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

I placed an order with XXXX. I authorized them to charge my PayPal {$3.00}. The remaining amount of the order was authorized to be paid with SNAP benefits ( everything qualified for EBT except one item that was $ XXXX which totaled to {$3.00} ). I entered my EBT pin on the website as usual and immediately got confirmation of the order, as it always does. Later, I learned that XXXX charged the entire order ( {$210.00} ) to my PayPal account which only had {$10.00} in it so they tried to charge my bank account for {$200.00}. My bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca ) has denied the charge, but charged me an overdraft fee of {$31.00}. Paypal is now asking for me to pay them {$200.00} and is sitting with a negative balance. I never authorized the amount charged to begin with and I definitely didn't authorize PayPal to carry a balance like a credit card. They should have denied it due to lack of funds to begin with. There wasn't enough money in any account of mine to cover a {$210.00} charge. Hence why I was using my SNAP benefits for food. I contacted XXXX multiple times. 2 reps said they would refund my money as it was a glitch in their system that made the mistake and charged the wrong payment method, but they never did and i never received the confirmation email about it as they said i would. I filed a claim with PayPal but they denied my claim stating it wasn't a billing issue and are now demanding I pay them the remaining balance {$200.00}. I never authorized that amount, I never authorized them to carry a balance, i have been charged a fee from my bank that is not my fault. I don't know where else to turn. I'm low income and budgeting isn't easy, but I manage. I can't manage or afford to pay for something I didn't authorize to begin with. I don't understand why it wasn't just denied since the funds weren't there. I can't understand why PayPal won't issue a refund because the charge was never authorized. XXXX has admitted the mistake was due to a glitch in there system but won't refund the amount taken. They said to contact PayPal. I contacted PayPal and they said to contact XXXX. I don't know where else to turn.
Product: Checking or savings account

On XX/XX/2018 my bank account was closed for withdrawals. I called Capital One. 

They stated that a payment I received had been marked as fraudulent and unauthorized via XXXX, the payment amount was for XXXX on XX/XX/2018. This transaction was the payment for the receipt of digital goods off of XXXX. I engaged with a trade for XXXX with a user, and they authorized this payment. 

The bank froze all my funds, despite my account balance being ( XXXX ), including access to my direct deposits ( which were verified and cleared ) of XXXX and XXXX. They allowed me to make a withdrawal of XXXX but I was on the phone for six hours, I do not have any verification from them about this transaction. They also did not dispute this charge with me, they did not ask for verification ( which I have! ) on the XXXX which includes encrypted, signed and verified chat correspondence with the user ( for the exact amount ), the payment method. 

I have attached screenshots of verifications of these transactions. They can be looked up on the XXXX network ( XXXX XXXX XXXX ) which is an UNCHANGEABLE registry of actions. I can provide additional documentation. 

In addition, the account associated with my XXXX  account balance here shows ALL the funds deposited to this XXXX  account. 

They are asking me for unreasonable information such as the contact information of the user, rather than asking me for proof of the transaction, which was verified on the ethereum network. In addition, they are closing ALL of my funds, including funds that were in no way due to a payment, while I was on vacation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Formal Dispute of Inaccurate Information [ public record : bankruptcy XXXX  XXXX ] * Dear Sir/Madam, I am writing to formally dispute the inaccurate information currently listed on my *Equifax credit report*. Despite my previous disputes regarding these items, I am concerned that Equifax has failed to conduct adequate investigations in accordance with the *Fair Credit Reporting Act ( FCRA ) *. 

The information in question includes the following : Public record XXXX  XXXX : - * [ XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX Status CourtUS BANKRUPTCY XXXX XXXX XXXX XXXX Liability Exempt Amount Asset Amount. ] * I have previously disputed these items with you, but I have not received a satisfactory resolution. As you are aware, under the FCRA, credit reporting agencies are required to investigate consumer disputes thoroughly, ensure that information is accurate, and provide proper documentation of the outcome of such investigations. Failure to do so violates my rights under federal law. 

I am also aware that the *Consumer Financial Protection Bureau ( CFPB ) * has taken action against *Equifax* for failing to properly investigate consumer disputes, which further demonstrates the ongoing issues with how disputes are handled. Given this, I am requesting that you : 1. *Conduct a thorough, accurate investigation* of the disputed items and provide me with the results.

2. *Provide evidence* that demonstrates the accuracy of the information you have reported or promptly remove the disputed items if they can not be verified.

3. *Follow the requirements of the FCRA* to ensure all future disputes are properly investigated and resolved within the 30-day time frame.

4. *Provide detailed documentation* of your findings and the steps taken during the dispute process. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOURSIGHT CAPITAL LLC T

HESE COMPANIES ARE REPORTING/ADDING INFORMATION TO MY CONSUMER REPORT WITHOUT MY VERBAL/WRITTEN CONSENT. AGAIN, I DID NOT AUTHORIZE NOR GIVE MY CONSENT/AUTHORIZATION FOR THE NEGATIVE REPORTING.

Per the FCRA as federally protected consumer - I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU. WRITTEN AND UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802.
Product: Credit card or prepaid card

My government feeds are not coming on to my card and I need the problem fix today
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I am writing to update to paid on time the following information appearing on my credit file. 
I noticed this while reviewing my file on today XX/XX/2022. Validate the accuracy as you have the civil liability to report correct accurate and up to date information. 

update the following late payments reporting XXXX XXXX XXXX late payments {$170.00} XXXX updated XXXX XXXX XXXX
Product: Credit card

I am writing to formally file a complaint against Synchrony Bank and Care Credit for the unwarranted and damaging reduction of my credit limit. This action, which I believe to be a direct result of erroneous reporting by XXXX XXXX, has caused significant and undue harm to my financial standing and overall credit health. 

For years, I have been a responsible and prompt customer, always ensuring my payments to Care Credit and other accounts under Synchrony Bank were always made on time. Despite this history of diligent financial management, I was shocked to find that my credit limit had been substantially lowered ( {$9000.00} to {$3200.00} ) without prior notification or a valid reason ( your reasoning is based on a cascade of negative credit events as a result of XXXX 's erroneous reporting ). This reduction in credit limit not only undermines my trust in your financial services but also has cascading negative effects on my credit score and utilization rates. 

I understand that lenders periodically review accounts and make adjustments based on various factors. However, it is clear to me that this action was taken in response to an erroneous 30-day late payment report from XXXX XXXX XXXX XXXX situation that was entirely out of my control and has since been rectified. The decision to lower my credit limit in reaction to this incorrect information is both unfair and irresponsible, failing to take into account my long-standing history of creditworthiness and the extenuating circumstances of the reporting error. 

This reduction has had immediate and profound repercussions, including : A decrease in my credit score due to increased credit utilization. 
Restricted financial flexibility and access to emergency funds. 
Increased psychological stress and concern over my financial reputation. 

I have attached documents notating my original credit limit, my letter from XXXX explaining their mistake and a screenshot of the adverse toll this has taken on my credit and continues to do so as a result.
Product: Credit reporting or other personal consumer reports

Mohela was the owner of my student loans. The XXXX administration forgave my loans 100 % back in XXXX XXXX XXXX. I have made several phone calls and sent several emails and also corresponded via US mail ( see attachments ) requesting that all Mohela information is corrected on my credit reports and reflects that ALL accounts are paid and full with no late payments recorded.I have since pulled my credit reports and there are still inaccuracies on the report. 15USC. 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: Vehicle loan or lease

Kia motor finance gave me a payment arrangement on the XXXX of XXXX. On the XXXX of XXXX they picked up my vehicle and charged me {$800.00} for repo fees and would not pull the recorded phone call to show that there was an arrangement. They refuse to help with the fees on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting

I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late
Product: Debt collection

Recently obtain a copy of my credit report and your company

THE MB & W ( MCCARTHY, BURGESS & WOLFF , INC ) currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. -provide a copy of my signature with the provider of service to release my information to you. -requesting purchase agreement between the original creditor. -Cease any credit bureau reporting until debit has been validated by me. -revoking all rights of communicating with you through
email, text, calls These XXXX consum

er laws were also violated : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA. Additionally and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act which can allow me to seek damages from your collection agency I will await your reply with the above requested proof per the standards you have XX/XX/XXXXdays in ways to respond to the request or this debt will be considered invalid and removed from the credit bureaus expected or damages will be sought after.
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. 

These accounts shown : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX. However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit card

I was late on payment 1 month. I made the payment and asked to have the fee waived. 4 months later they have charged me 4 more additional late fees. I asked to close the account and was told no and I had to pay the total amount due and then they would close the card.
Product: Credit reporting or other personal consumer reports

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked Experian to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is Experian job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living. Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting collection accounts that need to be removed. This debt is invalid as during this time I was covered with XXXX and XXXX. I had gone in for some blood work and the hospital tried billing me 3 different times for one exam that was supposed to be sent over to insurance. I had called them and they had admitted to this mistake but they billed me anyway! This is not my fault, this is an error from the hospital that needs to be fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act. The following account has violated my federally protected consumer rights to privacy and confidentiality under under 15 USC 1681. 

XXXX XXXXXXXX XXXX  ACCT # XXXX XXXX  XXXX ACCT # XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incorrect and inaccurate. According to the FCRA when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom it is report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. It is one of the requirements for consumer reporting agencies to ensure the accuracy of information in consumer reports.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

on Saturday, XXXX XXXX, 2017, I visited a XXXX XXXX ATM machine in XXXX Maryland, where the funds did not disperse from the ATM. I 've called over 10 times to XXXX XXXX for assistance with submitting a claim. the company has hung up on me all 10 times. I went to the nearest XXXX XXXX bank to submit a claim, and was turned away as the claim has to initiate from the XXXX XXXX. these are government issued, protected funds and this company is not helping me recover what was taken from the atm machine
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from 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 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.