23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount.
Product: Debt collection

Ad Astra Recovery Service has been sending me collection notices in the amount of {$400.00}. This collection has been reported as a past due balance. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature in writing agreeing to any debt nor have they provided me with enough information to accurately confirm that the debt is indeed mine.
Product: Credit reporting or other personal consumer reports

I asked for this debt to be removed and show proof they didnt.
Product: Credit reporting or other personal consumer reports

Have attempted to update credit file with new legal name and newly opened credit card amount multiple times thru Experian website. XXXX XXXX has reported correct account info to all bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>, This updated info is still yet to appear on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that the collection of Midland Credit Management was removed on XX/XX/XXXX or around there on my XXXX XXXX is correct, but on my XXXX and XXXX is still showing Midland Credit Management is still on my report on those bureaus. I believe that's unfair and unjust to not remove all 3 bureaus not just one and still trying to collect and hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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

I have been demanding Equifax to remove XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. This has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Equifax and will no longer extend my credit until everything is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$28000.00}
Product: Checking or savings account

Urgent Action Required : Fraudulent Check Issue Unresolved for Over 120 Days I am writing as a Citibank customer of over 30 years to express my deep frustration and disappointment regarding the handling of a fraudulent check for {$5500.00} that was endorsed and cashed by an unauthorized party through XXXX  XXXX XXXX. 

Despite providing all necessary documentation over three months agoincluding affidavits from my landlord confirming the check was never receivedCitibank has refused to refund the stolen funds. While you claim XXXX  XXXX XXXX is responsible, I hold Citibank accountable for failing to protect my funds, as the check was improperly processed and cashed. 

The resolution offered to wait an additional 30 to 90 days is both vague and unacceptable, especially as I have already waited 120 days without any meaningful progress. Furthermore, the person at the phone number you provided has been consistently rude and unhelpful, adding to my frustration with this process. 

This lack of accountability and customer care is appalling, and it undermines the trust I have placed in Citibank for over three decades. I demand immediate action to reimburse the stolen funds and rectify this situation without further delay. 

Please confirm receipt of this letter and provide a concrete resolution timeline within the next five business days. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : 1. The name and address of the original creditor. 
2. A detailed itemization of the debt, including the principal, interest, and fees. 
3. Copies of any signed agreements or contracts proving my obligation to this debt. 
4. Documentation showing that your agency has the legal authority to collect this debt. 
5. Any applicable statute of limitations on this debt. 

Until I receive this information, I request that you cease all collection activities, including reporting this debt to the credit bureaus. If this debt has already been reported, please note that I am disputing it and update my credit report accordingly. 

If you can not provide proper validation, I request that you remove this debt from your records and confirm this action in writing. 

Please respond within 30 days of receiving this letter. I look forward to your prompt reply. 

Sincerely, XXXX Make sure to send this letter via certified
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regard Citibank, There was about 6 transaction ... ..that came from XXXX XXXX which is Frad because i never used my Citibank card that has to do with XXXX ... .The only suspect was probably when i went to the drive through to despite my money around XX/XX/XXXX there was a man ( with no car ) playing with the ATM at the drive through, for what reason he was doing there ; i don't know maybe he hacking into the machine ; i don't know but i want my money back!!! there a COVID-19 issues and i need my money ... 

I have also looked up on what XXXX XXXX is, it seem it's been going around and stealing people money ... without having to used your credit card ... so there is hacker out there ; around this horrible time of moment, stealing people money.
Product: Credit card

Fraudulent charges were made on my credit card in another country and the credit card company is not reversing the charges. Theyre holding me responsible for charges I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to  contact XXXX XXXX immediately. 

XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 've called XXXX numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.
Product: Debt collection

I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXXXXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX XXXXeeds to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over thirty one inquires on my credit file. XXXX XXXX auto / XX/XX/XXXX via auto loan XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Texas hot rides XX/XX/XXXX XXXX Fin XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX all inquries are double
Product: Credit reporting or other personal consumer reports

The company reports false information on credit report., also increase pricing of car and interest rate without approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a home loan. My Equifax and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the Equifax agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with XXXX, Equifax and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.
Product: Mortgage

Hello, I would like to file a formal complaint against Freedom Mortgage Corporation. They purchased my loan from XXXX in XX/XX/2022. I have had an extremely difficult time trying to pay my bill with them. Their computer system is difficult to use and it directs the customer to contact their help line by phone which I have done every single month. I was with XXXX for over 5 years and did not miss XXXX payment. Freedom Mortgage corporation reported me as late in paying even though I contacted them every month telling them I was trying to pay my bill and even paid once over the phone. I explained to them that I had an XXXX credit score because I like to pay my bills on time. I was repeatedly assured that the problem was resolved. I then received a notice from my credit reporting that I was delinquent on my mortgage after being repeatedly assured by the " help line '' that everything was fine. I have contacted them since and they have removed the delinquency. However, they continue to report me as late even though they are taking money out of my account. I have verified with my bank that they are indeed taking money out of my account and I can see the transactions online. I am beginning to think this is a scam that they use to charge people late fees. The public should be protected from a company like this with such lousy service. They should be barred from the mortgage industry! Again, I find it very interesting that I did not have a single problem or missed payment with XXXX in over 5 years and I have had nothing but headaches and been reported as late by Freedom Mortgage when I have tried to resolve this over and over without success. All I want to do is pay my bill on time every single month. My credit score reflects that I like to pay my bills on time! I will be contacting the Attorney General 's office as well. This is hands down the ABSOLUTE WORST company I have ever dealt with! Thank you for your help Best regards, XXXX
Product: Credit reporting

I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report.
Product: Credit card or prepaid card

I set up direct debit to pay off my monthly statement on my Barclays, XXXX XXXX credit card. The XXXX statement was for roughly {$7000.00}. When Barclays debited my bang account, they debited {$9800.00}. They did not apply a return ( which was returned to XXXX XXXX on XX/XX/XXXX for {$3600.00}. When I called them and apply the {$2800.00} to my bank account they said they couldn't and that they would have to mail me a check ( complicated by the fact I had just moved and did not have the correct address on file ). 

I called my XXXX XXXX bank to complain and they backed out the entire transaction ( what Barclays said they couldn't do ). 

The complaint is I set up bill pay to bring the balance to {$0.00} for the month. Barclays in essence overdrew my account {$2800.00} ( pulling {$9800.00} ) for a statement that showed I owed roughly {$7000.00}. Clearly I was not expecting this since no credit card I have ever had has done this.
Product: Debt collection

I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with LVNV Funding and Resurgent where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.
Product: Credit card or prepaid card

American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian-XX/XX/2017-After agreeing to {$1.00} charge for report and cancellation within 7 days called over 1 dozen times to cancel subscription. Phone is put in a " were sorry '' loop and never answered. They continue billing me and my Bank says they can not stop {$21.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been over 35 days, so they should be erased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>Foursight - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

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

TransUnion And XXXX are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX  : {$50000.00} XXXX XXXX XXXX  : {$50000.00}
Product: Debt collection

I had paid this debt and challenged debt within requirements under law and no valid confirmation of the date was made and it was not removed from my credit reports!