23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I realized 2 months ago that when I sent in my payment for the credit card bill with XXXX XXXX missed putting in the period and sent {$22000.00} instead of {$220.00}. I didnt realize it until I received my next statement from the company as my checking account is tied up with my investment account and I had the extra money in XXXX XXXX 

I called the credit card company and they said it would take 10-15 days to research it and get a check sent back to me. I complained and they had a manager get on and she agreed to speed the process up and have a check to me within 5 days. That was 45 days ago. I called again after getting my last statement which still showed the credit on the account. Again I was told that the check was going out. Finally, I received a statement with a XXXX balance but no checkI called again yesterday and they said that the check went out on XX/XX/XXXX. It is XX/XX/XXXX and the check didnt come in todays mail.
Product: Credit card

My Debit Visa Card was Declined twice to make purchases and make payments on my Orders. I always make sure I have sufficient funds which is always more that {$7000.00} to XXXX. 
I have never had any issues since I have opened an account in the XXXX. 
I have reached out to the Banks Representatives, ( Fraud Alert Department and the Branch Representatives ) None of them can give the right answers WHY, they have taken their time to Declined and Deactivate my Card
Product: Credit reporting or other personal consumer reports

REMOVE INMEDIATLY THESE FRAUDULENTS ACCOUNT TO EXPERIAN : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR XXXX TIME I MAKE FTC REPORT FOR BOTH ACCOUNT IS NO MINE, IS OPEN FRAUDULENTLY AND I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem, THE DONT PROVIDE TO ME ANY DOCUMENT UNDER MY NAME, THIS IS A VIOLATION TO MY RIGHT where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from the both company XXXX  XXXX XXXX and XXXX XXXX XXXX with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) XXXX XXXX XXXX XXXX XXXX XXXX  Dates that need to be updated to paid, never late. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct/update this inaccurate information on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

When I applied for the loan I got it and was told about other things that I would get from having the loan, such as a XXXX dollars gift card every month do to whatever or spend however, I have not received any gift card or any thing else and I'm paying XXXX dollars a month I haven't seen any of the perks they told me about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I noticed transunion and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. Transunion in more than one case sides with the corporation disregarding proof of error.
Product: Money transfers

In XX/XX/2017 the XXXX of our local community Foundation 501 ( c ) 3 asked me to determine a method where donations could be accepted by credit card. We contacted various vendors and discovered that PayPal offered a discounted rate for 501 ( c ) 3 organizations. We contacted PayPal and were told that we could have a link on our website where our members could key-in their credit card information and, after 90 days, we could get a PayPal Here card swipe to use at our events. We opened, tested and implemented the PayPal account and link to our bank account. 
We just passed our 90 days and requested a PayPal Here card swipe. After two days we received an email denying us. I placed a call today to determine the reason and was told that, based on the information in our application, we would never be provided a PayPal Here card swipe, but that " keyed in '' transactions would be accepted. Since they disclaimed they were recording the call, I also turned on a recorder. 
When I inquired as to " why '' we were being rejected, he simply stated that PayPal does not have to provide the reason for denying us this service. I asked who I could speak to and the supervisor stated : " Let me give you an address to our Legal Department. Hire an attorney and take us to Court ; only a Court can compel us to tell you why we are denying you. '' Possibly this supervisor is accurate ; PayPal can refuse service to anyone based on any manner of subjective or discriminatory reasons. I will wait your response to determine if this supervisor 's response is, in fact, accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account at Experian was hacked. The person altered at least my phone number, security questions, and either my user name or password. I received an email alert about the problem and have called Experian every day for several days. They keep telling me that my account has not been refreshed so they can't offer me another means of accessing and correcting my account. In the meantime, someone has access to all of my credit information ( which is already on an extended fraud alert ) which would be invaluable in perpetrating future fraud. Experian is offering me no access to my own information and no recourse to correct the situation.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom it May Concern : This letter is in response to my consumer report that I reviewed and notice some discrepancies that are in questioned. Please note that this is not a refusal to pay but a request for VALIDATION of the alleged debt you claim I owe. 
This is NOT a request for verification or proof of my mailing address but a request for VALIDATION made pursuit to 15 USC 1692g. Im respectfully request that your office provides me with competent evidence that I have legal obligation to pay you regarding the following account number : XXXX Please provide me with information on the following questions : Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a XXXX of XXXX? 
Can you provide me with a Bill of assignment? 
Was this alleged debt assigned or was it bought? 
Has insurance been filed for this account? 
Has a XXXX been filed for this account? 
Provide a license to collect in the State of Louisiana.

Provide your Errors and Omissions insurance.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 XXXX in the middle of the night while I was asleep, there was a log in to my Paypal account from a device Paypal did not recognize ( as indicated by their alert email to me ). There were 2 test transactions that deposited and withdrew funds from my account at  XXXX, then proceeded with taking funds from my bank account linked to Paypal at XXXX and XXXX both were NOT done by me and NOT from my computer. These transactions were {$1800.00} & {$2400.00}. I have no prior transactions over {$500.00}. By XXXX upon logging into my email and learning about the security breach, I contacted Paypal via chat. Paypal has no phone number available to call. I filed resolution with Paypal, but Paypal insisted these were authorized transactions and consistent with my payment history and denied reversing the charges. I filed appeal again with Paypal and  they again insisted those charges were authorized. I have since filed a police report with my city ( ase number XXXX ). Paypal breached my account security and allowed money to be stolen from my account. I want Paypal to reverse my these charges and restore my account rights.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and some accounts on my credit report are incomplete, inaccurate which is a violation of USC 1681e ( b ) I've filed complaint about the below consumers below and it shows that Experian, XXXX, and XXXX continues to ignore my complaints. I'm not liable for this debt with : XXXX. XXXX XXXX XXXX XXXX- {$2000.00} - Date Opened XX/XX/XXXX Not mine2. XXXXXXXX XXXX XXXXXXXX - Account XXXX - {$1100.00}, Date Opened XX/XX/XXXX Negative ( Old ) Past 7 years Not mine XXXX. XXXX XXXX Account XXXX {$22000.00} Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} has showing as a negative on my credit report. 
I did not have a contract with the collection agencies Experian, XXXX, or XXXX. They did not provide me with a original contract as requested on numerous occasions. 
Correction to my credit report is needed ASAP! I DEMAND these accounts be removed from my credit report. I will have my attorney contact each credit agency for scamming me and causing me hardship due to their bad and risky behaviors. I've already tried to fix the problems with each credit bureau for improper use of my credit report. In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy under XXXX XXXX XXXX. Neither credit reporting agency listed above have provided me with the investigators names as to who investigated my complaints previously. They have only caused me more hardship by ignoring my complaints and not answering my previous questions and providing evidence in their practices They have not provided me with a written letter where I signed giving neither credit bureau my written consent to place any items on my credit report Neither how they come up with accurately of items in which they have listed on my credit reports? I have been waiting for 5 months and have not received written response to my questions.DEMAND DELETION of ALL accounts listed with 14 days. TO include removal of names that are not mine that I have requested removal of for over 5 months. I do not want any items that I do not give consent to either credit reporting agency to be placed on my credit report!! I have made every effort to resolve inaccurate, inconsistent, and untimely reporting of items placed on my credit report. Due to the negligent behavior practices of the credit reporting agencies this has caused me hardship, stress, and burden to my family which has left me unable to provide housing for my family, unable to provide dependable transportation for work, unable to get medical care that my family is in need of, I am unable to get credit cards, credit and this has taken a tole on my families day-to-day living because of inaccurate items and names and addresses placed on my credit report.!!!! My name should list as XXXX XXXX, Only address should be XXXX Mt XXXX XXXX, XXXX, AL XXXX. I want ALL items removed as I have tried for over 5 months to cooperate and have the negative items removed from my credit report which have violated my rights to privacy and violation of the Fair Credit Reporting ACT XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I am writing to formally dispute the inaccurate payment history for my XXXX XXXX XXXX account ( Account Number : XXXX ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which allows consumers to dispute inaccurate information in their credit reports. 

Account Details : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Nature of Dispute : The payment history for this account indicates that I had late payments during XXXX and XX/XX/XXXX. However, this information is inaccurate, as the account was in deferment during that time. Therefore, there should be no record of late payments for those months. 

Requested Action : I request that you immediately correct the payment history for this account to reflect that there were no late payments during the specified period. If these inaccuracies can not be corrected, I ask for the complete removal of this account from my credit report, as it does not accurately represent my payment history. 
Please provide me with the results of your investigation as required by 15 U.S.C. 1681i. Additionally, I request a corrected copy of my credit report reflecting any changes made.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

They just closed my account for no reason this was years ago and I was receiving my SSI benefits
Product: Credit reporting or other personal consumer reports

I sent Jefferson Capital Systems LCC a letter via mail in XXXX for them to verify the debt belonging to me. I requested that they verify the debt, verify proof of assignment, a breakdown of the debt & verification of of my authorization and signature. They have failed to do provide any of this information and are still reporting as a debt on my credit report. I have no idea where this information is from as I have never rendered these services. The debt is not mine!
Product: Credit reporting or other personal consumer reports

XXXX  Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - 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, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

My loans from Solar Mosaic have been requested to be canceled by their partner, XXXX XXXX XXXX, as the work was not completed. XXXX XXXX XXXX has requested that my loans be canceled. However, Solar Mosaic , Inc. continues to collect payments on XXXX XXXX XXXX XXXX XXXX I was notified that if a payment is more than 15 days late, I'll be charged a late fee of 5 % of the amount due or {$10.00}, whichever is less. 

These loans need to be canceled as XXXX XXXX XXXX did not complete the home improvement project and has sent an email to Solar Mosaic requesting the cancellation of the loans.
Product: Credit reporting or other personal consumer reports

I found some incorrect accounts listed on my credit report today, and I don't understand why. When I reviewed my report, as I usually do, I was surprised to see errors that hadn't been there before. I attempted to refresh the page, hoping it was a minor technical issue, but the inaccuracies persisted. Therefore, I kindly ask that my submitted documents be carefully examined so that I can have peace of mind moving forward.
Product: Payday loan, title loan, personal loan, or advance loan

They have been having technical issues since XX/XX/year>. It it still not fixed. I am unable to see my balance or make payments online. I spoke to a representative and they do not have a timeline on the fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXXat XXXX I recieved a call from XXXX at Wells Fargo Dealer Services from the number of XXXX XXXX XXXX. He was asking when I would be making my XX/XX/XXXX payment because I was close to going 30 days past due. I explained again that I was not able to pay until XX/XX/XXXXbecause of unexpected medical expenses. I explained that I would be making the payment of {$380.00} online on He offered me some assistance in the form of a " due date change ''. He said that if I made the payment of {$380.00} by XX/XX/XXXX I could call or go online and request a due date change and move my next due date until XX/XX/XXXX. He explained that I would be moved out of a past due status and would n't be paste due any longer. I would start fresh and be current in XX/XX/XXXX. As promised, I make the payment online on XX/XX/XXXX. On XX/XX/XXXX i went back to the website after the payment had posted to request the due date change XXXX had offered me. It gave me # ' s XXXX to choose. I selected XXXX and clicked submit. They system showed my next due date as XX/XX/XXXX. I was confused because I was told me next due date would be XX/XX/XXXX. I called back to clarify. XXXX answered thephone and I expressed my concern. I asked why my next due date was showing XX/XX/XXXX and not XX/XX/XXXX as I was promised. He explained the due date change process and I assumed assured him that was NOT what offered to me. I was n't being offered ANY assistance at all, just making my account less days past due. I told XXXX that I felt he was very deceptive on our first phone call on XX/XX/XXXX. I specifically asked if I would no longer be past due, and he said yes! We ended the call with no resolution and I feel very manipulated and deceived by Wells Fargo Dealer Services.
Product: Checking or savings account

I received a targeted email that was sent to me about a week after I closed my old Ally XXXX account. It said that if I open a new Ally XXXX account I would receive a {$100.00} bonus for setting up a recurring deposits for 3 months. I completed the deposit requirement for 3 months. I sent Ally an email asking when I would receive the {$100.00} bonus. They sent a message back saying based on the terms and conditions I do not qualify for the bonus. The terms and conditions are very clear, it says you need a new account to qualify ... ... which I did create a new account with a new account number since my old account had been closed. It's disappointing considering : XXXX ) I received a targeted email asking me to come back and open another account shortly after closing my first account XXXX ) I completed all requirements per the terms and conditions XXXX ) I saved the terms and conditions, which I provided them, and I clearly did everything required. 

I did everything required in the terms and conditions of the offer. Nowhere within the offer does it say you need to be a new customer. It only says you need to create a new account. Which again, I did create a new account and was issued a new account number. I was specifically targeted for this offer XXXX week after closing my old account... .clearly I was meant to receive this offer to try and retain myself as a customer.
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also I have observed discrepancies in the reporting of the same account by XXXX and Experian. XXXX lists the account status as open, while Experian reports it as closed. This conflicting information is causing confusion and potentially impacting my credit score unfairly.

Furthermore, there are discrepancies in the last activity dates reported by XXXX and Experian for the same account. XXXX 's last activity date is listed as XX/XX/XXXX, which appears to have been re-dated, while Experian shows the last activity date as XX/XX/XXXX. These inconsistencies raise concerns about the accuracy and reliability of the information being reported by XXXX XXXX.