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

In XXXX I purchased an item from a third party in XXXX XXXX XXXX XXXX XXXX -using Paypal as the method of payment. The product was 2 folding chairs for {$39.00} shipping included : " Premium  Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY '' I used Paypal principally because of their promise : https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? gclid=Cj0KCQjwhIP6BRCMARIsALu9Lflux312aVeeEiH1HrvqZzWfMit5UMl10qlz2O9ac-Q7MryMFJDrNtAaAlhOEALw_wcB & gclsrc=aw.ds " 1. You were charged for something you didn't purchase.

2. Your order never arrives. 

3. Your order arrives, but it's significantly different than it was described. " I never received the product so I filed a dispute with Paypal ( # 2 ) on XX/XX/XXXX for a return of my money. Paypal responded via email that they would have a decision within a few weeks. On XXXX.20 I received a small little packet with two blue carry bags - that's it. The packet didn't say where or who it was from so I had no idea what i was only that I did not order it. Lo and behold - on XXXX.20 Paypal wrote to me saying my dispute was " case closed '' as I had now received shipment. It appears the mystery bag I received is from the same company in XXXX. With Paypal there was and is no other option to reopen the dispute on the grounds that I did not receive the product ( # 3 ) in question. They do not answer the phones, they do not have an email - only text and the text is a robot that basically tells you what you already know about your account. It appears that Paypal is deliberately set up to avoid any phone calls so that they do not have to honor their promise and if they do not honor their promises, this is not only misleading but are complicit in fraud with these international companies. Furthermore, a quick XXXX search will show that this has happened to other persons as well : https : //www.paypal-community.com/t5/Protection-des-Achats/Is-XXXXXXXX-scam/td-p/2022702 and https : //www.paypal-community.com/t5/Disputes-and-Limitations/Scam-Really-cant-back-money/td-p/1938161 and finally .http : //www.corporate-office-headquarters.com/paypal. There are plenty others as well. Logically one can infer that if this is an ongoing issue with these fraudulent companies and Paypal is not honoring their promise - they too are complicit and abetting these fraudulent companies. A such I would like the CFPB to look into these misleading and fraudulent practices of Paypal. Attached are photos of the product I received instead of my canopy chairs.
Product: Checking or savings account

Fraudulent activities on XX/XX/year> Fraudster added their phone number to my account and transferred funds by using XXXX XXXX. They also transferred funds from savings into checking account. I called the bank the next day because the bank was closed when I discovered this. I requested for a provisional credit but was denied. I filed a police report. The bank stated that they will conclude their investigation on XX/XX/year> and will not give me bank statements of my savings account and money that was issued as a refund when the account was closed. I asked for the bank statements several times. I had {$55000.00} deposited into my account since XXXX and was left with {$6000.00} by XX/XX/year>. It does not add up. I called the bank several times and was hung up on. No one is disclosing how my account was compromised and my sensitive information was leaked. I have no idea what to do because of the lack of communication. I requested for a provisional credit and was denied. They closed my account and opened another one, but the bank keeps charging me money with overdraft fees. I have no funds. I dont know what to do. I already sent a demand letter by email. They allowed for my bank account to be compromised multiple times. Do not bank with Netspend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX   XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and expressing discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious questions of consumer safety.
Product: Credit reporting or other personal consumer reports

Equifax, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a public record entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX bankruptcy Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported public record. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. 

Should you be able to verify this public record, I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding, the courts do not report or furnish information to the credit reporting agencies. The integrity of the information reported on my credit file is of utmost importance, not only for my personal financial health but also for maintaining the accuracy and reliability of consumer credit reporting as a whole. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this public record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.
Product: Mortgage

I received something in the mail About during XXXX how we didnt have to make payments and then all the payments were due at once and had to come up with the money that I did not have
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to unfreeze a TransUnion credit freeze I have placed on my account. It stated that my email address and password were not correct although stored in the memory of my XXXX I checked with the lender. The freeze is still in place, which is good, but I cant get a hold of anybody to resolve my login attempts so I can reset my password and control my credit, freeze and unfreeze
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00} 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: Credit reporting or other personal consumer reports

Please investigate my disputes mailed out to the credit bureaus several months ago and still as of today, I have not received any correspondence from them or anyone else with regards to my dispute requests. I am not understanding why they never ever respond. All they send is that one " stall letter '' every single time. Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 


The accounts that I want disputed are attached and I will wait for my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX. 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Credit reporting or other personal consumer reports

Experian, TransUnion, and Equifax has reported false reports on I as an creditor
Product: Credit reporting or other personal consumer reports

Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX TransUnion and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.
Product: Debt collection

I want to emphasize that the collection from XXXX XXXX XXXX associated with Paramount Recovery in the amount of {$840.00} is not my debt at all.
Product: Vehicle loan or lease

American Credit Acceptance is trying to repossess our vehicle claiming we are 3 months late when we aren't and they are telling us the payoff is XXXX when the whole account was XXXX all together at purchase, 22 months ago and we have paid over XXXX, $ XXXX per month, including {$3500.00} as down payment and they've taken a lot of it for fees and taxes and whatever else. I checked my credit report and American credit Acceptance is not reporting all payments we've made to them the whole 22 months. We paid XXXX down on the vehicle at XXXX XXXX XXXX 22 months ago. That isn't even being counted and our vehicle is now up for repossession when it shouldn't be. We are not behind 3 months, one more payment should pay it off. They want more money and won't uphold the contract.
Product: Credit reporting or other personal consumer reports

I never gave my content for this information to be on my credit report and therefore this is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/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 card or prepaid card

Capitalone has two of my credit card accounts. One they purchased from Orchard bank which I guess went out of business. At the time my Orchard card was at 14 % interest. Lower then my capitalone card, until they bought the Orchard bank account. Then interest went up, dont even know if this is legit. Anyway my problem is they recently gave me a credit increase on the one card on XXXX to XXXX dollars. All I asked was for a credit line increase on the other card recently XXXX of 2019. Last credit increase on the card asking for an increase was on XXXX to XXXX dollars. There excuse or reason for not giving me an increase is that I dont pay enough per month on my card. Then I looked at my payment history. Payments were well over 10 times the min payment. XXXX one month XXXX another a XXXX one month. Yeah Im paying down my credit cards isnt that the objective. They could of came up with a better reason then that. I feel they are probably making more in interest off of me on the other card and want to give me more room on that one to charge up cause they make more money in interest. Might I add Never late, Never missed a payment. This is how they treat loyal customers. So reaching out to anybody on the phone is of no help, so thats why I am writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE ME
Product: Mortgage

XXXX I did a loan modification on my mortgage with US Bank XX/XX/XXXX I sold the property and had to pay {$13000.00} back to HUD That amount sounds excessive and I do not think it is accurate
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ) This ACH was not authorized. I do not have a XXXX   XXXX account. I do not do business with this company. 

XX/XX/XXXX I reported this ACH as unauthorized in writing and within 60 days of the first statement the charge was credited on. 

I contacted USAA to see when I would recieve my funds back and was told I was not allowed a credit. 

More than 10 days has passed and I have not had a credit or anything. 

It appears to me USAA is not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i disputed an account ( XXXX XXXX ). In the results of Transunion first investigation with Account ( XXXX XXXX ), Transunion stated in writing that they verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in attachment ) reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion provide me with competent evidence with an original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I had a car accident. I then tried to receive money from my fiance to pay for a rental until my insurance reimbursed me. But cashapp had abruptly closed my account with no warning, & only gave a short texted response saying it was because I was doing fraud. I worked for XXXX XXXX at the time and have never committed fraud in my life! So I have had no way to send and receive money from my children, significant other, or my family.