23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written multiple letters to XXXX XXXX XXXX XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.
Product: Checking or savings account

From XX/XX/2021, until the beginning of XXXX, I was abroad, in XXXX, where I used my debit card. 
Unfortunately I did not have access to my bank account during this period because the online account asked me to verify my identity through a code sent to my phone, which was out of service abroad. 
When I return from my trip, I discover to my surprise that the bank has charged me {$40.00} for the use of my card as a fee. This, for the withdrawal of money from the automatic cashier ( {$20.00} ) and in fee when using the card to make payments ( with a total of {$19.00}, but that are dozens of small charges ). 
When I first called the bank, the agent told me that they would reimburse me {$20.00}. 
In a second call, because later I understood that the total was {$40.00} and not XXXX, great was my surprise when the new agent informed me that the refund had not been approved by the system in its entirety, only {$5.00}. 
It seems to me that these charges are, in addition to being unjustified, abusive.
Product: Debt collection

The Chargeback / Dispute policies of PayPal have taken my account to over negative $ XXXX dollars and now they 're turning me over to a collection agency. 

I 've been a member of PayPal for many years. I 've never had an issue until now. My ex-roommate moved out owing me over {$13000.00} in XXXX of 2016. She moved back home with her parents. Her father gave her access to his credit card. Between XXXX and XXXX she was paying on what she owed by making payments through PayPal. After making several payments, she got into an argument with her Father. He was mad and started disputing the payments she made with his bank. His bank generated a dispute for each of the payments in her name. They said she disputed the payments. I immediately tried to resolve the issue by working with her. She accepted full responsibility for the chargebacks and admitted I was not at fault. She submitted a notarized letter stating that. She 's made several attempts to address the issues via calls and emails, but no matter what she did, they could n't do anything. They have no process or procedures in place to resolve issues with the buyer 's bank when the buyer is at fault. PayPal did n't do anything to meet her request and transfer the debt. From my side of the transactions, I 've done everything I could to show them, the payments were valid and it was a personal transaction and not something bought and sold. PayPal 's chargeback and disputes department said ; they would present the information to the bank. They said ; since the PayPal account owner admits the charges were valid and stated she was authorized by her dad 's card, that I did n't need to worry. Eventually, the first set of chargebacks were closed against me. They said they would appeal the banks decision. More and more chargebacks were closed against me and I asked for a contact and the name of the bank. I was denied this information and was left helpless to resolve the issues. I did n't know the bank, whose card was used, or a single contact to address the issue. PayPal said they protect that information, but they still expect me to accept responsibility. The result is ; my exroommate committed fraud and identity theft and I 'm being held responsible for her illegal activity. PayPal 's expects me to pay over {$6000.00} for an issue they did n't help me resolve. Their reason for not supporting me, is these transactions are n't covered by " seller protection policy ''. PayPal said they have no way to transfer the debt to the buyer, even though she is at fault and accepted responsibility. Because of PayPal 's inability to place responsibility on the person at fault, they 're attempting to collect from me without providing any support or opportunity to address the issue with the bank making this claim. 


If you do business on PayPal and someone buys merchandise with a stolen card, you are responsible to pay back the amount of the transactions made and you wo n't have access to the funds to run your business. No matter what, because someone broke the law, the company that says they 'll protect you, holds you responsible to pay.
Product: Mortgage

I am writing to file a formal complaint against Freedom Mortgage regarding significant delays and lack of transparency in the escrow process for the sale of our property. As consumers, my wife and I have encountered numerous issues that have resulted in prolonged and unnecessary delays, causing undue stress and financial burden. 

To provide a detailed account of the events, we entered into escrow to sell our house on XX/XX/2023. A seller credit addendum was subsequently added on XX/XX/2023. Our file was submitted for underwriting on XX/XX/2023, and the buyers were granted conditional approval on XX/XX/2023. In a timely manner, the buyers promptly provided the requested proof of funds documentation on the same day, which was acknowledged by the company both verbally over the phone. Additionally i submitted the documentation requested of me the next day on XX/XX/2023. 

However, despite fulfilling all necessary requirements promptly, we have experienced a lack of communication and a dearth of information regarding the status and progression of the escrow process. When we inquired about the expected timeline to completion one week after conditional approval, we were informed that it could take an additional three weeks to attain final approval, extending the anticipated completion date to XX/XX/2023. Regrettably, it has now been 92 days since we entered escrow, and there is still no projected timeline for completion. 

Furthermore, we have been subjected to the inconvenience of repeatedly submitting third-party authorization forms for one of the buyers and our real estate agent. Despite our repeated efforts, it appears that the company has failed to maintain proper documentation, resulting in unnecessary delays and disruptions in the process. 
We believe that these ongoing issues are not only unprofessional but also potentially detrimental to the overall success of the transaction. The lack of transparency, failure to adhere to promised timelines, and repeated requests for information previously provided raise concerns about the company 's commitment to customer service and adherence to regulatory standards. 

Therefore, we kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter thoroughly. Our primary objectives are to ensure a fair and timely resolution to the escrow process, obtain clearer communication regarding the status of our transaction, and prevent other consumers from experiencing similar hardships and frustrations in their own financial endeavors. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I mailed a letter asking for my name and address to be corrected on XXXX XXXX XXXX The Experian company refused to delete the incorrect information on XXXX XXXX, XXXX, which is a violation of my rights according to the FCRA. Along with the request letter mailed on XXXX XXXX, I supplied the company with a copy of my driver 's license, social security XXXX and rental agreement. This is a clear violation of my rights.
Product: Credit reporting or other personal consumer reports

CFPB, I been disputing these addresses that I never lived at on my Equifax consumer report for the last 3 months, and Equifax continues to ignore my request. Attached is a copy of my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX  XXXX  XXXX  Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. Experian shows a high credit limit of {$0.00} and XXXX  shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX and Experian both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Product: Credit reporting or other personal consumer reports

Sent a letter to the credit reporting agency on XX/XX/23. They notified me that they won't look into my disputes because I didn't send it, which is untrue.
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX  account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
Product: Credit reporting or other personal consumer reports

The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Although XXXX XXXX XXXX XXXX was closed. The account appears to show delinquencies after the closed date. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.
Product: Credit card or prepaid card

I used the XXXX link on the home page of my church to pay my XXXX, unfortunately the payment was sent to a non church organization. After contacting American Express and XXXX in XXXX, XXXX reversed the charged on my credit card. American Express denied the credit adjustment and recharge me, when I called them the same night I discovered the charged. When I filed a dispute with American Express, the closed the case and left the {$800.00} charge on my account after indicating that the issue would be resolved. It is now XX/XX/2020 and the issue still is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX  XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.Experian has XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
Product: Money transfer, virtual currency, or money service

I sold a phone on XXXX for {$140.00} on XX/XX/XXXX at XXXX XXXX. The buyer paid via PayPal. PayPal in return placed a hold on my account for {$190.00}, which put my account negative {$45.00} overdrawn. 

I called PayPal and spoke to XXXX on XX/XX/XXXX at XXXX XXXX and he said his supervisor XXXX said they will only release {$15.00} now and then release the rest in 21 days. I told them that was ridiculous and that I was going to cancel the transaction then. 

Now that I canceled the transaction. The buyer on XXXX has not received a refund because PayPal is saying that they ca n't return the payment if your account is in negative. Remind you my account is not negative, prior to this deposit I had a balance of + {$0.00}. After the buyer paid me {$140.00} PayPal took enough money out in holds to bring my balance down to - {$45.00}. And now I can not return the buyer his money, nor give him his phone. So this makes my business look bad because of PayPal. This is clearly a scam by PayPal to hold people money so they can make money off of the interest in their bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected. 

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late XXXX and is planning to purchase a new residential condominium for herself and her XXXX minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX ~ on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX XXXX attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX XXXX belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX XXXX card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB may suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Product: Debt collection

I reviewed my Credit report back in XXXX of 2024 & I discovered that i had a few accounts, names, addresses, and phone numbers that did not belong to me & i was not familiar with. I reached out to the original creditor " XXXX XXXX XXXX  '' and they directed me to the company trying to collect the debt which is TRUE ACCORD CORPORATION. The also informed me that they have no records of me. I have tried reaching out to them multiple times with none being successful. I have disputed the account multiple times only for it to come back as verified.