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

On XX/XX/2018, Paypal sent me a notification requesting that I gave proper tracking information for some sells that I had made. Until, receiving the information that was needed, I was told that my funds would be held per their buyers protection policy. After submitting the required documentation, I received an email on XX/XX/2018 stating that their investigation was complete and that my funds were no longer on hold and that I had full access to the funds, this is apart of their Sellers Protection Policy. 

During these days, they also decided to close my account after accusing me of doing credit repair services in which on several occasions, I advised them that. After given them proper documentation, in which I was told was satisfying, I received an email stating that my account was fully restored. However, my account wasnt fully restored and I was told that they would be holding my funds for 180 days just in case of possible chargebacks and etc. When in fact, that is against their Sellers Protection Policy What are the requirements for Seller Protection? 
Initial Requirements Ship to the address on the Transaction Details page. If the item was sold through your site, make sure youre shipping the item to a confirmed address. 
The item sold must be a physical, tangible item that can be shipped. This means intangible items such as digital goods and services arent covered. 
If we request documentation or other relevant information, we ask that you respond promptly ( typically within ten business days ). 
Your permanent address ( listed in your PayPal account ) must be in the United States. 
Additional Requirements For Item Not Received cases : The payment must be marked eligible or partially eligible on the Transaction Details page. 
You must provide online tracking to be eligible for protection. 
For Unauthorized Payment cases : The payment must be marked eligible on the Transaction Details page. 
You must provide Proof of Delivery or Proof of Shipment as described below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXX Funding LLC** ( Account Number : XXXX ) and *XXXX XXXX  ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX ( Account Number : XXXX ) and **Fingerhut/WebBank** ( Account Number : XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account XXXX : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

XXXX. XXXXDate Inconsistencies** : - The " Date Opened '' and " Date Updated '' for the *XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXX Funding LLC** ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from XXXX, Equifax, and XXXX - Any additional documentation from the original creditors, if applicable. 

XXXX XXXX XXXX Action Requested : XXXX. Investigate the discrepancies outlined above. 
XXXX. Correct any inaccurate or incomplete information. 
XXXX. Provide me with an updated and accurate copy of my credit report. 
XXXX. Notify any creditors or third parties that received inaccurate information within the last XXXX months of these corrections. 

I expect a response within the XXXX timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, \ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my credit card in full as per the due date on my credit card app. The total amount was {$870.00} ( see highlighted in the attachment ) I assumed it had been paid on time. However, on XX/XX/XXXX the credit card company charged me a late fee of {$15.00} and an interest charge of {$14.00} on XX/XX/XXXX. I promptly called the credit card company and asked them why they were adding these charges to my account and they stated it was because I paid an hour later than the due time. Note that I paid my balance in full on XX/XX/XXXX which, according to a universal definition of time is XXXX XXXX  on XX/XX/XXXX. However, the credit card company states that it should be by XXXX XXXX however this is not listed on the due date in the payment app and therefore it is misleading. I was having internet connectivity issues which is why I paid on XX/XX/XXXX around XXXX XXXX which I assumed was on time because it was not midnight. I have been with the same credit card company since 2011 and always paid on time. 

I explained the situation to the customer service agent at capital one, and she understood and gave me credit for both the late fee and the finance charge on XX/XX/XXXX ( see highlights in the attachment ). 

The issue was resolved and over with and I expected no further action. 

However, on XX/XX/XXXX capital one placed an interest charge of {$10.00} on my account even though I paid my balance in full on XX/XX/XXXX. When I called and asked why they stated that it was because of the late payment in XXXX. This makes no sense because the XXXX issue had been resolved and done with. 

Capital one is trying to place unnecessary charges on my account. I tried to speak with the supervisor at capital one but they are refusing to take off the charges. I have been a long-standing and sincere cardholder at the capital one who always pays in full on time. I would like this resolved by taking off the false charges from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency Experian, XXXX XXXX, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.
Product: Credit card or prepaid card

Wells Fargo had a credit card offer in XXXX with 3 % balance transfer fees with 0 interest. I emailed, then called to ask if they could match my XXXX limit of {$20000.00}. I told them I was only interested in an account if I got the same credit limit so I could make a substancial balance transfer. They told me on the phone I had to complete their application and they would answer me by mail. A week later they send me a card with a {$2500.00} limit. I called that day and told them I did not open the account, I only made an inquirey. I cut up the card and told them to void the account. They not only kept the account open but made a payment to my XXXX account without my permission and are billing me with fees. I've called, I've written to them. The bills keep coming and now this bogus account is on my credit report as late. In 19 years of credit history I have NEVER been late on a payment. Wells Fargo continues to open fraudulent accounts. Pease help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XXXX and somehow XXXX is reporting late payments from XXXX XXXX XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Product: Mortgage

I opened a Mortgage loan with National City XXXX in XXXX. National City sold the loan to PNC Mortgage. 
After becoming XXXX in XXXX in XXXX, I went through a nasty divorce and was forced to declare bankruptcy. The PNC loan was discharged in my bankruptcy. 
According to PNC records, PNC then sold the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.after the XXXX bankruptcy discharge. XXXX has been reporting a balance on the loan falsely which I was recently able to reverse. 
PNC is still listing ownership of the loan on my XXXX credit report. 
This means that my credit report has been wrongly reported as having XXXX separate mortgages. XXXX for XXXX and XXXX for PNC.when infact there was only XXXX. 
I disputed the reports with all XXXX credit beaureaus. XXXX still reports XXXX mortgages. 
I have contacted : XXXX PNC Mortgage to request the removal of the inaccurate report to all credit agencies, since this error has caused me to suffer unfairly. Pnc each time told XXXX that the information was correct even though thier own records show that they no longer have ownership if the mortgage.
Product: Mortgage

Our mortgage company is not working with us on trying to get a resolution on our past due amount owed. They are not workign with us and will not let us know what we can do to save outr home. I am trying to get something since I was laid off back in XXXX. I am working now but no one will call me or work with me on a resolution No matter what I try to work out or file for I am always told by SPS that we do not qualify.
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 {$16000.00}, {$16000.00}. 
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. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Checking or savings account

I called to get my statements from 3 banks and they gave me the run around with verification and my SSN as I don't have bank account numbers, and then refused to produce these without visiting a branch and they called the police to escort me out since they messed with my account. The XXXX program for SSI recipients was also implemented only partially and they made me find my own bank instead of issuing a reason for the partial implementing.
Product: Debt collection

I was contacted last year around XXXX by Credence Resource Management, I was told I owed them a balance of {$490.00}. I quickly realized I have never had an account with this company and asked them to verify the debt and send over a wet-ink signature of the contract I signed. I did not get this however I did get it reported on my credit file and it has an open account date of XX/XX/2022. I believe this is when they bought the debt and came after me to pay a debt that was already paid off.
Product: Credit reporting or other personal consumer reports

my information has been breached and identity has been stolen
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I tried multiple times to get my credit report from Experian. The site gives an error without explaining the specifics and reasons. After I uploaded my personal documents, SSN card and Bank Statement through the site, my personal account is still inaccessible. The company does not provide any explanation for the reasons for the accounts inaccessibility and does not try to make it easier for me to access information. The company 's telephone line does not provide the necessary information, is absolutely uninformative and useless. After entering the request I need, the connection is interrupted. I can not receive my credit report for flimsy reasons, allegedly related to security, while I have provided all the necessary documents. Banks, when refusing to service me, refer to data from Experian. 
I believe that due to Experian 's irresponsible and negligent attitude towards the duty to provide information, it is actually difficult for me to access the exercise of my legal right to a free credit report. I ask you not to accept the companys references to the need to protect my personal data, since they have not created the necessary and sufficient conditions for me to confirm my identity. This is a formal justification and a way to avoid responsibility for non-compliance with the law.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission to the CFPB on XX/XX/year> ( case number XXXX ) and on XX/XX/year> ( case number XXXX ), Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Western Union and it's affiliate in XXXX are operating a criminal enterprise. I have been sending US currency to a loved one in XXXX and these agencies have coerced an elderly woman that's a part time employee to sign bogus documents which her to except XXXX ( XXXX currency ) that is worth far less than the US dollars. 

Afterwards, these agencies split the balance of my money without returning it right away. These agencies are taking advantage of an elderly couple who are making an effort to help each other. Please contact XXXX XXXX XXXX. XXXX by email at XXXX and area code ( XXXX ) XXXX-XXXX. 

WESTERN UNION TRANSACTION RECORD I sent money on the following dates : XX/XX/XXXX ( sent {$250.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$100.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$80.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$40.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$100.00} ) Transaction Number ( XXXX ) Total Amount : ( {$580.00} ) ***************************************** WESTERN UNION CASE NUMBERS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 reporting discrepancies, my facial institution failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX