23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

7 months ago, the cosigner of an apartment I resided in received a call claiming {$610.00} is owed due to " destruction of carpet '' to Rent Recovery Solutions. During the walk thru of the apartment with XXXX XXXX, the condition of the carpet was never mentioned. Unfortunately, having this been my first apartment, I was unaware that I needed to sign off on the walk thru. Never was I notified by the complex that this was owed and after receiving the call the complex claimed to no longer have my files. From the collection agency I received the walk thru letter, without my signature, showing the amount that cost to replace the carpet. The agency is unwilling to send me anything in writing stating that I owe this debit to them or that once the amount is paid in full, the case is closed. I am unwilling to pay them without the validation of this debt as stated in the Fair Debt Collection Act. I would like to take care of this as soon as possible since it has already gone on for 7 months. The XXXX XXXX hot line lead me to your sight. I am going to send a certified letter to the agency stating that I have filed this complaint and that they refused to abide by my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second request, and the answer to experians and XXXX   request is, I XXXX XXXX did send this and the prior report. I m a victim of identity theft, please review the information that i sent you before an now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank/XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

Our company needs assistance from PayPal regarding their policies and transaction fees and, after numerous attempts to contact the company and resolve these issues directly, we are requesting the assistance of the CFPB as no other options remain. In the subsequent 3 paragraphs, I will describe the issues we need assistance. 

1. What can a merchant do in an instance where a customer, immediately after paying for a PayPal invoice, changes their mind and wants a refund? The logical and easy solution would be to simply issue a full refund but, due to PayPal 's policies of not returning transaction fees, this can't be done. Someone has to lose out on those transaction fees and, especially for a company with larger orders, this is financially significant. Either we have to lose hundreds of dollars for a transaction which may have only been active for a few minutes or we have to give the customer a discounted refund which inevitably leads to problems and disputes. 

2. Adjacent to the problem described in paragraph 1 is the issue where a merchant 's client pays for an invoice through PayPal but wants the products they ordered delivered do an address which is different from the address they put on the invoice. In this situation, if the merchant delivers to the address which was put on the invoice, but which the customer now does not want to deliver, the customer is upset. However, if the merchant delivers to an address which is not on the invoice, the merchant sets themself up to automatically lose in the case of a dispute. Again, if the merchant wants to issue a refund so that the invoice can be done again with the correct delivery address, someone ( the merchant or the customer ) automatically needs to lose out on transaction fees because PayPal doesn't refund transaction fees. Finally, addresses on invoices, per PayPal 's policies, can't be changed after the fact and our company has not been given to clear ( or any ) solutions as to how to handle these situations. 

3. Is there a way, like with some other payment processors to authorize but not capture a PayPal payment? This way an order and payment could be completed sorted out and confirmed before the capture ( and therefore transaction fees ) would take place. Alternatively, if not, can we have our account configured to return transaction fees so that we are not losing money on transactions which need to be cancelled right away? Similarly, what would happen in a case where someone accidentally sends a payment to a merchant? Someone has to automatically lose transaction fees? 

Please assist us in getting competent guidance for these issues.
Product: Checking or savings account

I am the custodian for two XXXX  accounts through US Bank. I attempted to disperse funds to the minors, but US Bank will not allow me to set up an external transfer to the mother of the children because my account was given a " yellow '' rating out of fraud concern. So, US Bank was concerned about fraud with my account and made no attempt to contact me, and now they are saying it could take 3-4 business days to resolve. The cynic in me thinks that US Bank wants to make the external transfers of its customers difficult and slow to artificially buffer its ledger. But who knows what the truth is? All I know is that I don't feel well served by US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Consumer XXXX CO Account name : Consumer XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : Dept of XXXX XXXX 15 U.S.C 1681 section 602 A. States U 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: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX.also, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by ALLY SERVICING LLC pattern of making fraudulent claims against a victim of trafficking. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of XXXX, XXXX XXXX XXXX ( XXXX & XXXX ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EXPERIAN CREDIT BUREAU THE ACCURACY OF THE PUBLIC RECORDS ON MY CREDIT REPORT. 
I REQUESTED THAT THEY DISPUTE THE VERIFICATION OF ACCOUNT, ADDRESS, PHONE, LAWYERS NAME AND THE DETAILED METHOD OF INVESTIGATION AND A COPY OF THE BANKRUPTCY DOCUMENTS. 
THE NEVER SENT THE REQUEST AFTER XXXX DISPUTES. ON XXXX XXXX IT WAS OVER 30 DAYS SO THEY DELETED THE XXXX PUBLIC RECORDS, WHICH WAS BANKRUPTCY XXXX. THE XXXX THE PUBLIC RECORDS ON XXXX/XXXX/XXXX AND DID NOT PROVIDE A REINSERTION NOTICE WHICH IS REQUIRED BY THE FCRA NOR DID THEY VERIFIED THE DISPUTED IN ANY OF THE XXXX RECORDED DISPUTES. THE FCRA SAYS IF THE ITEMS ARE NOT VERIFIED WITHIN 30 DAYS, THEY MUST BE DELETED. THERE IS ALSO WILLFUL NEGLIGENCE FOR PURPOSELY NOT PROVIDING THE DOCUMENTS REQUESTED
Product: Money transfer, virtual currency, or money service

This problem is a consequence of Coinbase locking my account for 7 months beginning on XX/XX/2022 while they dragged me through an exhaustive investigation which proved that there had been no need for an investigation. They only unlocked it in XXXX after I filed Complaint XXXX with you. Suddenly, apparently, I was no longer under suspicion. My account contained XXXX of XXXX  XXXX. This past XXXX, while my account was still locked, XXXX did a conversion from XXXX to XXXX. Coinbase announced that it would not participate in the conversion, and instructed clients to withdraw their XXXX to a wallet in advance of the conversion date of XX/XX/XXXX. I was not allowed to withdraw my XXXX  XXXX because Coinbase still had a lock on my account. After it was unlocked in XXXX, I withdrew my XXXX  and contacted XXXX  to convert it. They said it was too late and that, on the conversion date, they sent enough XXXX  XXXX to Coinbase to convert all shares of XXXX  XXXX that were still located in Coinbase accounts. So I redeposited my XXXX  into my Coinbase account and contacted Coinbase several times trying to resolve this. As of XX/XX/XXXX, my XXXX  were worth {$4200.00}. I requested Coinbase to convert my XXXX to XXXX, or to deposit {$4200.00} into my Coinbase account " since this entire snafu was caused by your locking my account and keeping it locked for seven months despite my sending you extensive financial information throughout that period. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX 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: Debt collection

I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.
Product: Credit card or prepaid card

My utility company, XXXX XXXX issued a return of payment/ refund in the amount of {$1000.00} on XX/XX/2022 and Chime has yet to post the credit to my account. The credit was not posted still after a three way conference call with the vendor, who submitted electronic proof of the refund.
Product: Credit reporting or other personal consumer reports

I've been challenging these false and fraudulent accounts, thus I'm asking for this account to be deleted.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found. XXXX  XX/XX/XXXX {$260.00} Account # XXXX, XXXX  XX/XX/XXXX {$270.00} Account # XXXX, XXXX XXXX XX/XX/XXXX {$49.00} Account # XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX XXXX, XXXX, Sage Stream. Please remvoe the following addresses : 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: Mortgage

On XX/XX/2018 I applied for a conventional mortgage loan with Quicken Loans. After discussing a few mortgage options with one of their Mortgage Bankers, I plainly stated I wanted a loan estimate on a 30 year conventional loan. I've now requested the loan estimate 3 times in writing and each time the Mortgage Banker has replied with a request to talk over the phone. His written reply to my third request is : " Yes I know what the loan estimate is. I have a big discount in your loan and to send the loan estimate we have to fully approve the discount. In order for my director to approve that, we need to know that you guys are willing to move forward. '' This process seems backwards to me and somewhat predatory. Why would I commit to a mortgage without first reviewing all the details of that mortgage.
Product: Debt collection

CFPB filed a lawsuit against the company and the agreement includes partial compensation and a release from lease. I had already filed a complaint for this company in the past. The complaint number is # XXXX. The reporting agency is now stating that I had this agreement through them. And not XXXX  XXXX. And is refusing to remove from my credit report/file
Product: Credit reporting or other personal consumer reports

I took a look at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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: Credit reporting, credit repair services, or other personal consumer reports

I was able to get my credit report from both XXXX and XXXX. What I saw was that there was an incorrect address and phone number from both that I was able to dispute online. The experience for both was great. Equifax was an entirely different experience. I tried to create an online dispute with Equifax due to the incorrect address and phone number I saw on the other credit reports. I was unable to do so and told to call in. I tried to call. Their voice response unit ( VRU ) seemed unnecessarily complex and intended to get consumers to give up. I authenticated and was the told they were closed and they hung up on me. I then tried to request my credit report online through Equifax. I again authenticated. I was then told my credit report could not be shared online. Equifax has gone out of their way to prevent me from seeing what information they have on me. It has been my experience they are intentionally preventing me from seeing my credit report. I am sure they will say that I could fill out a paper form and send it in, but that defeats the purpose of authenticating online. For whatever reason, the experience with Equifax is significantly worse than the other bureaus. I wish I could prevent them from having any information about me. Its not fair to me that I have no choice in Equifax collecting information about me and then being unwilling to share my information with me. I have no issue with the other two credit bureaus. Equifax appears to be intentionally preventing me from seeing what information theyve collected on me.

I wish the United States government gave me the ability to control who had access to my information. I would prevent companies from being able to share any of my personal information with Equifax. I had never  thought about this before, but its a shame I have no control over my own information. Why a publicly traded company has access to all my financial data is beyond me. Based on their past security issues, and that they appear to be going out of their way to hide what information about me they have, I feel helpless.
Product: Credit card or prepaid card

I was charged for a service that I didn't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a card on my account with a XXXX limit that I never opened. There is currently ( XX/XX/XXXX ) a balance of XXXX and my XXXX XXXX report states that it has decreased by XXXX recently. 

I had ( XX/XX/XXXX ) called the bank and asked to close the account and they said they could not find anything in either my name or social security. Though I continued to submit a dispute. 

The credit card was opened in XX/XX/XXXX. 

I submitted another dispute today and it said my old one was completed. Though the account remains on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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  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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.