23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Paypal reference number : XXXX Paypal blocked my activity for no reason. I use paypal to simply receive and send money to my friends. I have been a customer since XXXX  and yesterday they blocked my account and my money. Paypal reference number : XXXX This is their message : You can no longer use PayPal. After reviewing your account, we have decided to restrict it permanently, as it presents potential risks. As a result, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money on your PayPal balance, we will suspend it for up to 180 days. After that, we'll send you an email telling you how to access your money. 

I didn't do anything wrong, I just want to use my paypal like my friends do. Now I can't and they can : (
Product: Debt collection

I owe XXXX nothing. My account is current. I called XXXX and they said I own then nothing. GC keeps reintroducing this into my report to EXTORT {$160.00} from me.
Product: Credit reporting

I have disputed Fraudulent information on my Credit Report, however, Credit bureaus still not give me investigation result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving harassing phone calls from the Lexington Law Firm. They were calling 3 or more times a day after I had suspended my account because they were not doing what they said they would do. The calls stopped for a while when I complained, but have now started back up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian allowed a fraudulent hard credit pull ( for a mortgage ) during an active credit freeze. The Experian website does not allow credit inquiries to be disputed online. The website asks the customers to call XXXX. However, the automated phone system does not allow an option for this particular issue, nor does it offer to connect me to a representative or leave a call back request. There is no published email address to handle specific consumer credit report issues. I have found no way to contact the company at all regarding this very concerning issue. 

There should be no credit inquiries at all on my report during a freeze. I've verified that a freeze was already in place on Experian for me. 

I've confirmed credit report freeze with all three agencies as well as placed an initial fraud alert on my SSN.
Product: Debt collection

I made a payment deal with IQ International Debt agency via phone in XXXX of XXXX to pay them a certain amount out of the full amount considering that I did not have the full at that time. I gave my debt card information, agreed to pay the first half and then agreed to pay the second half by XX/XX/XXXX. 

I finally came into some money with my NY State Tax Return that Ive been waiting months for due to identify theft but when I went into my bank account today on XX/XX/XXXX I noticed IQ International swept that money away on XX/XX/XXXX without authorization. 

( On the recorded line back in XXXX of XXXX with XXXX XXXX, I agreed to give them the rest of the money owed by the end of XXXX, NOT authorizing a payment. Theres a difference. ) Today, after discovering the authorized charge and grab of my money in my account, I immediately called XXXX XXXX and reintroduced myself to refresh his memory of our last conversation. With tears in my eyes, I explained my current reality of financial hardship and how I didnt ignore their requests for the money and that I just simply did not have it but was willing to give them a cut of my tax return when it would eventually come to me. Within minutes, XXXX XXXX got frustrated and angry with me, downplaying my raw emotion and pleads to please help fix this as Im a single mother with XXXX children who relies on every dollar that comes to me. I explained I was not ignoring him or blowing him off, I had every intention to pay ... I just needed a payment plan as life took a different turn due to circumstances out of my control. He refused to work with me and raised his voice ( would almost consider it yelling ) at me 90 % of the 45 minute phone call during an emotional vulnerable time, pleading for his help. 

I told XXXX that I did not authorize a payment to go through with them on my bank account. Back in XXXX of XXXX, I recall clearly agreeing to have the money by the end of XXXX which is no way in the same as agreeing to an authorize CHARGE on my account. This is UNACCEPTABLE debt collector action. I called my bank immediately to dispute the charge as well. 

XXXX was very kind to me the first phone call back in XXXX of XXXX. Understandably so as I was handing over the money owed. This phone call today was inappropriate and uncalled for and Im extremely upset that I received an UNAUTHORIZED charge by IQ international on my account. XXXX told me that they sent letters to my home before the UNAUTHORIZED garnishment. Did not receive a single letter. XXXX repeatedly told me to get a lawyer to look at the recorded call back in XXXX and told me hes terminating my call. 

Jasons complete disregard to a human beings struggles is astounding. After telling him that he neglected to tell me important details regarding my debt in the first phone call and that he should really thoroughly explain to people things they should know before paying, he responded with well its not my responsibility for you to understand what we say to you. This is mind blowing, cold and unprofessional to say to someone who is hysterical on the other line for good reason. 

Something needs to be done. Unacceptable.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For a number of years, Ive been XXXX  and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its been past 30 days since I reach out any response
Product: Credit reporting or other personal consumer reports

I sent another round of dispute letter XX/XX/2024 to send proof of my correct address to Experian and XXXX with no success. I sent out two separate letters explain the importance of an ACCURATE consumer report. I'm reaching out to agency for support on this ongoing situation. Experian and XXXX keep sending me back STALL LETTERS instead on correcting the information.
Product: Money transfer, virtual currency, or money service

CashApp offers a rewards system called " boosts '', which offers either an immediate rebate or a percentage of your purchase back in the form of XXXX. 

XXXX of the boosts that CashApp offers is 10 % off a XXXX purchase. On XX/XX/2022, at XXXX Pacific time, I activated this boost. At XXXX Pacific time, I made a purchase at XXXX for {$7.00} XXXX, or {$5.00} XXXX ( I am currently on vacation in XXXX XXXX. After a few days, on XX/XX/XXXX, I noticed that I had not gotten the promised 10 % back. I reached out to CashApp support, and after some back and forth to make sure that the boost was not refused because I was traveling internationally, I was told that they showed that I had not activated it until XXXX Pacific time, and refused to consider the screenshot I had showing it was activated earlier. I asked for the matter to be internally escalated, and a manager also refused to consider the evidence I had, insisting their system showed otherwise.
Product: Credit reporting or other personal consumer reports

Hello, Chase Bank has a nation wide banking error & is reporting business accounts to personal credit report in error. Chase does not report business credit card accounts to personal credit unless it's delinquent. I talked to Chase & they apologize for this error & said they would put in a request with the 3 major credit bureaus, XXXX XXXX, XXXX XXXX XXXX for this account to be removed immediately. However, Chase 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit XXXX score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, Chase didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with Chase that every time I apply for credit, they pull from 2 bureaus both XXXX XXXX XXXX XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from Chase 's system errors. Thank You
Product: Credit reporting or other personal consumer reports

Again, I was a XXXX of identity theft, and this is another request to remove the items from my credit file resulting from alleged identity theft. The credit Bureaus are required to remove these items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX. About XXXX, experian especially, XXXX XXXX, since XXXX they had discriminated me of my credit reports since XXXX, still not fixing everything right. I send i to you as well about my score, and experian is not taking off all of my student loans off because she had lied and changed the name and dated on their since XXXX XXXX nothing is suppose to be wiped off. And you are not being fair about my score and she keeps on dropping it. It 's why I need someone else to help and of my emails on phone as well. They respond back cause XXXX wan na sue you about my credit reports and they keep on ignoring to hold me back and to have someone else to get done for me. I know what I 'm doing by myself stuff. And ignore to me. So help me now please. I ca n't d it by myself. Or phone or emails. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.
Product: Money transfer, virtual currency, or money service

My cashapp was hacked..I had to change my information because I had my direct deposit goun there..
Product: Credit reporting or other personal consumer reports

This is a a continuation of a problem that CFPB said was resolved on the word of the lender, Service Financial Company LLC, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that Service Financial was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX, XXXX pulled my credit the same day as Service Financial pulled my credit or, who authorized this, because it was me. As a result, my credit score dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know Service Financial is XXXX  XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.
Product: Student loan

I look on my account on line. on XX/XX/XXXX. i noticed that there is 7 deliquent notices and i have never recieved one of them. I should be recieving this information in the mail. now on my account, for i do not check my account on a daily basic, I did send them information to lower my payment in the month of XX/XX/XXXX.Copy of my paycheck, bank statement and my XXXX  for XX/XX/XXXX/XX/XX/XXXX. I did not recieve any information that they recievced it. NOT even on there web site. because of this i am behind on payments. my financial  situation has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Equifax Mishandling of Credit Report Investigation To Whom It May Concern : I am writing to formally file a dispute with the Consumer Financial Protection Bureau regarding the sham investigations conducted by Equifax in response to my attempts to correct errors on my credit report. These errors pertain to an account listed under XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. 

Despite multiple attempts to dispute these inaccuracies, Equifax has failed to conduct a thorough and proper investigation as required by the Fair Credit Reporting Act ( FCRA ). The credit reporting agency has continuously upheld incorrect information on my credit report, causing undue harm to my financial reputation and well-being. 

Below are the key issues I have encountered : 1. Failure to Perform a Meaningful Investigation : Equifax has not provided any substantive evidence to support its conclusions in my disputes. Its responses lack transparency and fail to address the specific evidence and details I provided. 
2. Verification Procedures Appear Inadequate : It appears Equifax merely rubber-stamped the creditors data without properly verifying its accuracy. This behavior demonstrates a lack of compliance with the obligations outlined under the FCRA. 
3. Ongoing Damages : The inaccurate reporting of this account has adversely impacted my credit score and ability to secure financial opportunities. 

I kindly request that the CFPB intervenes and investigates Equifax dispute-handling process in this matter. I am attaching the following documents to support my claim : I ask the CFPB to hold Equifax accountable for its obligations under the FCRA and to ensure that my credit report reflects accurate and verified information. Additionally, I request a formal review of Equifax investigation practices regarding disputes to prevent such issues from recurring in the future. 

Thank you for your time and assistance. I look forward to your response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Product: Debt collection

Received a phone call today from IC System, one of many, apparently XXXX to be exact. Rep asked for XXXX XXXX. Told him that there was no one here by that name and that I have received at least XXXX calls from them and they do n't even have the correct number. His response was " I do n't think so and I have shown that it was only XXXX times logged. 
How can they be allowed to harass when it 's not even the correct number???
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.