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

PayPal. Someone sent me {$1100.00} USD on XX/XX/XXXX. PayPal had a problem with their system and it was converting some accounts to GBP. My account was affected and the money is still showing up as GBP. When it converts to USD, the amount is lower than what was sent and there are conversion fees. I live in the United States. The person transferring the money to me lives in the United States of America. 

Additionally, PayPal somehow changed my currency to GBP so I had to talk numerous hours on the phone with them trying to get them to change it back to USD. I have NEVER, EVER used anything except USD for my transactions, whether sending or receiving! 

I have spent countless hours on the phone with them, used the chat feature with them, and have several e-mail communications with them. It is now XX/XX/2023. This has been going on since XX/XX/XXXX when I tried to access my money. 

They need to change the transaction back to USD, which is what is was sent as, in the amount of {$1100.00}, with no fees charged. It is their mistake. I don't even know if they have their algorithm straightened out or not yet. 

I am attaching a document that reflects only part of my communications with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report theres a collection from XXXX XXXX XXXX for the amount $ Ive contacted this collector multiple times and they keep saying they dont see any debt. 
On my credit report by TransUnion the only available information of this debt is the phone number but there no name of the collector. Every time I call trans union their response is we only report the data I log into all my credit monitoring accounts and on my trans union its all the same an amount owed, but theres no name under collector, where it say company name it simply says collection Ive called the number listed at XXXX times gave my name an social but they can never find this debt. Trans union isnt verified information and listing it properly.
Product: Debt collection

Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, XXXX, exprin dont come up
Product: Checking or savings account

XXXX XXXX account opened by my employer XX/XX/XXXX contribution made by my employer of {$620.00} XX/XX/XXXX qualified distribution in amount of {$620.00}. This was not authorized by me and no one at the bank can tell me where it is. 

The initial contribution of {$620.00} disappeared off of the statement. No one can explain why XX/XX/XXXX and XX/XX/XXXX contributions were made {$620.00} respectively. 
Given the first contribution disappeared and the unauthorized qualified distribution was made in the same amount I am left with a balance of {$620.00}. 
I have not accessed this account at all for any reason. 
I have called the bank daily without any resolution. Their response is 3-5 business for research. 
This contribution is an ongoing {$620.00} every 2 weeks from my paycheck for my XXXX account. This will continue. I dont want to stop the contributions because I will loose approximately {$3000.00}. over the course of the year due to the pretax nature of the contributions
Product: Credit reporting, credit repair services, or other personal consumer reports

Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit score. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds that the account is accurate, without providing any evidence XXXX a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XXXX  XXXX : late payments not accurate and not removed XXXX : late payments not accurate and not removed Military star : late payment not accurate and not removed Syncb/carecredit : I never closed account XXXX XXXX XXXX XXXX XXXX payments not accurate and not removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But Equifax and XXXX  is still jealously holding on to it. When I reported the issue to Equifax and XXXX, only XXXX  took that public record out - but did not update the score at all!! And Equifax did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.
Product: Checking or savings account

Other people withdrew money from my Chase Bank checking account, and others also applied for two more credit cards that I don't have. It could be due to identity theft. The first transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX US dollars on XX/XX/XXXX. The second transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX XXXX dollars on XXXX XXXX. The two transactions totaled US {$3000.00}. I tried to go to the bank to recover the two money, but they told me directly that they would not refund it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  : XXXX, XXXX. Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX  : XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account Account XXXX XXXXXXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 

As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXXProof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXXA detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that XXXX. XXXX, XXXX is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately. 

Please provide a written response to this letter and send all requested documentation to the mailing address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company does not and will never have my consent to have access and store personal and private information that belongs only to myself. This is a direct violation of state and federal privacy laws as well as unconstitutional. I demand all information pertaining to myself be removed or I will pursue legal class action suit against this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Opened new account with incentive offer for {$300.00}. 

Offer terms are to 1 ) open a free checking, 2 ) enroll in estatements, and 3 ) receive a total of at least {$1500.00} in direct deposits into the account within 90 calendar days of account opening. In smaller print, notations to receive bonus 1 ) register for online banking and estatements, and 2 ) at least {$1500.00} direct deposits. Automatic recurring. Bonus paid within 30 days of the end of the XXXX day period. 

Opened account XXXX XX/XX/XXXX. Direct deposits posted XXXX and XXXX XX/XX/XXXX, XXXX  and XXXX XX/XX/XXXX, and XXXX and XXXX XX/XX/XXXX ( the XXXX day period ) and exceed {$1500.00} minimum in total. 

No bonus was paid, upon inquiry ( XXXX XX/XX/XXXX ), bank states {$1500.00} was required monthly, but that is not what bonus terms describe. 
I opened the appropriate account in person with banker ; set up online banking and estatements, held recuring direct deposits for the XXXX days period, and exceeded the total minimum amount of the direct deposits per the terms printed and given in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, XXXX is govern by 15 USC 1681. And they violated my rights numerous of ti

mes. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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: Debt collection

Amsher Collections reported a collections account of {$2200.00} from XXXX XXXX XXXX to all three credit bureaus. This information is incorrect, and despite disputing it multiple times, it remains on my credit report. 

In XXXX, when the collections account was first reported, I called to request a debt validation letter and to dispute this erroneous information. However, a debt validation letter was not sent. In XXXX, I received a letter from Amsher Collections instructing me to call before XX/XX/XXXX if the account was not mine or if there was incorrect information being reported. I called on XX/XX/XXXX, disputed the account, and requested a debt validation letter, which should have been provided within thirty days of the debt being reported. 

I want to clarify a few points : 1. I paid the entire amount to XXXX when I closed my account in XXXX. 
2. I never owed {$2200.00} at the time of closure ; the remaining balance was paid in full to XXXX XXXX XXXX, and they unlocked my IMEI number to be able to move carrier. If the account had not been paid fully they would not have unlocked my IMEI number 3. On XX/XX/XXXX, Amsher Collections acknowledged inconsistencies during our conversation and stated that they would dispute the account, yet it has not been removed. 

When I saw an updated report on XX/XX/XXXX, I called Amsher again. This time, a representative informed me that they were no longer handling the account and instructed me to contact a law firm. However, the credit bureaus still reported Amsher as the collections agency for the debt. 

Here are the major issues I am facing : - The debt amount is incorrect ; I paid off the entire balance before closing my account with XXXX XXXX XXXX. 
- The debt continues to be reported as a collections account on all three of my credit bureau reports. 
- I called Amsher four times to dispute the debt and request a debt validation letter, but neither has been provided. 
- On XX/XX/XXXX, an Amsher representative acknowledged inconsistencies with the account and assured me it would be removed. 
- On XX/XX/XXXX, I called Amsher again and was told that they no longer handle the account and that a law firm is now responsible for it. This was surprising because no one had informed me of this during my previous calls, and no debt validation letter had been provided to confirm that the amount and debt were mine. 
- When I called the law firm using the number given by the agent, it turned out to be a non-working number.
Product: Student loan

About 2 months before student loan payments were to start up again I did an online IBR plan. When I received the payment plan via mail that was over XXXX percent of my take home pay I went online to see what was going on. I saw that they took the option for online IBR down and indicated it had to be done by mail. I mailed it in. I then started getting calls about wanting payment. I then resent my IBR application via registered mail, which they have had for XXXX weeks now and I am still getting over XXXX calls a day from XXXX. I want the harassment to stop. This is what they did back when I first XXXX XXXX XXXX XXXX and my student loan debt went from XXXX to XXXX because they refused to give me an income based repayment plan and kept adding fees and added interest when I could not afford to pay the amount they wanted me to. They even refused to give me an accounting of my payments that I made. It wasn't until they had a class action suit that they gave me an accounting, which was roughly 15 years later. Of course, until the class action suit there was no information on the internet on getting help from XXXX XXXX 's fraudulent actions. I don't have a way to scan the documents that I mailed to them since they have taken the online option down I had to print it and mail it. I have a copy, but at this point I have spent what I can afford to make them do their job. I don't think I should have to drive to a copy shop and pay to have the documents scanned. They were given to them 3 times.
Product: Student loan

1. As of this date ( XX/XX/XXXX) I have not received responses to letters sent to XXXX XXXX XXXX XXXX ( UAS ) ( 1 ) Letter addressed and mailed to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI dated XX/XX/XXXX ; and ( 2 ) Letter addressed and mailed to XXXX XXXX XXXX XXXX XXXX, IL dated XX/XX/XXXX 2. The lender XXXX XXXX XXXX XXXX XXXXs ( XXXX ) states it is the responsibility of the borrower to confirm enrollment status directly to XXXX  at least once a year and the repayment policy is a three-month grace period after graduation and/or ending attendance in school. XXXX   appears to apply the end of grace period each XXXXXXXX   semester which is inconsistent with the provisions of the loan.

3. Communication notices from XXXX  do not provide dates when the document is sent and some notices are received around the same time which does not allow for timely response.

4. XXXX erroneously reported to CRAs the account is past due when I was currently enrolled in school and had provided documentation to which they have yet to respond.
Product: Student loan

I attend XXXX and graduated in XXXX, and like most people my age I live at the poverty level. XXXX assumed my loan from my old loan holder in XXXX of XXXX and have been nothing but a problem to work with. I have submitted paper work for a IBR with XXXX or Utah XXXX XXXX Assistance XXXX 3 times and they still have not applied it to my loan. Once I submitted it through the mail and they subsequently lost it. The next 2 times I submitted it through the electronic data base on studentloans.gov and I have given them 60 days to process the paper work. I asked for a deferment for XXXX XXXX, XXXX payment during this time to apply to the loans and was assured it would go through by a customer representative from XXXX. I opened a letter this morning, XXXX XXXX, XXXX from XXXX that shows I am 11 days delinquent for the loans that I was told I would have a deferment on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of ED All of these companies 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX Experian ). I am giving the company an opportunity to cure and remedy this situation.
Product: Debt collection

Requested a contract ( multiple times ) with wet ink signature of both parties ; XXXX XXXX and TEK-COLLECT INC . This was not provided.

TEK-COLLECTXXXX HAS FRAUDULENTLY ACCESSED MY CREDIT REPORT WITHOUT CONSENT from XXXX XXXX. Proof of consent to access credit report with signatures of both parties ; XXXX XXXX and TEK-COLLECT INCXXXX needs to be provided. Random docs of signature is FRAUD.