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

PayPal allows a money request that includes details right in their recent activity section of a personal or business account on their website that includes a phone number ( for reporting fraudulent activity ) that is direct number to a sophisticated scam.

The scam involves refunding the amount requested but mistakenly adding a XXXX to the amount, which shows up in the account of the person receiving the refund. 

The scammer proceeds to guilt that person into trying to return the over-refunded amount before the operator gets in trouble. Then the operator tries to convince the person receiving the refund to return the over-refunded amount through nefarious means by XXXX  machine or gift cards. I'm told this is an old scam. 

I am complaining that PayPal knows of this scam and yet has not done anything to prevent it. PayPal is supposed to be a trusted banking system. I spent hours over the period of several days trying to address this issue with PayPal. They strung me along and made promises, but didn't even call me as promised, to discuss it.

There is an article on the web that describes this scam, and many comments in various places about it. A banker I spoke with at XXXX XXXX was familiar with this scam. 

There should NOT be a direct phone number to a scammer posted within PayPal 's official website. It would be a simple thing for them to stop a direct phone number to a scammer being posted in their site. They have been aware of this problem for some time and have not attempted to correct it. I believe that makes PayPal a participant in fraudulent activity.
Product: Debt collection

I am lodging a formal complaint against Trojan professional. This debt collector has reported derogatory information on my 2 credit reports. XXXX and XXXX for a debt in the amount of {$110.00}. I have never received anything from Trojan in the mail or by phone. I never received a dunning notice which gives me 30 days to dispute validity. That's a violation of the fdcpa/fcra. In addition I have sent Trojan numerous debt validation requests,. And they ignore me. I do not owe Trojan {$110.00} and I am requesting Trojan to delete this account from my credit reports. I am in the process of purchasing my very first home for my family and I. This errounous account is holding me back. Thank you for your time!
Product: Payday loan, title loan, or personal loan

Complete information on interest rate was not disclosed until I signed for the loan.
Product: Mortgage

After speaking with lender nearly everyday and being assured that a clear to close was due that day or the next, a settlement was finally set for XX/XX/2024. Mortgage broker assured us the buyer had met all obligations and proof of funds and we were scheduled to close. On the night of XX/XX/2024 we received a denial letter from Lender stating they don't like the neighborhood/geograghy therefore the loan is now denied. This last second reversal is both iilegal ( redlining ) and unjust. This is now costing all parties thousands of dollars.
Product: Vehicle loan or lease

I was surprised to see when I looked at my report to see a late reporting for the month XX/XX/2019. I am not sure how this happened I believer I made my payment when I get my bill.MY only thought is that my statement did not get to me.
Product: Debt collection

I disputed this Jefferson capital system account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
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Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
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Jefferson capital failed to validate this account. This account need to be removed immediately. Jefferson capital system is violating the laws.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I am a natural person and this is me XXXX XXXX submitting this dispute. This dispute is not being submitted by a third party. 

( Equifax, XXXX, XXXX ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute Cornell.edu 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors Equifax have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these accounts. 

Creditor Account Number XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )
Product: Mortgage

Since XXXX of XXXX, we have been trying to get this company to release a partial lien. We have 2 acres and we are selling one of them to my husbands parents to build a house. Over the last 14 months and countless phone conversations, we have been given differing and contradictory  information with each phone call. The biggest hold up has been a document that a title company drew up for us. We will be told that particular wording needs to change on the document and after we change it, we are told that that was incorrect and the problem is something else entirely. 

This company has refused to assign one person to our case therefore forcing us to start from scratch with each phone conversation. We have been, most recently, working with their complaint department. We were told in XXXX of XXXX that this letter from the title company was finally approved and that we would be notified by mail of their decision. After 8 weeks and nothing in the mail, we called our mortgage company and we were told that our document was not correct after all and that they also could not find our appraisal ( which was completed more than 1 year ago ) and that we would need to get another one. We were essentially back at square one. 

I do understand that they are not legally obligated to release this partial lien. My concern is the inconsistency, seemingly incompetent dealings and their absolute lack of concern for our situation. We have jumped through all their hoops to no avail. 

We are currently attempting to modify this particular letter once again in an effort to fulfill their requirements.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX Opened : XX/XX/XXXX Balance : {$88.00} XXXX Opened : XX/XX/XXXX Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a vehicle from XXXX and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to XXXX and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with XXXX  to have inquiry off my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my Trans Union, XXXX and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : XXXX : XXXX
Product: Debt collection

During the XXXX year I was billed for charges I disputed. Amazon/Chase would resolve it after I complained and credit my account. 
After this occurred several times including into XXXX I decided to cancel my Amazon XXXX account/Chase Visa card. I verified in XX/XX/2023 with Chase that my account had been closed and they would not/had not sent another Visa card to my address. In XXXX, I had my XXXX contact Chase Visa with my approval to make sure they had not sent another card. They confirmed they had not. 
Imagine my surprise and horror when, XX/XX/2023, I received another bill from Chase Visa billing me for over {$400.00}. I asked them to do a fraud investigation. They said they already had and determined, " I had benefitted from those purchases. '' All were through Amazon XXXX AND I NEVER ONCE received emails validating those purchases so I never, ever knew about them until a bill showed up. 
I filed an Identity theft and fraud charge with our local Sheriff 's Dept. Because the account had been closed in XXXX, they said I needed to file with the Federal Trade Commission which led me to this site.
Product: Credit card or prepaid card

On XX/XX/21, I gave my Capital One credit card and drivers license to the bartender for a running open tab. I had two legitimate charges for {$390.00} and {$1500.00} but found out a few weeks later the bartender had also run my card for {$3000.00} and again for {$7500.00} without my knowledge. These were not my charges and need to be removed from my bill. I have been dealing with Capital One the entire summer, first being told to submit to Visa as a dispute, then as fraud, then back to dispute. When the actual signed receipt for these two disputed charges was finally submitted by the merchant, you can clearly see it is not my signature, but since the merchant included a copy of my drivers license and credit card, Visa somehow considers it them legitimate charges and refuses to remove them.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached here is the proof and they refuse to delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institutions and XXXX  failed to investigate my claim adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicated that XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assets with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY   XXXX , XXXX . I   had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting

On several occasions I have requested that " Paid Civil Judgment '' be removed as derogatory remarks from report. Docket # XXXX for {$3500.00} has been removed. However, Docket # XXXX for {$4000.00} has not. It clearly reflects as Paid, as did the other one, and yet they continue to ignore my requests to remove it as a derogatory item.
Product: Credit card

Hello, I had a balance on my Chase XXXX credit card carried over from a prior month. During the month of XX/XX/XXXX I made {$1600.00} in cash advances. I then made a payment before the end of the billing cycle for {$6000.00}. Chase did not apply any of the {$6000.00} toward the cash advance. They applied it to the balance that was on the account at the start of the billing cycle. They claim that the cash advance would have to carry over to next months statement before the additional payment would be applied. So if I had waited XXXX more days to make the payment, they would have applied the payment to the higher apr balance. This is not the way I thought the law was written to protect consumers. I read it that it is applied to the highest apr balance first ( nothing mentioned about billing cycled ended ).
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. 

XXXXXXXX XXXX XXXX XXXX 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 an 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

Northstar Location Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX XXXX 

I do not Owe XXXX XXXX XXXXXXXX nor Northstar Location Services , LLC the alleged debt amount of : {$1000.00} Please see attached pdf document ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX XXXX DEPT XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX 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. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX {$820.00}, XXXX XXXX XXXX # XXXX {$14000.00}, XXXX XXXX XXXX # XXXX {$0.00} As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX  XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX XXXX # XXXX {$220.00} I've disputed these accounts multiple times with Transunion, XXXX and XXXX over the past year and they are still appearing on my credit reports.