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

PayPal allows anyone to send funds to anybody, without prior acknowledgment. 

My friend sent me {$130.00} to reimburse me for an expense. 
According to PayPal, she sent as a commercial transaction instead of personal transfer. I don't have any control over who and how they send me money. She did put a note that this was a transaction between friends. 

Upon receipt, I notice PayPal charged ME a fee. I tried to work on that with PayPal, but it's PayPal so they don't help in any way. Had they looked my account, I don't have any indication that this could be a commercial transaction, this was a transfer between friends. 

PayPal suggested me to refund, however I would still have to pay XXXX in non-refundable fee. See the problem here? Someone sent me money, I decided not to accept, and I still have to pay a fee ( not the person that sent it by mistake ). I'm paying for someone else 's mistake. Something completely out of my control, and I'm the one being charged a fee. How is this legal to be charged a fee for something you don't accept? If a fee must be charged, I'm not the one to pay for it. I did not initiate this, I did not sent any request, I made no mistake. How is it legal that I'm the one paying a fee?! 

The problem doesn't stop there. The representative said multiple times I'd be charged XXXX fee. I proceeded with the refund, and I was charged XXXX in fees. I wrote back asking about this difference, and then they said yes, my fee is higher and should be XXXX. You see the next problem? None of the fees PayPal told me matches what I was charged, which is higher. 

By the way, PayPal, of course, does not allow me to save the conversation to share with regulators. Isn't it nice? I had a lot of work to be able to copy and paste, and it is attached. There is a reason for them to make it difficult. 

This is clearly lack of regulators watching what these companies do. Why? Someone is probably making a lot of money, because it's unacceptable to have so much uncertainty in the financial industry. PayPal is taking advantage that regulators are not watching their operations. 

I regret choosing PayPal and that was the last time, I promise you. I thank PayPal for giving me the opportunity to find a competitor that made everything so much faster and simpler ( XXXX ) and, fortunately, I won't use PayPal or Venmo for any transaction in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Moments ago, Experian notified me via email that they have completed the requested investigation of my previous CFPB complaint ( Complaint Number : XXXX ). I am exercising my right per the FCRA to request a reinvestigation. Within the aforementioned complaint, I specifically communicated and requested that ALL entities, due to a laundry list of valid and legal reasons to please promptly and permanently delete their respective accounts, and for any company that chose not to, to provide me with documentation, which I will list below. Three of the five disputed companies did the right thing and deleted the accounts which they were reporting. However, the two companies that did not delete the disputed information were XXXX XXXX XXXX XXXX XXXX XXXX anXXXX XXXX XXXX XXXX XXXX, -which XXXX XXXX is aware and have confirmed to me when contacted, that I was compromised. XXXX has already confirmed to me that they are aware the account is fraudulent, and have told me personally on two occasions that they would remove the account. Both companies have, or used to have, on record, a previously filed and submitted police report and Federal Trade Commission complaint, and neither company has deleted their respective accounts. I have conformed that they have this documentation on two occasions ; once in XXXX, and again in XXXX. I SPECIFICALLY stated in my complaint that ANY CREDITOR/ENTITY THAT CHOOSES TO NOT DELETE THE DISPUTED INFORMATION, MUST THEN 1. PROVIDE ME WITH SUFFICIENT DOCUMENTATION OF PROOF, EVIDENCING SAID VERIFICATIONS OF THE ACCOUNT ( S ) WHICH IS BEING FURNISH, XXXXWHICH WILL HOLD UP IN COURT BECAUSE " ACCOUNT STATEMENTS '' WON'T SUFFICE ; 2. THAT THEY MUST UNDENIABLY PROVE THAT THESE ACCOUNTS AND ALL ASSOCIATED INFORMATION WITH THEM ARE FACTUALLY TRUE, CORRECT, TIMELY, ADEQUATELY COMPLETE, AND OR UNDOUBTABLE ; XXXX. FURTHERMORE PROVE THAT I AM WHOLLY THE RESPONSIBLE PARTY. XXXX XXXX and XXXX did NOT provide me with ANY documentation whatsoever. With that being said, -my name, address, phone number, email, or any other form of public information, real or not, associated with me or not, does not give anyone the right to use that to automatically verify any accounts that do not belong to me!
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth 06-28-1979 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I made this comment on XXXX comments about an hour ago, but did not sign in to post it, because I've maintained limited access to XXXX within the past year ; I find their dealings to be a little strong ; their clientele is a little too unsettled for my enjoyment : But! ... 

" I requested my Experian data be deleted last month, because they insisted I keep information about a family matter, legally settled out-of-court, that favored me with my changing back to my maiden name ; they wouldn't let me sign into their account without my married name. '' - this has been repeating for the past XXXX? XXXX? years, at least. - " I hope they get stung real good ; brings to mind that I should try a sting of my own '' / gen. XXXX. 
This issue with them involves an XXXXXXXX XXXX XXXX XXXX child who sXXXX 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  The incident occurred while I was at a part-time job, which I'd been coerced into, ( XXXX hours ) at a nearby XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've only been using the Internet since XXXX ; my son was born in XXXX ; he's now XXXX XXXX XXXX. And though he's a very intelligent person, he's had difficulty maintaining - bka ( being credited for ) being able to take care of his own children, through no fault of his own, - ( even after he lived here with them, on-and-off from XXXX - XXXX ) ; they had the nerve to try the same scam on me before I moved here in XXXX ( turning your electricity off ). - But, that man, whose name is still on my record,- which denies me the right to complete my account " login '' - because he's able-bodied, and well-known to a great number of social class workers who live here, had the nerve to follow me back here - still a livery driver- even had a chance to disgust me by picking me up at mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given XXXX, XXXX, or Experian written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX  Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXXXXXX XXXX Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXXXXXX  Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I opened a new credit card account with XXXX XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted Experian on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and Experian had no remedy for me. I also contacted XXXX XXXX   XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX Account number:XXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that these assumed accounts were in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the dates you are reporting. Please report the payment status as positive and update the lates from reporting on these accounts. 

XXXX XXXX Date XXXX Balance : $ XXXXLate/Closed Late Date XXXX, XXXXXXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/11 a transaction in the amount of XXXX was taken from my account from a XXXX XXXX PAYMENT I immediately called and chat with customer service and they initiated a dispute claim. After 45 days I received an email stating that my dispute was denied and they found no error. I bank with CURRENT CARD and they did not send an explanation why or even provide a provisional credit to my account. I was a victim of fraud and I have no clue how and CURRENT CARD will not return my funds.
Product: Credit card or prepaid card

In XX/XX/XXXX, I filed a dispute with Bank of American regarding our stay in the XXXX XXXX from Thursday, XX/XX/XXXX - Thursday, XX/XX/XXXX due to false advertisement by XXXX regarding their XXXX XXXX XXXX XXXX   XXXX. Details regarding our trip by date are attached along with the purchase receipt made for the new hotel stay while on our trip. We felt harassed and feared for our well-being and safety after trying to resolve our issues/concerns with the XXXX XXXX locally. I received a letter from Bank of America dated XX/XX/XXXX letting me know my dispute was completed and that they could only issue a partial credit in the amount of {$680.00} due to the fact that we did stay on the property. There was no details in the letter that led me to believe that any further action was needed on my part. I was not happy with the the resolution but I can understand that it was fair. I believe that we should have been credit the total amount of {$1200.00} due to the fact that we did not eat most of the time we were there and spent most of our time in the lobby trying to work with or wait for management that never showed up. At one point, the lady at the customer service counter said, " You will never see this money. We have so many unhappy guests and they leave and just spend double the money to pay for another resort. You'll never see this money. '' They are very rude, unhelpful, and only offer to give you free XXXX XXXX to help us " try '' to enjoy our stay. We shouldn't have to TRY to enjoy our stay, we should enjoy our stay. Even thought I felt like we should have received the entire amount of stay back, I figured {$680.00} was better than nothing. Than I received a letter on XX/XX/XXXX saying that it was my responsibility to obtain a credit slip from XXXX or the resort. As I already knew, the resort would not be helpful. I called XXXX, was transferred several time and finally got transferred to someone who said they would issue me a credit slip. Then they went into my account and said, I'm sorry but I can only send that directly to the credit card company but couldn't because there was no credit slip from the resort. '' I have spent many hours and days trying to come to a reasonable resolution. My husband and I were celebrating our anniversary, took 7 days off of work just to have a stressful, unenjoyable trip. We also had to end our trip early due to Hurricane Irma.  Overall, it was a nightmare and then I came home to a bigger nightmare over the next few months due to the back and forth with Bank of America. I was on the phone with them and instead of trying to help resolve the issue with XXXX, I had one representative tell me, " Did you try to talk to the chef? '' At that point, I was home and was seeking some compensation for false advertisement from XXXX and the fact that I had to book two resorts for one trip. I am looking to receive a full refund in the amount of {$1200.00} due to the false advertisement. We did not get what we paid for.
Product: Debt collection

XX/XX/XXXX : My student loans were paid in full by XXXX XXXX. Somehow, less than {$40.00} was appended as " Fees '' by the collections agency servicing the collection. No notice was provided about these " Fees ''. 

Additionally, the {$5200.00} Payment was not reflected on my credit reports. I have received ALL of the negative impacts, but none of the positives. 

Payment Effective Date : XX/XX/XXXX Payment Type : Treasury Offset Payment Amount : {$5500.00} Applied to Principal : {$4500.00} Applied to Interest : {$660.00} Applied to Fees & Charge : {$17.00} I have contacted studentaid.gov, Dept. of Education in general, XXXX and Reliant Capital Solutions. All have said " We can't see the balance when the payment was made. '' " We can't correct the error, contact ( one of the other entities ) ''.

studentaid.gov refused to provide me with a customer support phone number while I was in chat until I literally became irate, which the agent THEN decided to provide me the requested information and terminated the chat. 

In short, I've been robbed of my positive credit history and the ability to acquire a mortgage due to " Fees '' from a collection agency AFTER my student loans were paid in full by XXXX. The reported data is inaccurate due to lack of " Date of Last Account Activity '', and not showing the paid amount ... just that the balance was reduced. 

I would have paid the remaining balance, if I was ever notified about it. They had my physical address ... 

XXXX*EDIT : STUDENTAID.GOV SHOWS INTEREST RATE OF 0.00 %! HOW ARE YOU CHARGING ME INTEREST? ALSO SHOWS LAST PAYMENT IN XXXX! ARE YOU NOT REPORTING AT ALL?! **
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

XX/XX/year> Jefferson Capital System LLC XXXX XXXX XXXX [ XXXX XXXX, XXXX Amount owed ( {$1700.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Pa XXXX Amount owed ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Amount owed ( {$370.00} ) Re : Charge for Violation of Fair Debt Collection Practices Act ( FDCPA ) Dear Jefferson Capital System LLC, XXXX XXXX, XXXX XXXX XXXX XXXX I am writing to formally address and charge you with violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits certain abusive, deceptive, and unfair debt collection practices. 

I have reviewed the actions that your company has taken in regard to my alleged debt, and I believe that you have violated the following provisions of the FDCPA : 1. [ Specify the violation ( s ) : ( e.g., harassing phone calls, misleading statements, failure to validate the debt, etc. ) ] For example : You called me multiple times a day, using threatening language, which constitutes harassment under 15 U.S.C. 1692d. 
For example : You failed to provide me with proper validation of the debt within 30 days of my initial communication, violating 15 U.S.C. 1692g.

These actions are in direct violation of the FDCPA, which provides consumers with the right to be treated fairly and respectfully by debt collectors. As per the law, I request that you immediately cease any further contact with me regarding this alleged debt, and correct the actions that have been taken, including : XXXX XXXX XXXX XXXX XXXX Reported on my credit report XXXX XXXX Jefferson Capital System LLC {$1700.00} Reported on my credit report XXXX XXXX XXXX XXXX Reported on my credit report ( {$370.00} ) i am a victim of XXXX The Information listed below, which appears on my credit report, is the result of that XXXX  please block this information from my credit report within four business days, pursuant to section 605C of Fair Credit Reporting Act Please be aware that failure to resolve this matter and comply with the FDCPA could result in further legal action. I am requesting that this issue be addressed promptly and that you provide written confirmation of your compliance with the law. 

Thank you for your immediate attention to this matter. 

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

" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX/Experian/XXXX XXXX did not XXXX it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security XXXX XXXX and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX