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

On XX/XX/2022 I tried transferring money from my PayPal account to my personal checking account. I did not want to pay the {$1.00} fee to have my money transferred to my bank account immediately so I chose the option have it transferred in XXXX - XXXX business days. That option kept giving me errors saying my bank account could not be linked, and then it told me the account was already linked so it couldn't be linked again. However every time I clicked on the Transfer it would not provide me with either my bank account or bank card on file to transfer to. My bank does support PayPal so that's not the issue. Then I tried clicking on the option to have a check sent to me and every time it just re-routed me to the transfer funds to my account. I tried submitting a ticket via their Resolution Center and I received an error message saying my request could not be processed and to try again. I would try again and would receive the same error message. Every time I tried calling I received an automated message that said no one was able to take my call and it forced me to text with someone. So I started a message with their support team, who was not helpful at all. They only provided me with screenshots from their Help Center showing me how to navigate their system, told me the issue was because I had to update my telephone number on file, and then they told me the issue was because I did not verify my tax information followed with because my account has less than {$10000.00} they even said that should not have impacted me transferring money to my checking account. Their online support did not listen to me and they did not help me at all. Something in my gut said to try selecting the {$1.00} transfer option, as I had a bad feeling by this point, spending several days trying to get my money transferred the FREE way, that this option would immediately work. And it did. As soon as I clicked that option to be charged to transfer my money to my checking account my money was transferred. I never updated my telephone number on file and I never verified my tax information, so that just proves there's something wrong with their system that they refused to acknowledge and help me with and they ended up illegally charging me {$1.00} in fees to have my money transferred because the free option gave me error messages for days. I want my money sent to me via check from PayPal that they illegally took from me. I want nothing else to do with their company as this is not how a company like theirs should operate and I hope they are help accountable for these unethical business practices. I have provided screenshots of all messages I had with their employees and screenshots of every issue I reported in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.
Product: Credit reporting

landlord maliciously file for eviction all the time and tenants do n't know theirrights so these bad reports ruing you for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXXXXXX XXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXXl XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates 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. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Debt collection

Diversified Adjustment Service is violating my federally protected rights under the FDCPA. Diversified has contacted me without my prior consent violating 15 USC 1692c.They are also using This alleged debt with Extortionate intentions to coerce and swindle me into paying the alleged debt.. See attachment for demands
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit card was paid off years ago and closed and is now showing on my credit report showing as an active account with an owed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XX/XX/2023 XXXX, XXXX, Equifax Subject : Dispute and Demand for Removal of Inaccurate Late Payment from Credit Report Dear XXXX, XXXX, Equifax I am writing to formally dispute and request the removal of a late payment entry on my credit report. According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), Bravo section 602, Alpha ( Section 602 of the Fair Credit Reporting Act ), 15 USC 1681b, and 15 USC 1666, I believe this entry to be inaccurate and in violation of my rights as a consumer. 

On XX/XX/XXXX XXXX XXXX it was reported that I had made a late payment on XXXX XXXX XXXX. However, upon reviewing my records, I have found evidence that contradicts this information. there is not signed contract and not evidence of stament of bill mailed,20 days prior to the payment due date, also and not identity verification process confirmed It is important to note that under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 USC 1681b ). In this case, the inclusion of the late payment entry without proper verification or investigation has resulted in a violation of my rights as a consumer ( 15 USC 1681 ).

Furthermore, the Truth in Lending Act ( 15 USC 1666 ) establishes my right to fair and accurate reporting of credit information. The inaccurate reporting of a late payment adversely affects my creditworthiness and financial standing, and it is imperative that this erroneous entry be promptly removed from my credit report.

In light of the aforementioned legal provisions, I kindly request that you investigate this matter thoroughly and, if found inaccurate, remove the late payment entry from my credit report. I expect this request to be fulfilled within the legally required timeframe of 30 days.

Failure to comply with this request and rectify the inaccurate reporting may result in further legal action to protect my consumer rights. Please provide written confirmation of the investigation and resolution of this dispute within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

On XX/XX/2021, I received a loan from Synchrony in the amount of {$680.00} to purchase furniture at, Rooms To Go. I was informed by Synchrony bank that a credit card with account number would come to me by U.S. mail with in 14 days, No card has come and unable to pay this debit or past debits for past times. Total owed Synchrony bank is just over {$1000.00}, however late charges are coming simple for lack of Account number needed to make a payment. The reason I never finish making my loan made back 5 years past is for the same reason. Late charges at that time were greater than principle owed. 
I live on a fix income and able to all the owed money except for Synchrony bank. My fear is that late charges again will grow simple for the fact Synchrony Back has not provided account number in order to make payments to them. 
My last attempt was today when my payment is due. My, account number has failed to come by U.S. Mail, all attempts to make a payment has failed for this very reason. Other than sue Synchrony bank, I feel it is best to report them for unfair banking practice. 
XXXX XXXX
Product: Mortgage

We are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT  XXXX. For about 20 years, my wife has had an adjustable rate mortgage on this house, first with XXXX XXXX and, since the fall of XX/XX/2016, with PHH Mortgage Services ( XXXX XXXX XXXX, XXXX. XXXX, NJ  XXXX, tel : XXXX ). During all this time, the house and mortgage were under my wife 's former name : XXXX XXXX XXXX. Any discussions regarding the mortgage could only be undertaken by her, despite our having married in XXXX. 

XXXX and I entered into a 30-year fixed-term mortgage with XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, with mortgage and title in both of our names. We terminated my wife 's old mortgage ( loan # XXXX ) at that time. All the necessary fees and closing costs were paid out at that time. PHH Morgage Services paid XXXX XXXX {$6100.00} in property taxes on my wife 's behalf in XX/XX/XXXX. They paid us a balance of {$1400.00} out of the escrow account held in XXXX XXXX XXXX name early in XX/XX/XXXX..I have not yet cashed their check for {$1400.00}. 

The error occurred when we discovered from our tax accountant and from the XXXX XXXX Tax Collector   that a double payment of of an extra {$6100.00} was paid to XXXX XXXX in error. The second property tax payment is not due until XXXX of this year. My wife has made numerous phone calls to PHH so that we can receive this over-payment of {$6100.00}. The conversations have been extremely difficult ; the people at PHH do not want to acknowledge and quickly correct the error. Their attitude is ignorance, as if they are hearing about our problem for the first time. They have subjected us to endless delays, and we have no confidence in their willingness to refund us our money. any time soon. 

Thank you very much for interceding with PHH Mortgage Services on our behalf so that we can obtain prompt and full satisfaction in this matter. 

Most sincerely yours, XXXX and XXXX XXXX cell : XXXX e-mail : XXXX XXXX
Product: Debt collection

American Accounts & Advisers is fraudulently attempting to collect debts not owed. In response to my previous CFPB complaint ( XXXX ), American Accounts & Advisers stated that they have 5 collections accounts for 5 procedures at the XXXX XXXX XXXX. This is completely false, and I received verbal and written confirmation with XXXX Hospital today ( The XXXX XXXX XXXX is a division of XXXX Hospital ) that I only visited the XXXX XXXX XXXX 1 time, on XX/XX/12. This visit was paid for and there was no outstanding balance. There were not 5 visits as American Accounts & Advisers is fraudulently claiming. I have requested proof of these alleged office visits/procedures from American Accounts and Advisers, which they have failed to provide, because the 5 procedures were not performed. American Accounts & Advisers has also falsely claimed that they have sent 4 letters and attempted to call me regarding these fake debts, which they have not. This company is committing fraud and destroying my credit score in the process. The should be investigated for their corrupt practices. They should be able to provide proof of the 5 visits that they allege I owe payment for, but they can not because it is a lie. I have my file from XXXX Hospital which shows the 1 visit on XX/XX/12, and I will provide XXXX 's contact information so that my statements can be confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with XXXX, Equifax, and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name XXXX XXXX
Product: Student loan

Navient student loan said I took out a loan in XXXX. I am XXXX yrs old and never had a student loan in XXXX. I did have a loan with the United States XXXX XXXX XXXX. This school was in XXXX Colorado back in XXXX. I got this loan paper from Navient that said I took a student loan out in XXXX, but I have not.
Product: Debt collection

Carter Young purchased a broken lease debt from the XXXX XXXX, that I don't owe. They claim XXXX dollars in damages and fees. I asked for documentation and proof of damages. None was provided. All they provided was a checklist completed by the property stating money owed and damages. They have no substantiating documents. No original lease or inspection. I do not owe this debt.
Product: Credit reporting

I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian.
Product: Checking or savings account

Capital One Bank has not deposited my payroll check into my account. It's been 2 days now with no success
Product: Bank account or service

Dear CFPB, I have been with Bank of America for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the BOA customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Bank of America can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.
Product: Debt collection

On XX/XX/23, I was contacted by XXXX at XXXX. The man on the phone identified himself as XXXX with Plaza Services. XXXX stated how just reached out to the XXXX XXXX XXXX XXXX ( my job ) in order to contact me about a matter in their offices. It should be noted that I have received text messages about a matter placed in an office from XXXX and to contact XXXX received these messages on my personal and work phone. XXXX went on to state that I had a debt with XXXX and it is in prelitigation and a judgement is pending and then he went on to offer payment options to resolve the debt. When I questioned XXXX about contacting my job over a personal debt and making threats over lawsuit is illegal, he made this statement " How's your credit because once this reports you want like it no more ''. XXXX went on to state that he knows I just brought a house and a car and that I need to pay my debts and that my credit will be ruined once he reports this debt. I informed XXXX I will contact the CFPB and asked he has legal right to collect in California and if he is bonded. XXXX than hung up on me. 

Plaza Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

Buy now, pay later payment for one expense - Affirm did not make reporting of any good standing loans to credit bureaus a part of the initial agreement. Agreement stated that late payments and defaults may be reported, but there are no late payments. Company reported payment as an open installment loan account on XXXX credit report, negatively affecting credit score and credit worthiness. Company refused to rectify issue. I've used Affirm 8 times previously, with no reporting to credit bureaus. Agreement and loan reporting practices are intentionally deceptive and harmful.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries : XXXX XXXX, XXXX, XXXX, XXXX PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry for synchrony bank and I got a letter that states my identity couldn't be verified but I still have a hard a inquiry on my report
Product: Checking or savings account

I AM SICK ELDERLY WOMAN AND I GOT SCAMMED FROM FRAUD SUPEONA TO MY M & T BANK ACCOUNT I TRIED CALLING THE MUNICIPAL COURT AND WAS TOLD I NEED TO IMMEDIATELY TELL MY BANK BECAUSE THEY HAVE NO RECORD OF ME AND THE NAME AND PLACE AND PHONE NUMBER GIVEN TO ME IS FAKE A MAN SPEAKS BROKEN ENGLISH AND REFUSED TO ANSWER MY QUESTIONS OF WHY WAS MONEY SENT TO THIS PHONE NUMBER AND PLACE NAME COURT XXXX XXXX {$1000.00} XXXX XXXX NJ XXXX XXXX XXXX XXXX SHOWED UP ON MY ELECTRONIC STATEMENT AS NJ WRIT BUT BANK REP SAID IT WAS NEW CENTRAL FINANCIAL I CAN NOT FIND THIS COMPANY ON INTERNET PLEASE INVESTIGATE THIS FOR ME I DONT KNOW WHO TO TURN TO I SUFFER FROM XXXX XXXX XXXX XXXX AND XXXX  AND I AM ON FOOD STAMPS I NEED HELP TO INVESTIGATE THIS MY XXXX  WHO WATCHED OVER ME HAS PASSED AWAY SO PLEASE CAN YOU INVESTIGATE THIS FOR ME XXXX
Product: Debt collection

I never received notification concerning this debt. I have never been treated or seen by this medical company. I dispute the validity of this debt in its entirety. In addition to this I was never notified that this debt would be attached to my credit file which is against the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( block inc ) due to inadequate customer service, and unfair practices which violates the consumer financial protections ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Information Solutions , Inc. regarding the inaccurate reporting of outdated addresses on my credit report. My accurate home address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and there is no other than the address just listed. Despite multiple attempts to resolve this issue directly with Experian, the erroneous information remains uncorrected, adversely affecting my creditworthiness. 

On XX/XX/XXXX, I discovered inaccurate and outdated addresses listed on my Experian credit report. These inaccurate and outdated addresses are negatively impacting my credit score. 

I contacted Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute these inaccurate and outdated addresses. Despite providing all necessary documentation, Experian failed to conduct a proper investigation and did not remove these inaccurate and outdated addresses from my report. 

I am aware that on XX/XX/XXXX, the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes, including issues related to inaccurate information on credit reports. The lawsuit alleges that Experian conducted " sham investigations '' and, in some cases, reinserted previously deleted inaccurate information into consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several hard inquiries found on my credit report. XXXX has investigated these inquiries and found them to be incorrect and deleted them immediately. Transunion has failed to do so.
Product: Debt collection

On this date company opened a collection Account # XXXX XXXX XXXX Balance- {$680.00} Account # XXXX XXXX  XXXX XXXX  Balance- {$450.00} Account # XXXX XXXX  Balance- {$600.00} Account XXXX XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$600.00} I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also they have not verified that owe this debt to this alleged company Please have this removed from Al three credit bureaus XXXX XXXX  XXXX XXXX