23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXXXXXX XXXX XXXX. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Product: Money transfer, virtual currency, or money service

I have tried for the last two months or so to update my business PayPal account with a new bank account. I was first told by a representative that I could not add a new account at that time because there was a security block on the account that prevented me from adding a new account. I was told to wait 24-48 hours and to try again. I waited, tried to add the same account, and was still told that it could not be added. The representative transferred to their supervisor who straight told me that the system won't allow me to add that account.

So... I waited for a few days and tried a different account with the results, being told that there is a security block and I would have to wait 24-48 hours. I tried after 48 hours with the same results. Again, I spoke with a supervisor who stated " security block, 24 -48 hours ) but this time they said to NOT do it through my PayPal account but to call in. 

That was Monday the XXXXXXXX XXXX. Today, Monday XXXX, well over 48 hours, I call PayPal to add the bank account and was told that they can not add it. I kindly asked the agent to try a different account and, once again, that account could not be added either. I asked for a supervisor, and I respect this supervisor 's transparency even without showing any real concern for my issue.

I was told that I have added and removed too many different bank accounts over the TWENTY ( 20 ) plus years of my PayPal account and that the " system '' will not allow me to add any new accounts and that there is nothing they ( PayPal ) will do to fix it. 

While I know that are Term limitations for adding the SAME bank account a fixed number of times, I have NEVER seen anything stating in clear account details or restrictions that there is a limitation over the life of the PayPal account for different bank accounts.
Product: Checking or savings account

I had an account at Fifth Third bank for several years. In the beginning of XXXX, I began using the account more regularly, as such I increased my minimum daily balance to {$10000.00} and the account has never had less than {$10000.00} in it. After making a deposit, the teller decided to accus e me of depositing fake money orders that were obtained from the US Postal Service. I was the purchaser and as such I was listed as both the pay to and pay from on the money order. I received a call on XX/XX/XXXX from the fraud department asking for more information, which was all very self explanatory but I answered nonetheless. The bank then requested info to verify the funds, which was completely unncessary, but I provideded nonetheless. 

On XX/XX/XXXX, I visited the branch in XXXX XXXX, IL where I met with the branch manager and together called the fraud dept. We were told the account was set for closure and would be closed in 35 days, and I was told that my money would not be returned to me and would be sent to a holding account forever. 

I visited the branch where the teller violated federal banking regulations and made false accusations and I simply asked them, if someone brought a fake {$100.00} bill, would you take it? As expected they replied " no, not if it was fake '' so I asked them why they accepted $ XXXX of money orders which are a certified financial instrument and the activity was consistent with all my past acitivity and there was never any issues with anything bouncing or overdrafts. The telller lied and inaccurately filled out suspicious activity reports ( SARs ), because the teller told me " you just got these today? '' to that I replied " yes '', again, it has the date listed on them. The teller then said because they were " obtained today '' they had to be fake. She filed the SAR and other reports resulting in the account closure. 

I spoke with the branch manager where the deposit was made, XXXX XXXX, XXXX and he agreed his teller, XXXX, XXXX XXXX made a mistake. He has not provided any meaningful update and I want my money as it has now been held longer than federal banking regulations allow for. 

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

I have disputed XXXX XXXX XXXX with Experian numerous times. The account is charged off and closed and should be deleted in XX/XX/XXXX, however, Experian is the only credit reporting agency who refuses to delete it stating it is scheduled to remain on file until XX/XX/XXXX. My first delinquency was in XX/XX/XXXX, therefore, the account should be removed within 7 years.  XXXX and XXXX have confirmed they will remove it in XX/XX/XXXX. Why is Experian discriminating against me? 

Also, Experian, is reporting an inaccurate account from XXXX University that does not belong to me for {$2700.00}. Several months ago they deleted the account, but now have allowed another collection account to report it using a different account number. This is ILLEGAL. 

Also, Experian is not reporting all of payments accurately for the following accounts : 1.  XXXX - was not 90 days late in XX/XX/XXXX, Experian did not report my payment for XX/XX/XXXX as  well. Other credit reporting agencies are reporting accurately. 

XXXX - did not report my payment for XX/XX/XXXX XXXX XXXX - paid account, balance of {$490.00}. Please delete.
Product: Credit reporting or other personal consumer reports

The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C
Product: Checking or savings account

Attempt to send my $ to XXXX - denied. 

I call and the representative tells me about the risks of Cryptocurrencies. ( Which I find funny because this is my money ). 

2nd representative is straightforward and tells me that Capital One has decided to no longer support sending money ( even though it is my money ) to XXXX ( a legal company ). 

XXXX XXXX XXXX XXXX XXXX XXXX I file a complaint with CPFB at the end of XX/XX/XXXX. 

I received a letter ( XX/XX/2018 ) from Capital One stating ( attachment ) that they will give me an access code that may not work with all companies. [ To me this was just another gimmick to delay me as they already stated they wont honor my request to send my money to a legitimate business ]. 

XX/XX/2018 I logged on to my XXXX account and input their access codes and was denied. I have used various bank accounts and have NEVER had this problem. 

Again, to reiterate. This is not a credit card purchase. This is money in my bank that they REFUSE to allow me to transfer. They will not work with me that is why I am filing a complaint.
Product: Credit card

I bought a XXXX XXXX Gift card from XXXX XXXX for {$100.00} credit. I activated it on their website and set a pin #. I even verified the card credit is worth {$100.00} exactly. Then, NOWHERE will accept the card. Physical stores, XXXX, XXXX, XXXXXXXX XXXX, XXXX, anything. Nothing will work. They all just say theres an issue with the card company. So I call the number provided on the card tons of time and theres zero way to get thru to a human representative- only automated options that hang up on you. It still says my card is worth {$100.00} but I cant use it
Product: Debt collection

Account name : Global Lending Services Account number : XXXX Date opened : XX/XX/2022 Original balance : {$33000.00} Balance : {$36000.00} Responsibility : Joint with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Product: Checking or savings account

Bank of the west told me over the phone my check would be available the next day and I would have {$100.00} available to spend and not only did they place my check on hold but you proceeded to overdraft money from the available balance they gave me. Completely unacceptable, its a ridiculous mistake on their end. Theres no way over the phone Im told I will receive it the next day then I go into the bank Im told 11 days. That is just unacceptable. I demand some form of answers and I dont want to hear theres nothing that can be done, Im not going to be feed every day until the XXXX and thats simply what it is. They shouldve instantly placed the check on hold if thats the case not over night past midnight after I used some of the available balance.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my credit report from XXXX, XXXX, and Equifax. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX   XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11.  XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Bank account or service

A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.
Product: Debt collection

Hi my Im having a big issue with XXXX I never had account with them before in XXXX I seen a collection on my credit report from then I co reacted then XXXX XXXX after a few months or so the credit Bureau took it off my report for fraud it was in XXXX it happens again I could reacted XXXX XXXX again immediately complained I never had acct with yall its fraud once again the credit burea took it off now again XXXX there sayin theres multiple accounts in my name I complained again said how when I never had XXXX before the guy on the phone from XXXX then tells me that someone used my info I said thats fraud he tells me a female used my info and there policy is if someone has somebody info then there allowed to go threw service I was furious like how this is my life my credit fraud how can yall let them do that he said because they had my info something needs to be done about this the credit bureau gave me yall info told me reach out ASAP to let yall no whats goin on so something could be done about it please let me no what steps I should take or do to stop this from keep happening thanks a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect discharge date on bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint about a credit card showing up on my credit report. 
First Horizon says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from First Horizon indicating that I am an Authorized User. 

If First Horizon states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I needed to wire {$25000.00} from my XXXX  XXXX XXXX account to XXXX. A few of my customers recommended in the past to use the service of a company - TransferWise Inc. so I  checked their website - they promote their fast, reliable service with a good exchange rate. I set up an account with them and wired the funds to their XXXX XXXX account. I received a confirmation email that same day that they received the funds and that it should be delivered to the recipient on Monday XX/XX/XXXX. However on Monday the recipient contacted me that he did not receive the money. I quickly tried to sign in to my TransfeWise account and track the payment, but to my surprise I couldn't - the information there stated - account was deactivated by TransferWise. Nobody informed me about this, I did not receive any email or phone call. So I quickly contacted their customer service at XXXX and also XXXX but the representative just said, that he can see the account was deactivated, but he doesn't have the access as to why and that he can not help me. I asked them for a phone number to a department that can help me and he said, that their Appeals Department doesn't have a phone number only email XXXX and that I should email them and should get a response in about 10 business days???!!! Also he added that he wishes me, ,Good luck '' as to getting my money back. At that point I got really scared and quite helpless. I'm emailing them every day to XXXX and also XXXX to get an information, when they will return the money to the originator 's account since they were not able to transfer them to the recipient in XXXX. They requested unnecessary detailed personal information from me - my bank details, bank statement, over the email! Why do they need it? They received the wire transfer from me, so they are able to return it to the originator 's bank account without this information! They keep repeating in their emails that they don't have access to my deactivated account information, refund should take 2-3 business days ( it's been over a week now ) and they advise me to talk to their appeals team ( they've never contacted me nor replied to my emails ). I did also a little research on them and found online many bad reviews and complaints of people with the same problem as mine- that they deactivated their account and some of them claimed they never received their money back. This is not normal! How can they be in the business - nonexistent customer service, it seems like a fraud. They are holding my money with no information whatsoever. It's been over a week now. This is the information I found on the California Department of Business Oversight website about this company and I also filed a complaint with DBO : License # : XXXX Institution Name : TransferWise Inc.Officer Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX Office Key Consumer Links Consumer Alerts Consumer Advisories File a ...
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX that I sold in XX/XX/XXXX. In XXXX of XXXX I sold the business property where all my bills got sent to. My XXXX had made arraignments to have the bills sent to my house. I did not get any bills sent to my house so I figured she was still getting them. I did not use the card as frequently because as I stated I sold my XXXX. In XXXX I was out of state and tried to use the card it was denied. I called the card company ( XXXX  XXXX  Visa ) Elan Financial Services to find out why it was denied. They stated I was 32 days past due. I said how can that be I have not received any bills and why did you not call me or email me surely you have to have by business number, this is a business card. The card was taken out in XXXX when I purchased the business from my partner and became an LLC. They said they called the number on file several times. I asked them to give me the number they called. It was not any number I recognized. They got abrupt and said well we called that number several times and left a message and the card was on hold till they received a payment. I had my bank account number and routing number and paid it in full electronically. I called the number they had on file a machine answered with this message Hi Im XXXX I am not at home please leave a message. I recognized the voice of my ex-wife. We have been divorced for over 18 years and had no way of knowing her phone number. I called the card company and spoke to a supervisor ( XXXX ) telling him the facts of the case and asked how did my ex-wifes number got put on as my credit card contact number. He did not seem to give a damn and said I should have realized that I was not receiving any invoices. I said there was the confusion with the address change you could have called my business number or sent the bill to either the old address or the new one, you did neither and arent you the slight bit curious how my ex-wifes phone was used as a contact number. His response yea thats strange. I have been in contact with Elan many times to straighten this out. I asked that all the invoices be sent to me either through email or mailed to me so that I can review them. All they did was mail me a total amount owed without any break down. I called again on XX/XX/XXXX to find out why I have not received them. I talked to a person named XXXX and she said she could not email it but would mail me and fax them to me. It has been 4 hour and still no fax. 
I have paid these bills in full yet I have no way to verify if they are legitimate. This has been a nightmare I have always paid my bill on time every month religiously. I am asking the CFPB to step in and hold Elan responsible to correct this and to clear up what ever damage was done to my credit rating. I feel very wronged by this and feel powerless they seem to hold all the power without any responsibility or liability. 

Thank for your consideration in this matter, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  ( Account Number : XXXX ) This account has been inactive for approximately XXXX years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX  ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXX XXXX  ( Account XXXX : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I recently called transunion they told me they can not take off the fraudulent inquiries on my report. I do not know where they came from. I am a victim of an inquiry issue, and I need it removed immediately. Please help. This is the list of negative items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency has accounts listed on my consumer report that are extremely damaging to my consumer credit. Consumer reporting agency are in violation of FCRA and FDCPA. Consumer demand account XXXX XXXX XXXX XXXX be removed immediately as it show inaccurate information between each CRA without matching.
Product: Debt collection

XXXX XXXX XXXX Sold to Jefferson Capital a loan that did not exist