23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

paypal changed my account form regular paypal to paypal credit without myapplying for credit, then failed to send accurate statements so I did n't know I owedanything until fees started to add up..with XXXX dollars of purchases the bill isXXXXXXXX in 5 months ... when I called to complain I got the run around.. no resolution
Product: Credit card or prepaid card

Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}. 

The XXXX was paid in full but never showed up to complete the assignment/job. 
On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final. 

XXXX timeline was slipping but we kept working with them in good faith. 

Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment. 

XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX, XXXX XXXX and Experian monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, Experian, XXXX  and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The XXXX bureaus all say the same thing that they will update but never do. XXXX months ago, Experian said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If Experian, XXXX  and XXXX  would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.
Product: Debt collection

True Accord continues to call me, text me about a debt which is not mine. The bank is XXXX XXXX which does not belong to me for {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX  XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards Experian that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that Experian was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! 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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,
Product: Credit reporting or other personal consumer reports

THEY CONTINUE TO REORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have presented my consumer report to all three credit bureau and no one has responded or remove the issue with the proper documents that I mailed off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) XXXX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from CREDITOR who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Credit card or prepaid card

I have requested numerous times to be reviewed by Wells Fargo Credit Card processing department in order to receive my SCRA Benefit on my credit card. I have gone into a branch multiple times, called dozens of times, sent messages through the online portal and wrote three certified letters to the credit card department. I have never received a response from Wells Fargo of any indication they planned on reviewing my eligibility for the SCRA benefit.
Product: Debt collection

On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( 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 XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called Bank of America over 20 times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
Bank of America Reported For : Fraudulent activity
Product: Debt collection

On Saturday XX/XX/year>, Portfolio Recovery Associates LLC called me from XXXX ( XXXX ) XXXX XXXX at XXXX. Because it was the weekend, I did not answer the call. They are not allowed to make contact on the weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies after discovering possible identity theft. Equifax refused to place a freeze because I may have answered a question wrong. No problem with XXXX XXXX or XXXX.
Product: Checking or savings account

On XX/XX/2022 my cashapp account was hacked $ XXXX and XXXX dollars was transferred to a $ XXXX via my attached debit card in three transactions. One for XXXX dollars, one for XXXX dollars, one for XXXX dollars. When I reported it to Cashapp and my bank XXXX XXXX  XXXX XXXX I was told it would be investigated and solved. My bank gave me provincial credit in the mean time. As of XX/XX/XXXX the bank did not adhere to federal law and have me only liabel for XXXX dollars and took the entirety of the XXXX dollars from my account and stated cashapp had to refund my money. Cashapp closed my account stating I violated terms and conditions and refused to provide me with documentation of what I violated. So instead of refunding my money they let someone hack and steal out of my bank account and refused to help at all. I need this money for bills and I expected financial institutions to protect my money. Cash App let the hacker hack my account, steal my money via an attached debit card, and instead of investigating closed my account so they wouldn't have to refund my money.
Product: Credit reporting or other personal consumer reports

Trans union was tasked investigating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These incorrect accounts have already been removed from XXXX. Trans union had an account XX/XX/year> they opened and never processed with in the 30 days. They never responded why and opened another dispute for the same issue on XX/XX/year> they also never finalized this dispute. Trans union was contacted over the phone mail with correct dispute information and refused to assess any. Transunion was also tasked with presenting who was running the investigation as they have repeatedly made errors that have taken months to resolve and lost of extra cost. Trans union is now at 60+ days with no dispute resolutions and no reason why they have opened and closed disputes. Transunions lack of care with file has led to file being assessed incorrect by multiple departments. These files should ALL BE DELETED. To match my other file from XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 cash app allowed somebody to dispute charges with them that were fraudulent. Without further investigation on my end Cash app took the disputed funds out of my personal account, and never returned any of me emails I sent out through the app. I also disputed the fund with the my bank, and they couldn't help because of the type of platform cash app was on. They also stated since I had my card on the site I authorized the charge. I contacted Cash app on on XX/XX/19,XX/XX/XX/XX/19, and XX/XX/19. They replied one telling me " Ive passed your case along to a member of our Account Services Team who can help you further. You should hear back shortly. '' but I never heard back ever since. I think this is very unprofessional, it's left me in a deficit, and I will never promote this company again. This is so unethical.
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files. Attached is the letter ( Dated XXXX 2016 ) sent and proof of certified delivery.
Product: Credit reporting or other personal consumer reports

Hello, I had my student debt forgiven back in XXXX and it still shows up on my credit report as calulated debt. I was told by MOHELA that it should be removed in 90 days that time has come and past. Can you please help me to have my credit report updated and the removal of my forgiven loans.
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I recently reviewed a copy of my credit report and discovered multiple inaccuracies, including addresses and names that are not associated with me. I have no connection to these details and am uncertain as to how they appeared on my report. I am formally requesting that you investigate and remove all incorrect information from my consumer report within four ( 4 ) business days of receiving this correspondence. 

The following details need to be reviewed and corrected : Any other than my accurate address, I have provided the necessary information. 



TransUnion : The only address I have is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the Equifax data breach and someone may have gotten my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reports a 30 day late without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Product: Credit card or prepaid card

XX/XX/2021 Keep receiving numerous call stating that suspicious charges were found on my credit card of {$14000.00} for a new XXXX  and want me to give them access to my email address and cell phone number to check back with me. The caller was information came from XXXX XXXX County and the phone number is XXXX XXXX. Contact my credit card company and was told nothing suspicious was showing on my account. They told me report this information to you because the company takes this serious and wants to protect their customers. I did not give out any personal information. 

Thank you.
Product: Credit card

I received a reminder email from American Express that my payment was due today. I meant to schedule my payment online when I was at home that evening. I forgot and the following morning when I woke up at XXXX XXXX  I remembered I had not made the payment. I logged on to my account and made the required payment. I was then assessed a {$29.00} late fee on my payment that was due the previous day. The payment I made was the entire statement balance. Since I was a few hours late, I am sure I am not only paying a high late fee but I am now probably being charged interest on this months purchases. 

I then did a chat with an associate from American Express and asked if they would waive the fee since I was only a few hours late making the payment. The reply was we can not approve your request and offered the option of setting up an auto payment of my payment. Auto payment is not a good option since the payment does not allow me to control the debit that coincides with by biweekly payroll. I then asked that the associate close the account, which was completed, and XXXX will payoff the card with the next statement. I have been an American Express customer more than 10 years and have not made a late payment very often but have had a couple in the past and they have waived the fee when I have asked before. I was asked why my payment was late and I replied, " I simply forgot to do it last night and made it first thing this morning. '' The fees for making a simple mistake are ridiculously high and punitive so I've decided not to do anymore business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Transunion has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

Transunion is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, 9 certified mail envelopes regarding many discrepancies on my consumer report where sent over to Transunion. I have signed green slip receipts showing they accepted my mail. However, my transunion consumer report never reflected an ongoing investigation. After, 30 days and even an addition 30, Transunion, never responded or sent me any correspondence with any of the 9 matters.