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

I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

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Product: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiries. 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 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 Transunion : 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. These unauthorized inquiries needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Credit reporting or other personal consumer reports

I am writing this letter to urgently bring attention to the fraudulent accounts reporting in my credit report. I noticed certain accounts have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident. It is very crucial to address this matter immediately as it poses a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent accounts from my credit report and to conduct a thorough investigation on this matter. I am prepared to provide necessary evidence and pursue legal action if necessary to protect my rights and seek appropriate compensation. I appreciate your prompt attention to this urgent matter
Product: Vehicle loan or lease

We purchased a travel trailer in XX/XX/2023 XXXX used Bank of America as our finance company. Since that time they have mis-applied our additional principal payments 4 times. Each time they apply the additional funds as payments and not as additional principal.

We have even gone into the branch and used their coupon and hand wrote the additional principal portion of the total amount in the space provided and they still posted it as 7 payments rather than 1 payment and additional principal.

After each incorrect posting we are forced to call in and verify that it was posted incorrectly and then have to wait 3-5 business days before it is fixed and in most cases do not even know it is fixed until the next monthly statement as their online system does not allow us to see payment transactions.
Product: Mortgage

Yes, my name is XXXX. XXXX and My house will rebuild by XXXX  XXXX XXXX. They tried sending letter out to my mortgage XXXX on XXXX occasion XXXX let them know that XXXX  plan office was taking over my house to be for it to be rebuilt. They didnt acknowledge none of the calls or anything so text XXXX XXXX to go on their own to go ahead and rebuild my house after they was in the process of reviewing My house. I got in touch with my mortgage company to let them know that the house was gon na be rebuilt because at the time I had full cover insurance to take care of the house I called insurance company. They told me to get back in touch with the mortgage company. I called the mortgage company and they told me that text XXXX office never notified them of the rebuild so they just totally ignored it After the tax office went ahead and build my home they start sending me letters, threatening letters about or closing and defaulting about the insurance and I sent insurance paper showing that that XXXX XXXX XXXX had issued my home up to a year after they built it they send the insurance and the XXXX insurance in and they stillpay full place insurance on my home and making me pay each month. They send in threatening letters to default if I dont pay and Im already have my house full insurance, but Ive been paying them over a year for insurance that I didnt need.
Product: Credit card or prepaid card

On XX/XX/2020, I redeemed my Chase Reward Points ( XXXX points ) for {$530.00} to purchase two flight tickets ( Itineary # XXXX, details attached ) for me ( XXXX XXXX ) and my spouse ( XXXX XXXX ). 

One XX/XX/2020, we received an email ( attached ) from Chase Travel that our flights are cancelled by XXXX XXXX, due to COVID 19, and can only offer us travel voucher at the moment. I contacted Chase via email ( evidence attached ) as well as customer service phone calls, insisted that I declined the travel voucher option, and demand a full refund in form of original Chase Reward Points used for this booking. Chase told me that they can not refund anything unless they got refund from the XXXX, and explaining to me that there are two transactions involved : ( 1 ) I used my Chase Points to redeem the tickets with Chase, ( 2 ) Chase separately used their own funding to procure the ticket on behalf of me. I also tried to contact the XXXX myself, but given that the tickets are purchased via Chase, XXXX XXXX is NOT able to process the refund directly with me. 

Over the last 12 months, I have made more than 15 phone calls ( evidenced at Chase 's own customer log ), and sent several emails to Chase, demanding to get my Chase Reward Points returned to me ( evidenced in the attached emails ). However, their response is the same ; unless Chase gets refund from the XXXX, I can not get the refund. 

Chase is using its travel agency subsidiary. Under the law, if flights are cancelled, customer is entitled to get the full refund. And Chase can not force me to take travel voucher with XXXX XXXX, as Chase XXXX XXXX can be redeemed as cash to pay for a wider range of payment/ services.
Product: Credit reporting or other personal consumer reports

I have attached additional information for these accounts as XXXX requested ID information, which no reason to close the compliant as there is no way this information can be verified or validated for the matter because all the paperwork shows this impossible. There are setting themselves up for the law suit they will not be able to win and will publish information once complete if they do not correct this issue. 

Not to mention, there is a woman who sued them for millions of dollars and won because they refused recognized Identity Theft on her credit report. I will use the SAME ATTORENY 'S if not corrected! 

Here is the article : XX/XX/2013 -- For two years an Oregon woman tried without success to get mistakes in her XXXX credit report fixed. Now a jury has awarded her {$18.00} XXXX for her trouble. XX/XX/2013 Another One Right Here : XXXX XXXX XXXX  Again, I was incarcerated during that time... Therefore, it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). 
Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking a specified remedy and making the following demands : XXXX XXXX XXXX  reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is considered fraud and is against the law Ignoring this XXXX and XXXX will be evidence that the infringements were willing, deceptive, and in violation of the FCRA
Product: Checking or savings account

Didnt receive funds called since XXXX total 11 times spoke 7 representatives 4 managers went through the whole process and agree to have the money but keep saying they sent it out and I have the option of waiting for another or just waiting for the check thats my only option I keep waiting the ten to 15 days and they refuse to expedite, track, give me a tracking number send certified. I ask to speak to the managers supervisor two times they refuse and say he will call in 48 hrs and he doesnt. I banked with this bank since 1988 and this is how Im treated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft.. I have never given any written consent to any reporting agency to furnish my credit report which is required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent is Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion requires consumers to establish an account for disputes, issues and feedback. TransUnion will not accept my last name XXXX XXXX to establish an account and provides the following message : Sorry, but we can only accept letters, apostrophes, and hyphens for your last name. Please re-enter. My last name does not have a hyphen and TransUnions system does not allow spaces. Consequently, I can not establish an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

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

I have spoke with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX regarding this debt-the obligation is not my debt. The debt was incurred solely by my wife while I resided elsewhere. The property was not in my name-she is/was sole owner. I have filed objections several times with the credit bureaus and no action.
Product: Credit reporting or other personal consumer reports

B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR REPORTING.
Product: Credit card or prepaid card

Back in XXXX of 2022, there was no announcement that Comenity Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " XXXX XXXX  '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments. 

Since XX/XX/2022 I have not received a physical letter, bill, or email stating their apology, or updates on the interest I should not have been charged, and they still continue to charge interest and late fees to this date. Nothing was done on their part with the last case so I am making a new case. No apology, no explanation was given, and no charges were stopped or managed.
Product: Debt collection

I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /2017 I received a letter in the mail from WELLS FARGO BANK, NA for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from Wells Fargo Bank, N.A.   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX XXXX card everything else is fraud
Product: Debt collection

To whom it may concern As a XXXX protected Consumer, I have been VIOLATED by AFFIRM. Affirm has been trying to collect a debt not owed for XXXX now. Even if affirm assumed that the ALLEGED debt was valid that DOES NOT give Affirm the right to VIOLATE me I have copies of my call log that shows PROOF of affirm calling me continuously ( more than XXXX times ) inconveniently to annoy me even while I am AT WORK which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). AFFIRM has also VIOLATED me by furnishing my private information to XXXX  parties when they charged off this ALLEGED debt which is a violation of XXXX XXXX XXXX ( XXXX ) which states UNDER FEDERAL LAW a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency and a XXXX-party collection agency IS NOT XXXX of those XXXX. I request that you show me a contract I signed with AFFIRM and a NOTARIZED Accounting ledger showing that I owe you a debt. This is not me saying i won't pay because I happily will but according to my CONSUMER RIGHTS I have the RIGHT to validate ANY ALLEGED DEBTS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I see an item on my credit report showing up a I C Systems. I dont know who or what that is. Then when I look deeper I see XXXX XXXX XXXX. Again I dont know who this is. The credit bureau claims to have verified the information on my credit report. I dont understand or see how. This is not my debt.
Product: Money transfer, virtual currency, or money service

I was checking company 's to try and get a loan to help with bills. The company then forged my signature and forced a loan on me that I did not agree too. I reached out and asked why they did this. I tried to return the funds by check since they were not responding. I then had the check returned to me. They forged my signature and forged an agreement which I did not agree too. Now they are trying to force a payment out of me with interest payments. They still refuse to respond and take back just the original amount. They hacked my phone and got my banking information cause it was connected to my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 10 XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.