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

We are a business consulting company, we provide our clients with solutions for their companies, such as web development, XXXX XXXX, accounting services, digital marketing, among others. 

On XX/XX/XXXX we received a payment in our PayPal business account, a payment of {$800.00} from our XXXX client " XXXX XXXX XXXX '' which is a non-profit foundation that is buying from us a license of the XXXX XXXX software in its Cloud Standard version, of which we are authorized Solution Partner. 

On XX/XX/XXXX we received a payment of {$4000.00} from an invoice of XXXX in our paypal business account, from our client in XXXX XXXX XXXX XXXX XXXX. who bought us a XXXX license in its XXXX XXXX XXXX version. It is agreed that only the client will initially pay {$4000.00} and the remainder at the end of the installation and configuration work of their server. 

We tried to transfer the funds from our PayPal business account to our bank account to make the payments of the licenses of our clients and pay our employees, however, PayPal told us that a security check had to be done and they also informed me that I had a debt in my personal PayPal account for an amount of {$970.00}, I contacted the PayPal collections department to charge the debt from the funds that are withheld, but the collections department informed me that paypal had sold that debt in XX/XX/XXXX to the company XXXX XXXX XXXX XXXX. 

We contacted XXXX XXXX XXXX XXXX and they kindly informed us that Paypal had indeed sold the debt to them, so we made a payment agreement, I also informed them that the available money was held in PayPal for which they agreed to give me 30 days to resolve the payment. I contacted PayPal 's collections department and they told me that they would remove the restrictions on my account so that I could use the money that is available there. However, the PayPal account restrictions and support department keeps telling me that I must pay the debt to them and not to XXXX XXXX XXXX XXXX, but they do not allow me to transfer the money to my bank account to make the payment and they do not collect the debt from the available balance in my paypal account. 

It seems to me that everything may be a misunderstanding between the PayPal departments, but there is also the possibility that it is a scam, that is why I have decided to send you the information so that you can start the investigation.

I have seen many similar cases on the internet and PayPal ends up stealing people 's money, please take the necessary actions so that this type of thing does not happen, we are a small company and every penny withheld affects our operations, it is difficult to grow as company if these types of problems occur. 
I enclose the debt resolution letter that XXXX XXXX XXXX XXXX sent me and that I sent to both the collections department of paypal and the account limitations department. 
I am currently having problems with my clients and my suppliers because I have to make payments and the money is being held in PayPal, even though I have already paid off my debt following the instructions they gave me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 I made a payment to clear a past due account that was through XXXX XXXX but was sent to Ad Astra Recovery Services as an account in collections. Upon my payment Ad Astra Recovery Services promised to have the collection account removed from my credit reports in 30 days. Today is XX/XX/2019, 37 days later. The collection accounts have been removed from XXXX & XXXX but still remain on XXXX.
Product: Credit reporting

I have XXXX credit cards that I am only authorized user on and they report it on my credit report which is affecting my credit score b/c it shows up in my balances and history. This was my ex-wife 's accounts and she was late on paying them. I am not legally responsible for the debt and do n't feel it should show up on my credit report. I would like for them to be deleted off my credit report and update my credit score. If the only way they can do that I want off as authorized user and it deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. 15 USC 1681bPermissible Purpose of Consumer Rights, also 15 US Code1681 ( 2 ) ( a ) ( i ) and 15 US Code 1681 ( b ) ( 2 ) ( a ) ( 2 ) In General : meaning unless a consumer reporting agency has my written instructions, you are not to furnish anything in my report. Permissible purpose means with consent and or written instructions. No One had my written instructions to report onto my consumer report! 

Account XXXX XXXX has violated my rights and violated the consumer law according to 15 US Code6802 Obligations with Respect to Disclosures of Personal Information, a financial institution is suppose to give me 3 disclosure forms : 1 ) letting me know that they are going to report 2 ) letting me know that I have the right not to disclose this information to the consumer report 3 ) letting me know that I have the right to do so, and how to exercise that right Account XXXX XXXX has not shown me any proof that their company has sent me the three disclosure forms, most importantly, where I signed to NOT OP-OUT, they can not provide that proof, because I was never given those documentations. Therefore, my consumer rights being violated! 

This is a violation of the No SUPRISE Act This is a violation of HIPAA Also, in the state of Florida in order to collect an alleged debt, you have to be licensed in the state of Florida Account XXXX XXXX is not licensed in the state of Florida, so why are they allowed to report anything onto my consumer report? I demand immediate deletion!
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus about removing this XXXX XXXX XXXX XXXX account multiple times I have called wrote letters to there dispute center and everything this account is reporting inaccurate information on my credit report and it is greatly affecting my credit report XXXX, XXXX, & Experian are supposed to me on my side and resolve this issue but they are giving me such a hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters for the past 6 month asking them to fix the account status of this creditor. I have yet to receive a response from the creditor Letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. They have reported to Equifax that the account is derogatory which it should be reported as paid ( XXXX and XXXX both show as paid )
Product: Mortgage

I submitted an application and recently received a decision letter which did not give much explanation as to what income they are considering the letter also states that i have an appeal time of XXXX days but yet they have my property set for auction while i am on the appeal process. Their letter is contradicting it states no foreclosure will be held but yet they never placed it on hold. I am suffering from anxiety and paranoid living in fear that I might end up in the streets. I've submitted an appeal and I also need the calculations that they are using to determine my eligibility which they have failed to provide me with. All I see is bad faith on there end. My income can definitely support my payment I make more than enough I can afford my mortgage. I feel that they are just targeting Hispanics and force them to loose our homes.
Product: Credit reporting or other personal consumer reports

The debt that is reporting on my credit report is already paid off in XXXX.
Product: Credit reporting or other personal consumer reports

Ive been corresponding with Transunion to remove a bankruptcy off my report. I requested they validate the account. I was not supplied with with the validation. 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation? d.What was their position?

e.What telephone number did you call?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX XXXX provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit
Product: Credit card or prepaid card

I purchased a pair of shoes online. When I received the shoes, it was very clear that they were not the name brand they were labeled. They name tag was altered and a different color. The size did not match the label. I tried to contact the seller and they would not respond to my requests. I then contacted PNC and reported fraud. The case has been cancelled for pretend reasons multiple times. There have been at least 3 follow ups demanding more written information. Finally, in a letter dated XX/XX/16 PNC is demanding that I prove the shoes were not a legitimate name brand and " provide documentation from the real entity that indicates that the merchandise is counterfeit. Include the name of the entity providing the notification and validation that the entity is qualified to provide the notification. '' This is nothing more then yet another reason for PNC to cancel my claim and act in bad faith.
Product: Mortgage

My loan was recently transferred from XXXX to US BANK. I have sent US BANK two payments. The second payment was reversed from my account and sent to XXXX. The Cashiers check specifically stated where that money should be applied and US BANK took it upon themselves to take my XX/XX/XXXX payment and send it to the previous lender without even informing me causing my account to be past due.
Product: Checking or savings account

On the XXXX of XX/XX/2022 I got two unauthorized debit transactions for {$150.00} and {$160.00} from a gas station in MN. Ive never been to the state of Minnesota or used my card there. I called chime bank to open a dispute of which they denied saying the charges was legit. I need my money back pls total {$310.00} Claim ID is XXXX
Product: Mortgage

I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.
Product: Debt collection

I am writing to express my ongoing concern regarding a disputed account that I have previously raised multiple times through XXXX XXXX. 

The account in question appears to be from Comenity Bank, with a balance of {$400.00}. I want to be clear that this account does not belong to me. I have never received any documentation regarding who opened this account in my name, and I believe this situation constitutes fraud. 

Furthermore, this fraudulent account is having a detrimental impact on my credit score, as it shows to have been opened in 2018, which means it has been negatively affecting my credit for the last six years. 

Additionally, I have sought assistance from XXXX XXXX regarding this matter, but I have found their responses to be dismissive, and they have not taken any meaningful action to address this fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a sofa and a love seat from XXXX XXXX XXXX for {$930.00} with my best buy visa credit card. The furniture was scheduled to be delivered in two weeks, which the merchant failed. Six weeks later I contacted the merchant through email and I was told I am the wrong person. I text them back again and no response. So I disputed the purchased. A week later the furniture was delivered and I called to cancel the dispute. On XX/XX/XXXX, the merchant texts me for his money, I called the BestBuy credit card customer service and was advised by the customer service representative to go back to the store and pay. On XX/XX/XXXX, I checked my statement and saw that the merchant was paid {$930.00} on XXXX the XXXX the same amount I paid on XX/XX/XXXX. Even though I did not have enough money in that account. I was given overdraft which ruin my credit score and they started charging me huge interest. I called them and I was told to go back to the store. The store manager told me, that they never received payment twice and that I should follow him to his bank which was not the right thing to do. I went to the store with my sister, and we were almost beaten up. I disputed the XX/XX/XXXX, and nothing happened and now the XX/XX/XXXX dispute, I have not heard anything. Any time I called to find out the status of the dispute they hang up on me. I just need my {$930.00} Back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX UCS Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. I have filed an identity theft report with the Federal Trade Commission. The last four digits of my Social Security Number is being reported inaccurately on my credit profile. 

I have also requested a validation of the accounts that are in collections on my credit profile.
Product: Debt collection

I spoke to FMA alliance and informed them that this was my maiden name and has not been used in over 40 years.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1200.00} XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1300.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1500.00} NONE OF THESE WERE AUTHORIZED. I have no idea who these people are. Zelle evidently do not provide or offer any SECURITY OR AUTHORIZATION CHECKS to confirm that the account holder is making the payments or aware that they are being made. Zelle was submitted 4 complaints to go over the transactions that completed. 3 more were blocked by my credit union.

ZELLE is a PROBLEM and they need to be shut down or regulated or FINED so that they don't provide a service that involves finances without any security measures whatsoever. 

I would like to file charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Equifax Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, in reference to my identity being stolen. Please reference to the following inquiry request as listed below. 

XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX  XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX  XXXX  XXXX-17 XXXX XXXX XXXX-17
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5000.00}
Product: Money transfer, virtual currency, or money service

I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.