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

I transferred money to two recipients via paypal. After I transferred it, choosing the paypal option that does not charge fees, my recipients notified me that they received notification that they would be charged 4.5 %. I contacted paypal and they have walked me through a resolution. Since I disputed the event, they transaction would not go through to the recipients, but the money would be transferred from my bank to my paypal account and then I can transfer it back. This will take a full 5 days however. and in the meantime, my recipients will not receive their money until I reprocess the transaction. I am attaching a file that indicates what is wrong with PayPal 's workflow where an additional " purchase protection '' selection charges the RECIPIENTS a fee without disclosure.
Product: Credit reporting or other personal consumer reports

S

ubject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Previously filed complaint CFPB XXXX XXXX : XXXX Ref : XXXX XXXX obfuscated. Company acknowledges {$500.00} from XXXX was credit to each of our accounts, but refuses issue us the funds and asked we get the money from XXXX in there response. There is NO RECORD of Serve making any such return NOR have they provided any record. In fact, there response DOES NOT MENTION that they return the funds to XXXX. They need to return the {$500.00} to each of us that was properly credited and acknowledged by them. If they did unnecessary and potentially illegally return funds to XXXX, they need to provide a written record and contact information from XXXX that acknowledges XXXX received the funds and it is to be credited to us. XXXX has no record. The number for custmor service and asset protection is XXXX ( XXXX ) XXXX. There appears to be serious negligence on the apart of Serve and obfusaction by their legal team addressing this complaint.
Product: Debt collection

3yrs ago i crashed car, had gap insurance which i was told on numerous occasions ... .i had gap Insurance Today i get letter for collector, radius global services and they completely ignored my security precautions, so i do not trust whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts have been made to correct issues with this company. The XXXX account is reflecting inaccurate last activity date.
Product: Debt collection

Resurgent Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had tried to get resurgent capital services to give me statements from when the debt was opened to the time the debt was closed. They have not given me the information I requested. They keep calling my family members & harassing them about my location. I have asked them multiple times to stop they will not & they continue to do so. The company needs to provide me with all information regarding my credit report. they will not send me information saying they can collect debts in Washington State. 


XXXX
Product: Mortgage

My husband called loan depot about a month ago to refinance our current va loan with them and we were told that it would be possible in a month and that we would get free refi through their company for the life of the loan. We recently called back to hopefully start the process and were told they no longer service manufactured homes and that they would not be doing a refi for us. They are rude, condescending, and hung up on my husband during one of the many phone calls to try to resolve this issue. We were never alerted to this as I feel we should have been.
Product: Checking or savings account

Ive been banking with Wells Fargo since 2015 and I believe that I am part of the lawsuit where Wells Fargo has incorrectly over drafted or frozen my account during these last 8 years. Since being married I had to change emails and had name change so I want to be sure if I am eligible that I can be compensated appropriately.
Product: Checking or savings account

I just recently switched to Capital One not even a month ago. And on XX/XX/XXXX I was supposed to receive my direct deposit. Well, come to find out I didn't and neither did thousands of others. We all worked hard for our money and it is now almost XXXX XXXX on Friday XX/XX/XXXX and the only thing they really have said is " We are actively working with the vendor to resolve the issue and restore services, and apologize for the inconvenience. '' Which is crazy, considering there are THOUSANDS of people who rely on their paychecks, myself included. I am stressed out and don't know what else to do.
Product: Credit card or prepaid card

As of XX/XX/2020, Gurstel Law Firm P.C. ( XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) received account, tried to make contact with Gurstel on several different days to make payment, but no account info can be accessed or released. No one will return my phone calls and everyday they delay payment, my credit is being effected. Also the original creditor is still reporting negatively, so I tired to pay them, but they refused payment because account was charged off and sent to Gurstel Law Firm
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 XXXX XXXX XXXX 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 Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Student loan

I had mailed, called, and submitted messages on their site in regards to PSLF information including month count and processing and have not been given any information in regards to this. My forms have been " Processing '' for XXXX  months now. As they were originally mailed in the middle of XXXX and were then listed as received in the first week of XXXX, I have heard nothing since despite repeated attempts at contact.
Product: Debt collection

I got an EMAIL ON XX/XX/ from my credit Bureau stating i had a derogatory mark on my credit report. It is from XXXX XXXX XXXX saying that my collections debt is {$3200.00}. I never received calls or written statements of such debt. On my credit report it states that it opened on XXXX, during XXXX, but I am unaware of what this is about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under Section XXXX Failure to Provide 1099 Form Dear XXXX, I am writing to formally dispute the accuracy of information on my credit report, as provided by XXXX  XXXX XXXX XXXX XXXX charged-off debt. This information is inaccurate and does not comply with legal requirements, as I never received the required XXXX form for this charged-off debt. This omission renders the reporting of this account invalid and negligent. 

This inaccuracy has caused me significant harm, including : Denial of credit due to the reporting of this charged-off debt. 
A negative impact on my credit score, which has affected my financial opportunities.

Request for Resolution I am requesting that XXXX take the following actions : XXXX an investigation into the accuracy of the reported information. 
Remove the inaccurate account from my credit report promptly, as it fails to meet legal compliance standards. 
Notice of Intent Should you fail to resolve this matter adequately, I will consider taking further action, including seeking damages for negligence and non-compliance under Section 16.81.o. 

I trust this matter will receive your immediate attention. Please confirm receipt of this letter and provide an update on the status of my dispute within XXXX  days. 

Thank you for your cooperation. 

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

I am rewriting to address multiple unresolved issues with the information on my credit report in EQUIFAX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 
My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EQUIFAX is obligated to investigate disputes within 30 days, but I have not received any update or resolution. 
This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EQUIFAX to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed 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 XXXXI XX/XX/2023 TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 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 XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.
Product: Checking or savings account

Chime Banking Thursday XX/XX/XXXX at XXXX I used an XXXX Chime service terminal to withdrawal {$100.00} I did not receive my funds .. Chime did not allow me to file a claim until Saturday XX/XX/XXXX, not even 24hr later they denied my claim stating No Error .. they did not follow any Regulation E process to be able to deny my claim in one day .. No Chargeback was completed through XXXX or XXXX .. they were unable to give details of the denial There customer support was not helpful at all stating Sorry we cant help I never received a temporary credit while the investigation was done again in less then 24 hours they denied my claim.. I was hung up on several times and transferred for over 38 mins on Thursday the XXXX as I am still out of my funds with no resolution from CHIME as they have not followed any proper procedures to assist me as there consumer I am very disappointed in this company and would not recommend them to anyone I will no longer be using CHIME Banking service because of there Lack or Knowledge on proper banking and regulation laws They misuse their services and have shown over these last 3 days they dont care about there customers!!
Product: Mortgage

My original loan with XXXX XXXX XXXX Loans was transferred to Specialized Loan Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX ) XXXX. I have proof of every single payment ever made since the loan originated with the first payment due XX/XX/XXXX. I have a copy of the cashed check dated from XX/XX/XXXX and not once was a payment even XXXX day late. I had two loans with them, they applied a payment from one loan to another and then said my payments were late for the remainder of their ownership of the loan until it was transferred again. I spent countless hours on the phone with employees just hanging up on me. I have proof of emails showing the payments made. I went back to the original loan originator to help me resolve the matter, XXXX XXXX XXXX XXXX. They worked with SLS and confirmed their mistake and said they would remove the late payments. They would not acknowledge my credit dispute and I am now resorted to taking this up with a lawyer. As of XX/XX/XXXX, I received this response " I received a response back from XXXX XXXX XXXX ( SLS ). They have reviewed the issue and have removed any negative reporting that XXXX have occurred. It was discovered that you have XXXX loans ( XXXX and XXXX ). The loan number used in the bill pay check matched XXXX, but the address matched XXXX. Also, loan number was written on the check but then crossed out and replaced with XXXX. The loans have since been transferred to new servicers. SLS will work with them to correct any issues. '' This company has ruined my excellent credit history and is literally preventing me from obtaining a loan.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX  XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX  XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX 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 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: Bank account or service

I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund,
Product: Credit reporting or other personal consumer reports

I reviewed my consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer info to the best of their ability with maximum accuracy. I have never been late on payments for the account with XXXX XXXX XXXX XXXX, the account number associated with this account is XXXX. Please investigate and provide proof with statements showering that these payments were late. If proof cant be provided I demand that these payments be updated to on time as they should be as I was NEVER LATE! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Mortgage company early XXXX to make payment arrangements. As our county each year for the last 4 years have been hit with a natural disaster fire. I was advised that I could make payment arrangements. I was told since I was in an area that was declared a natural disaster area I would not incur any late fees and they would not report any late payments. I recently pulled my credit report and all three agencies show multiple late payments for XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I contacted the company to have them resolve the issue and was told I would have to submit a letter to their dispute department. I was told this was the only form of communication I could use. As there was no phone number or email address as a contact. I submitted a dispute with all three credit reporting agencies. Trans Union updated my file under remarks that I was Affected by natural disaster. Which increased my credit score.  However, they did not removed the late payment history for those months. Today I received confirmation from XXXX that they have updated the remarks on my file to reflect " Affected by natural disaster '' and, they also updated the monthly history to show no late payments. I tried to issue another dispute to get the late payments removed but was unable to do so.
Product: Credit card

On Wednesday, XX/XX/2024, an employee at XXXX XXXX in XXXX, MD, double charged me for one meal totaling {$15.00} that was stolen from me. 

When I asked for a refund the employee claimed he had to take a picture of my credit card # and security code with his personal cell phone and text it to his bosses personal cell phone, because my boss is in his office and it could take a while for him to get here. 

When I refused that option for security reasons, the employee took my receipt and contacted the food and beverage manager. When the manager finally came to me, the manager wrote down my email, phone number, and the last 4 of my CC and claimed he would fix the charge and contact me. The manager at XXXX XXXX  never contacted me and my attempts to reach them have continued to be unsuccessful. 

I sent this information to Bank of America and they immediately closed my charge back request due to lack of a receipt showing incorrect charges. When I called Bank of America to ask why my request was closed so quickly they told me it was because the XXXX  company wanted a receipt that XXXX  food vendor didnt provide. This is clearly fraudulent on XXXX  part, and Bank of Americas part in protecting their customers when using credit cards for purchases. This is my first charge back request in 14 years as a customer with Bank of America and Im frustrated by this entire process.
Product: Checking or savings account

On XX/XX/2021, I placed a call to PNC Bank and was advised by a customer service representative that they would not be able to reverse five overdraft fees accumulated XXXX {$36.00} each ). However, I signed up on a {$300.00} bonus that was supposed to have been disbursed in my account 3-4 weeks ago and I have never received the bonus. I received my direct deposit through them for months and have never received the promised promotional bonus amount.