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

On XX/XX/XXXX a check was deposited into PayPals online account I made which was my check but did not upload. My card that was with PayPal which was a debit card was stolen and someone withdrew out {$400.00} which included fees. I was able to recover the funds after having rude customer service when I was calling. Then I was told they would hold my funds for 6 months/180 days which I can not and will not wait for. I told them numerous of times what happened and that they need to release my funds so I no longer have these issues and do not want to do business however they put a limitation on my account without proper investigation and refuse to give back my remaining funds. This is not a good way to treat customers who wanted to trust PayPal. I can see if they held it for less than 4-8 weeks but over 180 days is too obsessive. Some people dont even see their money after 180 days and I do not want to be scammed by PayPal so please help and I hope this help others who are being robbed by them as well
Product: Credit reporting or other personal consumer reports

I have filed a Report with FTC ( REF # XXXX ), regarding the following unauthorized Inquiries on my Consumer Report. 
15 U.S. Code 1681 b - Permissible purposes of consumer reports I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies, this is violating my rights as a Consumer. 
The following XXXX XXXX ran XX/XX/year>, HARD INQUIRY XXXX XXXX XXXX ran XX/XX/year>, HARD XXXX XXXXXXXX XXXX XXXX ran XX/XX/year>, HARD INQUIRY Thank You,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XXXX I filed two complaints against CASCADE CAPITAL , LLC. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, CASCADE CAPITAL , LLC states that " due to the repeated complaints filed by the consumer CASCADE CAPITAL , LLC is opting to close both accounts out as a refusal to pay. CASCADE CAPITAL , LLC has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XXXX, nearly 6 months later, I received the attached two letters from XXXX XXXX XXXX attempting to collect the accounts that CASCADE CAPITAL , LLC should have " closed out '', per the previous agreement. Note that CASCADE CAPITAL , LLC is named as the debt holder on both letters. According to the attached call recording, CASCADE CAPITAL , LLC had no intention on following through with this statement as the XXXX XXXX XXXX agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to XXXX XXXX XXXX  despite the agreement made through the CFPB via complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However XXXX XXXX entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to XXXX XXXX and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but XXXX XXXX does not.
Product: Debt collection

To whom it may concern : I have sent three letters to Professional Adjustment Co XXXX XXXX XXXX XXXX XXXX, FL XXXX Dating XX/XX/2020, XX/XX/2020 asking them to verify the debt of medical bills {$150.00}, {$330.00}, and {$400.00}. After 30 days haven't received a response for {$330.00} but on XX/XX/2020 received verification of the a debt of {$150.00} and {$400.00}. I have responded with a letter on XX/XX/2020 asking for validation and poof for the medical debt. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe. By furnishing my account information to any collection agency is not in compliance with HIPPAA or Florida 's Privacy Act, and any subsequent reporting of these account on my credit reports to XXXX, XXXX, and XXXX  is clear violation of Public Law 104-19. 

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

XX/XX/XXXX I wrote both the Experian Credit Bureau and XXXX XXXX XXXX stating that I have never had a credit Card Card from XXXX  XXXX XXXX, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : Experian says they checked with XXXX XXXX XXXX and their records are correct. 
My Reply XX/XX/XXXX letter to both requesting copies of related charges. 
XXXX reply XX/XX/XXXX : or records indicate we are reporting correctly my response to both XX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX Experian sent exact same information that sent XX/XX/XXXX my response XX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from Experian XX/XX/XXXX XXXX form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time XXXX wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. Experian same as before we have contacted XXXX and their records are correct. XXXX  form letter says they checked their records and are reporting correctly. 

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given my correct address information numerous times in writing, online, and verbally with supporting documentation ( drivers license, utility bills, and bank statements ). Equifax continues to remove correct information from my report and replaces it with incorrect address information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.
Product: Debt collection

Collection Consultants of California sent a collection letter for a medical debt and addressed it to my wife, and included a copy of the explanation of charges from the hospital which listed all of my medical procedures, in violation of my privacy. They underhandedly only listed my name on the enclosed statement of my medical procedures, in order to make it difficult for me to prove their HIPAA violation and the violation of my privacy, but the cover letter with this private enclosure was addressed to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I Wrote letters about incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-oN account that I believe contains inaccurate information. The account in question is associated with XXXX XXXX, and the details are as follows :
Product: Debt collection

XX/XX/XXXX : XXXX pulled my credit report ( hard pull/inquiry ) XX/XX/XXXX : I notified XXXX they did this erroneously and someone was trying to access my credit. I had no idea who did so. They required me to submit multiple things, such as my SSN, license, and utility bills, to even continue the investigation. 
XX/XX/XXXX : XXXX sold the debt to a creditor, SEQUIUM, who placed a collection on my report. 
XX/XX/XXXX : I reached out to XXXX to inform them of the issue. They required me to submit SSN, license, utility bills and said they were opening fraud investigation. 
XX/XX/XXXX : I also dispute the account with XXXX, XXXX, and XXXX. 
XX/XX/XXXX-XX/XX/XXXX, XXXX : I reach out multiple times for an update with XXXX. They give me no updates. 
XX/XX/XXXX : XXXX  tells me the dispute is completed and the debt is mine. I reopen the dispute. 
XX/XX/XXXX : I speak to XXXX  and they tell me they will not remove it from my report unless XXXX and SEQUIUM also agree it is fraud. 
XX/XX/XXXX : I contact you.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 On XX/XX/2021 process was initiated to send money to my son in XXXX XXXX as I had done several times previously. After not receiving the transfer I called and was told there was a delay... later that day I received email requesting proof of my identity, which was provided by the means they requested. 

Called back on XXXX XXXX, and XXXX XXXX they said all was OK and would be solved in 4 hours. 

Nothing to this date. And this is the second time they do this with the same excuse
Product: Credit reporting or other personal consumer reports

This is my first dispute to Experian regarding a new very serious violation regarding XXXX XXXX FAILURE to mark account in dispute. 
This is a violation of the FCRA 623 ( a ) ( 3 ) and FDCPA 1692 ( e ) ( 8 ). 
I submitted my dispute via CFPB # XXXX on XX/XX/2024 and XXXX XXXX acknowledged receipt on XX/XX/2024 and according to Experian Report # XXXX dated XX/XX/2024 the account had not been marked in the 30 days required by law. 
I want the account XXXX XXXX # XXXX REMOVED from my credit report immediately due to violation ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ; Transunion  XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/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    XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage did a background check on me for XXXX. First Advantage violated the FCRA by providing information about my criminal history the violation was First Advantage provided history to XXXX of more than 7 years they went all the way back to 1993. This violates my rights I made mistakes in the past but do to these type of companies that make money by dredging up people 's past violates a person 's right to start over. If some type of ethics could be applied to these background companies then people with XXXX XXXX could after several years allow a XXXX to be forgiven instead of allowing these companies to make money by reporting information of 30 years past.
Product: Checking or savings account

Citizens Bank has been regularly reorganizing the order in which charges are processed through checking accounts in order to increase the amount of overdraft fees. Most recently I realized I was going to go into overdraft because a refund that was supposed to hit my account was applied incorrectly by the state. While they are researching where that money went to and my knowing that my account would now overdraft, I began taking screen shots of my account each day as I knew Citizens had a history of reorganizing transactions in order to increase the overdraft fees. I 've been charged {$100.00} so far for 3 transactions which I have printed documentation had not thrown my account into overdraft. When I called the bank they advised that a pending transaction caused those overdrafts and would not waive the fees. When I advised them that I had been taking screen shots of the banking site and printing the proper documentation that this was not the case, I was advised that they could only go by what the system tells them on their side and refused to refund any of the charges. The issues occurred on XX/XX/XXXX, XX/XX/XXXX. The three charges were for grocery shopping I did on XX/XX/XXXX. The transaction the bank claims to have caused the overdraft was processed on XX/XX/XXXX from a doctor 's appt. A full day later. Now of course this has thrown even more into overdraft and I stand to be charged another {$300.00} in fees. I do not regularly overdraft my account and am so disgusted that the banks get away with this. Another note is that we received money as part of a class action lawsuit just 2 or 3 years ago for Citizens Bank engaging in this very practice.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my typical payment history.
Product: Debt collection

Please note that the minimum payment is due on XX/XX/2022 and the amount is XXXX. I made a partial payment of XXXX on XX/XX/2022 to apply to account and will pay the balance of the min payment before the XX/XX/2022. I spoke to a representative last week to confirm this transaction. Here are the number of times they have called me just today already. here ae the times, XXXX, XXXX, XXXX, XXXX, and that's just today and its only XXXX. I have an injury so im unable to work but is still making payments. I called and spoke to a representative XXXX and told her that I already spoke to someone regarding this payment. I informed her that it was illegal for her to call so many times during the day and that was harassment. She told me she had the right to call and that she will call because I failed to pay the minimum amount. The representative then placed me on hold with music and left me online.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1991 Last 4 SS # : XXXX XXXX XXXX XXXX : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX  XXXX  I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1400.00}, and an account balance of {$1400.00}, while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as 99 % of {$1500.00} is {$1400.00} and not {$1400.00} nor {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2020 I applied for a car loan as a co-signer to my nephew, XXXX XXXX, at XXXX XXXX. XXXX ended up financing up and I didn't realize they had applied to PNC Bank and XXXX XXXX. XXXX XXXX and PNC Bank sent me letters later where XXXX XXXX had approved me, but XXXX took on the financing. However, PNC Bank wrote a scathing denial letter dated XX/XX/2020 stating erroneous and slanderous information regarding delinquent payments, ( 1 ) Serious delinquency, ( 2 ) Ratio of balance to limit on bank revolving or other revolving accts too high, ( 3 ) Number of accounts with delinquency, and ( 3 ) Length of time accounts have been established which are all slanderous and incorrect, from XXXX  Credit Reporting agency in XXXX, Texas. This is a lie. XXXX  Credit Reporting could not have that kind of negative information in their agency relating to me and my credit when I have a XXXX credit score. I contracted PNC Banks Executive Department and they told me my credit denial was due to being lumped in with my nephew 's credit. However, they addressed the letter with the slanderous inaccurate information only to me and did not mention my nephew 's name in the letter so that anyone reading their denial letter would view my credit as horrible when I have a XXXX Credit score. I  wanted PNC Bank to retract the letter, but they sent me an assinine explanation that, " It is assumed that each applicant will know whether the reason ( s )  are specific to them or the co-applicant. This is horrendously insulting. PNC Bank did not name my nephew, XXXX XXXX, anywhere in the letter addressed to me and sent to my address with those terrible and inaccurate descriptions of my credit. Ms. XXXX of PNC Bank 's executive office also continued to initially contact me at my home number when I sent return emails to her and left numerous voicemails giving her my cell phone number because at XXXX years old, I continue to work full time. But after a few days of continuing to call the wrong number, Ms. XXXX sent me an email stating that they had attempted to contact me, but could not reach me so that they were going to close the case. I left distinct and clear messages giving Ms. XXXX my daytime cell phone number and sent return emails asking her to call my cell number. So for her to fein not being able to contact me as an excuse to close the case was a cover-up of their wrong doing. Ms. XXXX finally called my cell phone after I told her my next step was a complaint with CFPB. But then she came up with that ridiculous explanation of why they said the terrible things about my credit in their XX/XX/2020 letter which can not be true when I have a XXXX credit score.
Product: Checking or savings account

I received an email at XXXX XXXX XXXX on XX/XX/2023 about someone signing into a Capital One account in my name using a different device. I then recovered the username using my email and discovered someone opened a Capital One checking account in my name. I attempted to call Capital One to report this, however I was told by the credit card department that I would have to wait until the morning to speak to someone from the checking account department.