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

Hello my name is XXXX XXXX, starting around XX/XX/XXXX I have gained some positive balance in my PayPal account that was newly opened. The funds in totaled right now are a little over {$200.00} us dollar. Today is Sunday XX/XX/XXXX I have been constantly on the phone with PayPal getting the run around getting different answers from every different rep I have spoken to. They made it impossible to transfer my funds into my bank account or even to link my PayPal as a payment method with the exception of a few XXXX orders that worked maybe two times out of 15 attempts. The common answer I get is please wait XXXX hours and let the system refresh and try again. After trying every last option on PayPal and getting nowhere today XX/XX/XXXX I get a email from PayPal saying I can no longer do business with PayPal. This is a ongoing problem and there's tons of people PayPal is doing this too and illegally taking there money. Someone really needs to look into this company how is PayPal a bank where consumers keep there hard earned money in. And then there is no one at PayPal that can fix the problem to access my own money. My family and I now are stuck going hungry and don't have any gas to make it to our jobs and now are stuck with nothing because now PayPal says there going to hold my funds for 180 days and from what I'm reading on case files and reviews online after the 180 days they still keep your funds. Please please im begging someone to look into this company this is not a bank at all this is racketeering and they need to be held accountable. There is plenty more people out here suffering from the hands of PayPal that aren't aware of or don't have the means to try and seek legal help. Please make a change. Look into this fraud of a company and I promise it will definitely lead a long trail of hopefully stopping people of a world of hurt and suffering. Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act. ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian. alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect and items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I have provided all the letters that I've sent for resolutions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene th
e Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I have tried to dispute multiple accounts including XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed that a late payment was incorrectly reported. This payment was supposed to be marked as on time. Prior to this, I had communicated with the creditor, and we agreed that I would not be marked late due to personal circumstances unrelated to the pandemic. Despite this agreement, the late payment was reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter to Experian requesting that this issue be corrected, as it is inaccurately affecting my credit report. However, XXXX responded by stating that everything is reporting correctly, which is not the case. 

Pursuant to 15 U.S.C. 1681s-2 ( f ), I am seeking assistance in resolving this matter. The continued reporting of this inaccurate information is not only incorrect but also in violation of my rights under the Fair Credit Reporting Act. I respectfully request that this situation be investigated and the incorrect late payment be promptly corrected. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. Ion like having my information being used behind my back so please help me fix this issue ASAP!
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Checking or savings account

I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. 
On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. 
I spoke with a manager who said she would look into it. There has been no action taken on this matter.
Product: Money transfer, virtual currency, or money service

following up with my previous Complaint XXXX, coinbase responded to you by requesting that I verify my identity : 1. So on XX/XX/XXXX, I used the link that coinbase provided to you and I sent my selfie holding my ID and title saying " for coinbase Verification '' 2. I did not receive any response from coinbase 3. 48 hour later I tried to login my account but received " account is disabled '' 4. It has been 57 days with disabled account 5. I have lost over {$34000.00} by not able to manage my account 6. after opening 45 cases and two complains with coinbase, I am convinced that coinbase do not read or open any e-mail from their customers 7. Please start the most penalizing action against coinbase
Product: Credit card or prepaid card

I attempted to make a payment online in mid XX/XX/2022, the account showed no amount due. I recieved no billing statements not demands for payment until XXXX XX/XX/2022. This included a late fee of {$28.00} ; no payment was requested or listed as due at any time until XXXX XX/XX/2022. This are illegal, unethically charged fees.
Product: Credit card

I recently opened a credit card line with Bank of America. Ive only used my card like 4 times with a total balance of {$160.00}. Everything was okey till yesterday I tried using my card and it said it was suspended. 
Today I tried calling Bank of America and they explained that my account is suspended because of verification issues. They explained that if I want to use my card I have to travel to a near Bank of America ( office branch ) so that they can verify some information. However I live in a place where there is no office branch. I would need to buy an airplane ticket to the United sates just to fix that. I then proceed to ask if I can close my account because that would be better for me. Yet the agent ( XXXX ) tells me I can not close my account via phone. I say my goodbyes and call again to speak to another representative to see if they say the same thing. However the other representative tells me I CAN close my account via phone and I statement for my balance will be sent to my mail so that I can pay it. I ask them 3 times are you sure I can close it though the phone and they say yes of course. I let em know I will think about what to do and end the call. 

I call XXXX hour later with the purpose of closing my account and the agent who answered my call tells me I can not close it via the phone and that I have to go to the nearest office branch ( XXXX ) to fix it. I explain what the other agent told me and he says sorry but that is miscommunication on our part and that no matter what I do I need to see them personally to be able to remedy or close the account. 


Its insane how they let a person open a credit card line and let em use the card a few times to later suspend it for verification issues.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX Credit Card debt in XX/XX/XXXX, by mail. I called to negotiate payment. We agreed upon a one-time pay off of {$1300.00}, which would come out of my bank account via debt card. They wanted my account #, but I would not give it. 
The debit was to occur on XX/XX/XXXX. Unfortunately my bank blocked the initial debit thinking it was fraud. I received a text notifying me of this. I responded to the text and confirmed it was not fraud. The bank responded via text saying it would honor the debit and to try again. 
I called the direct agent ( extension number ) of whom I'd made the previous arrangement and left a message to run the debit again. They did not. I called back today ( XX/XX/XXXX ) and now they want {$1600.00} to clear the debt, stating the original agreement was void and I had not tried to contact them. 
I'm willing to pay the original {$1300.00} agreed upon, but can not afford the {$1600.00}. They threatened lawsuit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

someone opened MACYs credit card under my name ; that person charged {$1700.00} on XXXX XXXX. 
i sent letter to Macys. I received letter from Macys on XX/XX/2020 -- stating they received my fraud claim, but they have not completed investigation yet.
Product: Checking or savings account

Someone had stole my identity and my wallet and phone and used my phone to transfer money into different peoples accounts. I informed Chase, but unfortunately, I was out of my money even though I had a police report showing proof of the situation that happened. The payment method was XXXX and XXXX app. After further investigation, this individual was meeting women and giving them a date, XXXX, drug and stealing their information. I feel as if Chase didnt take my complaint serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Product: Credit card

To Whom It XXXX Concern, On XX/XX/year>, an order was placed with XXXX company ( XXXX ) for the amount of XXXX XXXX 

On XX/XX/year>, I initiated an email communication with XXXX to cancel the order. Despite this attempt, the order was not canceled, and a link to initiate a return was provided. 

A prepaid shipping label was received on XX/XX/year>, and the package was promptly shipped via XXXX. XXXX confirmed the shipment on XX/XX/year> via email, and assured a refund within XXXX XXXX XXXX, setting an expected deadline of approximately XX/XX/year>. 

However, as of the current date, no refund has been issued by the XXXX company. In an attempt to address this issue, a billing dispute was raised with Capital One, the financial institution used for the purchase. Unfortunately, Capital One did not act in good faith to resolve the dispute on behalf of the customer. 

Customer followed all return policies as described by XXXX XXXX, provided documentation to CapitalOne showing the merchandise was returned to the XXXX company, however, they closed the billing dispute and allowed the charge to remain on the credit account.
Product: Credit reporting or other personal consumer reports

Heres the revised letter without the account name section : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Deletion of Fraudulent Accounts and Compensation for Damages To Whom It May Concern, I am writing to formally request the immediate deletion of all unauthorized and fraudulent accounts from my credit report. I was a victim of the Equifax data breach, during which my personal information was illegally sold and purchased, resulting in the creation of these accounts. 

I have attached documentation verifying that Equifax has acknowledged I was affected by the data breach. Despite this acknowledgment, no action has been taken to remove these negative and fraudulent accounts from my credit file. These accounts were not authorized by me and have caused significant harm to my credit and overall financial well-being. 

I demand the immediate removal of all fraudulent accounts from my credit report. Additionally, I am seeking compensation for the damages incurred as a direct result of Equifaxs negligence in safeguarding my personal information. These damages include, but are not limited to : 1. Credit damage due to fraudulent accounts and their negative impact on my score.

2. Emotional distress and time spent resolving these issues.

3. Financial losses caused by increased interest rates or denial of credit.

Under the Fair Credit Reporting Act ( FCRA ), Equifax has a legal obligation to ensure the accuracy of information on my credit report. Failing to address this matter promptly and to compensate for the damages caused demonstrates a disregard for this responsibility. 

I expect a detailed response within 30 days confirming the removal of the fraudulent accounts and outlining steps Equifax will take to provide fair compensation for the harm caused. If I do not receive a satisfactory resolution, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal recourse. 

Thank you for your prompt attention to this matter. If you require additional information or documentation, please contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ XXXX XXXX ] Attachments : Proof of Equifax data breach Let me know if theres anything else youd like to adjust!
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was ran without my consent. I did not apply for a auto loan as i do not drive or even have a license. Please remove inquiry from my credit report!