23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Here is the complaint I submitted to PayPal  and their response : Hi! I'm your PayPal Assistant. To get started, simply ask me a question.

I am still learning, so if I can't help you, I'll direct you to additional resources. 
XXXX XXXX - PayPal Assistant Pay in 4 messages XXXX XXXX Are you contacting us about this topic : Pay in installments? 
XXXX XXXX - PayPal Assistant Yes XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type need more help ''. 

What is Pay in 4? 
Questions about Pay in 4 repayments How do I send money? 
XXXX XXXX - PayPal Assistant Need more help XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX - PayPal Assistant XXXX XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX - PayPal Assistant Your file has been uploaded. 

XXXX ... XXXX / XXXX I received this text before XXXX XXXX. This is not acceptable. Adjust the system to message me between XXXX cst XXXX XXXX MA Hi XXXX, this is XXXX. I can see that you contacted us about the message you received. Id love to help you with that. 
I apologize as we currently have an issue about viewing documents you sent. 
Please tell me more about the text message you received. Send me a message if you need more help. I'll keep this thread open for you. 
XXXX XXXX - Ma XXXX XXXX are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

I received a payment reminder at XXXX cst. That is a problem. Fix the system to send messages during the government specific times. 
XXXX XXXX ME I hope you are having beautiful day today. I certainly understand your concern. I am here to check and provide various options to get this done and thanks for taking your valuable time to reach us. 
This is in response to your message XXXX. So sorry for the inconvenience that this message has caused you. During the time that you added your phone you have agreed to receive text messages from PayPal regarding your account. Just to inform that PayPal operates 24 hours and we don '' t have the control over the system. 
Thank you for contacting PayPal and for being a valued customer. Im glad I was able to answer all your questions. You may close the conversation by selecting End Message or by clicking " x ''. 
XXXX XXXX - XXXX XXXX
Product: Mortgage

Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?
Product: Credit card or prepaid card

PayPal XXXX XXXX XXXX XXXX  on XX/XX/2022, spoke with XXXX. 

XXXX XXXX Can not add my XXXX account due to being on another XXXX account. Stated I have no other XXXX account under any other email address that Im aware of. 

Transferred to supervisor XXXX. She refused to remove the bank account on the other account that they had associated with my account, telling me to contact my bank instead. They refused to remove my bank account information from another account, supposedly with my name on it, and after I verified several email accounts that any other account might be associated, she started to cut me off from verifying more email addresses I thought of. Her solution was for me to contact my bank and tell them to refuse any more transactions from PayPal. I told them that would result in wanting to re-issue my checking account information and that was not an acceptable solution. Again, the supervisor refused to help me, referring me to my bank. 

I only have one checking account in use with PayPal and one PayPal account that I am aware of. The refusal to remove my verified bank account information from an unknown account puts my funds in danger of being fraudulently withdrawn from my account, making the only way for PayPal to do anything about the situation is after the situation has already gotten worse. This is unacceptable. 

Because of this, I have been denied the ability to transfer {$170.00} from my PayPal account to my personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 : XXXX XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I bought a home and had the mortgage threw Chase Mortgage. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that Chase continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and Chase Mortgage directly multiple times and have been ignored every time.
Product: Credit reporting or other personal consumer reports

I applied for a loan with Affirm in XX/XX/year> for {$2500.00} to purchase XXXX XXXX XXXX XXXX from XXXX online. Several days later I still had not received the tickets, so I inquired with XXXX again and they informed me that the loan did not go thru in time, so the tickets were sold to someone else, and I did not have tickets. I reached out to Affirm via phone and explained the situation and they stated that the loan information would be updated after communication between XXXX and Affirm was updated. I ended up purchasing tickets thru another online ticketing site and used XXXX XXXX to complete that purchase successfully. 

A few weeks later, I noticed the Affirm information had not fell off my credit report, so I reached out again via phone. I was told that I needed to get written confirmation from XXXX stating that the ticket sale never went thru. I was able to confirm that with XXXX and provided it back to Affirm, however they would not accept it & continued to say that I owed the money ( for a product I NEVER received ). I have continued to dispute this charge/loan thru Affirm, and thru XXXX but it has not been removed to date. I never received a product, therefore there is no loan. If XXXX received money from Affirm and did not return it, that is not on me, but I never received anything at all from either company and want this off my credit report immediately.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried for 3 days in a row ( XX/XX/XXXX thru XX/XX/XXXX ) to access either web site or a customer service person for Equifax to put freeze on credit account. Equifax website continually gives " error '' message and phone calls are never answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great XXXX and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit card

I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account. 
I am requesting that the accounts be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing these accounts ( XXXX & XXXX ) which I did not open.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # 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. 1681s-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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.
Product: Credit card or prepaid card

I have made over {$1000.00} in payments since 2018 but I cant use my card it shows a {$0.00} availability. I did not close my account and I have made my payments on time. What is going on?
Product: Debt collection

Reference # XXXX {$450.00} ( Original Creditor : Progressive ) NOTICE OF DISPUTE To : Credit Collection Service I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Debt collection

For two years I have been trying to get Capital One and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. Now, capital one is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. HOW!?!?! XXXX  and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either. As far as capital one, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX  and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

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

Sent in a dispute to Transunion for a missed payment as they show my last payment as in XXXX of XXXX, when I didn't miss a payment, they response was acciunt informationwas accurate. I paid off the account and again they showed last payment was in XXXX of XXXX response was that the investigation showed thier information was accurate. 
INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pay Status Current ; Paid or Paying as Agreed Terms {$470.00} per month, paid Monthly for 72 months Last Payment Date XX/XX/XXXX This was thier response on XX/XX/XXXX File ID XXXX. 
I checked my XXXX report and it showed it accurate as paid and closed. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Transunion has repeatedly reported wrong information and every time I ask for a correction they send me a reply saying they checked with the creditors and the information was accurate. As of today XX/XX/XXXX Transunion still has the account as open with a {$17000.00} balance. 
It's like they didn't really look into it and just sent a reply thinking I would just back off.