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

I received an email from PayPal saying that I purchased an XXXX  from XXXX. When I called PayPal customer service on the email, I explained to the situation to XXXX ( employee # XXXX, phone number XXXX ). He connected me with a financial supervisor XXXX XXXX ( XXXX ) no employee number given. XXXX said he required access to my phone and my debit card number to reimburse me. I then received a receipt from XXXX, XXXX had changed my name to XXXX XXXX and took {$1800.00} from my checking account. I notified XXXX that this was an unauthorized transaction, but XXXX said the funds were transferred to an XXXX XXXX XXXX. XXXX also said that there was a Bitcoin account with XXXX. I canceled my debit card and changed my login and password. I tried to talk to him on XX/XX/XXXX and he insisted he did nothing wrong and he could refund my money if I gave him the new debit card information. I notified my bank, opened a new PayPal account just so I could file a complaint. They said they would get back to me by XX/XX/XXXX which is absolutely ridiculous. I tried to contact their corporate headquarters, but was unable due to the amount of telephone numbers that aren't connected their headquarters. My old PayPal account address is XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. I used PayPal once for a purchase over a year ago
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of an account that they are saying is mine.
Product: Money transfer, virtual currency, or money service

I am writing to express my profound dissatisfaction and frustration regarding the holding of my funds in my Square account. As of XX/XX/year> my square account got deactivated with a balance of {$140000.00} being withheld for a period of 90 days, its been 10 months already and my funds is still being held which is causing significant financial hardship and disruption to my business operations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, The impact of this hold on my business can not be overstated, and I urge you to prioritize this matter with the utmost urgency. 

I trust that you understand the gravity of this situation and will take prompt and decisive action to rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in touch with all XXXX bureaus since XXXX  about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical debts for XXXX XXXX that is being reported incorrectly by money recovery  collection agency, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May  concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX XXXXXXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX XXXXXXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXXXXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Product: Bank account or service

I received an offer in the mail from Wells Fargo Bank offering a {$300.00} bonus for opening a new checking account and making deposits totaling {$500.00} in the first 60 days. On XXXX XXXX, 2016, I spoke with XXXX XXXX, Small Business Specialist II at Wells Fargo to begin the process of opening the account, told him I wanted to open an account eligible for this offer, and provided him with the offer code on the offer I got in the mail. In that phone call ( which I have a recording of ), XXXX XXXX confirmed the type of account I opened was eligible for the {$300.00} bonus offer. That day, XXXX XXXX sent me some forms I needed to fill out, and after sending him the forms back, on XXXX XXXX, 2016 I again spoke with XXXX XXXX and we completed the process of opening the new account, and XXXX XXXX provided me with the account number for the new account and told me to make my initial deposit. On XXXX XXXX, 2016, I also dropped off a deposit for this new account in the amount of {$550.00} at a night deposit box at Wells Fargo. 

However, despite the fact that I complied with the terms of the offer Wells Fargo mailed me, Wells Fargo refused to honor the offer for the {$300.00} bonus and proceeded to close the account and reject my deposit. I have repeatedly contacted Wells Fargo requesting they honor the offer, and to-date they have refused to do so. I have attached a copy of the offer I got in the mail, a copy of the deposit slip and check from my XXXX XXXX, 2016 deposit, and Wells Fargo 's XXXX XXXX, 2016 letter to me where they return the {$550.00} check that I deposited on XXXX XXXX, 2016, confirming they received the deposit. I also attached a recording of the XXXX XXXX, 2016 phone call, where XXXX XXXX confirmed that this account was eligible for the {$300.00} bonus offer ( beginning at XXXX of the recording ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX  IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Credit card

I Purchased back massager machines from " XXXX XXXX '' and the charge went to my Capital One XXXX. XXXX is defective. Contacted company stating machine is defective and I wanted to return it. The company stated they would not accept the return and instead wants to repair the machine. Company provided proof of delivery to Capital One and Capital One closed my dispute. 

See VISA rules print out from " XXXX XXXX XXXX for XXXX '' printed by XXXX. Reason code # XXXX states for a defective item a merchant is not allowed to assert return policy or warranty policy and must accept the return. 

I have a valid chargeback and Capital One wrongly closed my case in violation of my chargeback rights and VISA rules. 

I have attempted to return the item and the merchant has refused the return. 

Merchant response only states they will offer warranty service. VISA rules do not allow a merchant to avoid a chargeback by offering warranty repairs.
Product: Bank account or service

Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. 

Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. 

As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take " up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Address and Account Information on Credit Report Dear CFPB Representative, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681e Compliance Procedures. Experian has inaccurately reported a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX associated with the name XXXX XXXX on my credit report. This is not my legal name, and I have never resided at or documented this address. This incorrect information remains on my credit report, despite my repeated requests to Experian for its removal. 

I have attempted on multiple occasions to have this XXXX XXXX address removed from my credit report. However, Experian refuses to delete it, citing that it is linked to XXXX accounts under the incorrect name XXXX XXXX. The presence of this unauthorized name and address on my credit report violates the FCRAs mandate for accurate information and adherence to 15 U.S.C. 1681es Compliance Procedures for consumer report accuracy. Additionally, Experians actions may contravene other consumer protection laws as they continue to furnish and endorse inaccurate information. 

The continued presence of this address and the accounts associated with it constitutes not only an error but also Experians legal responsibility for furnishing information that has been proven to be inaccurate. I request the immediate removal of both the erroneous XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and any accounts linked to the incorrect name XXXX XXXX from my credit report. Should Experian fail to act promptly, I will have no choice but to pursue legal action to seek damages and ensure full compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have XXXX vehicle accounts with ALLY, XXXX on a XXXX XXXX XXXX and XXXX on a XXXX XXXX - XXXX where I receive bills on both including in XXXX envelope on a monthly basis. In the past I would send on XXXX cashier 's check or money with the sum combined into XXXX to make payments on both vehicles. This frequently resulted in ALLY 's staff placing the total payment on XXXX vehicle 's account ; then making it appear as if I was not making a payment on both vehicles. To " try '' to resolve this issue I then started sending XXXX separate cashiers ' checks or money orders, XXXX for each vehicle, when making my payments. This apparently has not resolved the issue as the aforementioned mistake as it occurred again as recent as XX/XX/XXXX and again for last month payment ; and resulting in a mistake for this months payment where I have been sent a bill stating I owe XXXX payments on my XXXX XXXX ( Acct # : XXXX ) in addition to a late charge fee and I owe XXXX on my XXXX XXXX XXXX ( Acct # : XXXX ). I called ALLY 's Customer Service telephone number ( XXXX ) only to be provided erroneous information which is the reason I am contacting the CFPB for assistance as I view this as fraud on the part of ALLY. Note, that I have proof of all of the transactions, to include : copies of ALLY 's bills and copies of the cashier 's checks/money orders.
Product: Checking or savings account

I opened an online savings account on XXXX XXXX XXXX  and deposited XXXX $ on the same day. But on XXXX XXXX XXXX, I could not log in to my account by phone, they said Weve temporarily locked your account. Please call us to have it unlocked. 
So I immediately called them on XXXX XXXX XXXX, the agency said she could not reopened it and will send the check of XXXXXXXX XXXX in the next two weeks to my mail. But I didnt see anything and tried to call back on XXXX XX/XX/XXXX, the other agency said he doesnt know when they will transfer back my money and told me just to wait. Im so worry about the money because I just got XXXXXXXX XXXX XXXX no job and really need that money. But can not contact them to know how long they will send my money back.
Product: Bank account or service

I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - In XXXX of 2016 I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.