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

On XX/XX/2019. I went to XXXX to make my payment via paypal. Upon selecting this option XXXX  website sent me to paypal. I authorized the payment from pay pal picked my XXXX  account. Once selected the I was directed back to XXXX site. I authorized the payment. The website spun and spun and spun. Finally it came back said that there was some sort of issue with the site please check again later. It also said my payment did not process. However I got to paypal and it has processed. I go to paypal it shows the processed transaction being sent to XXXX. I look at my bank account with XXXX it has been deducted. Now my insurance policy is about to cancel due to the error. I can't afford to double pay while they try to figure this out. XXXX 's accounting team told me twice they don't have it. Paypal says they do ... So I am stuck in the middle as a consumer while neither company can provide resolution
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 and address fraud on their platform leaving accounts vulnerable and unprotected. Furthermore, their disputes and process was unfair and detective, as they did not comply with error resolution requirements under the electric fraud transfer Act. ( EFTA ) and regulation E. These actions has called significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Vehicle loan or lease

opened a car loan with BBVA Compass Bank ( BBVA- USA -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ending in XXXX. The original balance was {$19000.00}. It was a 72 month term loan with a monthly payment of {$350.00}. I set up an automatic payment to be debited from my XXXX XXXX checking account number ending in # XXXX of $ XXXX  monthly so the loan could be paid off in 48 months. The last payment was set up to be withdrawn on XX/XX/XXXX in the amount of {$1100.00} to pay off the loan. I saw that the payment of {$1100.00} was withdrawn from my checking account as scheduled. I received a " PAID IN FULL '' letter from BBVA. I also received the " pink slip '' for my XXXX XXXX. I thought all was good. It wasn't until XX/XX/XXXX that I noticed that BBVA continued to debit the {$500.00} payment from my XXXX  checking account. I am XXXX speaking. My daughter helped me call BBVA. They said they showed the account balance as {$0.00} as of XX/XX/XXXX and could not refund any payments the account did not reflect. We called another time in a conference call with XXXX XXXX and BBVA. I authorized XXXX XXXX to fax my bank account statements to show that {$500.00} was withdrawn from my account by BBVA from XX/XX/XXXX through XX/XX/XXXX XXXX last payment automatically withdrawn ). BBVA confirmed that they received the fax and promised to send a refund check to my address on file. I never received the check. We have called back several times. BBVA always states that it is " under investigation '' but it never gets resolved. 
I paid my loan in full as BBVA Compass Bank report to all three credit bureaus as of XX/XX/XXXX. Despite the loan showing a {$0.00} balance with the credit bureaus BBVA automatically withdrew $ XXXX monthly for an additional 17 months from my bank account. I believe these actions constitute fraud. How were these payment applied if the account had a ZERO balance and was closed? I have no other accounts with BBVA. According my records, BBVA withdraw an additional {$8500.00} from my checking account after my account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about the computer glitch caused your inquires to be deleted. TransUnion later added them back onto my credit report without giving the legally required 5 days notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that have been illegally re-added. I spoke with XXXX the Supervisor at TransUnion in the USA on X/XX/2017 at XXXX XXXX cst. These inquires add a hardship and my rights were violated by TransUnion. Please stop TransUnion from victimizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called XXXX over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. XXXX has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!
Product: Vehicle loan or lease

This is a follow-up to the CFPB Claim Number I previously submitted, and I've attached the correspondence I had with BMW via CFPB REFERENCE XXXX XXXX / XXXX The XXXX XXXX XXXX XXXX XXXX I had already contacted your company as a natural person, consumer, and creditor, and my bank institution ( XXXXXXXX XXXX ) had also written you a letter stating that the payment had been completed on time, but you had refused to erase the incorrect late payment. To demonstrate the financial transactions that were performed, I have included the letter and my bank statements for the months of XXXX and XX/XX/XXXX. 
" XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' After repeated arguments with BMW Financial Services, BMW Financial Services continues to report inaccurate late payments. This is a mistake in timing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX XXXX XXXX Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX  date : XX/XX/2022, Name : XXXX date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from XXXX
Product: Checking or savings account

I havent had my email for months due to my email being hacked. I didnt know my account was in negative. Even though they might have emailed me they never once called I never receive a call saying my account would soon be closed, since inactivity. I never purchased anything so the negative over draft fees was most likely from the fees they charge me for having the account. I would just like to reopen my account
Product: Credit reporting

I have on several occasions sent several letters to the bureaus stating that the disputed accounts are not mine and also asked for verified documents, as per FCRA 605B, 15 U.S.C. 1681c-2 and FCRA 15 U.S.C. 1681. They have not Once sent a letter showing that i signed for any such credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent collection account that has been reported on my TransUnion credit file. This account is the result of identity theft, and I am requesting its immediate removal. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$740.00} Date Opened : XX/XX/year> I, XXXX XXXX, am a victim of identity theft. I have never opened, authorized, or had any involvement with an account with either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This account was opened fraudulently without my consent or knowledge. 

Upon discovering the fraudulent account, I submitted both an FTC Identity Theft Report and a signed Identity Theft Affidavit to XXXX XXXX XXXX XXXX. I also requested the removal of the account from all credit reporting agencies. Despite providing legitimate and timely documentation, the agency has failed to comply with federal law by continuing to report the inaccurate account and refusing to conduct a reasonable investigation. 

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have verified through the Illinois Department of Financial and Professional Regulation ( IDFPR ) that XXXX XXXX XXXX XXXX does not hold a valid license to collect debt in the State of Illinois, making any collection efforts they have engaged in against me unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove this account from my credit profile. 
This request has been denied and I would like this inaccurate information to be removed. 


XXXX XXXX XXXX EQUIFAX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im now unemployed and going to be homeless because Atlantic employee screening is giving a false report on my background check saying I recently lived at an address in Maine Ive never been there and dont know anyone there they said they got the information from social XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. I'm not sure when this account was charged off, because there are 3 different dates listed which is a violation of accurate reporting. And the account has repeatedly been updated as charged off every month and this is an update in the payment history. A charged off account should only include an active payment history and this inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed multiple accounts on my report with no validation. I have contacted them personally and have also sent an affidavit for verification of the accounts and have received no correspondence back in writing. They have blatantly violated my rights as a consumer under Title 15 1681 and continue with willful noncompliance of the federal laws that protect my rights of privacy as a consumer.
Product: Debt collection

I do not know the source of information due to this but the contract for the collection that was place from XXXX XXXX XXXX XXXX which was turn over from ( XXXX XXXX XXXX ) Acct # XXXX in the amount of {$2000.00} is not my account. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
Product: Debt collection

Didnt receive any documentation that debt was sold from XXXX XXXX to Kahrs Law office. Kahrs law office has rejected all of my attempted contact to pay my debt of $ XXXXIN FULL. Kahrs law has a 1 star rating along with many other complaints about falsely garnishing checks and never giving other debtors a chance to pay their debts because they do NOT return contact. The only option to pay debt is to leave a voicemail with an automated system with my banking information. I will absolutely NOT do so.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I purchased a new vehicle initially financed through XXXX   XXXX! At the time of purchase I told the new car salesperson at XXXX XXXX in XXXX XXXX Michigan I had autmobile insurance with the XXXX XXXX XXXX XXXX who I have been insured with since XX/XX/XXXX. This transaction was in XX/XX/XXXX. The salesman, instead of calling XXXX to transfer insurance from the vehicle I XXXX in, apparently had a friend --?? 
who would give him " Proofs of Insurance '' so the dealership could issue license plates and register the vehicle. This friend fraudulently purchased insurance-which I never applied for -- with an insurance company called XXXX who remained on my Credit History and effected what I had to pay at the time I traded in the car I owned, bought at XXXX XXXX, initially financed through XXXX XXXX, and transferred without my consent to Ally Financial. When I traded in the vehicle I purchased resulting in an Ally Financial Account there was some comprehensive damage sustained when someone hit my vehicle while I was shopping at XXXX XXXX XXXX in XXXX, MI. I notified my automobile insurance company, XXXX, of the loss. When I traded in the vehicle, XXXX told me they paid off all monies owed to Ally as part of their payment of the comprehensive damage claim. I was told by Ally today they sold my vehicle at auction for $ XXXX- WHICH I WAS NEVER NOTIFIED OF THE ALLEGED SALE- I TRADED THE VEHICLE IN AND THOUGHT XXXX  a/k/a XXXX XXXX XXXX   XXXX XXXX XXXX , paid off any monies owed to Ally when I traded the vehicle in and purchased a new vehicle. Ally should not be reporting me as having a vehicle loan that was charged off. Firstly the initial sale was fraudulent, XXXX knew and when Ally assumed the loan from XXXX they should have known. Next I thought the Ally loan was paid off by XXXX when I traded the vehicle in to purchase a new car. I called XXXX today because I applied for credit and was denied because of the Ally loan adversely reporting. This reporting is wrong because the initial loan was fraudulent, and the balance was timely paid in full by XXXX. Please have Ally remove the adverse reporting to the three Credit Reporitng Bureaus-XXXX ; XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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

no idea of any new company, i was sick with XXXX for a year and a half and all these accounts pop up ast Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My bank is charging me for a fraudulent check. That was never deposited to my account. However they are not disclosing any information with my about the check nor the person information. I have filed a Police report as advised.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX account number -XX/XX/XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XX/XX/XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Product: Debt collection

Capital Accounts LLC is attempting to collect a debt from a fraudulent company, XXXX XXXX XXXXXXXX XXXX XXXX. Capital Accounts LLC refuses to acknowledge this company as fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX is requesting the following through Capital Accounts : XX/XX/2020 XXXX $ debt {$500.00} interest XX/XX/2020 {$14.00} interest I have not been to a place called " XXXX XXXX XXXX XXXX XXXX '' I have been to a place called XXXX XXXX XXXX XXXX. I have also received balances of XXXX on both an invoice and an itemized list. 

Capital Accounts LLC refuses to recognize the legitimate company and is aiding XXXX XXXX XXXX XXXX XXXXXXXX in fraud. 

Capital Accounts LLC refuses to provide contact information for XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If they are a legitimate company, how are they not able to provide the contact information? 

Capital Accounts LLC Supervisor said they have contact information with someone from XXXX XXXX XXXX XXXX  XXXX but will not provide it. 

Capital Accounts LLC refuses to recognize the XXXX balance from the legitimate company " XXXX XXXX XXXX XXXX '' Capital Accounts LCC refuses to recognize that XXXX XXXX XXXXXXXX XXXX  XXXX does not exist as a company and you can not even XXXX it. 

XXXX results shows there is no such business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX billing has told me I owe nothing. 
Under Texas workmans comp law I would have never been charged. 

Everything points that XXXX XXXX XXXX XXXX  XXXX is fraud, and Capital Accounts is not recognizing them as fraud because they are liking financially involved. 

There are people being scammed by both XXXX XXXX XXXX XXXX XXXXXXXX and Captial Accounts, and both of them need to be stopped. 

I am reporting both of these companies to any fraud related organization I can.