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

Good day, can you please help me regarding my problem? when I open my email address i received a message from paypal saying that XXXX XXXX Jumpstart your business with PayPal Let 's grow your business together Welcome to PayPal! We're excited to help you start accepting payments with your new PayPal business account. Just click the button below to complete the last few steps to set up your account Prior to receiving that email on XX/XX/2023, at XXXX XXXX, PayPal had placed my customer 's funds on hold. However, when I checked my PayPal account, I saw that PayPal had released the payments from my client and was prepared to withdraw them. 

later after XXXX ago i just received a message from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' XXXX believed this to be a system error. I have a solid selling history and XXXX disputes because I completed all of my selling deals. My Paypal account is properly verified and has no open cases. 
I use it for commercial purposes so that customers can pay me via my website 's Paypal check out. 
When I called customer service about my issue, they claimed that my account and those of others had been automatically banned by a system. 

Help us to fix this problem, please.Also, could you kindly review and recover my account so I can continue to use it for business.To assist me in resolving this issue, I am prepared to give all necessary paperwork, including images of my financial transactions and the website where funds originated.Please lend a hand, as My Paypal account was absolutely necessary. Hopefully, I can rely on you for this. 
Thank You so much.
Product: Money transfers

I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
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 with 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 consumer rights but has also allowed repeated offenders on the platform. Leaving users like myself vulnerable to all the scams. If you look at my prior claim. Youll see I was scammed out of {$900.00} dollars. The lack of accountability and transparency is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.
Product: Credit card

On XX/XX/24, TXXXX XXXX XXXX posted a payment in the amount of {$220.00}. As of this date, the work they were paid for had not been performed ( their job was scheduled to be completed on XX/XX/24 ). 

I contacted XXXX XXXX XXXX  the same day ( XX/XX/24 ) and requested they cancel the service. The representative I spoke with assured me that my refund would be processed and received within 3-7 business days.

After I did not receive my refund within the timeframe given, I submitted a dispute with Regions bank in order to have the {$220.00} credit I was owed put back on my account. 

On XX/XX/24, I received a letter in the mail dated XX/XX/24 where they denied my claim. 
Regions denied my claim to have the {$220.00} put back on my credit despite not only evidence that the merchant agreed to cancel the requested service having not performed any work, but also despite evidence in a phone call recording where the merchat ( XXXX XXXXXXXX XXXX ) confirmed that my refund had been processed on their end on XX/XX/24.
Product: Credit reporting or other personal consumer reports

EXPERIAN refuses to accept dispute letters sent in the mail repeatedly regarding identity theft.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a " Miles and More '' credit card with Barclays bank. They told me that if I spent {$3000.00} in the first 3 months, I would get XXXX XXXX miles with XXXX. That is the ONLY reason I opened the card. I was on target to meet the minimum required spend and spoke with them several times about this. I called them on XX/XX/XXXX because my records indicated I spent over {$3000.00} and I wanted to confirm this with Barclays. They told me that I did indeed meet the requirement and that I would see the XXXX XXXX XXXX in my account the next day. I was excited! Well over a month went by and I never saw anything. I called them again on XX/XX/XXXX and they told me that I did not meet the minimum {$3000.00} spend. I was so upset. They had no record of the call that I made to them on XX/XX/XXXX! They created case # XXXX for me and told me that someone would follow up. No one ever did. I called back on XXXX and they told me they had no record of this case number. I am furious. I feel like I was mislead from the start and lied to along the way. I can't believe Barclay 's has no records of my calls to them. I know that I met the minimum spend and I feel I deserve the XXXX XXXX. I don't even want this card anymore and they've charged me an annual fee..
Product: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore the debt has not been validated, it must be deleted from all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Product: Checking or savings account

XXXX. 
{$59.00} This morning, I suddenly received an email from my bank informing me that my bank account had been closed, but I hadn't done anything suspicious.
Product: Credit reporting or other personal consumer reports

By 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 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 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 XXXXXXXX 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 an 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.

These inaccuracies are affecting my ability to get a house for my family.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Product: Debt collection

I was told my information for the collections were verified without them explaining to me how it was done.
Product: Debt collection

Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you
Product: Debt collection

XX/XX/2022 to current, I have reached out to " ProCollect Inc '' through certified mail requesting validation and proof of this item, but they neglected to provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing a XXXX account of {$150.00} TransUnion credit reporting agency and they have yet to remove the account from the file. Even after several attempts to dispute directly with XXXX, XXXX still has not verified nor validated this alleged debt. I have sent communication to XXXX just recently XX/XX/2020 by USPS certified mail, E-Receipt asking they verify and validate the debt and notice went ignored. TransUnion, will not remove this XXXX account from the file even after multiple communications with them I have yet to get any response showing that I am the one who the debt belongs to. I have sent communication to XXXX on XX/XX/2020 requesting verification and if not remove the account from the TransUnion file and they have not done so, in fact my first letter sent to XXXX ( XX/XX/2020 ) stated that if they could not verify/validate the alleged debt they would need to close the account and remove it from all three CRA. They closed the account but never removed it, by them closing the account they agreed to the terms of the XX/XX/2020 letter and should have removed it from the CRA file as well. Now disputing the matter with Transunion they still remain to keep the account on the report. It was never proven to belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit reports,  XXXX  has reporte  d two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all three credit reporting agencies, I had two   payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking  me 90-days l ate as of  XXXX  date is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on 5/8/2014 XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  Florida   XXXX  University in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on  XXXX   XXXX ,  XXXX .  XXXX  responded that they had investigated and confirmed the accuracy of the report.
Product: Debt collection

ON XX/XX/2024 i sent a evolope to XXXX XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I looked at my report. I sent a letter to experian, transunion and equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : portfolio recovery twice XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my auto loan from Ally financial to XXXX XXXX XXXX XXXX XXXX. Ally claims that there was a balance owed, however the paperwork I have states the balance was paid in full and is thus showing it as a charge off and negative, which is affecting my credit score negatively. This account was never in default, non-payment and should have never been placed in collections or shown as a charge off. I have provided them with documentation showing as much and they refuse to fix it. The last dispute they did take the 21 months of non-payment off, however they have XXXX and XXXX of 2020 showing as charge off. Again, this is incorrect. I refinanced this loan, and the amount my bank paid to Ally was correct. Any issues that arose AFTER the check had been deposited was on Ally, not me and neither myself or the bank ever got any information saying there was additional money owed. 
Additionally, Ally has been incredibly difficult, hostile and evasive in in my attempts to get this resolved. I understand errors occurred, but I have been transferred, harassed, hung up on, had someone literally notate things I did not say. I have asked for a manager multiple times, they can never provide one. I was told I'd get a call back, I never got one. Every time I seem to be able to produce a document showing my proof they are suddenly able to speak with me and have made me fax documents while claiming they never received them, but when I show them confirmation that the fax went through the find it. 
Every aspect of Ally seems to be at best misleading, if not fradulent and unwilling to fix their own mistakes. If my error wasn't Ally 's fault, why would they remove all of the information the already did and expect me to say thank you. This is not right. They are already a bank that takes advantage of people who have less than perfect credit and make it almost impossible to fix their error, but when the money is owed to them, they can find all the time in the world. This needs to be fixed. 
I have had a FEW good interactions with representatives from their company. To those people, and to any representative from Ally I have been nothing but professional and kind, never raising my voice or using inappropriate language.