23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2021 my PayPal account was hacked. someone made 99 payments to come out daily of XXXX on both my credit card and debit card. I have been fighting with my credit card company and PayPal to get this resolved and they are not assisting me instead pay pal has locked access to my credit card including accessing my credit card account to make payments on the remaining balance I have on the credit card. I have gone to the post office and received the fraudulent tracking number PayPal is trying to say that was mine and that it went to my home address which is incorrect, the address shows a different address in XXXX XXXX NM. So now this account is in Collections because they are not assisting with this I have spoke with supervisors over and over and 2 supervisors have stated they would remove this off of the account yet nothing has been done!
Product: Debt collection

The company keeps " refreshing '' the date of a debt I had with XXXX that has long expired under the statute of limitation. They are now on my credit report reporting that the account was opened in 2019 and this is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting ACCT XXXX XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy. 
15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting

Equifax and XXXX should remove this account until a judgement is entered against me that I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$2500.00} US DEPT OF ED/XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. Specifically, it incorrectly shows a late payment for an account that has always been paid on time. It is crucial under consumer laws and regulations that consumer reporting agencies maintain accurate reporting of all information. 

Attached to this complaint are copies of my credit report dated XX/XX/year>, clearly showing the erroneous late payment notation. I am formally requesting a thorough investigation into this matter and ask that you provide verifiable proof, including records, demonstrating any alleged late payments. 

If you are unable to substantiate these claims with accurate documentation, I demand that this misinformation be corrected promptly to reflect that all payments were made on time. Your swift attention to this issue is greatly appreciated. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

My husband over paid our credit card with Bank of America back in XX/XX/XXXX. We requested a refund in XXXX XXXX they mailed out a check but it was intercepted and cashed by someone other than us. We requested help, and a new check to be issued and promised on 3 occasions that this would happen but 2 of the 3 times it was cancelled becasue they said after investigating they found a check was sent and cashed, which we finally found out with help of one of the bank associates. It was washed and re-written to a different bank. I have a copy of the check now. In the mean time of ALL this going on, Bank of America has reported me to XXXX and now my credit score has dropped and another credit card holder had lowered my credit limit with the explanation of " we are being proactive '' due to a negative report on your credit report. I have made over 25 calls along with multiple visit to the brick and mortar establishment and I am currently waiting for a 4th check that should be here by XX/XX/XXXX. Mind you only the 1st was ever really sent, the 2nd and 3rd were stopped/cancelled. I still have to deal with late charges and finance charges when and if the check really arrives, and repairing my credit to be back in the XXXX XXXX  again.
Product: Debt collection

I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!
Product: Checking or savings account

On XX/XX/year> I transferred my XXXX $ life savings into my Chime checking account to help me survive financially at that time because I was fighting for full time XXXX due to my severe XXXX, XXXX, and XXXX that was caused by two combat deployments to XXXX while in the XXXX XXXX. Due to my XXXX I was unemployed at the time and still am while I'm waiting for my XXXX to be approved. That money arrived in my account around XXXX on XX/XX/year>. A little later in the day on the same day at XXXX I started to get these weird notifications of all these XXXX $ charges happening every XXXX mins at a website I had only used a couple times in my life. So I immediately tried logging into my Chime account but whoever had hacked my account almost made it impossible for me to get back control of my account. I eventually got my account back and immediately opened the live chat and explained what was going on and told them to stop every transaction that's going on that's it not me and they assured me everything would be fine that I would just have to wait for all the charges to settle and then I could dispute them and get my money back with no problem. Receiving that information made me feel alot better about the situation even though I eventually got locked back out of my account. After doing my own research and finding others this has happened to it was clear the hacker was on a gambling site called XXXX XXXX and was using my account to buy himself credits on the game. Once all this weird activity started happening.. I would get security login emails showing the person was in XXXX XXXX XXXX, heck even one of them showed no location, no device, just the date and time. It was very obvious this was not me because I haven't left the state of XXXX XXXXn several years. Keep in mind the person somehow hacked into my XXXX account, my XXXX, my XXXX pay, and my XXXX photos and completely stole my identity as well. Please look at the times of the charges at the XXXX XXXX  site.. the hacker was spending XXXX $ at a time every XXXX mins. It was very obvious what was happening.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Attn : Complaint Division Re : Bank of America , N.A . 
Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX explaining they had not received a bill pay I submitted to be drafted from my account on XX/XX/XXXX and paid to them. 
On, this same date, I submitted a stop payment on my account for this bill pay transaction that was supposedly processed on XX/XX/XXXX in the amount of {$7100.00}. However, unknown to me, this amount was indeed drafted from my account but never cleared and never received by XXXX XXXX XXXX. A customer service person at Bank of America apologized and assured me this would be fixed immediately and issued a case number XXXX for stop payment. 
Today, after reviewing my balance on this account, which I have had for over 50 years with this bank, I notice the funds from the stop payment issued on XX/XX/XXXX were not placed back into my account. Upon review, I called customer service at Bank of America yet again and was told that the person that I spoke with on XX/XX/XXXX did not actually issue a stop payment but that this person would issue it today under case no XXXX and it would take approximately XXXX to XXXX business days for funds to return to my account. 
This is unacceptable and as soon as these funds return to my account, I will be withdrawing all services from Bank of America. I need to know what legal action I have to take against Bank of America as this is an insult to my faithful service with them and I wish for this not to happen to anyone else. 
Please contact me at ( XXXX ) XXXX for any additional information you can provide to help me with this situation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and sent a letter disputing some items that need to be deleted but I have not received a response. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX on several occasions, notifying them of their violations, yet they continue to violate the FCRA. They continue to report a " monthly payment '' on account that has been closed for years. EQUIFAX continues to respond, with a letter saying the account is " verified ''. Reporting an monthly payment on a closed account is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is inaccurately reporting and furnishing data of the following to XXXX. Inaccurate date of last payment, inaccurate date of account close, and inaccurate past due amount. Also, XXXX and Equifax are reporting to completely different close dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax rightfully deleted only 1 account ( XXXX XXXX ) immediately after being made aware that they are violating the FCRA. Equifax appears to be using some sort of stall tactic and refused to delete the other accounts I requested in a timely manner ( including the blatantly wrong information regarding payment history ). 

As a direct result of this willful noncompliance, I have been unable to get access to an emergency loan or credit after being hit by a car on XX/XX/XXXX. I suffered injuries to my brain and body after a car hit me on XX/XX/XXXX and I have been unable to get any type of credit or loan because of Equifaxs refusal to comply with the FCRA in a timely manner. I can provide my attorneys contact information and medical records as proof. 

Equifax is willfully violating multiple parts of the FCRA, including : 15 USC 1681e ( b ) 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) 15 USC 1681i ( a ) ( 1 ) ( A ) Section 611 I demand that the following accounts be *immediately* deleted from my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( all open and closed accounts ) XXXX XXXX XXXX All XXXX XXXX inquiries as I provided an FTC report months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I settled a debt with XXXX  XXXX which works with chase I believe, I was making payments on time and there was an issue with my job so I called to scheduled a payment later than what they had said and they agreed but not only that, they were charging triple and I had already made payments before but they couldnt see it on their report. When I was going to make the payment on the date that I had told them, I no longer could make the payment. I tried contacting chase but said my account was not found. I also to date I have not received letters from them stating my new balance or anything like that.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding your continued attempts to collect on alleged debts. I am specifically addressing the following entities : XXXX XXXX XXXX XXXX XXXX, XXXX. 
Jefferson Capital Systems , LLC You are hereby notified to immediately cease and desist all communication with me regarding any alleged debts associated with your agencies. This includes, but is not limited to : Phone calls to my home, work, or mobile device Emails, text messages, and mailed correspondence Reporting inaccurate or unverifiable information to the credit bureaus Any further collection attempts directly or through third parties I formally dispute any and all claims of indebtedness you allege against me and request validation of any purported debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to furnish verifiable proof of the original contract and balance owed, this matter must be closed immediately, and any negative reporting must be deleted from my credit file. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, any further communication in violation of this request will be documented as evidence for potential litigation. 

I demand written confirmation within 30 days that all collection efforts have ceased and that this matter is considered closed.
Product: Debt collection

Today the XX/XX/XXXX, I contacted Equifax credit bureau due to a dispute they said I owed. During the phone call I was told that they do not require supporting documentation proving that the debt was in fact owed. I told the Equifax representative that I contacted the debt collector, XXXX XXXX XXXX. XXXX mailed supporting documentation without my signature. XXXX also told me that they received my SSN from XXXX. I called XXXX today to pay the alleged debt and the XXXX rep let me know that they did not have my SSN, they had to get it from the doctor I visited. There was no due diligence from Equifax to see any supporting documents. This put me in an uncomfortable situation and I was force to pay a debt that didnt belong to me. The attachment will show the information provided to me by XXXX.
Product: Credit card

I requested to reverse a transaction b/c unable to receive the serviceI purchased tickets on XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ tickets for XX/XX/2024 in the XXXX of $ XXXX to fly out XX/XX/2024 which date of XXXX/Microsoft glitch halted businesses Globally XXXX XXXX XXXX XXXX Essentially, unable fly out though at airport XXXX XXXX  - XXXX trying get flight but schedule then cancel I reached out XXXX refused XXXX reached out CapitalOne they reversed the transaction initially but then recharged XXXX this was an individual situation could understand But this was XXXX  XXXX had non-refundable flight & non-refundable hotel, other expenses that non-refundable that were all reimbursed / refundedI didnt even have to reach out those credit cards to disputeNot understanding I live on XXXX XXXX ( XXXX, GA ) I XXXX XXXX hop XXXX a bus or rent a car ( rental cars sold out ) XXXX XXXX there, even if I wanted to
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash-app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive is the as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations.
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 Equifax 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 following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I paid off XXXX XXXX  XXXX a collection account for {$57.00}. XXXX XXXX XXXX reported to Transunion and XXXX that the account was paid and the account was removed from my credit report. The account was paid off under 2 years from the open date and I should have received a credit score increase of XXXX according to the website of XXXX and Transunion XXXX I did not receive the credit score increase. 
OnXX/XX/XXXX I paid XXXX XXXX XXXX a collection agency {$230.00}. XXXX XXXX XXXX reported the debt as being paid and requested for it to be removed from my credit report. The collection was removed but once again I did not receive the XXXX pts that I am supposed to receive for paying the debt off under 2 years. It is my belief that this is done in order to promote and gain from consumers need for products and services that promote higher interest rates. This is damaging my credit and ability to obtain lower interest rates. The only thing that XXXX did was send me a copy of my report which did nothing to correct the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

UWM is trying to dictate to it's broker partners who it can partner with, and will fine any broker that does business with UWM & XXXX XXXX. UWM is trying to eliminate competition with XXXX tactics. Their behavior will raise prices for consumers, and cause material harm to americans on a huge scale.