23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I purchased a used XXXX on ebay. I 've made hundreds of purchases and sales on ebay and most of them used PayPal. This time was no different. Except when I got my credit card statement, they had processed it as a cash advance. I incurred fees and interest. It was not a cash advance. I called PayPal to tell them of the error. The customer service person told me it was my credit card company 's fault. I called them and they said the code that PayPal used to process the transaction was why it was billed as a cash advance, something my credit card company ( XXXX ) did n't have control over. So I had to call PayPal back. After escalating through a customer service agent and his supervior in the XXXX, I finally got " XXXX '' ( employee ID XXXX ) at PayPal. He claimed PayPal had no responsibility or control over how they encoded the transaction, saying it was up to the the PayPal user to configure what type of account they had. I think this is unfair. It cost me over XXXX hours of my time to get my fees refunded by the credit card company who did it as a customer service, even though they had done nothing wrong. PayPal took no responsibility and offered no compensation to me for an error they could prevent if they controlled their user 's PayPal accounts better. They should n't allow credit cards that are used to purchase goods on Ebay to be billed or coded as cash advances. I used to trust PayPal. Not so much anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX XXXX 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

My name is XXXX XXXX XXXX I do not have any other names or aliases, and I do not wish to disclose ANY other names or aliases. Unless you can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. 
My current unique address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Unless you can produce or present to me your legitimate AUTHORITY to retain these on my credit report. Otherwise, you are infringing my consumer rights. 
I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these Employers I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. Otherwise you are infringing myconsumer rights. 
I DO NOT give you Authorization to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Recording my social security number in my credit report could potentially cause security issues and may lead to IDENTITY THEFT. 
Please DELETE ANY social security numbers from my consumer credit report. 
My date of birth is XX/XX/1988. I do NOT have any OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported on my credit report. Therefore, if ANY Dates of Birth exist DELETE IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain this on my credit report otherwise you are infringing my consumer rights. 

Thank you in advance for complying with my wishes. I would like an updated version of my corrected profile as soon as I you resolved the inaccuracies listed above.
Product: Mortgage

Pacific Union XXXX County Clerk XXXX FL Police have responded to my house 25 times in past 2 years regarding fraudulent wellness checks by co borrowers parent. 

I was threatened and told to sell house by police and co borrowers parent. 

My house was put up for sale fraudulently without my signature. Police arrested me on false charges. The police officer XXXX laughed about how Id be held on no bond and my house would be sold before I got out of jail. 

DA signed formal charges same day they supposedly recorded a deposition with alleged victim but wouldnt produce it to courts. 

I asked for expedited trial and they dropped charges right away. 

But co borrowers parent still got my 401k and my account balance.
Product: Debt collection

I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The balance currently being reported is inaccurate and potentially unlawful. Per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Bank account or service

Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.
Product: Credit card

I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification under federal law asking XXXX, Equifax and XXXX  to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.
Product: Payday loan, title loan, or personal loan

I deposited XXXX loan check through XXXX XXXX Texas Bank of America atm for {$1000.00}. The check was put on hold and Im unable to access money. The day of XX/XX/XXXX. The hold states it will be released the day of XX/XX/XXXX. This is unacceptable as I have pending bills. I would like to submit complaint on this hold procedures for Bank of America and will be searching for another financial institution.
Product: Credit reporting or other personal consumer reports

I find it very frustrating that Experian continues to ignore my requests and doesnt care to actually verify ANYTHING. I check my Experian credit report often. They just responded to my most recent complaint with the cfpb stating the account is not on the credit report, when it CLEARLY is. This proves my point that Experian does not verify or actually investigate these disputes. I have been reaching out to Experian and this is unlawful to post about me. How can they say it is not on my report when it is clearly there shown as a charge off? They probably did not read the letter. This has caused me a lot of XXXX and XXXX which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to this derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being XXXX of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute. 

I demand Experian to remove these accounts from my consumer report as they do not meet whatsoever the standards or I will be forced to file LITIGATION against them for furnishing false and inaccurate accounts on my credit report.
Product: Credit card

Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They have added numerous of collections form the same company which dont know anything about
Product: Credit card or prepaid card

There were multiple charges from " XXXX '' on the XXXX XXXX ( which Chase converted to a XXXX card despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. 

The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. 

Additional documentation can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XXXX of 2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
Product: Credit card or prepaid card

Key bank froze my account for a purchase I made of XXXX XXXX Its been a week of me calling, messaging and emailing and I've gotten no help I've spoke to a supervisor who told me to just cross my fingers that I don't get disconnected agian. It takes 1 hour 45 min to get to a live person then they transferr me and within 40 min the line disconnects This has happened 15 different times. I don't know what to do. I want my money transferred out of key bank and put into my other bank. I don't see how this is legal to. Hold someone's money and offer no help. Please help me
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : {$260.00} XXXX Account number : XXXX Balance : {$180.00} XXXX Account number : XXXX Balance : {$56.00} XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$260.00} XXXX  XXXX Account number : XXXX Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

Someone has gotten a hold of my password on XXXX XXXX and made over XXXX inquiries on that and other websites which lowered my credit score to below XXXX and now a XXXX credit score without my permission nor permission to use my XXXX XXXX app. to inquire about a car loan, loans, or to apply for some services which lowered my credit score from what it once was XXXX. 

Also, I am having trouble unfreezing my credit report perhaps on XXXX because I do not have access to my old XXXX email addresses. 

My updated information is : Home address XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX Mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX Telephone : XXXX XXXX Email address : XXXX XXXX
Product: Debt collection

Please see complaint XXXX. The company 's response is erroneous in a few ways : 1. They never address my concern which was repeated calls ( 3x in one day ) which violate the FCRA. Please address this concern immediately. Violations of the FCRA result in fines payable. 

2. This debt is not mine. Please correct your records. There is no history of this on my credit report ; you are contacting the incorrect person. I apologize for your poor recordkeeping. Stop. Calling. Me.
Product: Debt or credit management

I was working with 60-day credit repair for more than 90 days to get a credit boost when I decided to cancel due to no chance to my credit. I reached out several times to cancel this membership/ charge. After a year later after I canceled this service I received a bill for {$1500.00}. No change to my credit has been taken.
Product: Debt collection

I did not authorize this account, nor did I benefit from them. I spoke to the original creditors by phone and the info they submitted to me does not match the info that this collection agency is furnishing. This is a violation of FDCPA. Under 15 USC 1692 I can seek {$1000.00} per violation. I am giving this agency one chance to remove this unverified info from my credit reports or I will seek litigation.