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

PayPal and XXXX. 
Here is the story in details, and I am seeking justices ...... 
What happened that I have bought two items from an XXXX seller. I paid for these items using my PayPal service. But when the time passed and items was not delivered in the time frame I waited another week but I never revised the goods thus I did submit a request for full refund, XXXX ask me to wait little-bit longer even though I did wait more then I supposed, when I discovered that the tracking number was fake I decided to contact PayPal to help, but did notice that PayPal service keep postponed the respond to my case, every time when the decision date comes from them to make the final say the extend the time frame without any concerned that there is a time of essence, noticed that after I send them a compliant clearly indicate that what happened it goes against the Business code of ethics that set to be the guiding principles and sure it was created to ensure that all business organization and its employees to act with honesty and integrity in order to complied with the Business code of ethic, what happened that PayPal react been more hostility after receiving my complaint and on purpose keep extend and delay the decision day showing complete challenge against me believing there is nothing I could do to force them to be fair when dealing with victims like me in that case since we used their service for protection as they claimed to be, but the injustice was obviously shows in their response. This unfairness must have an end.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XX/XX/year> Spoke with Customer Service - XXXX minutes Outlined the issue, Escalated through multiple tiers, Reps : XXXX, XXXX, XXXX Requested a transcript of the call ; reference # XXXX Told that a supervisor will make a decision and contact me back. 

XX/XX/year> Spoke to Customer Service - XXXX minutes Outlined the issueXXXX M & T Rep : XXXXXXXX apologized. Saw that no one attempted a call back to me .. and repeated the process. Told that a supervisor will make a decision and contact me back. Requested a transcript of the call ; asked to be recorded ; made payment over the phone for " good faith ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion XXXX -- - XXXX XXXX XXXXXX/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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/19 I was made aware of two accounts on my credit report that do not belong to me. The account names are XXXX  XXXX XXXX and XXXX. Neither of those accounts belongs to me. I did not open them and I never gave anyone permission to open an account in my name. I am still trying to figure out who is responsible for stealing my personal information to open these accounts but for now, I have filed a police report. I never made any payments or purchases related to these accounts nor did I ever gain anything as a result of those accounts that were opened in my name. I am willing to work with law enforcement to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful
Product: Money transfer, virtual currency, or money service

I had multiple unauthorized transactions made on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a Dispute with Credit Bureaus for Asset Care, LLC on XX/XX/2023 which did not remove a Medical Collection stating I owed {$800.00} to XXXX XXXX XXXX. I sent the company a letter on XX/XX/2023 detailing that my health insurance co-pay for emergencies is {$500.00} and asked to see a detailed accounting, the signed contract/promise with my signature and the Chain of Title from XXXX XXXX XXXX This is an In-Network hospital and I also pay XXXX the XXXX of every month. I never received the information I asked for but I did receive a letter from Asset Care, LLC on XX/XX/2023 stating they SOLD the Account! My credit report still shows a collection from Asset Care, LLC as of today. I need your help in removing this one and only collection from my credit reports. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX & XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
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 : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX Employers : XXXX XXXX Late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiries : XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2018 I received a bill for XXXX from Chase XXXX XXXX XXXX credit card. I called them at XXXX and was told it was for a annual fee that I got the first year for free and after that it automatically charged my credit card XXXX. I was told a bill was sent XX/XX/XXXX but I did not receive a bill. An interest charge of {$.00} was added to the XXXX charge because I didnt pay the bill in XX/XX/XXXX. Absolutely no communication was sent to me prior to the charge. I dont have this card and if I was going to be charged for a fee I wasnt aware of it. The guy I spoke to said it was in the fine print in the paperwork that came with the card over a year ago. Ive never used it and didnt know I even had it. When I try to setup an account online it asks for my social security number and I dont feel comfortable giving that out. When I said I wanted the card cancelled, I was told Id still have to pay the {$49.00} since it was more than 90 days when I called them. So they agreed to cancel the card but I still had to pay the {$49.00}. So Im paying for something I dont have. Can anything be done
Product: Debt collection

I was a resident of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in XXXX of XXXX to XXXX of XXXX. My partner and I moved out on XX/XX/XXXX because I had lost my job and my partner bought a home ; however, I gave a notice of two months to the apartment manager. I turned the keys in on XX/XX/XXXX and gave my new address. At that point, management had quit including two staff and only a new girl was at the front. The apartment was cleaned, carpets cleaned and vacated. I was told I was good to go and the apartment was in great shape. Fast forward and in XXXX I received a move-out notice months later but I had already moved out and was told the apartment was rented. Then in XXXX of XXXX as well, I received a notice to vacate with instructions and the total amount due. I sent two emails requesting feedback as I was confused. I called and no one answered or responded ( I have documentation ). Then an {$8000.00} debt showed on my credit and when I reached XXXX billing they told me the XXXX was purchased and probably made a mistake with the confusion and lack of management. This is a serious allegation and a large debt that is completely accurate. I have never left an apartment abandoned and was a good-paying tenant. I am now having to hire an attorney because this is false and inaccurate information. I was able to speak to someone at the previous company, XXXX and they have no record of anything. This is false information that is affecting my livelihood.
Product: Credit card or prepaid card

I spoke with Bank of America in XXXX and told them that I had been dealing with unemployment due to COVID, but would be starting a new job in XXXX. In early XXXX, a payment didn't clear my account and I immediately made a payment from my new account on XX/XX/XXXX. On XX/XX/XXXX, Bank of America closed my account without any notice after 17 years with them. A phone call, an email, a secure message or anything else would have stopped this. But I did not know I was even at risk of having my credit card that I have had for 17 years cancelled. At the time they closed my account, I was not delinquent and I currently have made my next payment. 

When I called them after receiving the letter about my cancellation, I spoke with one of their representatives who told me that my card was eligible to be reopened, but she needed to transfer me to a different department. That department informed me that there it was not possible to reopen credit cards and I would need to submit an application for a new card. 

This is ridiculous and credit card holders should be given some protection from having their card canceled with no warning and should not be lied to by their representatives about options. COVID has been hard on many people and FI 's are extending the struggle by taking actions that will stay on a credit report for years to come.
Product: Debt collection

I have found this on my credit report. I do not know what it is for.
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.
Product: Mortgage

I have previously filed a complaint with CFPB about my lender, Rushmore Loan Management. My payments were paused during COVID and I have been trying to restart my monthly payments. Rushmore has been demanding that I pay the lump sum they say is due ( {$49000.00} ). 

I mailed them a {$1900.00} check ( roughly a monthly payment ) to attempt to restart my monthly payments and they returned it to me. I complained to CFPB. Rushmore 's response to CFPB claimed they had sent me a Partial Claim Agreement that to resolve the issue and that I needed to complete it and pay {$1800.00} by XX/XX/XXXX ( bear in mind they had also just returned {$1900.00} to me ). However, I did not receive that. From their response provided to CFPB ( attachedXXXX XXXX  ), it appears they sent that to the property address rather than my address ( I live out of state and they know that, as you can see from the bill they did send me, also attached here ). So instead of receiving that, I have again received a demand ( attached ) for the full $ XXXX by the end of the month. The CFPB site specifically says that people who were in Covid forbearance do not have to pay lump sums to exit the forbearance. Yet Rushmore is continuing to send me bills demanding the lump sum while misrepresenting to CFPB that they are offering me alternative options. I just want to get back to monthly payments and Rushmore is not attempting in good faith to help me do that. Please help!
Product: Student loan

Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report a violation of federal privacy laws, including the Privacy Act of 1974, FERPA, and the Higher Education Act of 1965. Recent evidence shows that XXXX XXXX and unauthorized entities accessed borrower records, including my FAFSA data, IRS tax records, and personally identifiable information ( PII ). 

What I Am Requesting 1. A formal investigation to determine the extent of this breach and whether my records were compromised.

2. Fraud monitoring and protection for affected borrowers, including myself.

3. Immediate steps to prevent misuse of compromised data. 

This breach has raised serious concerns about the security of my personal and financial records. I expect your office to investigate and ensure that borrowers are protected. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to the chase bank branch in XXXX XXXX XXXX XXXX XXXX, XXXX, NY last XXXX to close my bank account. Its a checking account. The banker who served me is name XXXX XXXX. He just gave me a confirmation that he starts to close my bank account, but XXXX week has been passed I still dont receive any confirmation or notification from chase that my bank account is closed. All my deposit has been taken out since last Monday in that bank XXXX. I sent the banker several emails last week to ask what is going on to my account, the banker refuse to respond to my email since last Monday. I sent an email to the chase bank customer service last Friday to complain about that, the company doesnt reply my email either. XXXX concerned if the bank is going to use my bank account to do any illegal things. I dont understand why he refuse to respond the email of a customer. I also told the banker that card is destroyed last Monday.
Product: Debt collection

I Joined a gym, Later I wanted to go for personal training in the same gym and I consulted for that. I signed up at the gym for personal training sessions and while signing none of the information about the 30 day personal trainer cancelation was informed, only 30 day cancelation for gym was informed. i asked still they denied that there is no 30 day cancellation for personal training sessions. the personal trainer was not doing enough sessions as mentioned and multiple other things were not according to the agreement mentioned while signing up at the gym and other reasons with the gym i canceled my gym membership. weeks later, I received a mail from a collection firm regarding a debt of {$1400.00}. I reached out to the firm and they mentioned that they are attempting to collect the debt of {$1400.00} on behalf of a gym membership. I Informed the debt collector that the amount is wrong and I have no Debt with the gym, i cleared everything before i left the gym. I tried to explain the debt collector the situation and also mailed the email thread that I have with the gym. After a few days of mailing the documents. I again received a call to pay the money, And no one even confirmed if they receive the mail. Instead I am just constantly asked to pay the amount, if not this will be reported on my credit. I requested a lot of times if I can speak to an adjuster or a negotiator or someone who can help me dispute this issur because this is a wrong amount. 
I received no help. Instead I was said if I don't pay this would be reported to the credit.I can not pay such a huge wrong bill. I tried raising a dispute and was not taken into consideration. Please help me and guide me with this situation.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX XXXX XXXX Date by using the Wise.com money transfer application. 
They did not send money and not cancelling my transaction. 

Wise US Inc. is a licensed money transmitter in Georgia 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 www.wise.comXXXX.

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Product: Credit card

Attempt to collect a debt ( no debt owed ) on a credit card from XXXX
Product: Credit card

I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$2500.00} as income. This is false, I did not receive that amount. I only received {$1000.00}. Now that I am filing my taxes, It looks like I received {$2500.00} when in fact, {$1500.00} were attorney fees, paid directly to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.