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

On XX/XX/2020 I received an automated email ( attached ) from PayPal stating that I had authorized a transaction to XXXX  XXXX  in the amount of {$1200.00}. Because I knew I did NOT authorize this transaction, I immediately called PayPal in which I wasnt able to get through so I attempted to submit a dispute through their Resolution Center which was also unsuccessful because the payment was still pending. I initiated contact with PayPal through their messaging system in which I have told them several times I did not authorize this transaction. With no success through PayPal I contacted my bank to stop payment on this transaction. In addition, I changed my PayPal password and removed all credit/debit cards ( notification attached ) linked so it wouldnt happen again. I wasnt able to remove my bank account or report the unauthorized transaction through PayPal until the transaction was complete. As soon as the transaction was  complete I submitted a dispute through PayPal Resolution Center. I have since made several attempts to contact PayPal via the phone and have messaged them using their messaging system all of which have been unsuccessful. I received notification PayPal has concluded that this was an authorized transaction ( email attached ) I dont have a XXXX XXXX account, I never have, I have also never made a XXXX XXXX payment ever, so I am unsure why they wouldnt believe me when I say I did not authorize this payment. I have also tried to dispute it with XXXX XXXX but they said they need a phone number associated with the transaction and of course I dont have that, all I have is the information I received through email when the unauthorized transaction was made. In addition, on XX/XX/2020, I received an email ( attached ) stating there was suspicious activity on my account and my account was suspended. Another reason I dont understand why they conclude that the transaction was authorized. PayPal has emailed me several times reminding me I have a negative balance on my account and that they will soon report, if they havent already, to my credit report. I have called the collection department in which they conveniently answer the phone but say they can not assist me with disputing the transaction, they can only assist with collecting payment. I have good credit and dont want to ruin it for unauthorized transaction through PayPal. I would also like to deactivate my account as I will never use PayPal again after the terrible service I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX & XXXX ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on Transunion ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXXXXXX XXXX XXXX ( Removed from XXXX  as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my XXXX   XXXX  account has been frozen sinceXX/XX/2018 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.
Product: Credit card

I GOT SCAMMED WITH A TRAVEL AGENCY. THEY PRENTED TO BOOK A FLIGHT FOR ME AND MY HUSBAND AND MY DAUTHER THEY PRENTED THEY WERE XXXX. I BOOKED THE FLIGHT ON XX/XX/year> FOR XX/XX/year> GOING TO XXXX, BEFORE I WAS ABOUT TO TRAVEL I CALLED THE AIRLINE REALIZE THAT CANCELLED OUR FLIGHTS RIGHT AFTER IT WAS BOOKED. WE HAD TO BOOK ANOTHER FLIGHTS TO GO TO THE RESORT. IT WAS XXXX XXXX I PROVIDED DISCOVER CREDIT CARD EVERYTHING I CAN PROVE THAT THAT COMPANY WAS A FRAUD THEY STILL THINK IT IS A VALID TRANSACTION.I WANTED TO LIKE PEOPLE KNOW THAT COMPANY IS A FRAUD. 
CALLED XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies and inaccuracies related to the reporting of my loan information to all three credit bureaus : XXXX, TransUnion, and XXXX. Despite having initiated XXXX disputes regarding these issues, it appears that XXXX has continued to provide inconsistent and incorrect information to each bureau. These inconsistencies significantly misrepresent my financial responsibility and have the potential to adversely affect my credit score. 

The issues at hand include several key areas of concern. First, XXXX has reported varying information to each credit bureau, which not only undermines the integrity of my credit report but also reflects negatively on my overall financial standing. Additionally, the terms of my loans under the Public Service Loan Forgiveness ( PSLF ) program have not been reported accurately ; specifically, my qualifying payments do not appear to have been counted correctly. I have also noticed discrepancies in the payment history reported to my XXXX credit report compared to the TransUnion report, calling into question the accuracy of the information being provided. To complicate matters further, each of my credit accounts shows different payment dates, creating confusion and undermining the validity of your reporting. 

These inaccuracies in reporting are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 602, 605, and 611. Section 602 establishes the duty of furnishers to provide accurate information, while Section 605 relates to the reporting of inaccurate data and the requirement to correct such errors upon notice. Section 611 mandates that furnishers investigate any disputes brought to their attention and report their findings back to consumers. Additionally, pertinent case law, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  emphasizes the obligation of lenders and furnishers to ensure that accurate information is reported ; failure to do so can lead to liability under the FCRA. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored that informations furnishers like XXXX are required to have procedures in place to ensure accuracy and adherence to the statute. XXXX does not have procedures in place to ensure accuracy since all of my credit bureaus have different information and knows that I am PSFL and put it as 130 months terms which goes against the requirements of the PSFL program. 

Given these significant discrepancies and your responsibility to ensure accurate reporting, I urge XXXX to conduct a thorough review of my account records. I insist that the account be removed from all three of my credit reports due to the inaccuracies present. My next step will bring litigation for intentional negligence and failure to address 3 previous disputes.
Product: Credit card or prepaid card

Followup from XXXX and identical complaints prior to that. 

American Express Company continues to send unsolicited offers of credit. This matter is unaddressed and unresolved for XXXX months or more after multiple requests through company channels and after that, through this channel. 

Please cease sending unsolicited offers for credit cards or any other matters. Do not reply asking recipient to contact one of your marketing partners. Do not reply asking recipient to check a box on your website or application or the same on a partner 's website or application. Do not reply stating the resolution may take XXXX to XXXX to XXXX weeks - this is now far beyond that time estimate with no observable action on your part, no resolution to date, and no reason to believe that this will be addressed without further escalation. 

Please cease sending unsolicited offers for credit and stop sending junk mail. Please remove the recipient from any and all communications from your company and any and all of your partners. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at my current address for over 2 years. I do not live at any other address you currently have in my credit profile. There may be individuals that have the same name as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. And I was told that all of those invalid addresses must be removed. I am concerned that mail could go to the wrong place and jeopardize my identity if it hasnt been jeopardized. Please help me keep my identity protected by updating the address correctly on my credit report. The information below is the only personal information that should be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

15 U.S.C. 1681 604 A section 2. It also states a consumer reporting agency can not furnish a account without written instructions. 

Account have either been Paid in full or state inaccurate dates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, XXXX, XXXX AND EXPERIAN. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

We have a Mastercard through SallieMae and have paid much more than the minimum payment well before the due date. Our credit limit on this card is {$3500.00}. We last used the card on Monday, XX/XX/2021 for {$38.00}. Shortly after we tried to use the card for a {$9.00} purchase and the card was declined. I immediately logged on and saw there should have been over {$600.00} available. I tried calling the company and received messages that they were closed until XX/XX/2021. 

Our account not only showed an available balance of over {$600.00}, but it also showed two recent payments : {$400.00} posted on XX/XX/2021, and {$200.00} posted on XX/XX/2021. Both of these payments cleared our bank immediately. 

When I finally was able to reach a human at SallieMae, he clearly saw the payments and said although they showed " posted '' they would not actually be applied to our account for 7 days!!! Is this so they can capture the float on those funds??? Each day I have been checking the account for any activity by SallieMae and finally this morning, XX/XX/2021, the {$400.00} payment was processed. The {$200.00} payment has not been processed at the writing of this complaint. I never received an explanation why the card was frozen when it clearly showed available funds on the account. 

We find this process absolutely unacceptable for the consumer. It would be understandable if this was an old-fashioned process of checks being written and mailed and SallieMae needed to hold the posting to the account until the checks cleared, but this is all electronic bank-to-bank transactions!!!

I would like a full explanation why this bank requires 7 full days to process a bank-to-bank transaction yet posts the payments to the account while still holding the payment.
Product: Mortgage

I paid my property taxes in full but was informed that my mortgage company ( HarborOne ) had escrow and were supposed to deal with it. I've requested several times for someone to figure this situation out as I believe I may be owed money. I have been placed on hold for an extensive time, I've been told to go to someone in the mortgage department, which I did. then i was told by that person to go to the mortgage service center ( the same place I've been put on hold ). People are kicking this issue around and I'm not happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, Equifax, and XX/XX/XXXX with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Wells Fargo foreclosed on our home loan in 2013. I feel we qualify for the lawsuit. We were sent a letter and told we didnt have to make payments during the forbearance process and then we were foreclosed and forced to due a short sale.
Product: Credit reporting or other personal consumer reports

last year my wallet was stolen when i went inside to grab my child from daycare it contained my drivers license and my social security card so i know for a fact that my identity was stolen and credit cards getting applied in my name i have proof when i went in the XXXX and social secuity administrtion to grab new documents because they was stolen i even filed a police report but i was not able to recieve any help because the daycare didnt have any cameras so they was not able to find out who did it i cant buy a home like i wanted and i cant apply for a morgage because my credit score is terrible.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was diagnosed with XXXX in XX/XX/XXXX. The following year I fell behind on some of my debt. As soon as I was able to function again I contacted all of my creditor including Citibank to explain my situation and brought my account current. this month for the 2nd time they are calling for payment which I show is paid. They are unreasonable and rude and tell me that I did not log into my account to pay although my notes say I did. I am not so broke that I look at my account each day to ensure that payments are made. I deduct them from my balance as soon as I pay them and I note the statement. I am so tired by being treated so rudely by the people that tell me they can see every login and that I am lying and now I owe these additional fees. Keep in mind that if I really had no made the payment as of today I would be only 8 days late. They tried to strongarm me into giving my authorization to charge my credit card before I even had a chance to verify what they were saying. Then when I called in the lady was completely rude and basically told me I was lying because she could not see my log in on XX/XX/XXXX when I noted that I made my XX/XX/XXXX payment. I could have file bankruptcy and not have recovered and went back to work but have had to deal with this type of abuse. it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act National Credit Systems 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 violates 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had opened up a fraudulent dispute with Chase Credit Card Services on XX/XX/XXXX for a number of transactions that I did not authorize from XX/XX/XXXX-XX/XX/XXXX and also there were some transactions dated back to XX/XX/XXXX when my card was used without my permission. My card was not in my possession from XXXX-XX/XX/XXXX and neither at the time of XXXX-XX/XX/XXXX when it was used. Chase card services took almost 2.5 months to come back with a resolution and finally when they did, they selected a few transactions and mentioned that those will not be my responsibility whereas a bunch of others would be. I contacted Chase Fraud Recovery to challenge that, since that was not right and I should not owe this amount. They went back and reinvestigated and in 2 days made the same decision. They have never provided me receipts or backups to state what made them come to the conculsion. The decision was made solely on the scenario that since the card was used locally I was responsible for those transactions. I have since then tried contacting Chase Fraud Recovery for atleast 5 days without any luck. I want to get this matter resolved but Chase is not helping me, and they sent a letter stating that was the final decision and I owed them the money as per the card agreement and since I was in disagreement they notified the reporting agencies about that for the amount I owed
Product: Student loan

Navient has been calling multiple times a day harassing and threatening me. I would like them to stop calling, and I've asked them multiple times to stop. They have called everyday ( including weekends ) 8-10 times a day. 

They threaten to take legal action, contact my employer, and they have called my family members.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against Experian for its failure to conduct proper verification efforts to investigate disputes and validate the inaccuracies of information on my credit report. Despite my repeated attempts to correct erroneous information, Experian has consistently failed to address the discrepancies effectively. 

On numerous occasions, I have filed disputes with Experian in the morning, only to receive notifications later the same day claiming that the disputed information has been verified. This rapid turnaround raises serious concerns about the thoroughness and integrity of Experian 's investigation process. One glaring example of this negligence is the case of XXXX XXXX XXXX, which reportedly has none of my accurate personal information on file, including my address, phone number, email, name, or social security number. 

I have provided Experian with the necessary identification documents to rectify these inaccuracies, yet the discrepancies persist on my credit report. This blatant disregard for accuracy and compliance with federal regulations, including 15 USC 1681i and other relevant USC codes, is unacceptable and undermines the trust and reliability of Experian 's credit reporting services. 

Enclosed with this letter are copies of the supporting documents that substantiate my claims and highlight the discrepancies that Experian has failed to address. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for its negligent practices.