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

Complaint against : PayPal -I use PayPal to process payments for my business. 
-On XX/XX/2023 I processed a partial refund of {$50.00} to a customer. 
-While processing the refund the PayPal app continuously malfunctioned and relayed a message that my refund had not been processed due to a technical issue and to retry. 
-I retried several times. Eventually I closed out the app and restarted it.

-Once I opened the app I saw that PayPal had actually processed 5 {$50.00} refunds.

-I immediately contacted PayPal to cancel the refunds.

-they instructed me to call my bank and issue a stop payment. 
-I complied and worked with my bank to stop the refunds.

-Becasue PayPal
mistakenly issued 5 refunds I was charged {$96.00} in bank fees. 
-on XX/XX/XXXX PayPal reissued 2 more refunds for {$50.00} each. 
-In total PayPal has cost me {$340.00} for this transaction. 
-On XX/XX/23 I called PayPal again requesting that they refund the amount they have cost me due to their failures. 
-They refused. The only option they have given me is that they will contact my customer and retrieve the money which is incredibly unprofessional for my business and harms my reputation as a business owner.

-PayPal is responsible for the {$340.00} they have cost me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX XXXX XXXX  Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Debt collection

TRS Recovery Services , Inc. is trying to collect for a returned check for XXXX that is not mine. They are threatening to turn me over to a another collection agency. I called them and they would not listen when I explained this was not my check and that I do no even use this Bank. I researched on the internet and it said this was a scam. There corporate offices address is : XXXX XXXX XXXX, XXXX, Tx XXXX. Phone # XXXX and XXXX
Product: Debt or credit management

Its been a few years ago but the amount of the money was {$550.00} total for everything they took over a period of time
Product: Mortgage

Pulled boa response when they filed into the BK case a XXXX XXXXXXXX forged redacted FHA mortgage. 
The documents are from my case the letter they filed we never received anything from BoA or their lawyers. They claim we closed the loan won't tell us where we closed it. 
We never signed an FHA mortgage with BoA i know they forge mortgages XXXX XXXX XXXX
Product: Debt collection

Received a letter from the debt collector California Business Bureau regarding medical debt. I requested this debt be sent back to the hospital for settlement and was told they could not do that. They did not provide me with a proof of charges to match the collection and was told I could not make a settlement amount with them and would have to pay them in full or set up a payment arrangement. I set up the payment arrangement to avoid this debt being reported on my credit only to find out they will still report it. I was never given written notice of the arrangement nor was I told there would be accrued interest daily. I requested on XX/XX/17 from the representative XXXX a written notice of the payment arrangement as well as information on why Im being charged interest and was told they dont provide that and they can charge interest if they want to. I believe they have violated my rights in many ways and refuse to provide requested documentation.
Product: Student loan

I have my loans through myfed loan and am participating in federal student loan forgiveness program. I have been paying my loans for 10 years. I dont believe my count is accurate. I asked for them to recount my payments 13 months ago in XX/XX/2020. I have called 7-8 times to check on the progress and the customer service says they can provide no update but it should be completed in a year. Its been over a year. When I called in XXXX to ask if I could be in contact with whoever was doing the recount, I was told no, they would send a message and have someone contact me. There has been no contact, its been over a year.
Product: Credit reporting or other personal consumer reports

Recently, Ive gotten a chance to take a look at my credit report using annualcreditreport.com and other auditing and security tools, and I have become aware of multiple inaccuracies and false information on my account. These discrepancies are hurting my ability to obtain credit. Ive researched and come to the understanding that XXXX, XXXX, and Equifax will individually investigate these accounts and provide me with verification to ensure accuracy. The accounts that need to be properly verify as accurate are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would appreciate a swift response in a timely matter, as this issue is time-sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, the most fraudulent credit reporting agency on the planet, XXXX, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by Equifax. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX  to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX  has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''. 

The company never responded to the complaint.
Product: Credit reporting or other personal consumer reports

Data leak regarding my information, now loans in my name
Product: Debt collection

XXXX National credit system account XXXX XXXX XXXX XXXX date opened XXXX balance {$9500.00} Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verifythe debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have alreadyreported it, please contact the credit reporting agencies, informthem that the debt is disputed, and ask them to delete it it from my credit report. Reporting information that you know to be inaccurate, or failinf to report informationcorrectly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to recieve further telephonecalls or letter concerningthis debt that I do not owe to your client. The fair Debt Collection Practices Act requires you to respect this reques. See 15 U.S.C. 1692 ( c ).

Thank You for your attention to this matter. 

Sincerely, This was the letter that was sent to the credit report company.
Product: Mortgage

While in the process of refinancing we were in contact with a Mark from Distressed Capital Management XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX number XXXX. 

We needed to ask him one more question for the refinance, we haven't been able to contact him or the company since ... it has been a month now and all the numbers I have with the company I have left messages with no response. I have along with my insurance company that needs their information have not received a call back in sed period of time. I need to make a payment to them but do not have the information to do so. Please help me.
Product: Credit reporting or other personal consumer reports

The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX I am disputing the following personal information that is showing for me which is incorrect Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.
Product: Credit card or prepaid card

I obtained NetSpend prepaid Visa card and after paying {$4.00} deposited {$200.00} on XX/XX/XXXX. After I tried to use card I was informed that I would be able to use it for 2-4 weeks! I wasn't able to pay bill while NetSpend was holding my money! In XX/XX/XXXX I filed lawsuit in small courts against NetSpend but it wasn't resolved since they haven't showed up.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2022 I sold my boat, motor and trailer for the amount of {$4500.00} to XXXX who is a friend of mine and is local. XXXX asked me if I would accept Venmo. I said OK because I knew others who had used it. He tried to transfer the entire {$4500.00}, however Venmo made him break it down into 3 transfers. He transferred {$500.00}, then {$1000.00}, and finally {$3000.00}. I could see the entire {$4500.00} sitting in my Venmo account. I set up my bank account information as requested ( by Venmo ) in Venmo. Was told by Venmo, they would deposit 2 small amounts into my bank account, which they did, I verified the amounts and they allowed me to transfer the {$500.00} and then the {$1000.00}. I can see in my bank account that they took back the small deposits that same day ( as expected and proves they did indeed verify my bank ). Venmo would not let me transfer the {$3000.00} and FROZE my account!! Venmo screen now shows that my " bank account is not verified '' and they are investigating something, which they will not tell me what!! I called twice and was given a very vague reason for the frozen account - " it will take 6 to 7 days to investigate ''! Why should I wait an extra week to get MY money! They are lying as they DID verify my bank account already, hence the 2 transfers of {$500.00} and {$1.00}, XXXX. I am almost XXXX XXXX XXXX and feel that I am being taken advantage of. How dare them keep MY money!!!! I spoke to my bank and they are not holding anything up so what is the problem? My bank also confirmed that Venmo did indeed verify my account with them. Is this how Venmo makes money??? I need my money made available to me to transfer into my bank account! I have a XXXXXXXX XXXX dog who is scheduled for XXXX XXXXXXXX and this is the money for that XXXX!!! I am so sick over this!!! Please help!!! Now today, I can't even log into Venmo. Changed my password as requested and am locked out. Is this some kind of sick joke???
Product: Credit card

On XX/XX/2024 I opened a dispute with Capital One XXXX Credit Card dispute over an issue I was having with XXXX. XXXX explained to the Capital One dispute specialist that I had evidence of the company not following their established complaint dispute resolution process and ghost lighting me then closing the case with no action claiming I was not responding when the email chain showed I had been responding. The Capital One representative refused to take my documentation I had to together and instead told be to hold the information until phase two if needed. Tight now will just dispute the transaction in general and if the company rejects the dispute then to supply Capital One with the documentation. 

On XX/XX/2024 Capital One informed me that XXXX had rejected my dispute and the charges were going back into my account and I could take this to the next level and provide documentation to the company. 

On XX/XX/2024 I contacted Capital One and opened that second level dispute and was provided the secure link to send my supporting documents, which I did right away. XXXX XX/XX/XXXX, XXXX Capital Once told me they will be closing my dispute due to not providing them the documents they wanted.
Product: Credit card or prepaid card

I applied for the Credit card in XXXX got approved. I provided all the documents needed including bank statements. Also received abuse and harassment from the staff. Mr XXXX XXXX messaged me saying you application is almost finalized. He then send me a email saying the jig is up? This credit union has lied to me and mislead me. I got approved for a credit card which was never send to me. Mr. XXXX XXXX has refused to reply to my emails. Also a complaint was filed ( ref XXXX ) in which the case was immediately closed with out any outcome and no investigation. 


I am lodging a written formal grievance to invoke the grievance procedure by reason that PenFed has omitted to recognise its 'statutory duties ' germane to my XXXX. This omission whether deliberate or inadvertent is to my detriment. 
My health and well-being have been affected and continues to be effected due to PenFed relevant failure to observe a duty of care towards me. In invoking the grievance procedure, I am asking PenFed to observe the implied term of 'mutual trust and confidence ', and not act in a manner which would likely destroy, or seriously damage that trust and confidence. I trust therefore, that PenFedwill observe the 'good faith performance and take 'reasonable and practicable steps ' to remedy the following grievances. I trust that that I will not be subjected to a detriment and or detrimental treatment for having exercised my statutory rights in invoking the grievance procedure.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
DISCOVERBANK I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Debt collection

I have been a year to result this dispute, and them put back my credit report.
Product: Debt collection

the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. 

Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sued by XXXX XXXXXXXX XXXX and set up payment arrangements with the firm how is it still showing up on my credit report as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX. ( Open Date XX/XX/XXXX, Balance : {$900.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$7300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$570.00} XXXX XXXX ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report is showing that 2 XXXX XXXX charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.
Product: Credit reporting or other personal consumer reports

After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Product: Payday loan, title loan, or personal loan

I am having a problem wi th Chase  updating my transactions with   XXXX   XXXX   with whom I use on a weekly basis for extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These XXXX statements on my credit report are showing on my credit report. need to be removed off report asap. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX