXX of XXXX, I have not recieved any notification from my bank of any refund. 
There is no one at Capital One who speaks enough XXXX to understand any information given them. They make arrangements with you and do not keep their word. I have never been late with any payments. This company is completely disconnected with one another and their autopay system is completely dysfunctional. 
A final attempt to converse with Capital One produced a response that they see no indication of these arrangements and are standing by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. XXXX XXXX is still to this day pushing XXXX days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take XXXXXXXX XXXX off of my equifax and XXXX credit reports. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request for an item to be removed that was reported incorrectly. On XXXX it was stated that Experian would be working to resolve the matter. Despite claims of fixing the matter, Experian did not do anything. The item remains on my report. On XX/XX/XXXX that info still hasnt been used. 

Experian continues to violate, FACR, Section 623 ( a ) ( 3 ).
Product: Vehicle loan or lease

My loan is paid up to date and they keep sending collection letters and when I call the amount they say I am past due never changes and keeps dinging my credit and saying that its a problem with their system.. I have proof that its paid.
Product: Vehicle loan or lease

I am being persecuted by GM Financial whom is attempting to collect an unlawful balance on a vehicle that was leased through them. 

They are reporting a balance of {$24000.00} - This entire problem began with a faulty brand new vehicle that had been problematic since day one. I leased this vehicle on XX/XX/XXXX - and the vehicle shortly began to exhibit sudden deceleration problems that was ultimately found to be related to a faulty transmission. Luckily the vehicle was brand new and was covered bumper to bumper. After many repair attempts the vehicle would work for short periods of time and then go back to the same issue, until finally it caused an accident On XX/XX/XXXX. This rendered the car inoperable and had to be towed, mind you, this was during the first Major LOCKDOWN that rendered me unable to go to the toward to retrieve the vehicle, as I had no car and ride share services were not operating at the time. Contacting GM financial resulted in them opening up a claim and since they were the lien holders they agreed to go retrieve the car from the two yard. 

This is were things get murky, as in the middle of covid lockdown I was informed that the car was sold, and I still don't understand who sold it or how things transpired. The car 's damage was not conducive to it being a total loss, GM Financial had stated they would go retrieve the car out of the tow yard, it was fully insured and still under manufacture warranty. 

I completely refute and dispute this past due balance that GM Financial is reporting as a past due balance. They completely mishandled this situation and have no right to a deficiency balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig Cred : XXXX XXXX ) - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Product: Consumer Loan

I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX. Please remove ASAP.
Product: Debt collection

Stronger & Stenger PC. I received a letter saying they were a collection agency trying to collect on an alleged debt from XXXX XXXX. XXXX XXXX had never been able to prove to me they had produce a legal loan coming from their own funds. So they sent my name to this collection agency. I had never contracted with this company, nor give them permission to contact me. I asked them to show the proof to me, where I contracted with them. They were unable to do so. For their convenience, I sent the paper work I had sent XXXX, which XXXX XXXX never answered my questions. Instead of speaking with XXXX XXXX and having them answer my questions. ( Which would prove XXXX XXXX produced a legal loan that complied with the Truth and Lending Act. ) They continued collection efforts on the alleged loan they can not prove XXXX XXXX allegenly legally loaned. Now they are working with XXXX XXXX to produce a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed XX/XX/XXXX in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) that's reappeared on my credit reports ( XXXX  , Equifax & XXXX  ). This account has already been removed from my credit reports once before and has negatively reappeared. The same documentation that I'm sharing will be used against the creditor in court because I'm seeking legal action and starting a civil case XX/XX/XXXX. I'm seriously fed up with going back and forth stating that I am not liable for the account, I can't help that my personal information was obtained and stolen ( Emails, Phone Numbers, Addresses etc. ) The information associated with the account number above-mentioned doesn't match with my exact personal information, it has the wrong addresses, phone numbers except for my old email that I don't have access to anymore that was hacked years ago and the reason XXXX is associated with the Consumer Financial Protection Bureau is because I created an online account with them every since I had created the email before it got hacked and stolen. That's not my email anymore though
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM XXXX AND EQUIFAX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Experian continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.
Product: Mortgage

Mortgagor - Mr. Cooper Mortgage # XXXX Mortgagee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Conventional Home Mortgage Problems with Payment Handling and Payment Information I scheduled a partial payment via the Mr Cooper website XX/XX/2021 for {$750.00} from my account at XXXX XXXX XXXX. 
This payment was rejected by XXXX on XX/XX/XXXX for NSF. 
I saw this transaction information on the XXXX website the morning of XX/XX/XXXX. 
I made a cash deposit to have more than enough funds in the account for a second ACH attempt for this payment. 
I had no evidence of a second attempt for this payment. 

I contacted Mr Cooper customer service on XX/XX/XXXX, inquiring - - how many attempts are made to make a NSF transaction whole - when does this attempt occur - informed Mr Cooper that there was sufficient funds in FCCU to make transaction Mr Cooper rep on the phone told me - - we make two or three attempts - these are made within 48 hours.

I was told it was needed {$2200.00} in total to make one complete mortgage payment. 

Representative did not inform me that the partial payment 'in limbo ' would not be made a second time. 

Based upon the information I had on XX/XX/XXXX, I made a partial payment of {$1500.00} - that plus the {$750.00} previous NSF attempt - to be made again - would be my payment. 

On XX/XX/XXXX I find that no second attempt on the {$750.00} was made - I made a 90 minute phone call only to be told that Mr Cooper is blameless. 

If Mr Cooper Customer Service had told me of the sequence of events on XX/XX/XXXX, then I would not have been late on mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. Monterey Collection Services, LLC, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original CreditoXXXX XXXX XXXX  Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX Credit Reporting cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau upheld the collection account and stated they investigated and Monterey Collections provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to Monterey Collection Services by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to XXXX
Product: Credit reporting or other personal consumer reports

After receiving letters from XXXX XXXX XXXX, XXXX, Equifax, XXXX, XXXX and XXXX about my information being hacked or leaked, I reached out to both bureaus that contained misinformation. It appears an individual attempted to open several accounts using my information. I completed a FTC report and reported this information via phone call to the local PD. I submitted this I information to XXXX and Equifax, and after waiting minimally an hour was able to speak to a representative. These representatives were unhelpful and combative, but I believed a solution would be established. Upon a more recent check, I realized nothing was done and the inaccurate information remains on my reports. I believe the bureaus job is to make sure all information is accurate, and if not, do the research to ensure it will be. I immediately need a resolution, to remove at minimum 3 XXXX inquiries from XX/XX/year>, that I 100 % was not apart of. Also there is a single inaccuracy on the Equifax report, claiming and inquiry from XXXX XXXX XXXX. I did not request this. Please advise, thank you.
Product: Debt collection

This company calls every single day from MULTIPLE phone numbers. They have a new phone number EVERY SINGLE DAY. I repeatedly have asked them to cease and desist phone calls and to ONLY send communication through mail. The calls continue and I am getting incredibly frustrated by their tactics.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for their refusal to correct inaccuracies on my credit reports. As a victim of identity theft following several data breaches, including XXXX, I have been severely impacted by these issues. 

Despite submitting proof of my correct name, the bureaus continue to list my name incorrectly as " XXXX XXXX '' and even " XXXX XXXX '' on several fraudulent accounts. I have repeatedly requested they remove these inaccurate names, yet the bureaus persist in showing them as also known as names on my reports. Additionally, several fraudulent accounts opened under these incorrect names remain on my reports, damaging my credit