23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to assist me with correcting items on my credit report that I did not believe to be accurate. I paid this company over {$1500.00} in fees. The agreement was that they were suppose to get these items deleted. Prior to contracting with them, I paid off my creditors and many of the accounts were removed. I received letters from the creditors indicating this. Some of the accounts were removed because they were fraudulent. I worked with the creditors to resolve the fraudulent accounts. XXXX XXXX was unsuccessful in aiding me in cleaning up my credit. I have given them over a year and I still have many many accounts still listed. They did very very little. Most of the items that have been corrected was because of work I did. They have been sending form letters to my creditors and the creditors sent me letters indicating the dispute letters provided by XXXX XXXX was insufficient. I was charged up front for credit repair services and did not get what I paid for. I fulfilled my end of the contract and they did not do what they were suppose to do. Whenever I received updates, I sent them. They have not worked on my file since XXXX when they were suppose to be actively working on it. They have a money back guarantee and when I inquired about it, they refused to honor their own guarantee because misleading information about the work they did was considered. Please investigate this company.
Product: Money transfers

On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from Flagship Credit from XX/XX/2020. 
I have had no prior knowledge of this credit agency nor any prior contact. 
Ive tried to contact the company by calling the number listed on their website. I was unable to speak to a real person. The automated system kept asking for my account number or my social security number. I dont even know this company to give them my social. 
This is not a credit inquiry made by myself. I want this inquiry removed from my report. As this had brought down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXX  account : XXXX ( TOTAL XXXX  CREDIT CARD ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( TOTAL XXXX  CREDIT CARD ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX  account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX  XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT BALANCE OF {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I hope the following items will be corrected or deleted ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I started college in XX/XX/XXXX. I finished my XXXX degree in XX/XX/XXXX, XXXX  in XX/XX/XXXXand my XXXX in XX/XX/XXXX. I did not pay {$250000.00} for my education but due to the interest as a result of forbearance that is my current debt. 

I switched from private sector to government in the hopes that I would be able to have some of the debt forgiven. 

At this point I am not sure what will transpire but wanted to submit a complaint in the hopes that I would be able to get some help.
Product: Student loan

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Paypal Complaint Attempt to steal money from my account Paypal has attempted to steal money out of my checking account, by discretely requesting a withdrawal of funds from my bank checking account on file without notifying me prior and without requesting my permission. I have a current dispute with paypal ( see complaint # XXXX ), due to a chargeback paypal claims I am responsible for. Regardless of the fact this chargeback came from a customer who paypal verified as honorable and a payment method paypal also verified as acceptable. I have disputed with paypal that i should not be responsible, because I am the one out over {$2000.00}. I had no way of knowing the charge card used was unauthorized because paypal does not allow sellers access to the information necessary. Additionally, Paypals agreement basically says ; trust us and if you trust us we have your back Paypal charges large fees to use their platform boasting security and seller protection. But, Paypal has policy language that is not reasonably visible to potential buyers/sellers and paypal does nothing to make it known. Paypals user agreement is 51 pages long, 29,592 words and 177,896 characters and 3096 paragraphs. Paypals research informs them a large majority of potential clients will not read the entire user agreement. I have done a but of research, currently have a poll asking paypal users is they have read.
The entire paypal user agreement Approx. half the user agreement 25 percent or less None at all At this time, with 112 responses, current results are : A. 0 B. 2 C. 61 D. 49 In other words, 98 percent of Paypal sellers and buyers have read less the 25 percent of the user agreement. The language in Paypals user agreement allows paypal a way to charge sellers for disputed transactions. Paypal does not provide this information in Plain sight to consumers, sellers or buyers as a deliberate attempt to mislead or seduce consumers to using their platform and paying large fees for Paypals protection. If sellers and buyers were aware of this language Paypal knows they would have a difficult time justifying the fees they charge. As for this complaint, Paypal has attempted to debit my checking account for the full disputed balance prior to the completion of their investigation without my permission. Paypal made no attempt to notify me they would debit my checking account on file, therefore deliberately trying to do so without notification or permission. I am sure Paypal will claim that somewhere, hidden in thousands of words there is language that gives Paypal permission to debit my checking account at any time for any reason they feel appropriate. I am also sure more than 95 percent of the  consumers using Paypal are unaware of this. Hey Paypal, get ready for another class action. But this one there will be no settlement. I want a jury trial and I have the law form that is willing to go the distance.
Product: Credit card

I have attempted to transfer some Capital One miles to an airline partner over the last 24 hours. I am a frequent traveler and well versed in converting points and miles from banks ( XXXX. XXXX, XXXX ) to airline and hotel rewards programs and have done so for years, including with Capital One, without incident. In attempting to transfer Capital One miles yesterday, I was unable to generate a two-factor authentication code to my cell phone. After several calls to Capital One and my phone provider ( XXXX XXXX who assured us nothing in our phone or carrier settings would prevent an automated code going to my wife 's phone from a 'short ' number ), I was unable to find a resolution to the issue. A quick internet search revealed dozens of other Capital One customers having the same issue dating back to XX/XX/year> when, seemingly, Capital One instituted more stringent security protocols around points/miles transfers. However, in doing so, they or their third-party contractor responsible for miles transfers to airline and hotel partners have created an IT issue whereby customers have no ability to a ) generate a code to their cell phones or b ) have another option for two-factor authentication such as a phone call or email ( as is customary with other financial institutions ). Effectively, my Capital One miles are locked at Capital One which violates the terms of their rewards program by providing consumers no option to transfer miles to Capital One 's travel partners should they be unable to generate a two-factor authentication code. Numerous posts on XXXX and XXXX ( links below ) share the same experience as we've had. 

To be clear, the issue occurs specifically when some users click " Convert Rewards '' within Capital One 's travel portal and are then redirected to a separate browser and asked to provide a phone number ( or confirm the one on the screen via the last four digits ) for a two-factor authentication code. In my case, an error message appears indicating the phone number is not recognized. I have had the same phone number for over a decade and have been a Capital One customer for several years ( and Ive used two-factor authentication with Capital One, but not since XX/XX/year> ). Four or five Capital One customer service representatives seemed puzzled by the issue and offered no workarounds ( including offering to transfer the miles on my behalf ). 

Links with reports of similar incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding LLC has added {$150.00} to a collection reporting on my credit report. I have contacted and spoken with many representatives with this company in regards to the increase, none of which can explain how this increase was calculated and to what the contractual interest rate the original account was opened with thus preventing me to properly dispute the charges.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a duplicate account but with different balances. Because they are reporting different balances it appears as if its 2 different accounts. However, it is the same account. One of the accounts needs to be removed.
Product: Debt collection

On XX/XX/XXXX a collection was put on my credit for {$140.00}. According to XXXX I missed payments for 5 consecutive months starting from XX/XX/XXXX. In XX/XX/XXXX I had moved and canceled since I no longer needed them.
Product: Debt collection

LVNV Funding LLC is stating they are the original creditor with XXXX accounts on my credit report one being for {$1700.00} opened XX/XX/year> and the other being for {$740.00} opened XXXX XXXX, 2024. 
I have never done business with LVNV Funding LLC and they can not provide the original SIGNED contract. This is fraud and they are falsely reporting. I can not owe money to someone I have never done any business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX  XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

Associated Bank sold my loan. They have cut off access to my account so I can't get historical statements. And there has been no information from the new provider. Calling the customer service number they have no record of the loan.
Product: Debt collection

Capital one kept calling my husband AND gave him MY information without my permission. They said they were going to file a judgement, gave him everything single detail of my account. 

XXXX credit card did the same exact thing. Also, my husband keeps getting telephone calls about my debt. I think that they should compensate me just for the aggravation that I have endured!
Product: Debt collection

I recently get a phone this morning and they didnt leave me a message I called back and it was some company saying that tied in with XXXX which longer in business.the rep claimed that she had all my infomation and she wanted me to verify and she said she had my information which is wrong and my wife I both listen to her .my wife know it was scam she wanted me to pay {$140.00} which is not my debit.i told her that am temporary laid off because XXXX and I cant pay. Anything that she demanded me to pay I told what does understand about I dont have the money plus this my debit.my wife tryed to research the phone number is come up as a scam call and this person is calling from possibly a hotel room.am tried of this scam company calling me and trying to scam me .I want them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two problems with Experian.

I attempted to obtain a single-use Personal Identification Number, to temporarily unfreeze my credit report to have electric service turned on. After inputting CORRECT information, I got a screen that stated that they were unable to honor my request. No explanation, just unable and to send in a letter with several forms of identification. As there is no electrical service at my seasonal address, using the mail was not an option. So I attempted to call, to no avail.

Thus the second problem with Experian. It is impossible, as far as I can tell, to reach a human at the toll free number. I tried several times using various numbers. I XXXX " talk to a human at Experian '', and none of those suggestions worked out. This alone is totally unacceptable, and must be fixed.

Another unsatisfactory past experience with Experian occurred last XXXX was when I attempted to obtain my free annual credit report using the website. After inputting all the CORRECT information, I was told that the request would have to be made by mail. This was the case for both me and my wife. Again, no explanation was offered. At that time, I mailed the request, and received the credit report. Time was not of the essence then.

Part of the reason for requiring these requests be mailed nay be to inconvenience people to the extent that they give up. Some of it is to protect consumer data, but if correct data is supplied in the website form, then access to the requested service should be instant.

Obviously all this stonewalling is extremely frustrating!
Product: Credit card or prepaid card

On XXXX of 2022. My card was charged for the amount of {$XXXX} and then XXXX weeks later it was charged again for {$XXXX} From the same company ( XXXX XXXX ) I have contacted Wells Fargo when I saw the first charge and informed them that my card was stolen. Yet a charge poped up out of no where and they should have have block these transactions. 

They promised they fixed the issue. Then like I mentioned XXXX weeks later, another charge poped up. 
I called and waited on hold for hours. I was transferred from department to department and they themself seem to not know how to fix or even understand whats going on. I have been a customer of wells since I was in middle school. Never ever filed a fraud or dispute in my life. Never been late to a payment all these years. Yet they are treating me like this. 

I have explained that they can check my credit history, I never purchase from XXXX XXXX like ever. The closet store is hours hours away from me. 

They declined my statement and send me a letter saying that am the one made these payments. Even tho I have provided evidence showing I have not made these. This is outrages and unacceptable
Product: Credit reporting or other personal consumer reports

I submitted a final loan payoff on XX/XX/. A week later, my account showed a {$0.00} balance and then a few days later I was no longer able to see the account anymore. I noticed that my credit report was not being updated to reflect the payoff and my report still shows a large balance. I asked the company to send me a letter to prove I have paid it off. They sent me the letter and it indicates that it was paid off on XX/XX/. I opened a dispute with Experian but their result of the investigation says the information on my report is accurate despite the letter indicating the account is paid off. The company is not submitting the correct information to the credit bureaus after the account has been paid off.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with TransUnion and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except Equifax and XXXX. 

We would like Equifax and XXXX  to remove this late remark from both our credit reports since it is affecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the accont with capital one for XXXX dollar pleases let them show my account as settled