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

To Whom It May Concern, I am filing a complaint against PayPal regarding an unfair dispute resolution that resulted in my account being fraudulently charged {$280.00}, leaving my balance negative. 

Issue Summary : I provided digital content ( User-Generated Content ) to a company in exchange for payment via PayPal. 
The company later falsely claimed I did not fulfill the agreement, despite receiving all the content. 
I submitted clear evidence ( screenshots, messages, and proof of delivery ) showing that I completed the work as agreed. 
Despite this, PayPal sided with the buyer, reversing the payment and charging me a dispute fee, leaving my account negative. 
I contacted PayPal, but they refused to review my evidence fairly or reinstate my funds. 
Unfair Practices by PayPal : PayPal allowed the buyer to keep my work without paying, enabling fraud. 
Their dispute resolution process is biased against sellers, especially those providing digital services. 
PayPal now expects me to pay for a fraudulent dispute, despite my proof showing I did nothing wrong. 
Requested Resolution : I am asking the CFPB to investigate PayPals dispute process and : Require PayPal to reverse the dispute decision and reinstate my {$280.00}. 
Remove the negative balance from my account. 
Hold PayPal accountable for allowing fraudulent chargebacks on digital goods/services. 
PayPals policies unfairly punish small business owners and content creators while enabling fraudulent buyers. I am requesting that the CFPB take action to prevent further abuse. 

I have attached the agreed upon content and payment that was discussed with the person I sent the content too. And all pictures showing proof that I delivered my work and then PayPal still allowed them to commit fraud and steal my content and reverse the payment. 

Thank you for your time, and I appreciate your assistance in resolving this issue. 

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

I filed an online dispute regarding a collection on my credit report reported by XXXX power bill. 
I submitted all documentation showing I do not owe XXXX power anything and still Experian refuses to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  BANK XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am not associated with the mentioned creditors, and the inquiries on my report are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting Act XXXX  Account number 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( eX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

My identity was stolen. I found out when I received a credit report when applying for an apartment. I spoke to XXXX on XX/XX/2018 at approximately XXXX pm. I requested the letter as I was advised by the FTC detailing that : 1. the fraudulent account was not mine. 2. I am not liable for the account. 3. That the account was removed from my credit report. 

XXXX from CapitalOne told me that the account has been closed due to fraud and that I would be receiving the above requested letter in a few days. 

Today, on XX/XX/2018 at approximately XXXX XXXX I contacted CapitalOne as I still did not receive any correspondence from CapitalOne as promised. I contacted CapitalOne and informed them of the situation. XXXX told me that they were notifying the credit bureau but I could not get the letter as promised unless I provided a copy of my social security card and my driver 's license. I told them I was uncomfortable with that as my identity was stolen and could provide them with any information they wanted. They refused to help me. 

The basis of this complaint is that the company told me incorrect information during a sensitive time on XX/XX/2018, did not follow up with me, and when I called again they said the complete opposite of what they said during my initial call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agency,  Especially  Equifax and  XXXX ,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All  XXXX  credit bureaus are not allowing me to dispute this account online now. Please help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues either the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo XXXX XXXX and asked them to please update how they are reporting to my credit. I had filed bankruptcy ( XXXX  XXXX ) in XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo as NC a courts do not allow that. I continued to make all payments as I had been, and all on time. I understand they do not have to report, thats fine. Instead wells is reporting my account status as derogatory instead. My mortgage has been paid off, paid in full, never late. I asked they remove the information or updated it correctly. Nothing has been done. I also disputed it multiple times with the credit bureaus with the same thing happening. This derogatory credit reporting has lead me to get denied for auto insurance as they think I owe money. I have my pay off letter and just would like this removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never asked XXXX, Transunion or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, LOBEL FINANCIAL, is inaccurately and erroneously reported. Their intentional and willful furnishing of misleading information is a violation of FCRA Section 623 and according to FCRA SectXXXX XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please examine and delete it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address associated with a fraudulent account on my credit file That reason can't be processed online. Can you please remove the address and account please. 

This Address was reported to Experian byXXXX XXXXXXXX Address XXXXReport numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a certified letter to Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing
Product: Credit card

First my Sephora Visa card stopped accepting electronic payments from my bank and did not notify me. Second, they changed their postal mailing address without notifying me or my bank. In so doing, they got to charge me a {$40.00} late fee each time. Then, after a 3-way call to get the payment problems sorted out between me, my bank, and the credit card, they started holding my check payments and not applying them until 5 days after receipt so they could charge me another {$80.00} in late fees. My bank says they received my XXXX payment on XXXX and did not apply it until XX/XX/XXXX, and they received my XXXX payment on XXXX and did not apply it until XX/XX/XXXX so they could charge me a {$40.00} late fee each time. I have had it with this company and want me late fees reversed.
Product: Credit reporting or other personal consumer reports

I am not responsible for a debt that I didnt authorize and didnt sign for. I need that fraud packet immediately. 


I never received the fraud packet in the mail for this debt you guys are trying to collect from me. You guys stated it was mailed but I never received it. This is fraud and I need that packet immediately or you guys will have to fax it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX Certified mailed my disputes to Transunion and they have no CORRECTED the unverified " Charge off '' this is preventing me from getting a new home. 

THEY HAVE NOT SUBMITTED PROOF IN WRITING. 

I DO NOT OWE THIS DEBT REMOVE IT immediately OR I WILL SEEK punitive DAMAGES GRANTED BY THE FCRA FOR FAILURE TO COMPLY I DEMAND that they remove these ITEMS FROM MY CREDIT REPORT AT ONCE. 

CHILDSUPPORT Account Number : XXXX it is inaccurate and this is also an invasion of my privacy They are in VIOLATION OF 15 usc 1692 ( a ) of the FCRA Also these inquires are unauthorized i called and tried to get them removed they are violating my rights by not complying. 

XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX  XXXX  Date of inquiry : XX/XX/2021
Product: Bank account or service

My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
Product: Credit reporting or other personal consumer reports

I had aXX/XX/XXXXback in 2018 for less than 6 months. I got my final statement in XX/XX/year>2018 from XXXX. They closed their location and store down via bankruptcy and couldnt pay the card off or anything. I reached out, nothing years later I get a it on my credit report. I had it on my report for almost 7 years now and I dispute it and they constantly confirm that its accurate I never got information on what they have. I never get it to be removed off my report. Its past statute of limitations.. they dropped my credit down XXXX points
Product: Credit reporting or other personal consumer reports

This is the second time that I am reaching out to TransUnion XXXX and XXXX about fixing my personal information because this information was an accurate it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX # XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  # XXXX XX/XX/XXXX Account name : XXXX XXXX # XXXX XX/XX/XXXX Account name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XX/XX/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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. Other than records of convictions of crimes which antedates the report by more than seven years.

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

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check last week for {$2000.00} on XX/XX/2023 from my old landlord. The funds are in my account and the funds have been taken out of my landlords account. My landlord proved this by sending me an email with a screenshot that show 'd the bank withdrew the funds including a photo of the check and my signature from the electronic deposit. 

Chase deposited the money into my account and froze my account and are closing it in 10 days ( from the XX/XX/XXXX date ) and plan to withhold the {$2000.00} from that check until resolution. They are saying it will be in this hold for 2 years until resolution is found. I've been a chase member for many years with no issues. 

Our ( my husband and I ) landlord has been willing to cooperate ( minus some unreasonable requests from chase ) They are saying there are a few options which ALL have led us to a dead end. they have given us the run around but i still do not understand why they believe the check is fraudulent. 

1 ) Provide them a phone number to call that is associated with his LLC so they can verify the check isn't fraudulent. We did that, and gave them two phone numbers that our landlord gave us. But since the phone number isnt under his name through his phone company ( determined by a 3rd party security system ) they can not call that number. We talked with our landlord and he basically is telling us he cant give them any other phone numbers and thats not his problem ( We agree ). Chases is asking that our landlord can update his phone number to match his name so it can pass their security system, we believe this is an unreasonable request for him to jump through hoops with his phone company. Chase 's strict security reasons are not our problem. This is a dead end. 

2 ) they have tried to call his bank ( US bank ). but they cant give them the info needed for security reasons. - Dead end. 

3 ) for our landlord would have to ask his bank to cancel the check. Chase stated that this doesn't always work which leaves us and out landlord uneasy. our landlord is rightfully hesitant since the funds are out of the account and in our account. - Chase has successfully deposited our money and this is an unreasonable request. 


further action taken by us that Chase refuses. they will not take our email from our landlord as any kind of proof.
Product: Checking or savings account

On or about XX/XX/XXXX, I noticed there were at least 13 unauthorized charges on my checking account. These charges were made once per month dating back to at least XXXX of XXXX in the amount of {$29.00} each. The name of the vendor changed each month so it was difficult to detect and I did not recognize any of them. I then called Capital One to initiate a dispute. Capital One then gave me a provisional credit for each charge including interest. However on XX/XX/XXXX without my knowledge or consent, Capital One reversed 3 of those credits for the fraudulent charges for the amount of {$29.00} each, totaling {$89.00}. I did not not receive any explanation as to why these credits were reversed. These charges were fraudulent and not authorized by me so Capital One should refund the money. It is very concerning to have your money stolen not only by thieves but also by the bank itself. The charges in question which you can see on the attached statement are for XXXX XXXX, XXXX, XXXX, and XXXX. I did not use any of these services or ever authorize payments to these vendors.
Product: Mortgage

I spoke with PennyMac and they told me to submit the documents they provided and that they will review it. I checked today and they said that they are automatically rejecting it without review and will continue to let my house get foreclosed on. I am trying to work with them to do a short sale and they didn't even consider looking at the forms I filled out.
Product: Consumer Loan

This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.