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

XXXX XXXX I sent {$4000.00} USD to a XXXX XXXX XXXX in XXXX. She was working for a XXXX XXXX XXXX XXXX XXXX. The money was for a XXXX XXXX. 
XXXX XXXX XXXX did not have the proper identification to receive the money from PayPal. I filed a dispute with XXXX XXXX, which put the money back into my account. So, I sent the money via XXXX XXXX to another individual at the XXXX XXXX so that it was available for XXXX XXXX. Here 's the problem, PayPal will not refund the {$4000.00} USD. I have spoken to several supervisors and always gotten excuses to not return my {$4000.00} USD. About two months ago, I spoke with a supervisor at PayPal named XXXX, she told me to send a document that XXXX XXXX  has closed the dispute and she would personally have my money returned ; I did that and no money returned. 
I then called PayPal and spoke with another supervisor named XXXX, he is now telling me that I need to contact XXXX XXXX XXXX and have her contact PayPal and have them return it from their end. I do not have contact information for her to do this. I made this know to XXXX. He said he couldn't help me. I lost my composure and hung-up on XXXX. Before I did I told him I was going to hire an attorney. But, as we know getting one to go against a company like PayPal is impossible. 
Also, every supervisor I spoke with, I requested to speak with a manager and was refused??? 
I am at my wits end with PayPal as they keep making excuses to not return my money. I even told them to return it and charge me a return fee ; that option was not available PayPal has successfully destroyed my banking with XXXX XXXX. I have had to use another bank to conduct my personal affairs. XXXX XXXX  has closed my checking account, they also want me to pay over {$3100.00}, I had over {$800.00} when they debited my account for over {$4100.00}. 
So, I am appealing to you for help in recovering my {$4000.00} USD  from PayPal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my enclosed credit report. 

I have never applied for Amex. It is inaccurate because I have never had Amex filed. I am requesting that this item be deleted to correct my file-15 U.S. Code 1602 ( p ).

Please investigate these matters and delete the disputed item as soon as possible. 

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

Experian has been reporting a XXXX XXXX Student loan on my credit report which has passed 7 years from the date of delinquency. the date of delinquency occured in XX/XX/XXXX and should have been deleted of my credit report in XX/XX/XXXX. It has been over 3 months and repeated attempts to get this removed from my credit report on experian has failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX  XXXXXXXX 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
Product: Credit card or prepaid card

There was a family member using my social security number and name opening credit card account. 


I did open the credit card but was stolen by a family member.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. I was once a victim of Zelle sending money to the wrong person.
Product: Checking or savings account

I opened a one-year CD online in XX/XX/XXXX under a PROMOTIONAL APY of 4.15 % for {$50000.00}. It was on their website several weeks in XXXX and XXXX. My statement reflects 4.00 %. I contacted Citibank 3 times to get this resolved. I contacted them on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this issue. This was a Promotional APY if you open the account online so I don't have anything showing the Promotional APY other than documenting the APY on my spreadsheet when I opened the account. Each time, they told me to wait for a reply XXXX days until they are able to review the case and get a resolution, but to this date, I've heard nothing back from Citibank. Each time I've spent over an hour on the phone with a customer service rep and a manager to resolve this issue. As of today, I've had no response from Citibank and will not spend any more time on their poorly run customer service.
Product: Debt collection

I have sent many disputes to the Credit Reporting Agencies and to Credit Collection Service in regards to their account that they are inaccurately reporting on my credit file. I have informed them many times that this account does not belong to me. But it just seems as if they are disregarding all of my letters. I have also sent them a Fraud Affidavit stating this and I did not hear anything from them and this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX aka XXXX. it is CURRENTLY OPEN & in good standing! TransUnion removed this account from my report. That is inaccurate because the account is open. it's also reporting to my XXXX and XXXX ( shown in the attachments ) accurately. tRANSuNION NEEDS TO PUT THIS BACK ON MY REPORT IN GOOD STANDING. Ive tried to fix this situation with TransUnion directly with no success. TransUnion had NO REASON TO REMOVE IT FROM MY REPORT. Attached : Proof that it is reporting accurately to my XXXX and XXXX Credit profile. TransUnion needs to update this account ASAP. If this doesn't get resolved like previously asked then I will proceed with legal actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. This inaccurate information is causing my credit score to decrease and making it harder for me to purchase a home. They have been paid in full and I have a XXXX balance. They have been reporting monthly collection statuses when theyve been paid. Balance still shows {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. A number of months ago I was a victim of identity theft, and had a number of accounts/inquiries start reporting on my Transunion credit report that were fraudulent. Of those accounts, specifically, a XXXX XXXX XXXX XXXX account ending in XXXX was deleted from my report- after sending in an Affidavit of Truth , exhibits, identity theft reports, etc. My credit report went back to how it was supposed to look- and the item was completely gone for about 2 weeks. Then I checked my credit one day and it was TANKED. I called Transunion and they notified me that XXXX XXXX XXXX had verified that the account was mine- after they had blocked it, so they put it back on. I immediately called XXXX XXXX XXXX, and XXXX assured me that this account was not mine, their investigation was 100 % complete, this was identity theft/fraud and that they had reported this repeatedly to Transunion- to no avail. I have attached proof of my claims today, as well as the proof that the item was DELETED completely off of my report and then put back on- fraudulently. I have since talked to XXXX XXXX XXXXXXXX yet again, who has assured me that this is 100 % Transunions fault and that their systems and processes often take months behind all other reporting agencies to update accurate information. This mishandled situation has cost me numerous business opportunities, has tarnished my name and reputation, and has ruined my credit score- which used to be close to XXXX before this fraud occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within my equifax credit report I have a hard inquiry from XX/XX/2011 that has an incorrect name that I did not make. The inquiry is 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: Checking or savings account

I had a Wells Fargo auto loan since XXXX. I paid off the loan in full on XXXX. A few weeks past and the bank took my payment after I officially paid the car loan off by bill pay. I got the run a round that it was the bill pay responsibility, Bill pay informed me that it was the auto departments responsibility. Auto department stated that it was ACH departments responsibility. Finally, I had a customer rep filed a claim on my behalf. I was able to receive my over payment of XXXX back to my checking account on XXXX XXXX. I also received a letter from the banks auto department that everything is paid in full and I have the title of my vehicle. On XX/XX/XXXX, I received in my checking account the monies that I had paid in full. I tried by phone for several days that the money in my account was not mine. They gave me the run around and cut me off the phone. I went to the Wells Fargo branch near my home. Today, the branch manager assisted me for several hours explaining to them that the money in my account is not mine. She even explained of the letter from the auto depart. They were not cooperative. The auto department stated that they were not going to take away any fines and interest. The auto department is being unethical and having me pay interest of XXXX for receiving the money back and having it for three days.
Product: Credit reporting

I recently initiated a dispute with Equifax, at this time I have not received a final response. XXXX aka XXXX has placed a collection on my account with all 3 of the credit bureaus for an account that was paid in full in XXXX. The original account was with XXXX, and I paid XXXX the balance of {$100.00} in XXXX XXXX must have purchased the collection after I had paid it off. This collection has not been on my credit report. I have a report from XX/XX/XXXX and XX/XX/XXXX, and this account from XXXX, is not on these reports. I also have had service with XX/XX/XXXX since XXXX, under the same social security number. If I had an open collection, XXXX would have denied me service. This account was paid in full in XXXX. I believe that XXXX has performed an inquiry on my credit report, and sees that I am shopping for mortgages. I believe that this account has been posted as an attempt by them to make money on an account that has been paid for years.
Product: Debt collection

General Collections has been taking the same amount of payments out of my account every Monday as agreed upon. Today I received a notification that the payment did not go through as they were not using the correct CV code the notification also came up right after that one a payment for double that amount that came back as insufficient. I only use this account to make that payment once a week and I only keep enough to make that payment weekly in that account. When I seen XXXX was attempted 20 minutes after they tried to take a XXXX dollar payment out, I had called and asked why they thought this was ok, they proceeded to tell me that a new person was running the payments it was just a clerical error however, if they tried for XXXX and turned around and tried for XXXX that would not be a clerical error. she had no response back. I don't find this to be trust worthy nor ok.
Product: Money transfer, virtual currency, or money service

Wire sent XX/XX/2023 to beneficiary in XXXX with Name " XXXX XXXX XXXX XXXX XXXX '' in amount of USD XXXX. Beneficiary name is important because we have done this before without issue. Beneficiary says " money has not arrived because you entered our company name incorrectly in the remittance field ''. The only difference in the beneficiary name is the last characters " XXXX, XXXX. '' not added due to field limitation. Besides the characters in name too long for field, the characters comma and dot are not permitted. However, we have not had this problem before using beneficiary name. XXXX XXXX. XXXX was created with Wells Fargo bank XX/XX/2023 and was to provide status in 5 business days. Wells Fargo bank said they would send " message '' to bank to correct beneficiary ( I think something else is going on since this name has worked before ). No such acknowledgement was received for case created or status. Further visited Wells Fargo bank XX/XX/XXXX and called XX/XX/2023 without result or accepting to provide acknowledgement of a case but do have record of the case.
Product: Mortgage

We tried to modify XX/XX/XXXX, received modification paper work XXXX XXXX which said trial payments to start within next 2 weeks. 
Ocwen notified us that we needed to resubmit paper work. 3 times over. 
We requested telephone transcript to prove this delay. 
This delay was solely due to an arm increase occurring XX/XX/XXXX the same date that ocwen wanted trial payments for XX/XX/XXXX. 
Ocwen never sent us what modification would cover, until XXXX, XXXX and XXXX XXXX. 
Our account statement ocwen provided in XXXX was completely different than there reconciliation history where they hid excessive. Fees, charges,
Product: Debt collection

Yes I was charged monthly and still am after being cancelled by usaa XXXX XXXX they wouldnt give me a new policy because I moved out of state to XXXX XXXX XXXX then after I went with XXXX they reinstated my policy and keep billing me for another state
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my Experian credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. 

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

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

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

I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show an inaccurate address, where I never lived : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, Md. XXXX. I have never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late remarks are sporadic. One account, XXXX, the OK payments was followed by CO remarks. XXXX also reports late though there are no late remarks to prove it. THis is really getting out of hand. I have been disputing them for the longest time. Please help me get rid of those inaccurate accounts.
Product: Debt collection

Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.
Product: Credit reporting or other personal consumer reports

I am very DISTRESSED that Equifax Credit Reporting Agency is in violation of FCRA 602 which states I have a right to PRIVACY, and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 
Equifax according to these laws is in violation for reporting Trade : XXXX XXXX account without my PERMiSSION, CONSENT, nor any WRITTEN INSTRUCTIONS from ME. 
The LAW FCRA 604 ( a ) ( 2 ) is very clear that Equifax had no right to PUBLISH/ FURNISH this XXXX XXXX account without my WRITTEN instructions. I never gave Equifax any type of PERMISSION to FURNISH/PUBLISH this account on my credit report. 
Delete Trade : XXXX XXXX from my Equifax credit report IMMEDIATELY!
Product: Credit card or prepaid card

I made a call to my credit card company today XX/XX/2018 but struggling to pay for my card if their is a promotion on my card if the interest the percentage on my card will be reduced and the lady that was on the other side didnt give me options she asked me about my income and experiture which I told her I dont know because the numbers will be give her will not be correct and she keep pushing and pushing and at the end she told me my account is going to be block and Im going to have a bad credit record but I have to keep on paying them. I told her no this is not why I am going I was calling if my interest will be reduced or if there is going to be a promotion on my card I can still be able to continue to pay but MBNA credit card costume will not listen to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX , Harris & Harris, XXXX, XXXX XXXX, XXXX XXXX XXXX. I looked at all three credit report agencies XXXX, XXXX, XXXX on XXXX XXXX, and noticed are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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.