23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear XXXX, Attached with this complaint is a copy of the email that I received from paypal stating they have my unclaimed funds. I ca n't access my paypal account because my phone number has changed so I am unable to receive the passcode on my new phone. I have contacted paypal several times and explained my problem but they are not helping me nor they are releasing my funds. I am contacting you to help me retrieve my funds from paypal. Please advise paypal to send me a check of my funds to the address below. Your help in this matter is greatly appreciated. If you have any questions, please feel free to contact me at the address below. 
Thank you, XXXX XXXX XXXX, ca XXXX email : XXXXXXXXXXXX paypal account number XXXX phn # XXXX
Product: Money transfer, virtual currency, or money service

I was trying to purchase concert tickets from a Venue ( XXXX XXXX, XXXX, MA ). There was an individual who was selling tickets on the Theatre 's web site. I contacted this person and had an exchange via XXXX  messaging. They asked that I send the money Via Pay Pal ( {$80.00} ). I sent the money. They disappeared and have ceased all contact, and the money was transferred. I filed a complaint with Pay Pal and they said I authorized the charge so there is no resolution for me. I did not receive the goods. What recourse can I take. I have the persons email, XXXX  and the messages pertaining to this transaction. Help. I thought if I went through PayPal my purchase would be protected, apparently not. 

Case Id from PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. 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 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 Transunion. 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 XXXX remove the accounts and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to XXXX, XXXX and Transunion to dispute inaccurate account information. In accordance with 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies were to note that the accounts were under dispute. They did not change the account status. They violated the law.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit. I want these inquiries deleted. 

JPMCB Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 Bank XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint in XX/XX/XXXX. In regard to my Credit Protection Disability Insurance Plan cancel by Capital One. 

I am writing to appeal the decision of my claim # XXXX, the date of service XX/XX/XXXX. This in regards to the Capital One cancel my plan. Capita One need to correct/ reinstate my protection plan. It was my understanding when I call to activate the Insurance Plan it was cancel by Capital One without my knowledge. Furthermore, due to my research Capital One decided, to start cancellation on their preexisting client in XX/XX/XXXX. I did not receive notification of any cancellation. Apparently, this need to be resolve and corrected. I respectfully ask you to reprocess my complaint to find a resolution regarding this matter. 

Secondly, I did receive a reply for Capital One, in XX/XX/XXXX, they did not address the issues in regards to my Protection Plan being cancel. Only to stated that they found all charges on my Credit Card to be correct. My complaint was not related to charges made. My complaint was due to cancellation of my Credit Card Disability Plan Insurance. I needed to activate plan, due to my unexpected Medical Health Issues that cause me to be terminated. Thank your for your reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a free credit protection monitoring through Experian ; due to fraud that I experienced. 
On XX/XX/XXXX they automatically withdrew {$27.00} from my checking account. I tried to email and go online to cancel. I tried calling with hours long wait times. 
Again I was charged XX/XX/XXXX for {$27.00}. I called and called. I have been hung up on each time I attempted to cancel. 
I can not conceive why a credit reporting would re victimize consumers who were already been through the ringer. 
Please ADVISE AS TO HOW I CAN ATOP THIS.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : Equifax reports a 30-day late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a 30-day late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a 30-day late payment despite showing no late payments in the detailed two-year payment history.

These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The 30-day late payments reported by Equifax and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. Equifax has failed to investigate and correct the disputed information.

15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired Resolution Immediate removal of the inaccurate late

payment notation from my credit report. Written confirmation of the correction. Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Aspen collections is attempted to collect a debt that I do not owe. The original company in question is XXXX XXXX in which the account was fraudulent. The account was cancelled within the reasonable time of 30 days, but XXXX never cancelled it. The account was sold to Aspen collections in 2014. Aspen collections has added an unjustly charge each month of up to {$13.00} in order to keep the account active. None of this is owed. The account started out at {$3500.00} and has risen to {$4600.00} with these added charges.
Product: Credit card

I have written to Exxon, Citi, XXXX  in XXXX XXXX, XXXX  and informed them of the fraudulent charges on the Exxon mobile credit card. I did not make the charges.

When I made purchases at Exxon, they were for {$10.00} or less. The highest purchase was for {$50.00} plus. 

I closed the account because someone was using new credit cards that I had not received in the mail. Exxon and Citi are not paying attention to details regarding this scam on the Exxon credit card. I closed the account because Exxon was not taking charge and handling my scam issues.

I have given Exxon all the information on the account which you will see in the attachment. I am getting nowhere with them in getting the charges dropped which I did not make. 

I want this dispute resolved in my favor. I am a citizen who is XXXX  years of age. 
I did not make any of the charges. 

I have never let anyone use the credit card or gave out the credit number.
Product: Credit reporting or other personal consumer reports

Less than a week ago Round Point Mortgage reported me 30 days late for XX/XX/year>. Besides the fact that we are now in XXXX, this reporting is incorrect. I did make my XXXX payment in the month of XXXX, I also have a confirmation email from the lender that confirms my payment was made in XXXX. However becouse of the XXXX XXXX XXXX the payment was drafter on XX/XX/XXXX, because of this they reported me delinquent. This is absurd, as in any financial institution the payments posting date is always the date the payment was made not when it was debited from the account. I am currently refinancing one of my properties and because of this erroneous reporting the lender advised us that they are denying my refinance. This is a huge problem as I am loosing my locked rate and my deposit. Please help as soon as possible!
Product: Mortgage

I received a letter from Shellpoint Mortgage Servicing informing me that my previous mortgage lender sold my mortgage to " XXXX XXXX, XXXX '' in XXXX Maryland and that XXXX XXXX has hired Shellpoint to service the loan. There is no working phone number for either. I called the number on the letter and it just rings for a long time and then stops. I've tried multiple times. I tried to contact XXXX XXXX but it goes straight to a voicemail, no return call. How is it possible to have literally no way at all to contact someone for help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB. I am writing to file a complaint against Equifax. Equifax is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to Equifax on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

The letter is formal notice that Equifax has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts within 15 days. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the USPS tracking showing a delivery receipt on XX/XX/23 to Equifax. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to Equifax on XX/XX/23 and tracking asking that these accounts be deleted due to Equifax not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below five accounts from my credit report with Equifax bearing my social security number. The five accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

capitol one is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
capitol clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. captitol one also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

Sallie Mae is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes XXXX days to reflect. It reflected after XXXX and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

you wrote to me this bull. for complaint XXXX-XXXX Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please note, the address that you have provided is not reporting on your Equifax Credit File and correspondence is not able to be sent to you until we are able to confirm your current mailing address. In order to update your mailing address please provide one of the following documents in order to update your mailing address : you have my address same address for 40 years here is my address from your latest report you sent me this is what you are getting for proof of address and thats all you are getting this is my address the same that XXXX  AND XXXX HAS so do you no need to update address
Product: Checking or savings account

On XX/XX/2020 I deposited a stimulus check that I received from XXXX. The amount of the check was {$1200.00}. I purchased a money order in the amount of {$200.00} to pay my Tithes. Please advise if you need a copy of the money order. I transferred {$500.00} into my saving account ending with XXXX. I was told by the bank the savings account closed automatically, because it wasn't being used Because I inquired about those transactions, the accounts were closed. New accounts were opened.