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

On XX/XX/2023, I made a payment for a service to [ XXXX XXXX XXXX ] via XXXX [ XXXX XXXX ], processed through [ PayPal ]. Subsequently, [ XXXX  XXXX XXXX ] informed me that their account had been closed by [ XXXX XXXX ], necessitating all customers to apply for a refund and re-pay using their new account. Acting upon this information, I filed a case with [ PayPal ] on XX/XX/2023, providing all necessary documents including the invoice, the merchant 's approval for my refund, and an explanation for the refund request. 

To my dismay, PayPal closed the case, stating, " The case was closed as the transaction was processed correctly. '' This status message is not only irrelevant but dismissive of the circumstances surrounding my refund request. While I acknowledge the transaction was processed correctly initially, the closure of XXXX XXXXXXXX XXXX 's account by XXXX XXXX is the precipitating factor for my refund claim. 

I recognize the challenging task of reviewing cases and the need to protect merchants ' rights. However, in this scenario, neither the merchant nor the customer 's rights have been adequately addressed. This unprofessional action has caused undue delays, negatively impacted my customer experience, and affected the merchants operation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I RECENTLY CHECK MY CREDIT REPORT AND SEEN A COLLECTION FROM DIVERSIFIED ADJUSTMENT SERVICES FROM XXXX THAT I NEVER HAD ANY DEALING WITH NOR AN ACCOUNT. I AM REQUESTING : 1. The date of the first delinquency.

2. The date of charge-off.

3. The date of the last payment.

4. The forward flow agreement, including the bill of sale.

5. Confirmation of whether this alleged debt has been transferred or sold, and if so, to whom.

6. The accounting according to GAAP, both private and public.

I am entitled to this information to ensure the accuracy and validity of the debt being reported. You are legally obligated to provide this information under federal law.
Product: Credit reporting or other personal consumer reports

I have taken a look at my credit report and there is an account that is NOT MINE. I have no relation and I need it removed from my credit profile. Please take the due diligence required and make sure this is removed asap.
Product: Debt collection

I had went to a furniture store one day an had the guy at the desk run my credit to see what I could be able to be approved for and they ran my credit muiltiple times but I left because I wasnt ready to make the purchases and a couple months later I ran my credit and seen that I had a credit collection for the dept of XXXX $ and I never got any furniture from the furniture store so now I dont know what to do to take that dept of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested copies of loan documents showing the statements and balance of my loan accounts. The CEO refused to provide copies of the documents. He said my account balance was {$0.00} and refused to give me any proof of this or return the collateral. He said have a nice life.
Product: Payday loan, title loan, or personal loan

I took out a loan with Titlemax but the amount I'm being charge doesn't match what I was told and the paperwork I signed. The interest fees are higher and each month it's a different amount. Also my information was apart of a data breach and I do believe my information has been share to hackers.
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX looked at my Experian credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be 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 results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is mandated by the FCRA to report accurate accounting. Consumer advised that two accounts reporting were fraud. Equifax had four days according to federal law to remove those items in which they did after FTC report was filed, but they did not notify consumer of investigation results. They deleted the confirmation number used to identify the dispute which is suppose to remain on record within the portal. The items were investigated deleted and blocked on XX/XX/XXXX. Another dispute was initiated for separate accounts and EQUIFAX mistakenly placed the previously deleted items back on the report with no explanation as to why. Since then consumer has not been able to view updated report, security freeze and fraud alert status nor credit score although the free membership that Equifax offers as well as the FCRA and consumer being affected by XXXX Equifax Data Breech guarantees the viewing of this information. Consumer was told it was just a glitch in the system for 7 months this has been going on. Consumer sent several letters requesting EQUIFAX to provide the documentation used to determine the accuracy of those two account and authorization of the accounts made by consumer. EQUIFAX had 15 days to provide the consumer with the name of the person spoken to, documentation used, signed application with consumer and wet ink signature. Last representative told consumer EQUIFAX can not remove disputed auto loans based off of an FTC report, which is another violation of federal law. Consumer clearly stated in letters that they are not asking for an E-OSCAR report. They specifically informed EQUIFAX that do not consent to E-OSCAR NOR ADVS FORMS OF ELECTRONIC VERIFICATION AND REQUEST EQUIFAX TO COMPLETE THEIR OWN INDEPENDENT INVESTIGATION AS ALLOWED BY LAW FOR CONSUMER TO REQUEST. EQUIFAX has falsely placed inaccurate, false and fraudulent information back onto consumers report with out any documentary proof to show consumers ownership of those two accounts. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NoRth Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to auDit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their CONSUMER FILE DISCLOSURE UPDATED NOT CONSUMER REPORT.
Product: Mortgage

The actions taken by Bank of America as part of a refinance were discriminatory and they failed to take into account the true financial condition of the borrower. Bank of America collected fees of approximately {$2000.00} and have not been responsive to any customer inquires for several months. There is also zero management oversight and a complete disregard for fair lending practices.
Product: Credit card or prepaid card

in XXXX they allow me to skip a payment but didnt provide options to lower payments or get on a harship program despite several attempts. Capital One
Product: Debt collection

Hello I recently had a account with Prestige Financial Services , Inc. I was under the impression I was a co-signer on a car but actually I was the owner. I was trying to help a friend out. Once she started falling behind on the payments I started getting harassed by phone and email also at work. I pleaded with them to pick up the car talked to numerous of managers. She they told me no since she was making payments. But if Im the owner what I say should go. Regardless if she made the payment. I even worked with them to locate her so they can pick it up. Still nothing and this goes back since XX/XX/XXXX. I informed them to please pick the car up since she didnt have a driver license anymore. They still refused too now were in XXXX and I have a charge off on my account. Due to bad debt/natural disaster. That is stopping me from progressing in life. From buying a house, car, business loan etc. If anything I should have a repo not a charge off since they sold the car anyways. I gave them written consent to pick up the car I have plenty of emails stating my case the account # is XXXX
Product: Bank account or service

HiI live in USA and While applying for a job online. One bad day I received a call from so called XXXX from unknown number and taken my interview. Post that they mailed me job contract which I sent them back signed. The job was for a XXXX company based in XXXX, XXXX named XXXX. The job mentioned was of a sales and payment coordinator in which I have to collect/receive payment from the customers who are willing to avail travel services of the company mentioned and will pay on behalf of the services they enjoyed or intend to enjoy. Since the company does n't have office or branch in US they are recruiting such agents like me for collecting the payment. 
One day I received a mail via XXXX at my address containing a check of XXXX/- USD of XXXX XXXX XXXX on which my name was written as a beneficiary. Immediately after I received a mail from company 's head agent who was suppose to be my manager named XXXX XXXX stating that I need to deposit this check in to my account and after deduction of XXXX % ( e.g. XXXX/- USD ) have to send the balance money to some address in XXXX via XXXX. I forgot to tell that according to their job contract I shall be paid USD XXXX/- a month as a salary as well XXXX % of the commission of what ever the payment I collect. The tax and other IRS and legal expenses will be born by them. Considering this offer a lucrative one I accepted and as a first task I received this check of XXXX/- USD which I deposited in to my wells fargo bank 's checking account. While going to withdraw the balance amount ( XXXX % after deducting my so called XXXX % commission ) on next day in to the bank I came to know that the check could n't be cashed because it 's a forged one. That 's fine but additionaly the bank has close my account and debit/atm card saying that I am no more be able to use or bank with wells fargo bank not now nor in future as my banking relationship with the bank is ended because of this forged check I deposited but not cashed or withdraw. I became a victim of someone else 's forgery but I am punished by closer of my account. I spoke to bank manager personally as well to customer services and also to their fraud department. They all refused to re-activate my account saying because of this forgery your account is permanently closed and better you find some other bank to deal with not well fargo. 
My concerns and the help I seek from you are as follow ... 
1 ) Can bank close my account in such case/2 ) Can they re-activate/reopen my account considering me a victim of forgery? 
3 ) Do I be considered guilty in such case? How? Since I am not the culprit but a victim? 
4 ) Will this incident reflect bad in my back ground check? 
5 ) Will this be effect any thing adverse or bad on my credit score? 

Please help me answering this.. 
Thanks a lot in advance. 
Rgds, XXXX
Product: Debt collection

I orginally disputed this collection from my credit report which has this debt under XXXX, no where on any of my credit reports show that this company, CONVERGENT has ever attempted to collect a debt. also, I have never received a letter from this company with regards to any debt. They have violated my rights and I want this removed from my credit. Lastly, a bill is not a validation of debt which is what they provided me and the account number on the bill doesn't match the account number on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AARGON COLLECTION AGEN ( Original Creditor : XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX ) XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : - High Credit : {$1000.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX XXXX XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : - High Credit : {$1500.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Your continued delays are inexcusable.
Product: Student loan

My private student loan, through Sallie Mae, is in default. I have been unable to make payments sufficiently, the last payment I was able to make is dated XX/XX/XXXX. I have paid as much as possible each month ; however, after the death of my parent I was off work for XXXX and became behind on finances. At this time, I have not been able to become current with this loan. I have explained this to the company and they agreed to lower payments. I explained I would pay what I could, when I could ; but, if the funds are not there, I can not make a payment. I am a parent of XXXX and to provide necessities for my children, while the economy is well beyond XXXX  class means/prices of everything are steadily rising, will always take precedence over any other expense. Regardless of this information, it is my belief that Sallie Mae has violated The Telephone Consumer Protection Act : " Called third parties ( family, friends, coworkers, or neighbors ) even though the collection agency knows your contact information ''. 
The company continues to make communication attempts to my mobile phone, no less than twice daily, through live representatives, robo-calls, voicemails, and text messaging. Over the past XXXX XXXX, the company has called XXXX of my spouse 's family members requesting to speak with me urgently " regarding a very time sensitive matter ''. The family members of my spouse they have reached out to are not listed on the loan nor as contacts of mine. 
This loan was initially accepted XX/XX/XXXX. Today, XX/XX/XXXX, my EX ( divorced her son in XXXX of XXXX ) -mother in law reached out to me, through social media, stating the company had called her inquiring to reach me and asking if I had " any idea '' why they would be contacting her regarding me. Again, this person is not listed to have any association with this loan nor as a contact of mine. 
At this time, I feel the company has violated my privacy through harassment of repeated phone calls, texts, and by contacting outside sources of which are not individuals listed anywhere within the loan contract of affiliation with me. It is my belief that Sallie Mae is actively degrading my character and has violated my privacy, through persistent harassment and attempts of embarrassment and shame, as an approach of attempting to force funds from me that are non-existent.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO CARD SERVICE opened XXXX XXXX, 2018. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I have had Nationwide Biweekly Administration, Inc. deduct XXXX of my mortgage and escrow fees every other week for years and Was led to believe the extra 2 weeks worth of payments would go 100 % to the principal. I just received a letter from them stating if my mortgage was due on XXXX XXXX, 2015 that they would pay my mortgage directly. And that if there are any funds remaining in trust for me they would be returned to my account or mailed by check to me. I am very worried as to whether they will be paying my XXXX mortgage payment as it is usually paid by the XXXX of the month. It is now XXXX XXXX and I am getting more concerned by the day. 
I wrote XXXX emails to the company to XXXXXXXXXXXX and have gotten no reply. When I call their number I get word for word the exact spiel that is in the letter they sent XXXX XXXX. What further steps can I take? 
I was Never told that there was a processing fee upfront or a fee associated with this every 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX   has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Product: Student loan

This is in reference to a case I opened 3 years ago. Case XXXX. 
I've done everything they've asked and provided the appropriate information, I keep paying on time and they are still unwilling to work with me and my situation. They have drastically increased my monthly payment. I also qualify for the Service Members Relief program, but they make this process extremely complicated for us service members. I've made more payments to my loan than they have on record for the Service Members Relief Program. I have no idea how to figure out this company. I am constantly XXXX with the XXXX XXXX and I literally do not have the time to keep verifying my military status and paychecks.

I hate to reopen this case but I am once again left without any more options. Literally worst loan service I've ever worked with.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by XXXX XXXX XXXX -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both Equifax and XXXX have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and equifax failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting

Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ).
Product: Debt collection

I asked them several times to stop communicating with me about any debt owed and they sent repeated emails and text messages about several different debts. They say I owed but failed to send me a response after I asked them for detailed billing and verification of the debt. And one of the debts they say I owe they have my last name as something completely different from what it actually is.