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

On XX/XX/year>, I received the email saying I have a negative balance from PayPal. 
On XX/XX/year>, I called PayPal to find out why. I have been told that transaction on XX/XX/XXXX did note went thru dure to NSFR error from XXXX  XXXX XXXX. 
On XX/XX/year>, I initiated a 3 way call, where were present me, my husband, PayPal representative and XXXX XXXX  XXXX representative. 
during the call XXXX  XXXX XXXX confirmed they have sent the money and provide transaction id for PayPal.

We also found that on XX/XX/XXXX there were XXXX separate transactions on the XXXX  XXXX XXXX site, but only one on Paypal. Paypal recognized one transition but was unable to tell us with one he recognizes. We requested additional information that should be provided by today.

PayPal also accepted the loss prevention claim during the 3-way call, but as soon as XXXX XXXX XXXXXXXX dropped the line, they continue to tell I own the money even they receive a confirmation they received it.

Today I contacted a chat with PayPal and they were unable to provide requested documentation.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX {$4500.00}
Product: Bank account or service

Dear CFPB, Compass Bank has manipulated the dates of the transactions that are the subject of my original Submission, case # XXXX. Those transactions took place over the course of many months during XXXX on the account ending in XXXX. NOT in XXXX XXXX as the letters that came in the mail suggest ( attached ). The bank closed that account because of the fraudulent activity and opened the new account ending in XXXX. My original submission shows all of the activity and the dates. I 've also attached a dated copy of some of those fraudulent withdrawals. My original submission shows that Compass Bank admitted the transactions were their errors. After disputing those transactions Compass Bank reimbursed my account {$130.00} and I never heard anything else from them about the remaining amount due to me. Since then, In one year Compass Bank has inappropriately charged my account {$5100.00} in NSF and OD fees. I have attached all new correspondence with Compass Bank. I drained my savings account trying to keep these NSF and OD fees from growing even more out of control. A family member told me about Consumer Financial Protection Bureau. That is when I contacted You for help. I stopped using the account because it had already been charged more fees and was in the negative again ( - {$890.00} ). 
After CFPB contacted Compass Bank they make it look like they are reimbursing the money that was owed to me from XXXX. When in fact all they did was reduce the amount of inappropriate NSF and OD charges that were caused by them not having returned my money at the time of my dispute in XXXX. The only thing this money did was put my balance to {$0.00}. I really was n't reimbursed at all. They have now changed the date of those original unauthorized debits to XXXX XXXX, XXXX in order to confuse the situation and get out of reimbursing the {$5100.00} in NSF and OD fees taken since XXXX of XXXX. Then they closed my account. 
In the letters that I received from Compass Bank, they changed the dates of those errors from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Therefore they investigated the NSF and OD fees that occurred since XXXX XXXX, XXXX and sent me a check for {$42.00} and said this case was closed. 
This is blatant theft and I want all of the NSF and OD fees and the unauthorized debits that they have taken from me beginning XXXX of XXXX and I want it back in the same order that they took it from me. I want {$5100.00} that I was charged for nonsufficient funds and overdraft fees. Then I want the unauthorized debits that they took in XXXX - XXXX. 
Please help me recover all monies that Compass Bank took from me. Please do n't let them get away with this. I am an old woman that lives on a fixed income. The money that Compass Bank took from me was inappropriate. 
I am asking for your continued support in helping me recover all of the money that Compass Bank inappropriately took from me. 
Thank You,
Product: Debt collection

Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number
Product: Credit card or prepaid card

On XX/XX/2023 I contacted EDD to ask for another card to be sent out because I never got my first one and I should have benefits on it waiting, when I told them they they notified me that my card was sent out and activated, they said that I would need to contact Bank of America and file a complete claim with them for fraud and let them know that I never got my card and never used any benefits off of it. On XX/XX/2023 I was finally able to get in contact with Bank of America, I filed the claim with them and mentioned regulation E for at least my provisional credit and they told me it can take up to 10 days for it to be approved instead of actually taking their time to go through with my dispute they denied me on the 10th day exactly so They wouldnt have to provide any type of credit. I filed a police report and everything and they wouldnt give me the email to send it to they just kept saying you have to send it through fax and I told them I dont have access to a fax machine and they basically told me oh well. I was denied today and I filed complaints with FTC FTCB ATTORNEY GENERAL ASSEMBLY MEMBER XXXX Filed complaint with BOA and now the Bank regulator
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Product: Debt collection

I received a letter from R.A. Rogers Inc dated XX/XX/XXXX. A collection that was placed by XXXX XXXX XXXX XXXX for a amount of XXXX. This is the only letter I have from R. A. Rogers Inc. This account appeared on my credit report without giving me 30 days to dispute a portion or all of the validity of this debt. The date on the letter is XX/XX/XXXX the date I got the alert about a new collection on XXXX XXXX was XX/XX/XXXX the actual date it was reported was XX/XX/XXXX.  It takes 30 days to appear on your report. How is this reporting fair. This collection is on my report before anything is verified.
Product: Credit card

I was phoned XX/XX/20XXXX XXXX by an individual claiming to be Discover Card and that I had 2 possible fraud purchases on my Discover. They claimed to be a firewall for the company and was verifying my card information. They knew my Credit card number expiration date, I verified the 3 digits on the back ( stupidly ). They knew my Banks name, routing number and my account number, my balance, and my social security number. They wanted to put protection on both my Discover card and my bank, and any other credit cards I had. They advised me to get on my computer, check my bank balance and and pull up the browser so they could add a firewall protection. Problem for them was I didnt know what a browser was or how to open it. They attempted to help me, by telling me to just type in I believe upstart on my computer. I cant remember the name of what I pulled up but I got a number XXXX they requested, then I noticed they had a pointer on my computer screen. I ask why I could see a pointer on my screen I was told they were trying to help me get into my browser. He ask I get at least 20 ft away from my computer because my phone was interfering with the process. I was also ask to find the IP address on my internet box. By this time I was getting aggravated and had been on the phone for quite some time. My husband came in and told me to hang up it was a fraud call, the fella on the phone XXXX XXXX? he was XXXX and I had problems understanding him was trying to get into the conversation to prolong my discontinue, saying he just needed 10 more minute and my verbal permission for the process and I discontinued the call. They did attempt to call me back. The number was XXXX. 
I have already reported to Discover and the account was closed. My bank closed out my account as well.
Product: Credit card

Apple Card has not reversed a disputed charge of {$560.00} from XXXX on XX/XX/2023. I have submitted documentation for the dispute and despite written communications with XXXX corporate customer support, I have not received a response. Due to lack of resolution from the merchant, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). It's concerning to hear that other Apple Card customers have faced similar issues with dispute resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX  XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a home refinance loan this summer because of a negative item on my credit report from XXXX XXXX XXXX. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of XXXX XXXX XXXX. Until that point, we had never even heard of XXXX XXXX XXXX. 

I have tried calling XXXX XXXX XXXX multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with Trans Union, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by Trans Union also. This was before talking to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX  The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refuses to grant me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Product: Debt collection

Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.
Product: Checking or savings account

Recently obtained a mortgage for {$800000.00} with Wells Fargo account. I told them at the time that ALL funds would be transferred out of my new account to fund the mortgage as it was the funds I needed for the loan. I personally went into the XXXX XXXX, CA location on XXXX XXXX XXXX to set up the account and experienced a young gentleman name, XXXX XXXX who asked a zillion and one questions as to what I was purchasing and doing with my money. Personally I told him it was non of his business as his voice was extremely loud and carried throughout the bank. He was so unprofessional when it came to doing business nor did he have any business sense in keeping peoples banking affairs on a confidential level. At that time, I told him the account was would be closed after the funds were transferred out as I did not want to hold a personal account with Wells Fargo. He was persistent with me and continued to ask. The more he asked the more upset I got. I told him I do banking with a local banker and very happy with my current situation. This transaction took place on XXXX XXXX, XXXX. Since then, Wells Fargo took it upon themselves to withdraw {$63.00} out of my XXXX. olds account who also we filed a complaint as his account was compromised by excessive fees. Again, typical of Wells Fargo and charging fees that are unnecessary to the consumer.
Product: Debt collection

I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at XXXX XXXX XXXX XXXX.
Product: Credit card

Capital One Venture X Card is fraudulently advertising XXXX XXXX as a benefit. Many like me are waiting months to register with no timeline or follow up on registration for XXXX XXXX XXXX. There is no work around solution and I have contacted both companies many times. The only answer is that its a known problem.
Product: Credit reporting or other personal consumer reports

these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley 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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was locked out of my Coinbase Account which funds still held within. Over a week later I 've still not managed to access my Account to purchase or withdraw anymore funds which I urgently need to do. I have tried to resolve directly with the company but still no luck. 

When logging in through the browser I get 'Sorry account temporarily disabled. Please contact support '. When trying through the app I get 'Error - Your account has been locked. Please visit Coinbase to resolve '. 

I think I was locked out because I entered my password incorrect too many times. I then tried to re-set the password but no luck as of yet.