23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a Delta Skymiles Credit Card with American Express in XX/XX/XXXX.  A promotion was offered of XXXX Skymiles upon using the credit card for {$1000.00} in purchases which was achieved in XX/XX/XXXX. 

It was discovered in XX/XX/XXXX that Am Exp issued a second Skymiles account for me ( in addition to one that Delta already issued ), and Am Exp merged the Skymiles account at the end of XXXX in order the the bonus of XXXX miles to be awarded properly. 

Am Exp is now telling me that I the problem getting the XXXX Skymiles is a problem with Delta, not with Am Exp. I can not get Delta on the phone ( over 2 hour wait for a call back, and they never call back ). It seems to me that if Am Exp is a partner with Delta, they should be able to work out whatever process issue they are  having to get the XXXX mile awarded.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and and unfair practices, which violated the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on m their platform, leaving my account vulnerable and unprotected. Furthermore the dispute resolution requirement process was unfair and deceptive, as they did not comply with error resolution requirement under electronic fund transfer at ( EFTA ) and Regulations E. These actions has cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I placed an order on XXXX using PayPal as my payment method. I had explicitly set my preferred payment method to be my credit card, as is my right as a consumer. After making this change, PayPal provided a clear confirmation by email ( attached ) that my credit card would be the payment method used for online transactions. However, once the transaction was processed, PayPal charged my bank account without my authorization. I did not give permission for PayPal to charge my bank account, and I specifically ensured that my credit card was selected for this transaction. This is not the first time I have experienced this issue with PayPal. 

This is part of an ongoing pattern of behavior by PayPal, where they charge the consumers bank account even when the preferred payment method is clearly set to a credit card. This is both serious and fraudulent, and I believe PayPal engages in this deceptive practice to save on transaction fees. It appears that PayPal may be prioritizing its own financial interests over the choices and preferences of its users. 

This is a warning to all PayPal users : DO NOT link your bank account if you plan to use PayPal for any purchases. PayPal has demonstrated a pattern of charging bank accounts, even when users have selected their credit cards as the preferred payment method. This is fraudulent behavior, and consumers should be aware of these risks. If you use PayPal, consider removing your bank account entirely to prevent unauthorized charges. 

PayPals practices are unacceptable, and I urge other consumers to exercise caution when using their services.
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 within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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 federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AFFIRM INC-PNKE**** -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat-out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief, you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Product: Debt collection

XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided. 

Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX. 

Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed. 

Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation... 

They are reporting Number of months terms to XXXX. 
The last date active is reporting differently for all three credit agencies. 
The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX. 

How much more needs to be inaccurate for me to be taken seriously and these to be removed? 
This is damaging my character and causing me to be denied from obtaining credit.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a membership with www.experian.com to check my credit scores. I canceled the services XXXX months ago. As of today XX/XX/2019 this company has continued to charge my credit card {$30.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have 3 mortgages with BMO bank. There is also a checking account at BMO that I transfer external funds to that serves as a settlement account for mortgage payment. The mortgages were transferred to BMO after BMO and Bank of the West merged. Loans were originated with Bank of the West. Payments have always been on-time. 

Last month, XXXX of XXXX, the BMO website suddenly began not recognizing me as a user. This has persisted until today, XXXX. I can not login. When I attempt to login in, it says " Hmm. The information you provided doesn't match our records. Try again? '' The website address is https : //usdigital.bmo.comXXXX XXXX XXXX When I attempt to reset my password by entering my email and correct social security. number, the website responds : " Hmm. That information doesn't match our records. Try again? '' This suggests that my online account has been disabled. I also tried using my husband 's social security number to no avail. 

My email is clearly correct and exists on BMO 's records because I continue to get email confirmations of automatic transfers that were set up months ago. My social security number is also correct. 

I attempted to call BMO 's phone number but it immediately asks for my account numbers after verifying my social security number. However, I need to be able to login to see my account number. Without account numbers, there is no way to progress on the call. There is no option to speak to anyone. Eventually, the automatic call disconnects me because I can not produce an account number. 

I currently have no way to pay my mortgages which are now due for XXXX. Entering a physical branch is not possible at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt they signed on XX/XX/XXXX. Also, a copy of the original letter and the document supporting my dispute. The law stipulates that Experian must investigate within 30 days of receiving my letter and responded within 5 days of completing the investigation. THEY HAVE NOT FOLLOWED THE STIPULATIONS OF THE LAW.
Product: Debt collection

This complaint is for Pinnalce Debt Collection in XXXX. I have tried to explain to them that I sold my timeshare to XXXX XXXX XXXX, a realtor in XXXX XXXX California. license # XXXX. After purchasing my XXXX XXXX timeshare, he has failed to make the maintenance fees. Because of his not paying the monthly payments, this debt collector is contacting me for payment. I had a sales contract and he paid me for the XXXX XXXX timeshare. That was three years ago XX/XX/2021! I just want this to be over! It's as though he has defaulted on his end of the contract. According to XXXX XXXX, he has never changed the ownership name from my name to his. Changing the name and assuming ownership was in our contract. I have contacted him many times about this. He keeps telling me he's working on it. After three plus years!? I have a hard time believing he is willing to loose the amount of money he has invested.
Product: Debt collection

On XX/XX/XXXX XXXX A & O Recoveries has sent a letter in the mail and this letter does not include any verification that this account belongs to me. I have no knowledge of this account and have contacted the company. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, A & O Recoveries has violated my rights as a consumer and I am requesting legal action to seize all collection activities and future communication.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX   indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

Mortgage loan XXXX had resigned from Citizen Bank in XX/XX/XXXX after that there is no connect with Citizens Bank being high value loan customer. 

From XX/XX/XXXX I am being sending emails asking for extension of loan due to builder delays and also asking to know my loan XXXX, a concern on releasing additional amount to builder with out information and closure formalities. 

I sent emails on XX/XX/XXXX, XXXX, XXXX, XXXX asking/seeking help. 

I raised a complaint about my issue through loan account and there is no response. 

I have called several times to number XXXX XXXX, XXXX and most of the time the calls will get disconnected as soon as agent comes available after XXXX minutes of waiting. Or I get circulated to different departments. 

I even chatted with live agent and explained my problem, they finally asked me to go through the ph numbers listed. 

However, I see quick responses and phone calls between loan disbursement person and builder. 

My experience with Citizen Bank Mortgage loan department is really horrific and nightmare after the best person left the company in XX/XX/XXXX.
Product: Checking or savings account

Massive illegal unauthorized fraudulent transactions and charges to all of my accounts. Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent illegal transactions and charges despite XXXX  police report XXXX and other evidence so I have requested statements for all of my accounts in 2019 so I can give them to local and federal government bureaus and agencies to get their help to get Wells Fargo Bank to accept responsibility for the illegal unauthorized fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE '' PayPal closed my account for no reason and will not help me to get it back up and going. I am not sure if this is some mistake as I assume it has to be. I currently have more than XXXX XXXX dollars in the account, and they won't let me take them out. They sent me a message saying they are holding my funds for 180 days. 

I have messaged them often and tried to call their customer service line several times, but all I get to is a recording saying, " we can't help you over the phone. '' I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job correctly, and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Thanks XXXX
Product: Debt collection

On XX/XX/2018 XXXX XXXX indicates that an account or debt was owed by me in the amount of XXXX. This is not correct and I have not been to a XXXX XXXX XXXX XXXX as it is for children. I am close to XXXX years old and I am not eligible to be seen at these types of clinics. The company has posted that I owe this debt and it is on my credit without trying to contact me in any way. I found out about this just a few weeks ago when it landed on my credit. I could of paid long ago if I knew about this to avoid hitting my credit even if it was not me. I have contacted the company and they were suppose to send me medical records and statements on what I was seen for and if it even was my complete information. I have not received anything from XXXX or XXXX XXXX XXXX. I would like to also add that if my medical information has been compromised wrongfully by this company and I would have HIPAA initiate an investigation on how this occurred and if all companies are following the HIPAA Laws and Regulations.