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

On XX/XX/XXXX, money from transferred from a business associate to me of $ XXXXUSD.. making my paypal money balance $ XXXXUSD. He paid around {$40.00} for this transaction. I was always told that theres no hassle to get my money from Paypal and my bank XXXX also said that I could request a cheque from them for my funds. The same day I called & requested the cheque but the representative first sent me to a website where they say you can manually request the cheque : paypal.comwdfunds and paypal.comwdcheques but there were no options to request any cheque ; just to transfer money by adding a US account. I told the representative and then supervisor that I wasnt seeing that option on my end and dont have a US bank account. She said that she would formally request me to get the cheque at my home address in XXXX associated with my account ( which you have to verify among other things before being able to speak about your account to a Paypal ). She said it would take two weeks to process and arrive to my home. 

Today, XX/XX/2019 I called Paypal for an update on my cheque and was first told that no notation or request was made for the cheque.. then after investigations were made they said that the request for the cheque was declined by their staff member and there is nothing else they can do. I asked numerous questions and told them how unfair it was to international customers because most people would assume the fact that at least 95 % of international customers dont have a US bank account and it is my money that I earned and they are preventing me from accessing it. XXXX repeatedly said that there is nothing they can do and ask if I cant link a US bank account to my account by asking someone for their details? 

Now, 1 ) Why would I do that? And pay an additional $ XXXXUSD to  send the money 2 ) What is preventing Paypal from sending a cheque to an international customer vs a local consumer when globalization exists & sending mail internationally is VERY easy 3 ) Why are there no supervisors for decisions made like this and no  proper explanation made? 

My mail comes straight to my house and you need ID to change out the money anyways so security issues is a very weak excuse to NOT give me my money. I believe Paypal is deliberately withholding my money so that I can be tied to them and they can control my money there and I would HAVE TO make purchases through them. This is a form of abuse and I believe no consumer regardless of their nationality wants to be deprived of money they have rightly earned!! 

my email associated with the Paypal account is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information regarding the XX/XX/XXXXaccount that appears on my credit report. Despite disputing this information on XX/XX/year>, the inaccurate details remain on my report. 

The account in question is : XXXX XXXX : XXXX XXXX The information being reported is incorrect. I kindly request that this account be fully investigated and removed from my credit report entirely, as it is inaccurate and unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 Sent a letter certified mail to Experian in regards to fraudulent accounts for removal. Since then I have not received a response or seen any action taken place for removal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
Product: Credit card

On XX/XX/2023, XXXX pm, I received an email congratulating me on my application for a Chase Freedom card, which I did not apply for. I checked my account and noticed a newly issued freedom card. I called XXXX immediately and asked them who, when, and where the application was submitted. I was told that the application was submitted through my online account near my workplace ( which has a Chase bank nearby ). However, I was absent from work this day. Also, I had double verification protection for my online account, which required a verification code sent to my cell phone. It would be impossible for others to access my account on my desktop at my workplace. I asked Chase to cancel the card and temporarily locked my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. THIS IS MY 2ND COMPLAINT. The first response I have received from your company was that " it appeared my complaint was not sent by me. '' Therefore, I will attach a NOTARIZED letter verifying my identity so that you will know that this complaint is sent by me, XXXX XXXX XXXX! I have sent 3 letters requesting verification of account numbers XXXX ( XXXX XXXX XXXX ),  XXXX ( XXXX ),  and XXXX ( XXXX ).  My first letter was sent XX/XX/XXXX, second was sent XX/XX/XXXX, and the third one was sent on XX/XX/XXXX. 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. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. Despite three written requests, the unverified items mentioned still remain on my credit report in violation of Federal Law. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on  pursuing litigation in this matter to enforce my rights under the FCRA. I demand the accounts be verified or deleted immediately. Therefore, I will attach the latest letter that I have received. I will also attach the latest letter that I have sent out to. All letters that I have sent out have been notarized and include a copy of my Driver 's License, along with a copy of my social security card.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

On XX/XX/12, I received a paper statement for a new business checking account I opened with US Bank that shows they had assessed a {$6.00} fee on my account. There was no obvious indication what this fee was for as it only said " XXXX XXXX XXXX. '' When I went online, it also had no further descriptions on what it was, forcing me to call US Bank to ask what this fee was for. Around XXXX EST, I talked to a rep on the phone, who told me this fee was for utilizing paper statements. I asked where it's documented that this fee is charged, I was told that it is only documented in the original email that was sent to me when I opened the account and that it is not documented anywhere on U.S. Bank 's website. Not only that, the rep specifically says that it is " common '' for people to miss it. That immediately seemed like a red flag to me that this was a deceptive and dishonest practice. When I went onto the website and tried to set my account to paperless, I received an error, and instead had to again as the representative to do it for me. It is ridiculous and unethical for a bank to not advertise a fee, purposefully minimize documentation of that fee, then make it difficult for a customer to avoid it. Also, if it only exists in the welcome email, and not documented anywhere else, that means a customer will not know about it until AFTER they have opened an account. That's predatory and deceptive. 

In addition to this, even though I opened my account on XX/XX/XXXX, it did not show up until the THIRD statement, which I received today on XX/XX/XXXX, almost three months later. Because of this, the rep said even though I switched to paperless settings, I would likely still be charged again since I've received multiple paper statements. I had already received XXXX paper statements before they even charged the fee to my account. That is beyond predatory behavior. 

I honestly thought we were past these types of tactics in the finance industry, but apparently U.S. Bank still practices it.
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX  and they sold it to Select Portfolio Servicing ( www.spservicing.com ). 

I sent my first payment to Select on time at the beginning of XX/XX/2022, and they received it and cashed it on XX/XX/XXXX ( see attached evidence, which I have sent to Select already ). However despite this the money has not been applied to my account and I'm being shown as late as of XX/XX/XXXX. They keep calling me that I'm late and I have explained many times that the check was cashed by them and sent them proof of that from my bank. Despite my multiple calls to them they fail to address the issue and as we enter XXXX I'm worried about what will happen with the next payment. I have a credit score in the upper XXXX XXXX and have been very disciplined with all my debts, I find it unacceptable that my reputation is now at risk due to the inability of this company to properly process my payment. 

My account number with Select is XXXX. Due to the way their correspondence was sent to me this was not clear and I sent the payment with the account number that I had with XXXX XXXX XXXXXXXX. In all fairness, this caused confusion. However given that I have given them all the information to correct it, I find it problematic that they have failed to do so.
Product: Debt collection

I have originally contacted XXXX XXXX XXXX advising I was laid off due to XXXX and was unable to pay my account, temporarily. They offered a credit protection program to where if I was laid off from work, or didn't have income then my account would be on " hold. '' I agreed to this. Later finding out they conveniently did not update my account. I sent them letters advising of my situation. Again, never received a response. All the while, XXXX called, emailed and mailed me several times a day they mailed me a bill with the charges just raising higher and higher when I should be charged any fees, since I have the credit protection plan. 
Anyway, I asked for them to provide me with executed contract, documentation showing I was made aware of the XXXX XXXX XXXX XXXX XXXX, etc. I never received anything. I asked them to stop calling me because they'd call me at XXXX XXXX I received a phone call during the week at XXXX XXXX. It was flat out harassment. At that time I had a newborn and their numerous harassing calls woke my XXXX so many times. Anyway, I now received this lawsuit and I don't believe it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on XXXX because this agency has ignored my dispute I sent to them on two different occasions in regards to XXXX accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting XXXX of the accounts and XXXX has deleted the items. I dont know why XXXX refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent XXXX a dispute expressing that a hipaa release form was never signed or authorized for Edward Sloan and Associates to acquire my private medical information. 

XX/XX/XXXX i also sent Edward Sloan and Associates a letter in regards to the XXXX accounts they are reporting. Tracking XXXX XX/XX/XXXX Edward Sloan recieved my letter. 

XX/XX/XXXX XXXX  Deleted XXXX accounts. 

XX/XX/XXXX XXXX  Deleted XXXX of the account. 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from XXXX or a response from Edward sloan till this day.

To my understanding once a modification has been made with one reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt XXXX complied by deleting the same items being reported after receiving notice from XXXX  of the carbon copies. 

XX/XX/XXXX I got a updated report from XXXX  website and to my surprise these items are still reporting. I have given XXXX the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then XXXX is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that XXXX is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. XXXX knows there policy but refuses to comply to federal and state regulations. 
I can not get XXXX attention and now I am asking for your help to settle this on going matter.
Product: Debt collection

Capital one Bank /XXXX XXXX , XXXX XXXX XXXX XXXX , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told Capitalone Bank do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from Capital one XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

I have disputed this company numerous time Discover Bank this account is a fraud account and the account does not belong to me. I have notify the creditor as well as the credit report company and this account remains on my credit report. Again this Discover account does not belong to me ...
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I made a mistake in taking this loan of XXXX  XXXX.I was aware of a steep finance charge of about {$120.00}. The Truth in lending disclosure was not visible at the time I was applying for the loanXXXXXXXX XXXX XXXX XXXX XXXX Big Picture Loans.com are predatory lender engaged in illegal business practices. 
In XX/XX/XXXX XXXX District Judge XXXX XXXX XXXX ruled that the FTC Act " grants the FTC authority to regulate arms of XXXX tribes. their employees and their contractors. '' Specifically regarding deceptive payday lenders hiding behind a tribal affiliation. 
I had not been notified of a 697.0822 % interest rate I was aware of a finance charge It was not totaled in the payments how high the entire loan would be. 
I was unable to view the " Truth in Lending " disclosure until after the loan was had been processed and the funds delivered to my bank account. 
This is Illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Big Picture Loans.com are not immune to the laws of the federal government. Interest paid to date {$1100.00} priciple balance to date {$180.00} regular payment amount {$160.00}.