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

On XX/XX/XXXX, I discussed with a PayPal representative about connecting our two PayPal business accounts. I told her I wanted to set up a 1-way automatic payment from the newer PayPal account to our primary PayPal balance, to which she said she would look into it and make that connection.
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Instead, and without our expressed permission, On XX/XX/XXXX PayPal automatically transferred the entire balance of our primary PayPal business account into a XXXX XXXX XXXX bank account that neither the business or its owners have access to. The PayPal staff member incorrectly, and I believe illegally, established a recurring daily transfer of the total PayPal account balance to that same XXXX XXXX XXXX account to which we did not give them permission.
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On XX/XX/XXXX I called and told them to turn off this " auto sweep '' function so no more funds would be withdrawn. The employee said he turned it off and we would n't have any issues. I also escalated the issue to a supervisor ( XXXX ) and asked to be reimbursed the funds that they unlawfully took out of our account. He told me that he would contact me no later than XX/XX/XXXX with a resolution, and I have yet to receive a response.
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Today, XX/XX/XXXX, a second " auto sweep '' payment left our primary PayPal account, but this time it went to a connected bank account that the business does control. Again, we did not give them permission to make any automatic deposits, we did not give them permission to send them to the bank account the funds were deposited into, and they said they cancelled the " auto sweep '' function two days before, so this should not have happened.
Product: Credit reporting 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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XX/XX/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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$370.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$320.00} ( Original Creditor : ) XXXX XX/XX/XXXX {$2700.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In my recent credit report from Experian, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with Experian, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, Experian failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ).

Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Debt collection

This account to XXXX  telephone or XXXX  is not mine. I have made Multiples steps with transunion or XXXX  and do not want to remove it from the credit. When the account does not recognize it. 

THE ACCOUNT IS XXXX  TELEPHONE XXXX
Product: Debt collection

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery is reporting this false information on my consumer report without verifying it first which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number. Additionally, I demand that they answer my dispute line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the  Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that XXXX XXXX and Experian continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Product: Debt collection

Law Offices MBA is continuing to report a collection account to my consumer credit file. If Law Offices MBA has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Law Offices MBA is attempting to collect. MBA has no legal right to attempt to collect a debt. MBA has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Product: Consumer Loan

They keep calling me and upsetting me about payment on our car loan but they are not sending any statements out so we can pay them my lawyer told me that they are suppose to do that and they are not to charge us any late fees if they are no send any statements to pay them. we both have been sick and have not been able to work yet but we are XXXX and have rights like everyone else has to have respect from other people and they must not go to church to learn how to treat people. Can you please help I have had to block them off of my cell phone and disconnect my phone just because of them idiots. My lawyer said they are not to have any contact with me until they send me the right stuff to pay a payment and to erase all the days that it is late. they are to work with us on this I thought since we were XXXX XXXX years of age they would have more compassion and understanding and help us out my lawyer said if they keep doing what they are doing he will sign a court order to make them say that the car is paid in full and quit upsetting me and making me sick. we have had other bills and medical expenses come due so we had to cut something out and still so far behind but hopefully we will get caught up.
Product: Bank account or service

Regarding a Closed US Bank Checking. 
I am filling a complaint against US Bank. 
This is an in response to US Bank placing what they think is amount owed on an overdrawn checking account in Collections with XXXX XXXX XXXX. The current amount placed in collections is {$700.00}. 
The majority if not all of the what US Bank claims is the overdraft amount was caused by OVERDRAFT FEES. What has happened is that on one day the US Bank online site that I can access shows that I have a positive balance with my direct deposit being credited to my account that day. Then I would pay bills and get cash at an ATM. One time I Withdrew Cash from an US Bank location in XXXX, WI. I was given the cash by the drive thru teller. This was a Saturday and then on Monday the deposit date changed to that Monday and I was charged an Over Draft Fee of {$36.00} for that. This scenario has happened numerous times. The Bank Manager ( XXXX XXXX ) at the US Bank XXXX office stated that the teller should not have given me the cash. I am fairly certain that the teller also had seen that my account had a deposit that was credited to my account and then gave me the cash withdrawal. 
I am including a Screen Shot of what I saw on the Saturday morning on US Bank 's online site. 
I am also including the same Screen Shot with notes on it in red that shows the overdraft fees that were charged while my account was positive. This is the only screen shot I have but this scenario has happened multiple times which is the reason my account became negative {$700.00}. In fact fees were charged twice on checks that were returned NSF and then re-submitted. 
If that money is not available it should not say that it is available. Why should I be charged these fees due to US Bank 's faulty website? 
I am demanding that the {$700.00} that was placed in collections be zeroed out and be removed from collections. If anything US Bank owes me money for the fees that vendors charged my on returned checks that should not have been returned.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because accounts ( XXXX XXXX  Account # XXXX and XXXX XXXX  Account # XXXX ) are being reported on my credit file without my permission or written consent, which directly violates my rights under the FCRA. TransUnion failed to comply with federal law, and their actions are negatively impacting my creditworthiness, causing me financial and emotional distress. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for these accounts to be reported, meaning they are appearing on my credit file unlawfully. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of these unauthorized accounts is a direct violation of this provision. I have already disputed these accounts with all three major credit bureaus XXXX, XXXX, and TransUnion. While XXXX and XXXX have deleted the accounts from my report, TransUnion continues to report them despite my disputes and the fact that the other bureaus have already removed them. TransUnion 's clear failure to conduct a proper reinvestigation, as required under 15 U.S.C. 1681i ( a ). The inconsistency between the bureaus further demonstrates that TransUnion is failing to ensure the accuracy and fairness of my credit report, which is a violation of my rights. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial stress. Despite multiple attempts to resolve this issue directly with TransUnion, they continue to report the accounts without justification, failing their duty to provide a fair and accurate consumer credit file.
Product: Prepaid card

Cashapp is the absolute WORST company! Theyre all frauds and have absolutely no interest in helping the customer. I filed a dispute and of course they did nothing at all to help me and then turned around and closed my debit card. After sitting on the phone 40 minutes and their agent trying to tell me it was because of unusual activity to a merchant I purchase from almost every day for the exact same order so after I explained that was a lie, I was then told the issue was resolved and the card is open and ready for use. Well once again that was a lie because it declined again so another long hold with customer service I was then told I can not use my debit card because it was closed and her answer to why was she didnt know? This is a scam company and they dont even care to have knowledgeable employees. Im going up to the top with this, to social media as well as an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights under the FCRA. 1681e ( a ) ( b ) - Accuracy of Report XXXX violated 15usc1681section 602A states i have the right to privacy and 15 U.S. Code 1681b ( a ) ( 2 ) I disputed this with Equifax on XX/XX/22 and they verified this as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX XXXX and Equifax had all been told to contact me and did not.
Product: Checking or savings account

I submitted a rent payment in the amount of XXXX via XXXX website and via my Wells Fargo direct checking account om XX/XX/year> which is a Thursday. I was under a 7 day eviction notice that would go into the effect on Tuesday XXXX if I didn't pay. 
Clearly I had the money to cover the transaction. Friday comes money is not taken out of the account, Saturday comes money is not taken out of the account. I am a XXXX XXXX  and I keep depositing money into my account daily, I work nights. Monday morning I see the check from XXXX post and the balance reflects the withdrawal. I did a happy dance, said thank you XXXX everything is great. ( I didn't take the screenshot ) Tuesday the XXXX I log in and the money is back in my account. I receive an email from Wells Fargo stating that they sent the check back because my account reached XXXX dollars and I had the money in the account the whole time. Now I have to pay my rent again with a XXXX $ fee from XXXX for the returned check. The amount of stress this has caused is unsurmountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXXXXXX I am writing to dispute an incorrect credit card on my XXXX  credit report. 
There is one credit card with late payment from XXXX XXXX  XXXX on my credit report. The account number is XXXX with late payment of {$450.00}. I have contacted XXXX XXXX XXXXXXXX and they confirm this account is not mine. The owner of this credit card has the same name with me, but the birthday and SSN is different. I have tried to dispute with Experian 3 times and they weren't able to remove it from my credit report and has caused many problems for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I realized there were several inquiries that I did not recognize/authorize. Some of those were from unknown sources and some from motor corporations and dealer services. I did not make those inquiries and did not even know about most of them.
Product: Student loan

The loan was from my previous marriage in which we divorced in XX/XX/XXXX. When we were married our loans were consolidated to a marital spousal consolidation loan, which now we know that this is a terrible loan, therefore it is no longer offered. In the divorce I agreed to pay the remainder of the loans which were mainly mine from XXXX in XXXX Texas, it is listed in our divorce decree. My ex husband is the person listed on the loan and I get constant calls for him regarding these loans, in which they are paid on a regular basis. I just found out by calling back Higher Ed, a loan company who has been harassing me for 3 weeks, calling me 2 times a week ( asking for my exhusband ), just told me that they just bought my loan from XXXX XX/XX/XXXX. I never received any documentation of this sell. This loan is extremely unethical and the fact that no one will refinance it because its a XXXX loan, and the fact that its keeps getting sold to other lenders, in which it gets to keep its title as a martial spousal consolidated loan, once again leaving me no way out. I have now been married to my new NON ABUSIVE husband for the past 9 years and I refuse to contact my ex husband who was abusive to me and my son ( who is now XXXX XXXX XXXX, whom I won custody of because of abuse ) to ask his permission or get his signature to refinance or verbal okay to put in forbearance. As a VICTIM where are my rights and am I still dealing with this after 14 years??? I became aXX/XX/XXXX( not an English teacher, so please don't be hateful ) after I graduated with this loan, when is enough, enough? So far, there has been no help or hope, therefore my next step will be finding a good lawyer. Not only did HESCloans buy this unethical loan, they have now more than doubled my payment from XXXX XXXX XXXX to now two different payments of XXXX and XXXX ... .this is unbelievable
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and seen some inaccurate information on there
Product: Debt collection

Debt showed up in my credit report. Does not belong to me. 

I.C. SYSTEM INC. 
Account number XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding llc # XXXX its refusing to correct their error in my credit because never open any account with then never inquired for a credit! I ask them to probe me when or what happen with this credit card they refused to show probes!! I indicated to then that on 2013 all my documents was stolen and I gave then h police report number!! But they refused to fix the problem!! I NEVER REQUEST OR APPLY for any credit card!! I ask them prove where I used that money or that credit unable to provide any accrue information. Every time that I call to this company ant try to deal they since like they dont care the situation.
Product: Vehicle loan or lease

I discovered this morning that my credit score decreased by 45 points so I started investigating what happened. TD Auto Finance, with whom I have two auto loans, apparently reported that I missed a payment on one of them. Since I pay by auto draft for both loans, I reviewed my bank account for the past few months and confirmed that all payments had been made. So I called TD Auto Finance and found out that the missed payment happened in XXXX on my XXXX car, and that I have been charged a {$21.00} late fee every month since and now owe {$680.00} in late fees. I have never received a statement for either vehicle in the mail on in an email. In XX/XX/XXXX, I missed a payment on my other vehicle, a XXXX car, and TD Auto called me and I immediately paid it with a debit card over the phone plus the late fee. I had no idea that I had missed a payment in XXXX on the XXXX vehicle since I never received any statements or any sort of notice of the missed payment. Yet they continued to charge each month for the late fee. Then they didn't report the missed payment to credit reporting agencies until 2 and 1/2 years after the missed payment, conveniently racking up {$680.00} in fees over the years. I have talked to several representatives TD Auto Finance and they insist that they mail statements every month, but I have never received one for either vehicle. They also insist that they report missed payments to credit agencies every 30 days which obviously they don't. I asked two of the reps to speak with their superior, and they said they were transferring me but instead both hung up on me. I am in the process of trying to secure XXXX funding for business expansion but was denied the loan I was originally offered because my credit score dropped so much while the loan was in underwriting.
Product: Debt collection

After carefully reviewing my latest credit report, I found multiple accounts that seem incorrect and were added without my consent.
Product: Debt collection

I had paid the debt in full that I owed to the health care provider XXXX last year via their ebillpay system. I was surprised when I got a call from the collection agency this year. After their call I faxed them the proof of payment to the collection agency. 

Recently, I received another letter asking for the same payment which did n't include my payment in the transaction history that was provided to me. 

I am being harassed by these letters and the collection agency is not doing it 's due diligence to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX