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

Today, I learned about an unlawful policy that was put in place by PayPal. This policy calls for PayPal to place and maintain a hold on the transfer of funds ( from the buyer of a product to the seller of a product ), even when both parties agree that no additional performance is due and that the funds in escrow should be released. This policy is a clear breach of fiduciary duty by PayPal and can not be excused as a reasonable impairment of a sellers right to access their funds : especially if the parties agree that delivery has been made and that the buyer is happy with the good/service that was provided by the seller in exchange for valuable consideration ( i.e. the money that was put in escrow by the buyer to be turned over to the seller upon delivery ). The unreasonableness of maintaining a funds transfer hold in such situations has been explained to PayPal via telephone and email by this complainant. Please investigate, and sanction, PayPal for a willful breach of their bailment contract with sellers, a willful breach of their bailment contract with the buyer, their trespass to sellers XXXX & XXXX.
Product: Debt collection

A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.
Product: Credit card

On XX/XX/year>. I recieved a new credit card from care credit despite I didn't apply for that. 
Ofcourse, it impacted my score hardly, in mean while I need it these days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, XXXX and Experian on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my report. 

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.
Product: Credit card

At XXXX XXXX today I received an alert from XXXX of a hard inquiry on my account from Bank of America that I did not authorize. I froze my XXXX credit bureau account and XXXX Bank of Americas XXXX XXXX. At XXXX XXXX Bank of America XXXX the application for a XXXX XXXX XXXX credit card was flagged as fraudulent and that it would take XXXX days for the flag to get to the credit bureaus. I then froze my XXXX and XXXX credit bureau accounts.
Product: Debt collection

The collection on my credit report are inaccurate my identity was stolen and compromised Ive disputed numerous times and called to resolve
Product: Checking or savings account

On Friday, XX/XX/XXXX, I received two pending transactions from XXXX XXXX on my account that I didn't authorize. I filed a dispute with the bank ( BB & T ) as well as with XXXX XXXX as soon as possible. 

Thursday, XX/XX/XXXX, I received a XXXX XXXX debit card that I hadn't requested. I let XXXX XXXX know, and they were able to trace the card to the account that was opened using my information. They closed the account and told me they would work with my bank. 

Friday, XX/XX/XXXX, my bank told me that they closed my dispute and I wouldn't be receiving my money back. I told this to XXXX XXXX, and they told me they wouldn't help me either. I'm currently at a loss, even though I can show that I didn't authorize these transactions.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX  days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

XXXX XX/XX/year> I received an Initial Notice - debt collection email from XXXX which is associated with Radius Global Solutions , LLC.

Within the email contains details of an alleged debt.

Radius Global Solutions, LLC has violated FDCPA ( specifically : 15 USC 1692g ) as the initial notice fails to provide any information on the right to dispute the alleged debt.

Furthermore they violated CFPB regulation 1006.34 by failing to correctly itemize the alleged debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.
Product: Payday loan, title loan, or personal loan

During XXXX - XX/XX/2020 I was dealing with multiple COVID19 related family issues. During this time one of my electronic payments did not go through to my HELOC account that I have with Huntington National Bank. I am certain it was an error on their system but they keep telling me there is no evidence of it. They also keep saying I do not qualify for COVID19 related issues and that time period has passed. 

At the time I was unware that the payment did not go through. I did not find out there was a missed payment till I went to go back and pay next months payment. This missed payment went on my credit report without my knowledge. I have called Huntington to ask for them to remove it given the circumstances of COVID19 pandemic and their system error however they keep refusing. I worked over a decade for a good credit score and never had a missed payment. I now make 2 payments a month of the Huntington Account so they cant XXXX me over again. 

My original loan during that time was in forbearance to help me make sure I can make other payments for necessities specifically related to COVID19. On my mortgage I took out 6 month delayed payment plan because of this. I did not take out a delayed plan for a HELOC I have had with HUNTINGTON NATIONAL BANK because I thought I would be able to pay and keep track of those payments. I have and continue to make payments but keep getting denied any possible resolution from service agents for the Credit related miss payment. I have sent letters of goowill and get sent phone numbers to go right back to service agents who say " You're issue does not qualify for COVID19 resolutions '' or " You'll have to send a letter to XYZ address ''. I also get told to take it up with the Credit agencies because theres nothing they can do.
Product: Checking or savings account

XXXX XXXX  to XX/XX/XXXX XXXX {$6700.00} $ XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX $ XX/XX/XXXX to XX/XX/5894 $ XX/XX/XXXX XX/XX/XXXX XXXX These are the dates of some of the withdrawals that I didn't make or authorize for.anyone to make. Please see attached photos..
Product: Checking or savings account

Navy federal allowed my account to accessed and two additional checking accounts opened and overdrawn consecutively. When I informed of the this transactions not being authorized. They still told me I was responsible closed all my accounts and still held me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I may have been affected by the recent data leak of Equifax. As a precaution I will be submitting this complaint against Equifax on X/XX/2017. I will be taking other actions against Equifax to the best of my ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus Exerpian, XXXX, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Product: Checking or savings account

1. ) I tried to open up a checking account. 
Relevant : I would like an account where I do not have to keep a minimum of {$1500.00} in the account just to avoid fees. 
2. ) My application was rejected. 
3. ) The reason was unstated, but it is presumably because I use a USPO Box for my address, and I live in my vehicle. Mail is undeliverable within a Vehicle. 
4. ) I've had the exact same mailing address for many years, the same phone number for over two decades. Even when I resided in a nearby apartment building I used a PO Box because in CA rents can double overnight ; housing is very scare. People move a lot. 
5. ) This address is accepted by Social Security, XXXX, my long-term credit cards, my car insurance, Registrar of Voters, three credit reporting agencies - with 40+ years of records available - XXXX  , my paid cell phone company, all contracts ect. 
6. ) I have a very good credit rating - XXXX with XXXX. - and have never been late on a bill. I pay off all of my balances each month. 
7. ) Therefore I should not be denied the opportunity to open a checking account.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach, which has left my personal information vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1300.00} 2. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$9200.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$400.00} Inquiries : 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  XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

Transunion and XXXX have the same debt listed under XXXX different collection agencies. Transunion Reports XXXX XXXX XXXX and XXXX reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
Product: Checking or savings account

In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.
Product: Mortgage

In XX/XX/2022, our mortgage servicing company, Specialized Loan Servicing ( SLS ) withdrew {$1700.00} from our escrow account. These funds were supposed to be transferred to XXXX ( our insurance company ) to pay for our homeowner 's insurance. Instead, SLS wrongly disbursed these funds into the bank account of a third party who is not affiliated with XXXX. Since XXXX did not receive these funds, we had to pay XXXX out of pocket in the meantime. 


Because SLS lost our {$1700.00} through their own negligence, we have asked SLS to refund these funds to our account. Despite repeated and exhaustive efforts on our part -- including at least 9 documented good-faith attempts to reach out to SLS over the past 7 months -- SLS has repeatedly refused to address our complaint and issue a refund. We believe their customer service has been willfully misinterpreting our complaint in order to avoid having to pay for their error. 


We are asking that the CFPB assist us in securing a refund, to our escrow account, of the {$1700.00} that SLS lost by disbursing to the wrong party. Since we have exhausted other avenues of outreach to SLS, we would greatly appreciate your assistance with this matter. 


We have attached copies of our recent correspondence with SLS, which details the extensive ( and unsuccessful ) outreach attempts. As you can see, SLS insists their check was deposited -- which is not in dispute -- and ignores the crux of the matter, which is that their check was deposited into the wrong account, causing us to lose the funds.
Product: Credit card or prepaid card

I spoke to a supervisor at American Express from the XXXX Texas oce who on XX/XX/2023 conrmed that American Express back oce knew they were in violation of their terms and conditions which state Foreign Transaction None which I can send a copy if requested, but they intend to continue to charge these fees to all their customers regardless of their terms and conditions. I also have copies of three different correspondences from American Express which I can also provide that clearly states that they do charge a fee of XXXX on any foreign transaction. One letter states The converter results do not include the American Express conversion fee. the second and third letters state Please note that American Express uses a conversion rate that is effective within 24 hours of the time the charge is processed plus XXXX percent of the converted amount. They are overcharging all their customers as a group in the millions of dollars which is an estimate but realistic and will continue doing so unless a stand is taken by your agency and are able to force American Express to repay all their customers all the overcharges, for all long as they have followed these illegal practices. You have my phone number, please have someone call me in the managerial status to discuss further and provide me a portal to send the evidence.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, 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 have violated my rights. On XX/XX/year>, I reviewed my Transunion credit report and discovered various instances of incomplete and inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ).

Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file.

Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
Product: Credit card

I applied for a Sams Club Master Card when I became a member. I was excepted and given a temp. card, and told I 'd receive a regular card in the mail 7-14 days. After waiting 23 days I called. It was prob about XXXX min before I was able to talk to someone instead of the computer. I explained I never received my card and they tell me it was sent out over XXXX wks ago. I told them to cancel it and send me a new XXXX cause I never received it. Everything seemed good ... ..I was wrong. This time I waited 15 days and nothing, so I called again. I asked if they sent my " XXXX '' card yet. ( After of course having to talk to the computer for XXXX min or more ). I was told that they had updated my address and a card was sent out a month ago. ( which would of been the XXXX card ). I explained that there was to be a XXXX ( new ) card sent because my first XXXX I never received and it was to be cancelled. I was then informed that they had not cancelled that first card and a XXXX was never sent. By this time I was so frustrated and worried now that the credit card that I was told " was '' cancelled was NOT and it 's out there somewhere! No wonder there is so much identity and credit fraud. Finally I told them to forget the whole thing and send me conf. that any credit card with them is cancelled. They have very poor customer service. When you call you have to talk to a computer for XXXX minutes and IF your lucky enough the computer does n't hang up on you it will then give you to a person. And now you have to start over with you problem / complaint. Beware of this credit card company!! Who wants a credit card company that you have to speak to a computer for several minutes answering question after question before getting a human to speak with ... .. NOT ME.