23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, a full payment was made to my Paypal credit in the amount of {$3400.00} from my XXXX checking account. My paypal typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the XXXX website. The money was pulled out of my account but not paid towards the balance owed to my Paypal. I called Paypal and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my XXXX account, but the balance was not paid on paypals end. I then called XXXX, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through Paypal with no conclusion. I've submitted all the documentation they requested, I've submitted countless claims. They deny my claim over and over. During the " claim time frame '', Paypal removeds the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. Not to mention I'm still making the minimum payments on this {$3400.00} to paypal so I dont ' get derogatory marks on my credit as well!! 
I essentially had to give up with Paypal since I was getting nowhere and called XXXX for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021 LexisNexis received my letter, asking for their method of verification concerning the bankruptcy they reported to the credit bureaus on my credit reports, I sent them by way of priority mail that I have a tracking number for, that shows they received it on XX/XX/2021. When I called LexisNexis last Tuesday XX/XX/2021 to see what the status was on the letter I sent them, they said they could not find it and they gave me an email address to mail them my request again. However, LexisNexis still has not bothered to let me know that they received my email and they will be responding soon or whatever. So let 's try this again, In this letter I need LexisNexis to give me the method of verification for the bankruptcy they reported to all the Credit Bureaus, I need LexisNexis to tell me how they obtained the bankruptcy information they reported to the Credit Bureaus in accordance with the FCRA that states a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. 

When you are finished with your investigation please mail my results to the address below, a copy of my Drivers license and Social Security card is attached for identification proof. Since you all lost my first letter that I have a tracking number for, that you all received on XX/XX/2021, I need this sent to me asap! 

Also, be advised that me and my husband XXXX XXXX share this CFPB Account, so please don't think that this is some third party! You have a copy of my ID and Social Security Card. 

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

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX  the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on my credit report : XXXX  - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX - XXXX, XXXX 2020. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXXXXXX XXXX XXXXXXXX HAS INFOMATION ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO REMOVE AND DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive ; as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I requested a transfer of funds from XXXX XXXX to Wells Fargo in an amount of {$1500.00} dollars for living expenses. One business day later I called Wells Fargo to cancel their receipt of funds due to a miscalculation. I spoke with XXXX to return the funds back to my account in an amount of {$1500.00} dollars. XXXX refuses to do stating that the they never received the funds. I called Wells Fargo 5 times today to complain about the funds not being received. I was told that they are not able to return the transaction since it never came to them. I spoken with banks for total of 10 times to no avail. I need assistance as it seems that my funds has suddenly disappeared and neither side wants to take responsibility. Can someone call me at XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

My student loans were forgiven XX/XX/23. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my XXXX accounts paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be honest i don't know what happen the finance service appeared on my credit report and I've never financed a car through them they appeared on my credit in XX/XX/2019 car financial services i tried disputing it but it came back that it was correct but its not i haven't financed a car in about 10 years and this company wasn't the company i went through and the car is paid off so i meed this removed off of my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen and have been used to open fraudulent accounts and make fraudulent transactions in my name. I filed a police report after the theft and have attached a copy to this complaint. 

I ordered my Certegy report and found the following information that does not belong to me : Outstanding Items : Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$75.00} Check Number : XXXX Date : XX/XX/2015 Merchant Location : XXXX XXXX   Amount : {$5.00} Check Number : XXXX I have never done business with XXXX XXXX   and I have never been associated with either of these checks.
Product: Debt collection

I have tried to contact the company Capital Credit and Collections. I keep getting the run around. I have left several messages and no one has return my call. I have health insurance and want to know why I have the bill and why its on my credit report with no contact from the company.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -ARIVO ACCEPTANCE LLC XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through Experian, XXXX, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Product: Credit card

I see on my recent bill a {$1.00} for a Paper Statement Fee. Now this is totally ridiculous with the interest charged on the card to begin with. Another way to increase profits? I thought airlines are bad with fees. I see XXXX is jumping on the same bandwagon to increase profits with these ridiculous " Fees ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : I wish to dispute any and all association with Discover Card credit account tied to my credit score. At no time have I ever had an account with Discover Card, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history.

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with Discover Card was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a Discover  Card, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted Discover Card dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only Discover Card associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a Discover Card with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the Discover Card. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. Discover is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to Discovers refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Product: Student loan

I do n't even know where to start ... 
When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX factual data inquiry All of these are inquiries were reported to my credit without authorization!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries are in violation according to the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS TRANSUNION ACCORDING TO SEC.FILINGS IS NOW TRANSUNION INTERMEDIATE HOLDINGS, INC. A REPORTING AGENCY I DO NOT KNOW i did not consent for them to receive any information.

TRANSUNION /TRANSUNION INTERMEDIATE HOLDINGS , INC , XXXX XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION ALSO AS AN INTERNATIONALLY PROTECTED PERSON PROTECTED UNDER THE GENEVA CONVENTION 18 USC SUBSECTION 112 MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND FURTHER FEDERAL ACTION IS IN ROUTE
Product: Credit reporting

I 've disputed items on my credit report with TranUnion and XXXX, a few months ago, I have n't seen any progress on my report. I called both Credit Bureaus twice just to check on the progress and they responded with no updates. I recently called TransUnion because I noticed there were inquiry 's on my report that has nothing to do with my accounts and would like them removed NOW. A representative then told me that the inquiry 's that was n't associate with my accounts is would be removed waited XXXX weeks and nothing has changed for inquiry 's nor disputes. Going to the third month soon.