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

On Wed, XX/XX/XXXX I used the Buy it Now option on XXXX to purchase a {$12000.00} XXXX XXXX. I was skeptical of the listing but decided to take the chance thanks to XXXX XXXX  XXXX XXXX XXXX and my use of Paypal as a safe transfer method in the past. 
XXXX instructed me to reach out to the seller, username : XXXX, name : XXXX XXXX, email : XXXX, through their messaging service rather than allowing me to pay through XXXX. We agreed on payment through Paypal. In order to send the funds I needed to move money from my XXXX XXXX  account into Paypal. I then received an invoice on Paypal and sent the payment of {$13000.00} on XXXX, XX/XX/XXXX. 
Over the next several days I attempted to contact the other party however he did not respond. I requested for XXXX to step in, however they instructed me to reach out to my payment method. I then took the initiative to dispute the transaction through PayPal but was denied based on their policy regarding vehicles. I also went to XXXX XXXX  but since I had technically authorized the transaction, I was not allowed a refund based on their policy. 

I am appalled by the lack of concern and policy structure regarding an obvious case of fraud. I have filed a report with the Federal Trade Commission as well. I have documented the events in the images below.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX  XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
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. 

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 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent account # XXXX is blatant inaccurate information and according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Mortgage

Today we received a notice from bank of America that they are selling my mortgage to another company called   XXXX   XXXX   XXXX   XXXX  , taking place as of   XXXX   XXXX   2017, which the reviews on his company are terrible, they also say that this company just keep charging you late fees when in fact you are paying your mortgage on time. Can I stop this practice of Bank of America from selling my mortgage to his company? What can we do as consumers? We received this notice 13 days before this change taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very sick in XXXX. I missed my payments from XX/XX/XXXX - XX/XX/XXXX. I would like these to be deleted from my credit history. I spoke with XXXX XXXX and they said they can make an exception because I have a good credit history besides this time of my life. I was unable to pay because of my sickness. I was in the XXXX. Thank you.
Product: Credit reporting

An item appears on my credit report from XXXX XXXX XXXX and I am not aware of ever receiving services from the original creditor XXXX of XXXX. The contact information including phone number are not correct as the business has closed and phone number is to a towing company. They are not able to provide me with correct contact information yet they can verify the debt with a company that does not exist any longer. The original creditor is also no longer in business. The only resolution I get is to file another dispute. When asked why they can not put me on hold and call the company they continue to tell me they will file another dispute. If I am not able to conact a person reporting negative information on my report to get information how can they legally continue to report it. The response is that the origianl company has my name and information correct so it will remain. This is very frustrating that credit scores are held in such high regard, but accurate record keeping and providing basic contact information is not. I have repeatedly asked for updated information or to have the item removed from my report. Once again, the answer is file another dispute and wait 30 more days.
Product: Debt collection

I am in the process of filing bankruptcy and was advised to stop paying on my credit cards so one of my payments is currently late with Comenity Bank and they called me 22 times in 4 days and I reached out to them and let them know they could not call me more than 7 times in a 7 day period and I asked that they not contact me anymore and they contacted me again after I asked them not to. I was also getting calls from a blocked number as well and received a voice mail however they thought the call had been disconnected but they were actually talking on the voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing letters to XXXX, XXXX, AND TRANSUNION ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Automotive + XXXX XXXX  Inquiry : XXXX XXXX, XXXX Banks XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX XXXX : XXXX. XXXX, XXXX Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies
Product: Payday loan, title loan, or personal loan

This is not the first time we have had issues with payments with Synchrony Bank. There are two medical loans one from my XXXX and one from our XXXX. Payments were due by the XXXX  of each month. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX ) and no finance charge. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX  ). These payments show on the Synchrony Bank website however I was charged a {$27.00} finance charge showing a late payment on the XXXX. But my payments were on time. Once again a problem with Synchrony Bank payments. This {$27.00} finance charge must be refunded and an investigation conducted why payments to Synchrony Bank are not recorded correctly.
Product: Debt collection

who is XXXX? I am formally requesting validation of this debt, owed to this organization otherwise I am requesting removal for this posting from all impacted credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint I previously filed and which was recently deemed " closed '' [ reference XXXX ] was evidently addressed to the wrong loan processor. The complaint was sent to XXXX XXXX XXXX. Based on the information provided in the responses from XXXX XXXX XXXX XXXX XXXX XXXX   and from XXXX XXXX XXXX, the complaint should have sent to XXXX XXXX XXXX . 
Here is info copied from the responses sent : " If you have any questions for ... XXXX XXXX ... about your Home Equity Line of Credit ... please contact them [ the prior servicer ] using the information below : XXXX XXXX  Customer Service Department ( XXXX ) XXXX XXXX Consumer Services XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

I went to the XXXX XXXX branch of Umpqua Bank in XX/XX/XXXX to send money to XXXX. I was told that I needed a cashier 's check. The check was sent but could not be cashed. I took the cashier 's check back to the branch on XX/XX/XXXX. The representative told me that the check was " old '' and that the manager had to approve my redepositing it. ( Two to three months to and from XXXX, even for airmail, is not unusual. ) I then said that I wanted the fee- I thought that the cost was {$25.00} but was twice told that the fee had been approx. {$12.00} but is now {$10.00} ) to be reimbursed. The representative told me, all but verbatim, that Umpqua Bank is not responsible for what other banks do and don't do. I asked to speak with the manager who said what the representative had all but just said. Both were amazingly rude. I then went to the Umpqua XXXX XXXX branch in XXXX XXXX, CA. In asking for a copy of the cashier 's check, the representative asked why the money had not been sent by wire. A copy of the cashier 's check revealed that the funds had been sent in XXXX not XXXX dollars. I called Umpqua 's customer service and found out that it is the manager 's discretion re reimbursement of the fee. I asked how can that be ie apparently, I have to pay even though Umpqua was in error as to how currency should be sent abroad and when I complain, it is perfectly acceptable for me to be treated so very rudely. It appears that as a customer with Umpqua, I should know which branches to visit to obtain the correct info and services as well as be treated well? If I go to an engineer because my land has drainage problems, how am I supposed to know what drains or whatever is needed. This is a matter of principle and as I become older, I am so tired of dishonesty.so
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report debt owed of {$240.00} with XXXX XXXX XXXX, dispute was submitted twice, nothing was done.
Product: Checking or savings account

Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.
Product: Credit reporting

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I wrote my dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to manifest my dispute. Although I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute, I suppose it is possible that I may have missed something. I would truly appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I need to know what made my letter " suspicious '' and why Experian would think that someone else would want to have my credit report investigated. Does n't investigating my credit only really benefit me? 
I would like Experian to let me know if I can re-write my letter and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
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. 

Account Name : 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 has violated my rights . Or list of inquiries 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: Debt collection

I have made every payment and am ahead one payment but XXXX XXXX, XXXX have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 contacted Experian on XXXX XXXX, 2017 to initiate a dispute on my credit report. I already have a fraud alert on my report to protect myself. But this still does not protect me from hard inquiries from showing on my report. I notified Experian of these unauthorized inquiries on, initiated a dispute, was not provided the decision of the disputes, Nor was the dispute in my favor. Seeking immediate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I opened a bank account with XXXX XXXX. On the same day I used Zelle to transfer {$1000.00} from my personal checking with XXXX XXXX to the XXXX XXXX account. From XX/XX/22 to XX/XX/22 my account was barely used for little things like paying for my mobile game transactions, XXXX subscriptions, and XXXX XXXX to enjoy some cash back rewards as advertised for this bank account. On XXXX something happened between XXXX XXXX and Zelle where they struck a new user agreement which flagged numerous accounts as being Fraudulent. This effectively put a freeze on my ability to use Zelle with my primary phone number and email address. After waiting a month hoping this issue would resolve itself I proceeded to close my XXXX XXXX account on XX/XX/22 thinking this would fix the problem. 

The problem still persisted, so I contacted XXXX XXXX and had them remove my phone number from the closed account on XX/XX/22 as advised by a Zelle customer service representative. Early Warning Services LLC known as Zelle still refused to release the freeze on my phone number even after being contacted in a conference call on XX/XX/22 with a XXXX XXXX account telling them my phone number was released and in good standing within XXXX XXXX  system. That same date my closed bank account was unenrolled with Zelle and they sent a confirmation email to Early Warning Services LLC.

My last contact with Early Warning Services LLC known as Zelle was on XX/XX/22 escalating the phone call to a second supervisor in hopes this matter could be resolved because I should not be bound by this XXXX user service agreement after being unenrolled with a closed XXXX XXXX account. They told me there was nothing they could do that my account is flagged as fraudulent in their systems. This means that Early Warning Services LLC known as Zelle has improperly reported information in their system and refuses to correct it. So now I am writing here to hopefully get this matter resolved formally for myself and many others who are in this situation due to XXXX XXXX.
Product: Credit card or prepaid card

I am filing a complaint because my credit card was canceled because of inactivity, and I never received a notification prior to the cancellation. 

This is so unfair when a consumer has a 100 % payment history and because of inactivity Regions closes my credit card without any notification. Regions Bank has no clue as to why the credit was not being used. 

I also want to complain about XXXX XXXX that lowered my available balance excessively because of no activity, but at least they did not close the account. My credit score was lowered by XXXX  points because of this action by XXXX XXXX.

Therefore, my credit score will go down again because of a closed account. I could see the account being closed for non-payment, delinquent payments, etc., but to be closed because of inactivity is ridiculous. 

This definitely is NOT THE AMERICAN DREAM!!!!!!!!!!! 

I would appreciate a response regarding the above issues and concerns. 

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

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
WESTLAKE FINANCIAL SVC ( Original Creditor : WFS ) XXXX Balance {$0.00}
Product: Mortgage

I had started out of the gate, and a few people and witnesses will tell you that I was unwilling to escrow the insurance. I told everyone through email at XXXX XXXX and my agent that it was a deal breaker if it was required.And I was told it shouldn't be a problem and I verified all of this before making an offer and moving forward. I have already paid inspection fees, XXXX appraisals and earnest money and they are saying I have to go back on it. I also paid the insurance outright for the year, and they are still trying to escrow the money. I did not want this and now they are saying, I can't pull out without losing my money XXXX dollars. I feel like this is gross misrepresentation.Especially since I asked the questions beforehand and I have emailed traffic to prove it and witnesses who will testify.
Product: Credit card

There is a fraudulent charge on my deceased husbands account. Even though at the time of the charge my husband was not well enough to even sign his own name, the financial institution is insisting this is a legitimate charge. They put me through a lengthy process to become authorized on the account and when I last spoke with the financial institution they told me they could still not help. I have received a letter in response to my last complaint telling me that I needed to call into fraud to report it, but when I did that as instructed they tried to transfer me to the probate department again and then hung up.