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

On XX/XX/2022, I started a business Paypal account. After adding my personal information with no problem, I tried to add my bank account information but Paypal required my bank logins, username and password. I was not able to simply add my routing number and account number. 

On XX/XX/XXXX. 2022, I, again, attempted to add my bank account information. Once again, I could not add my routing and account number. 

So, I called Paypal Customer Service. I told the representative that I was uncomfortable giving my username and password for my bank account because of possible breaches that could occur. The representative told me that Paypal was secure and that there would not be a breach. 

Following this, I closed the account and searched with XXXX to see whether Paypal had previous breaches. They had breaches as recently as XX/XX/2022 which were reported by various news agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX So, the representative lied to me. Since she lied to me, I know that she and other Paypal employees would tell the same lie to anyone who questions this Paypal requirement. This could effect millions of consumers and businesses for millions to billions of dollars if a breach occurred again. 

Additionally, Paypal would not allow me to add my XXXX to my business account. They required my Social Security Number. This is highly unusual with business accounts and could lead to tax evasion by those who wish to evade taxes. 

I am attaching a screenshot of the Paypal requirement as I stated and an audio file that I recorded while speaking with representatives at Paypal.
Product: Credit reporting or other personal consumer reports

I have been submitting various requests to XXXX, XXXX and Equifax to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Product: Mortgage

XXXX bought home for XXXX. Taxes doubled from previous home owner. I paid back taxes. I refinanced in end of XXXX. I explained to individual who was performing refinance that my taxes were not right and he assured me they were. My payment for mortgage was at XXXX give air take a few dollars. Now in XXXX of this year I received a notice from caliber home loans that my taxes went up and I had a {$2700.00} escrow shortage and my payments were going to be XXXX now. Thats a {$400.00} difference a month. I explained to them I informed the individual performing the refinance in XXXX that my taxes were wrong and he assured me they were not. Now I have been late the last two payments and as of today late on the 3rd. They are unwilling to help me out in any way. They told me to call the VA about getting the loan modified but when I called the VA they said it is not there decision and to call caliber and have them try to help me. I have tried to get help with this since i got the notice but have been unsuccessful. I am the sole provider for my family and make under XXXX a year right now. I had no issues paying the XXXX a month but going up XXXX a month on a mistake by them I am struggling really bad. I have had to use a credit card to pay for certain things. My credit was up at XXXX XXXX right before the late payments and now it is at XXXX and probably going to drop below that because I will have to pay past 30 days again.
Product: Debt collection

I've requested original paperwork from XXXX XXXX as well as XXXX XXXX XXXX. Both could not provide me with anything that had my name, address, charges etc. I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original application as requested. Reported to the XXXX  when XXXX XXXX refused to give me any information and when I advised this may have been identity theft the gentleman called me a liar and threatened to have me arrested. I asked for his name and he refused. He never stated the name of the company I found it by looking up the phone number. Amount owed on transunion report shows {$770.00}, caller stated {$900.00} and then {$650.00} when I called back. Validated by XXXX and XXXX and removed. Transunion has still not removed. Please refer to 15 U.S. Code 1681- Congressional findings and statement of purpose. I demand that this be removed immediately.
Product: Credit card or prepaid card

American Express attempted to withdraw {$40.00} on XX/XX/XXXX from my XXXX XXXX checking account. For some still unknown reason on XXXX XXXX side this transaction did not go through. 

On XX/XX/XXXX, a {$29.00} charge was assessed. 

On XX/XX/XXXX, I have paid the credit card in full ( a total of {$310.00} ) from a Different ( non-XXXX XXXXXXXX ) banking account. 

Since XX/XX/XXXX, the issue has billed me multiple " Return Payment fees '', charged Interest on those fees, attempted to withdraw money from XXXX XXXX, which initiates a failed withdrawal and triggers a " Return Payment fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Equifax an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that Equifax to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get Equifax to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since Equifax has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, back in XXXX of 2022 I filed a dispute against the items listed on my credit report. A rep from Experian picked up my dispute from the po box they have listed, delivered via Priority Mail USPS w/ confirmation. Experian took over 45 days to respond, and then told me they couldn't find my dispute, although it was delivered to them ( XXXX ). I asked Experian to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked Experian to give me documentation on how they " verified '' the information as accurate in under XXXX hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 

There are no inquiries on my report, because I didn't authorize these accounts to check my credit report. This is another violation of my rights. 

So I'm writing you to investigate the following actions of Experian for the following items and reasons : Experian XXXX  XXXX  : Account : XXXX Reason : This account does not belong to me. I have never lived at the address the account was created at as well. Please delete this from my report XXXX FRES : Account : XXXX Reason : This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX FRES XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

XXXX CAPITAL XXXX Account : XXXX This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX CAPITAL XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report. 

XXXX XXXX XXXX  SUPPORT : XXXX This account is over XXXX XXXX XXXX, and should be removed as I have never had a contract with them stating I agreed to this, or authorized them to report to my credit report. This account should be removed due to the statute of limitations for XXXX XXXX reporting. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and Regulation E. These actions have caused sufficient inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/year>, he opened an account at Citibank XXXX XXXX in order to receive compensation payment from a legal claim. On XX/XX/year>, I went to the ATM and deposited 2 checks in the amount of {$7400.00} each, from XXXX XXXX XXXX XXXX XXXX. I received correspondence from Citibank confirming the deposits and stating that my money would be available starting XX/XX/year>. On XX/XX/year>, I received correspondence where the bank indicated that my account would be automatically closed in the next 60 days, because I had violated the terms of my account and if I needed the funds to be sent before 60 days, I would be contacted. I called and they told me that in 30 days I would receive a check at my home with the funds returned. Now I can not contact the bank by phone because I am not a customer. On XX/XX/year>, I sent an email to my Personal Banker ( XXXX ) to get news about it and he did not respond. It's been 78 days and I haven't received any notification about it, I don't know where my money is, I don't know what's happening.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on a account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint of the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now request you investigate and provide verifiable proof with record showing that I had late payments. If this information can not be verified I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Experian, has reported inaccurate information. Also in accordance with the Fair Credit Reporting Act, 15 USC 1681 section 604a section 2, states a consumer Reporting agency CAN NOT furnish an account without my written instructions. In addition I feel my rights were VIOLATED, and ask for my right to privacy in accordance with 15 USC 1681 section 602, states I have the right to privacy
Product: Payday loan, title loan, or personal loan

Applied for the loan and received the payment information. The amount was fine but was unaware it would be deducted so many times during a 30 day period. Upon further investigation the interest rate is well into the 300 %. When given the initial terms it was not clearly disclosed that the interest was that high and the payments would be several times a month! This is unreasonable and is affecting my bank account. My account is in the negative every week because of this ridiculous loan. I need it to be canceled and offer a cheaper payment or a cheaper settlement amount.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have identified multiple inaccuracies and unauthorized information being reported on said report. These discrepancies have had a negative impact on my overall well-being and creditworthiness.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a two open fraudulent accounts XXXX XXXX XXXX, XX/XX/XXXX/XX/XX/XXXXas past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XX/XX/XXXX and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XX/XX/XXXX. After disputing this fraudulent account with the XXXX XXXX XX/XX/XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Experian and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card remained on my report however the XX/XX/XXXX/XX/XX/XXXXinquiries disputed as fraud were removed. How can Experian agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Experian being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX  error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted. 

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.
Product: Credit card

I am writing to seek assistance regarding my Capital One credit account. I recently encountered a fraudulent transaction that occurred due to concealed information provided by the vendor. Consequently, I disputed the charge, relying on Capital One 's assurance that customers are protected and can remain worry-free in cases of fraudulent activity. 

However, I am disappointed to find that my issue remains unresolved, and I have not received adequate support in addressing this matter. I kindly request your prompt attention to ensure this dispute is thoroughly reviewed and resolved in line with Capital One 's commitment to customer protection. 

Here is the summary of the incident. 

Reference : Case Number : XXXX I have submitted this dispute as the merchant failed to disclose critical information prior to the purchase of goods. When I purchased the XXXX ( XXXX  ) from the XXXX XXXX XXXX XXXX, I was explicitly informed by their representatives that it would be permissible to carry the XXXX through U.S. immigration and that there would be no issues with the purchase. Based on this assurance, I proceeded with the transaction. However, upon arriving at XXXX XXXX U.S. immigration, the XXXX ( XXXX  ) was confiscated, and I was informed that U.S. law prohibits carrying alcohol purchased from foreign duty-free shops into the country. They further clarified that only alcohol purchased from U.S. duty-free shops is allowed to be carried onto the plane. This discrepancy between the merchant 's assurances and the legal restrictions has caused me significant inconvenience and loss, and I am seeking a resolution to this matter.
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 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, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 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 ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up.