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

Hello, This is a complaint regarding Paypal. 
I have made a transaction using their platform back in XXXX ( a deposit was sent to a service provider who never delivered the agreed product ). I have sent our conversation including what we have agreed on and my attempts to reach out multiple times. I finally decided to file a claim which they immediately rejected giving their expired delay. I explained that this was an ongoing project for which I have hired the provider who at one point, upon my insisting, responded pretending he had Covid, after which, I left him alone for a little while and lost time, but since I never heard back, I decided to open this claim. Which explains the delay ( I have expired their delay for filing a claim by a month ). 

I would like to file a complaint against PayPal considering their rigidity in facing life situations ( I have been a long-time user ). They could at least prevent this user from receiving payments and make this tool safer.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been attempting to resolve inaccuracies stated in the initial complaint I requested and received a consumer report and while I have forwarded information including my driver 's license for verification this matter to all three credit bureaus is unresolved. XXXX closed its investigation without any proof of updates or that it could verify any information contained within the report. XXXX report contains inaccuracies such as XXXX  XXXX XXXX XXXX acct. # XXXX ; Dept. of Ed closed accounts acct. # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; personal information ; inquiries ; and accounts that were discharged in bankruptcies ( XXXX & XXXX ). XXXX still has listed : third-party supplemental information, checking account & demand deposit activity : ( XXXX XXXX XXXX XXXX XXXX ( and XXXX ), among a host of inquiries and other inaccuracies. Experian, inaccuracies consist of names, addresses, potentially negative items, and closed accounts such as Dept. of Ed. ( XXXX acct # XXXX ; XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX ; XXXX XXXX acct XXXX XXXX ) and accounts that were previously discharged. All bureaus contain accounts I do not know and I did not give anyone permission to share, sell, or outsource my information.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX a collection was placed on my credit report in the amount of {$10000.00} with National Credit Systems. The original owner of the debt was XXXX XXXX XXXX, a company that owned and managed XXXX XXXX XXXX XXXX XXXX  complex where I used to live. 

At the time the collection was placed on my credit report, I had an attorney-XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX working on my case with the attorneys from XXXX XXXX XXXX . We were in litigation and no legal suit had been filed against me.

I lost my job in XXXXXXXX XXXX XXXXXXXX due to Covid-19, therefore leaving me unable to afford rent. I was also pregnant with a new baby at the time, leaving me in a horrible situation. I immediately contacted the property manager, XXXX XXXX. I asked for options on breaking the lease, re-renting the unit, payment plans, and even Illinois Rental Relief programs. I asked her to apply for the rental assistance on my behalf, as only the landlord could start an application at the time. I was informed that once the tenant application portion opened, I would receive emails with more information directly from the XXXX XXXX. I did not ever receive any emails or additional information. The complex was unwilling to work with me. I offered to settle the debt multiple times in writing through my attorney, I even returned the keys and surrendered the apartment on XX/XX/XXXX XXXX XXXXXXXX. While this entire case was still in litigation-I was placed in collections for over {$10000.00}. XXXX XXXX XXXXXXXX gave me no written notice or warning that they would be selling the debt to a collections agency and placing me in collections, no legal law suit has ever been filed against me, and the collections agency has been unable to provide me with enough information to verify the debt. Not a single one of the parties involved ( XXXX XXXX XXXX or National Credit Systems ) has been able to provide me a copy of the lease with my written signature on it. Not to mention, I called XXXX to verify whether or not XXXX XXXX ever submitted rental assistance application on my behalf on XX/XX/XXXXXXXX XXXX XXXX. The woman I spoke with confirmed that there is no application to be found under either my name, address, email address nor XXXXXXXX XXXX name, address, or email address. This tells me nothing I was told was true. 

I still have a collection of {$10000.00} showing on my report. I have attempted to dispute it multiple times. I have even contacted XXXX XXXX XXXX multiple times in attempt to settle the matter. No responses have been sent to myself or to my attorney. 

National Credit Systems and XXXX XXXX XXXX have insufficient information to attempt to collect a debt from me and to allow it to remain on my credit report unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//23, I submitted a credit application to XXXX XXXX. I was denied and told a freeze was in place on my Transunion credit report. Contacted Transunion XXXX/XXXX/23 three times in a row on that same day and was told that the freeze had been lifted. Contacted XXXX XXXX in between those 3 times and had them attempt to pull again. Each time the report kept coming back as frozen. On XXXX/XXXX/23 ; I logged into the XXXX XXXX prequalification website that does a soft pull on the Transunion report. I received the same message that the credit report was frozen ( I attached a picture of the message ). I contacted Transunion and asked to be escalated to an authority and was told by a supervisor ( XXXX XXXX ) there was nothing he could do since the report showed the freeze was lifted from the Transunion side. I iterated that I am unable to proceed with any credit apps or mortgages because two independent lenders keep showing my credit report as frozen, despite Transunion reps saying that the freeze is lifted. He then told me to have the lender reach out to the Transunion Marketing departing to resolve the disconnect. That sounded very fishy to me and made no sense, so when I asked for the phone number to the Marketing department to pass along to my lendor, he told me he was unable to give out the number and that the lender had the number and could call in. I called XXXX XXXX once again and conveyed this information and XXXX XXXX did not know what he was talking about, and also tried once more to pull me Transunion credit report and told me once again the file was frozen and they could not proceed forward with my credit approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the the most recent complaint I submitted last XX/XX/XXXX. I believe that the Credit Bureaus are not doing their job properly and needs a constant reminder that they have huge responsibility. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. But in my case, I believe that the Credit Bureaus chose to not comply with the FCRA statute. I was a victim of identity theft and the accounts and information I am disputing are the results of such crime. I am requesting the Credit Reporting Agencies to please remove the following fraudulent items completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house in 2020. Loan Depot reported my final payment as late, over 90 days. I was on deferred payments and still had 2 months to go before it ended when the house was sold. All came of my credit reports until this year when apparently one or more of the reporting agencies decided to verify with Loan Depot who, it seems, failed to repspond. 
I don't blame them, they already did their part. Now I'm being denied credit because of this.
Product: Credit reporting or other personal consumer reports

iting to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : American Express Account Number : XXXX Date of Charge-Off : XX/XX/year>2023 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit card or prepaid card

Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan that was handled by a collection company. I paid XXXX $ loan and then the company sold it to Absolute Resolutions. They filed a judgement against me, which I paid an outside firm to handle out side of court. Agreed to payment schedule. Did not lower the amount and made me pay for court costs and then put it on my credit report as a collections and the date on the there is incorrect. The original opening of the loan XXXX was XXXX not XXXX. Once the settlement was agreed outside of court, they placed it on my credit report as in collections. Which it is not. i have been paying XXXX a month for over year even when I lost my job in XXXX due to COVID this year. I would like the infraction removed from my report as I am presently paying and the date is incorrect.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I enrolled in auto payments with my credit card in XX/XX/2023 and was approved on the app for the lender. In XX/XX/2023, the student loan company requested that I use a checking or saving account so I chose a savings account. I attempted several payments in XXXX and received an email from the student loan company stating that they received a payment. 4 days later I received an email stating that my payment was missing. As soon as student loans began in XX/XX/2023 Aidvantage removed their app for smartphones and I was informed that I would need to sign-in online going forward. 

I proceeded to contact the student loan company and was told to inform my bank to allow the third party company access. I contacted my bank and was told that there was no reversal of a payment as they never received a request from my student loan company. I confirmed my account number and bank routing number with my bank. I contacted my student loan company in XX/XX/2023 and experienced the same issues. The student loan company stated that the payment were reversed by the bank and asked if I could make another payment. I attempted to make a payment with my checking account and the payment processed while on the phone with the representative. I noticed 2 days later that there was no attempted withdrawal pending in my checking or saving account, but it was reflected on Aidvantage website. Yikes, it shouldn't be this difficult to pay off a federal loan. What is Aidvantage doing?
Product: Debt collection

Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Mindland Credit Management, Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts.

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

I look forward to your prompt response to these requests. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XX/XX/XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened on XX/XX/XXXX Amount : XXXX,XX/XX/XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies & havent received any feedback
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

" Accounts are closed, and past due payments/delinquencies are continuing to report to Experian violating the Fair Credit Reporting Act ( FCRA ) Section 1681o. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

In accordance with the fair credit act, XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1618 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX I received a call on my cell phone from XXXX ( XXXX XXXX ). It was marked SPAM and I ignored the call. At around XXXX XXXX EST, a collector named XXXX XXXX ( sp? ) from XXXX XXXX called my XXXXyear-old son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from Crown Asset Mgt., LLC who had acquired it from XXXX for XXXX . 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. USPS tracking # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX XXXX EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' Crown Asset Mgt. and then to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns I have regarding the communication tactics employed by Experian, one of the major credit reporting agencies, in response to a dispute letter I recently sent to them via certified mail. I sent a letter personally written and to Experian via Certified Mail using a service called XXXX as I am unable to physically visit a XXXX XXXX at this time. The company isn't the best and sometimes mixes documents however this letter was written and sent by me as clearly disclosed along with my personal documents for verification. 

In my written correspondence to Experian, I did not provide an email address for communication purposes, yet I received a response from them via email. This raises concerns about the privacy and security of my personal information, as I did not authorize them to contact me through this medium via the correspondence I sent. I in fact requested they provide information that would require they respond with written correspondence. Furthermore, the email response I received urged me to file my dispute through the Experian.com website or to call them directly. While I understand the importance of addressing disputes promptly, I find this approach to be forceful and potentially undermining the validity of my written correspondence.

I believe this tactic may discourage individuals from utilizing written communication and dispute procedures outlined by the Fair Credit Reporting Act ( FCRA ). It seems to create an undue preference for online or telephonic communication, potentially limiting consumers ' ability to maintain a documented record of their disputes. 

I will attach a copy of the letter I initially sent to Experian via certified mail for your reference. As well as the follow-up letter I am sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove the from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

- my XX/XX/XXXX purchase from XXXX of {$5500.00} was put into the " Chase plan '' - a payment plan. It has never been refunded by the merchant, nor should it have been. 

- on XX/XX/XXXX I made a new and different purchase with XXXX of {$7300.00} which was not put into a Chase plan - that XX/XX/XXXX purchase was refunded by the merchant when I cancelled the ticket less a {$200.00} cancellation fee - the amount refunded was {$7100.00} Chase erroneously ended my " Chase XXXX '' for the XX/XX/XXXX purchase of {$5500.00} - their only explanation of this move is that they think the amount was paid off/refunded by the merchant, when it clearly was not. 

Neither I nor the merchant paid off or refunded the original {$5500.00} purchase. Obviously that amount should still be in the Chase plan as per the terms and conditions agreed upon. Chase is claiming that they do not see in black and white that these were 2 entirely separate transactions on different dates and in different amounts with the same merchant. The {$7100.00} refund of the {$7300.00} XX/XX/XXXX purchase has absolutely nothing to do with the XX/XX/XXXX purchase of {$5500.00} which is supposed to be on a payment plan. I am being charged interest and late fees now on this purchase and it should be returned to the Chase plan that I signed up for.
Product: Credit card

I applied for a Chase XXXX XXXX credit card on the promise of a {$200.00} reward bonus. I have satisfied the conditions as the consumer ( must make a certain amount of purchases to qualify ), however have not received the promotional reward of {$200.00}. 

I have made 2 phone calls to customer service. First phone call the rep understood the error and stated the bonus would be applied to my account within 3 days however that did not happen. This negligence prompted my second call and I was told they need more information (?? ) This is classic reel the consumer in by false pretense. 
Chase never honored their promotion.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS.

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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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