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

I purchased a wig from XXXX on XX/XX/XXXX through PayPal with my XXXX XXXX card and it was suppose to arrive on XX/XX/XXXX. It was labeled as delivered but I still have not received it. I have called PayPal and my local USPS office for two weeks to resolve this issue with either a re-shipment or a refund to no avail. I XXXX how to speak with a live representative instead of an automated robot and I called the number that was provided. I explained my problem and I was asked to download an application called XXXX and automatically became defensive because they could see my personal information. I asked how this was relevant to me receiving a refund and he said the only way that he could verify my information was if I added {$2400.00} to my XXXX XXXX  card and that he was permanently close my account and send me a {$500.00} bill if I didnt follow through. Why would I need to add that amount of money to my card to receive a refund of {$37.00} for a wig? I asked for his name and supervisor and he wouldnt answer. He just yelled. I quickly deleted the app, disabled my card, and changed my passwords across every website and app, including my banking information. I reported the website to XXXX and Consumer FTC, as well as emailing their information to the real PayPal for fraud and phishing. I am fearful of my account being compromised and my local bank doesnt open until Monday. There needs to be a better system to access customer service representatives outside of the resolution center so customers can follow up on disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts. 

By law accounts given XXXX can not be reported on a credit report negatively. 

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX
Product: Student loan

I have been paying Premier Student Loans {$30.00} a month to " pay '' XXXX XXXX on my student loan. They were supposed to take care of my payment and all of the paperwork to get me recertified for the Income Based Saving Plan when the time came. Also the Public Service Loan Plan. They were supposed to be paying towards my loan. I did not know that they were not putting the money towards anything on the loan. I have tried to contact them but they are being sued and their phones are turned off. They have a message that now runs saying to get on a website and contact Dept. of Ed. because they are being sued.
Product: Credit reporting

Someone got my Debit card information and started purchasing items with my card, the bank caught it and cancelled my card. I recently received bills from experian that I was receiving a service that I did n't authorize, I tried to order my annual credit report but it was denied saying I already received a free report. I need to find out what I have to do to find out who 's looking into my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed in this complaint are indeed financial institutions defined under Federal LAW which they should know.

Title 15 USC 6802 6803, 6804 The Gramm-Leach -Billey Act ( GLBA ).

Congress wrote into LAW Financial Institutions MUST provide federally protected consumers like myself a NOTICE giving me the right to OPT -OUT of credit reporting and they DID NOT.

The Law also states that they can not transport My non public personal information without my CONSENT/ PERMISSION! And if they do then this is ID Theft!!!!! 

Additionally, these 2 companies continue to illegally VERIFY with your consumer reporting agency when my dispute is based Solely upon information that they are illegally reporting when Federal Law says they must provide NOTICE before reporting my PRIVATE information. 

How can these companies report then ILLEGALLY verify information that shuld not be reporting on my consumer reports in the first place? 

Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never did business or signed any contracts, notices. They have NO right to report my NON PUBLIC PERSONAL INFORMATION.
Product: Checking or savings account

I made a treasury check deposit on XXXX of XXXX it is now XXXX of XXXX and the bank just keep putting 2 month holds on my deposit and they XXXX  the irs
Product: Money transfer, virtual currency, or money service

At XXXX EST on XX/XX/year>, I received notification, I was on my account, and sent an email that my Robinhood account was temporarily restricted because of Unusual Activity, and they want me to provide documents to remove the restriction. I have not responded, nor sent any documents as this is a scam to steal my assets. 

I then received a call from ( XXXX ) XXXX but did not answer and received a voicemail. 
After a quick internet search, I have found this is not a legitimate XXXXobinhood customer service phone number. I have not called the number back as many people are claiming it is a scam phone number.

I came right to the CFPB website to file a complaint on Robinhood and need action taken as soon as possible to get my account unrestricted and move my assets.

I have submitted a call request on Robinhood 's website but am in a que. That phone number is ( XXXX ) XXXX. I also read that they do not call back from the legitimate phone number in a timely manner, some people claiming it's been weeks and still no call back.
Product: Vehicle loan or lease

Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )
Product: Debt collection

CREDENCE RESOURCE MANAGE IS REPORTING FALSE INFORMATION. MY IDENTITY WAS STOLEN AND ACCOUNTS WERE OPEN IN MY NAME IS THIS IS XXXX OF THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, 2022, I mailed a certified letter to XXXX demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.
Product: Credit reporting or other personal consumer reports

AS A RESULT OF THE IDENTITY THEFT THAT I HAVE ENCOUNTERED THERE ARE INQUIRIES THAT WERE PLACED ON MY CREDIT THAT I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. 

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT THAT I DID NOT AUTHORIZE AND XXXX AND XXXX HAS ALREADY REMOVED PLEASE FOLLOW SUIT. 

XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT I HAVE NO ASSOCIATION WITH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Central portfolio control inc says they have an account in their office. Contacted XX/XX/XXXX at XXXX hours. Replied with stop to opt out of texting. Received message that Ive been unsubscribed. 
Contacted again on XX/XX/XXXX at XXXX. Same message. Opted out again. They contacted me XXXX time prior to the XXXX, however, I deleted that text.
Product: Debt collection

I have been contacted through phone and letters from this company named, Convergent Outsourcing , INC . They have been contacting me to make a payment of XXXX. This debt is not explained in the letter at all.I think this is a scam and they have my information which should be deleted from their files.
Product: Credit card or prepaid card

For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by XXXX to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.
Product: Credit card

I have extreme concerns about Wells Fargo and their data protection and privacy for their consumers. My current legal name is XXXX XXXX. I have been using that name for the past XX/XX/XXXXyears since I got married. Over 20 years ago I had a Wells Fargo checking account in my maiden name XXXX XXXX. That account has been closed for 20 years plus. Recently, I opened a Wells Fargo credit card. When I went online, I entered in my Social Security number as well as my current legal name XXXX XXXX. As I have said I have not use any other name for the past 11 years nor have I had any other Wells Fargos accounts and any other names. When I went to pay my credit card bill, I entered the information from my checking account number with XXXX XX/XX/XXXX which contains my current legal name XXXX XXXX. The Wells Fargo computer system had some type of glitch and even though both my credit card and current bank account say my current legal name, XXXX XXXX, the Wells Fargo system kept reverting to my maiden name XXXX XXXX, and would not allow me to make a payment. I spoke to several representatives that day a few weeks ago and none of them could help fix the problem. The only advice they gave me was to go into a branch which I did not have the time or ability to do. I escalated the complaint to the executive team because this was obviously not an issue I had caused it was Wells Fargos computer system. I have serious concerns about the security of my data at this point. The person I spoke to today could not do anything to fix the issue. Besides telling me I would need to go into a branch and hope that somehow they could fix the issue. I do not have the time or ability to do that as I stated many times Ive never had this problem with any other account that I have opened ever. Even though I held accounts in my maiden name for several other credit card companies, such as XXXX XXXX and XXXX XXXX, including bank accounts this is an issue with Wells Fargo that I am unable to fix by providing more of my time and energy into and I think they should be investigated for faulty systems and inability to keep consumers data safe
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies gained access to my credit report which was not permissible : XXXX XXXX Inquiry Date : XX/XX/2019 XXXX XXXX XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX/XXXX Inquiry Date : XX/XX/2019 XXXX XXXX Inquiry Date : XX/XX/2019 I have contacted Experian to have these inquiries investigated on numerous occassions to no avail. Please assist me in this effort.
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  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I asked for the account to be closed after I disputed a payment it went bank to XXXX but they never closed the account now they saying they have a right to let the payment go through even if the money wasnt in the account and I didnt use the account for a month because I thought it was closed until I received a bill from the account XX/XX/year> {$160.00}
Product: Checking or savings account

Pnc Bank not sending account information to XXXX.
Product: Debt collection

Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

A relative recommended that I contact Global Client Solutions to settle two credit card accounts totaling XXXX. I am XXXX years and don't speak or understand English. When I called Global Client Solutions ( on XX/XX/XXXX ), someone set up a payment plan for the two credit card accounts. I thought that they would be paid off within 4 years. They told me to pay {$280.00} each month, and a bank debit process was done. I was mailed an Account Agreement and Application form, which was in English. There were instructions to sign where the arrow was on each document. I made payments from XX/XX/XXXX through XX/XX/XXXX. I paid {$2200.00} during that time. On XX/XX/XXXX Global Client Solutions mailed me an Account Activity Statement. Looking over that statement, I came to realize that my account balance is only {$450.00}, with no money being paid to the two credicat card accounts. The rest of my deposits went to " customer and transaction fees ''. I believe that I was taken advantage of because of my language and age. I would not have agreed to this if I understood that I'd be paying over {$200.00} in monthly fees with nothing being done to settle my debts. My only income is from Social Security, and I live in subsidized housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request XXXX XXXX to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting debt from XXXX XXXX  without validation tried to have them correct the situation and they are refusing to do so XXXX  can not verify the debt
Product: Money transfer, virtual currency, or money service

For TWO MONTHS I have been attempting to gain access to {$100.00} that was never credited to my account and is not earning money in a managed portfolio. Below is Axos Bank 's response to my XXXX  complaint. The refuse to credit my account or give a timeline for when my funds will be available. The last transaction I made in this account was on XX/XX/XXXX and they STILL have not resolved this. They have unapologetically stolen {$100.00} from me. 

" The discrepancy between the value of total deposits displayed in your online portal and the data contained in the statements is due to a balance display issue in your online portal. The total deposits made via XXXX into the XXXX XXXX account ending in XXXX, is in the amount of {$3000.00} as opposed to the incorrect {$2900.00} reflected in your account online per your supplied screenshot. Below this page is a record of all XXXX deposits received and processed accordingly in our system. We have escalated this matter to our technology department for investigation and resolution. A time frame is unable to be provided as to when the issue will be resolved by our tech team, however, a member of our team will reach out to you as soon as possible upon any available updates. '' DATE DESCRIPTION AMOUNT SOURCE XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$90.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$90.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$160.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX 6 DAYS {$1900.00} XXXX
Product: Debt collection

XXXX XXXX XXXX Victoria Secret ( Comenity bank ) I have requested information from the creditor due to a Victoria Secret credit card ( Comenity bank ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) law grants credit bureaus 30 days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within 30 days, theyre in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

XXXX was supposed to be deposited in my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX, the funds were not in my account. I called XXXX XXXX and was told there was a system error since Wednesday. I asked why there hadn't been any communication and the rep had no response. I requested a supv who informed that the funds should be available in the afternoon. A friend also called about her account and was told it would be issued that morning. I requested to be updated and was assured that I would be updated. 
The money still wasn't deposited on Thursday so I called back. Several friends received emails, I did not. I called back and was told the problem still wasn't resolved. I complained about no communication again and was told management would be notified. 
No money on Friday. The money was in my account Saturday morning. This needs to be investigated and XXXX XXXX should make restitution