23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received notice from PayPal- the XXXX company I used to collect payment for an online course - that a student had filed an " item not received '' dispute over the class. The timing was horrible as my mom was actively XXXX and the student later clarified for me that her husband- who was not a student- had incorrectly filed the dispute in error and that she'd reach out to her bank/PayPal to correct the miscommunication but never did.

I did forward my no refunds policy to PayPal as well as the proof the student had access to the course in XXXX of XXXX- it was impossible to reach a human using their phone ( it was not allowing messages nor connecting with an agent or leaving a voicemail ) so was instructed to use their online chat. 
The chat agents were horrific - it was clear no notes were being kept, no one was following up on my complaint or dispute response, and it would take days to get any reply at all. I requested numerous times an email for an agent to help and was told there was not one.

After my mom 's death, I again pursued clarification of the issue with PayPal and was told it was too late- they deducted the full amount of the course from my PayPal business account leaving me with a negative balance of over XXXX. I received numerous threats that I'd be blocked from using my account, I was unable to use my account to invoice or receive payment and was unable to move funds out of my account until the negative balance was resolved. 
I filed a complaint and the reply was 1. using the incorrect student 2. stating I had given an email promising a refund... for another student who was not the one that filed this dispute ( completely unrelated situation and this latter student actually cancelled the dispute and received no refund period ). There was no response or logic given which was pertinent to the student dispute in question here. 
In XXXX, PayPal blocked access to funds in a completely separate account. The listed contact method to call - even using the chat I was told I needed to call - would wind up in a voice message saying PayPal was overwhelmed and unable to receive messages or connect with agents. Hours wasted trying to follow up. Eventually at the end of XXXX I did reach a customer service agent by phone who was puzzled that I had not been provided an email address to submit my complaint and documentation AGAIN and said he'd do me the " courtesy '' of unblocking my OTHER separate unrelated PayPal account. He also said that PayPal would not be considering any documentation further for evidence of my dispute but they'd forward it on to the student 's bank Paypal ignored my response to this disputed charge, made it impossible to connect to an agent for months, froze not only the PayPal account in question but another PayPal account, blocked my ability to make a living as a self-employed individual, and held revenue hostage in an extortionary manner to try to force me to pay a negative balance that I do not owe. PayPal is now notorious for these same practices and need to be held accountable.
Product: Payday loan, title loan, or personal loan

with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the XXXX XXXX. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX
Product: Student loan

XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.
Product: Credit card or prepaid card

I had a fraudulent charge of {$370.00} to my credit card on XX/XX/2020. I told my bank that it was fraudulent and that someone probably stole my card information and they just completely ignored everything I was saying to them.
Product: Checking or savings account

I have been a victim of a fraudulent withdrawal amounting to {$15000.00} from Wells Fargo bank. Additionally, I want to highlight that I made a deposit of {$17000.00}, and I even have submitted video evidence of this deposit transaction to Wells Fargo. When I contacted Wells Fargo to obtain a copy of the withdrawal slip, I received a copy that was not in color and appeared to be altered. Furthermore, the withdrawal slip does not contain my complete name and does not match my handwriting or signature. 

Moreover, I noticed that my Wells Fargo bank statement only displays the date of the fraudulent {$15000.00} withdrawal but does not indicate the location of the transaction. Additionally, the {$17000.00} deposit is not reflected on the statement, resulting in a total of {$32000.00} missing from my account. I find it deeply concerning that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. It is distressing to note that the fraudulent charges made to my account have also not been refunded.
Product: Debt collection

In XXXX of XXXX. I could not log into my Venmo account. I knew my password and it did not work. So I tried forgot my password and it said we will send you an email to reset. However I never received these emails. 

Months/ maybe a whole year later, I opened a new Venmo account and used it with no issues Two weeks ago I received a phone call saying that theirs charges from XXXX on my account and I owe XXXX . I  said it was not me. Went over the charges and said I do not know the person they were sent to. 

Today I received a phone call that my claim for fraud was denied and the Venmo collections department was calling to collect XXXX $ from me. I reiterated it was not my expenses and it was fraud. I asked to speak to the fraud department and was told they don't have a phone number and I can't contact them. 

I have sent numerous emails in the last 2 weeks and have not gotten any response. 

I looked back in my email and see a " new device was added to my account '' on XX/XX/XXXX in XXXX NY. About 2 hours away from where I live. 

I did not authorize the charges and therefore don't believe I should have to pay them.
Product: Debt collection

I had an account with XXXX in which has been paid in full.. They are reporting as Collection Chargeoff in which is untrue .... They are causing me financially hardship. I'm unable to get a mortgage or rent a home for me and my kids .... This has impacted my score
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX are sending Notice to Collect letters to me claiming that I have an outstanding citation/warrant from a place that I have never been, XXXX XXXX XXXX Texas. The date that they claim this false offense occurred is XX/XX/2012 and the letter says that it is for an open container ( driver/passenger ) they list on their letters a docket # XXXX and a fine claiming that I owe {$750.00} Their address is listed as XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/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
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Finance Account # XXXXXXXX XXXX XXXX  Account # XXXX Dept of Education/XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX Tab Integra Credit Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

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

I filed bankruptcy in XX/XX/2021 and the CNAC account on XXXX is currently listing that I owe on the account when it was actually included in the bankruptcy. I have disputed with XXXX several times but no changes have been made, the bankruptcy petition was also sent as proof, the other two major credit bureaus are reporting correctly this account as included in bankruptcy.
Product: Checking or savings account

Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.
Product: Money transfer, virtual currency, or money service

ATM did not dispense full amount and cashapp approved my dispute than changed there mind and took all funds out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( TransUnion, XXXX and XXXX refused to accurately investigate while sending correspondences back stating everything was accurate. 

TransUnion XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, TransUnion, XXXX and XXXX failed to mark notice of dispute on my credit report.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/2024, I noticed some things are incomplete and inaccurate on my credit report. According to the fair credit reporting act 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. 

The following accounts are not complete and accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 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. 

Check the attachment below
Product: Debt collection

This debt is showing as a collections debt on both my XXXX and XXXX. It has been removed from my XXXX. It says I owe {$300.00}, and I have not received any credit or loan extended to me for that amount. That is not my debt. It says it is coming from National Credit Adjusters XXXX XXXX, KS XXXX at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the account listed below on my credit file. The account information is incorrect and misleading due to repeated and inaccurate charge-off entries : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} This account has been listed as charged-off on a month-by-month basis in the payment history section of my credit report. A charge-off is a one-time event that should not be continuously reported as if it occurred multiple times. This ongoing reporting is inaccurate, misrepresents the account status, and unfairly damages my credit profile. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing this incorrect and repeated reporting, the credit bureau has failed to meet its obligations under the law.
Product: Debt collection

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. Once again, I am requesting all of the following documentation or immediate removal from my credit report. A detailed list of the payment history made by me on this account, including dates and amounts of all payments. Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transfer documents demonstrating your authority to pursue collection
Product: Debt collection

PRA has violated ALL RIGHTS!!! I WAS NOT GIVEN THE RIGHT TO DISPUTE AN ACCOUNT THAT CLEARLY DOES NOT BELONG ME. THE FACT THEY MAILED THIS SO CALLED LETTER TO AN ADDRESS THAT I DONT LIVE AT AND THEN CLAIM IT WASN'T RETURNED SO THEREFORE ITS BELONGS TO ME ITS A COMPLETE DISGRACE AND MOCKERY OF MY RIGHTS. HOW CAN THEY GET AWAY WITH THIS?????
Product: Debt collection

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Mortgage

I have submitted all the requested information over 30 days ago and they will not provide a closing date or even a window of time for closing. My contact tells me it is in for final approval but can not give me a firm date or any other information. They have been extremely slow to respond and I suspect they are slowing the process deliberately. I asked several times to speak to someone in management but they refuse. XXXX XXXX has ignored my calls and emails and XXXX XXXX has been much more responsive however after multiple attempts to get a closing date they just give me the same answer and tell me there is nothing they can do. I am loosing significant interest savings every month that goes by without closure. I have good credit, income and there are no blemished on my financial track record. I am very dissatisfied with the level of service and attention this has received.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Credit reporting or other personal consumer reports

Experian as now entered the stage as cohorts with XXXX and XXXX, in the form of restricting my access to creating new disputes. WHICH IS NOT ONLY UNETHICAL BUT GOES AGAINST THE FCRA. As well as theyve been neglecting to clean up my report from the fraudulent errors theyve allowed to be on my report and have now been removed ; except for the highly fraudulent XXXX XXXX XXXX XXXX  who has beeen infringing on my rights under the FCRA for the lender XXXX  XXXX  and under the FDCPA for the parent company XXXX XXXX, who lodge a fraudulent deferment code XXXX on alleged closed charge off XXXX account to over inflate the debt starting charge off at XXXX with a max cap of XXXX to be at a present balance of XXXX over XXXX months this has been allowed..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnace 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