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

On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. 

The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. 

Paid with XXXX  XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. 

I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away.

I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Bank account or service

Bank of America said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate myconsumers rights but saying they investigated my disputes when all accounts comback verified. I continue to show proof of the in accurate accounts being reported on my credit file that they say has been modified or updated and the account only stay the same but report as a new debt which continues to hurt my credit and me financially. I have asked them over the phone allso in writting but still the same results nothing so i need the CFPB to crack down on this. I have more than XXXX disputes with the CFPB about the samethings that contine to do but nevr fix nothing. I also got proof of the other credit bureaus deleting the account off credit file but Experian still contines to say they verified something when i know u have to get my permission to do anything and I have not gave any authorization to nobody.
Product: Debt collection

I am not liable for this debt {$1600.00} with LVNV FUNDING LLC Account Number : XXXX I do not have a contract with LVNV FUNDING LLC XXXX they did not provide me with the original contract as requested with my wet signature and ID verification. This company is reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my credit report I noticed there were multiple accounts that were inaccurate to my knowledge. They are fraudulent and I did not authorize them. I am writing to dispute these inaccurate and fraudulent accounts because they were authorized without my consent. Unfortunately, I become a victim of Identity Theft. 
These accounts that were reported to my credit report calls for immediate action of deletion from my report because they are inaccurate and are fraudulent charges not made by me on my credit report. This is in major violation of my Fair Credit Reporting Act ( FCRA ). 
Please remove the accounts listed below because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure. Please review and delete the accounts and inquiries immediately and investigate them thoroughly. As a result, remove them from my credit report.
Product: Mortgage

Offending organization : Carrington mortgage Services LLC My partner and I are XXXX XXXXXXXX XXXX  and applied to assume a VA backed loan in mid XXXX. VA policy guidance pursuant to circular XXXX on loan assumptions clearly states that mortgage lenders are required to respond to completed assumption applications with 45 days. Carrington has continued to insist that they are not bound by VA guidance and instead insist that the process takes 90-120 days which is illegal according the VA general council , local VA loan lawyers, military legal office and the general council of our purchasing agent. Carrington has been rude, dismissive, unresponsive, and negligent in its PRIVILEGE to be a servicer of VA loans. They are taking advantage of veterans and XXXX XXXX military member creating financial hardship for their own profit. They have also arbitrarily raised fees above the legal amount they are allowed to charge us, doing so without explanation.
Product: Mortgage

I received a letter from XXXX Mortgage that my loan # XXXX had been sold to Seterus and as of XXXX XXXX, 2016 that all payments would need to be sent to them. So, thinking that I could pay by phone on the first, I found Seterus 's number and called them, going through their prompt system. A recording stated that I would need to receive a welcome letter before being able to make a payment, and between the XXXX and XXXX of the month I would be able to set up my online profile and make payments. By the XXXX I had still not received a welcome letter and started calling Seterus on a regular basis to inquire about my account. I kept being told that they were still waiting to revive my information from the previous lender, but not to worry because my account would definitely be set up by the XXXX, but to keep calling to check in because once my account was set up, it would be reflected in their system even before receiving a welcome letter. The last time I was able to speak to someone was on Friday XXXX XXXX. At that time they still did not have my account set up. I asked if they were open during the weekend so I could call back and check my account status and the woman said yes " we are open on Saturdays ''. So I called back the following morning going through the usual prompt system in order to speak to someone, only to come to an automated message saying that they are " experiencing technical difficulties '' and could not take my call, then hangs up. I try again, same thing. So I hold off from calling on Sunday the XXXX since I was informed they are only open on Saturdays. I begin calling again today, which is XXXX XXXX because I have still not received my welcome letter as promised!! However today it 's the same thing, " technical difficulties '' during sometimes when I call, AND other times it 's an automated message saying " we are still receiving information on your loan an can not speak to you about any account details at this time ''. I have called a total of 8 times today because it is the XXXX and I just want to pay my mortgage ON TIME! However they will not allow me to make any payments until they have established my account number. Please help as I do not want them foreclosing on me due to their dishonesty and oversights as they have done to so many others. I will contact a real estate attorney and pursue legal action if they do not handle my account with honesty and integrity and keep me from paying my mortgage on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I want to validate the debts on according to my rights
Product: Student loan

My issue is with Mohela. I received a confirmation email on XX/XX/2024 that my XXXX  XXXX  was set up. So, I expected my XX/XX/XXXX payment to be automatically XXXX  from my account. However, when I logged in today, it shows my account as XXXX  due. So, I promptly made a payment but I am fearful that Mohela is out to wreck my credit by reporting my account as XXXX  due when they confirmed ahead of time that they would XXXX-XXXX  my account ( which they did not do ). I think this company is incompetent. I have been on an XXXX XXXX  plan for XXXX  years with XXXX but consolidated back into federal for forgiveness and the XXXX plan. But OMG -- they are more incompetent than XXXX!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- EQUIFAX -- XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency XXXX XXXX credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX ( Account Number : XXXX ) o Current Balance : {$6100.00} o Status : Closed, " Charged Off as Bad Debt '' o Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) o Balance : {$200.00} o Past Due : {$88.00} o Status : Closed, " 120 Days Past Due '' o Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$210.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$390.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX ) Account XXXX XXXX ) XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX- XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRADULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTCXXXX XXXX, CFPB XXXX XXXX
Product: Debt collection

I have been a victim of Identity Theft. I never lived in XXXXI have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.
Product: Debt collection

I have made several attempts to address a collection reported on my credit report from XXXX XXXX XXXX for {$600.00}. I have sent several certified USPS letters to both the collection company ( XXXX XXXX XXXX & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with XXXX XXXX XXXX XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. Experian has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to XXXX XXXX XXXX addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, EXPERIAN, and XXXX ).
Product: Credit card or prepaid card

I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.
Product: Credit reporting

EQUIFAX fails to remove the XXXX account. EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit card

The card company claims a XXXX interest free rate, but doesn't tell you about a security payment charge until after it has been applied to the card. 90 days to get refund of all charges. The company does not state you have to accept or deny the security card payment, but requires you to contact customer services to deny the charges in order to receive a refund ( within 90 days ). Also, I had to pay an approx. additional {$100.00} for my ending balance but can not find proof of what that {$100.00} is for. The customer service person was unable to inform. me of the charge as well and couldn't refund it at the time.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, IL XXXX I went to the XXXX XXXX, IL Bank of America on XX/XX/ to open up a business account, I already have a personal bank account. I worked with XXXX XXXX. She would not open the account for me and I felt that she was racially profiling me and was treated me very disrespectfully. She talked loudly and tried to humiliate me in front of the other clientele and was extremely unprofessional. I left the bank frustrated and embarrassed. 



I went to XXXX, IL Bank of America on XX/XX/ where I had opened my personal account. I worked with XXXX XXXX to open my business account. She was professional and courteous and was able to open the account and deposit my business check at XXXX in the amount of {$45000.00}. I was told there would be a hold on the account until XX/XX/XXXX. The next time I tried to check my account I was unable to log in as the account was locked. I had to go into the bank and was told the check had cleared. I had to talk to people in the Risk Department, Claims Department, and Fraud Department stating that the check was fake. 



Of course, I was unable to get my original check back ( as it was cashed ). I was then told I would receive a cashiers check, which was also reneged on. Lastly, I was told they would send the money back to the IRS and the IRS could resend me another check. In talking with the IRS they have never heard of anything like this happening before. 



I am planning to pursue legal action as there was a multitude of shady business practices involved. My biggest question is where was the money from the time you cashed the check and who was receiving the interest on that money? For a reputable bank this is completely unsatisfactory. I am still without my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}